CN109584038A - Lending mode switching method, device, medium and equipment in syndicated loan - Google Patents
Lending mode switching method, device, medium and equipment in syndicated loan Download PDFInfo
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Abstract
The present invention provides the lending mode switching method in a kind of syndicated loan, comprising: obtains the application materials associated with syndicated loan business that user uploads；The application materials are sent to the corresponding joint lending side of the syndicated loan business, so that the joint lending side audits the application materials；Receive the auditing result for the application materials that the joint lending side is fed back；If the auditing result be audit do not pass through, by the corresponding lending mode of the syndicated loan business from the joint lending pattern switching of default setting be independent lending mode.This method can guarantee the user of application syndicated loan business after its application materials is passed through by side investor audit, it is made loans in the case where other investors audit unacceptable situation without resubmiting loan requests, effectively meet the demand for loan of user and reduce the repetition examination amount of lending platform, the customer resources turnover rate of lending platform can be significantly reduced.
Description
Technical Field
The invention relates to the technical field of computers, in particular to a loan mode switching method and device in joint loan, a computer-readable storage medium and computer equipment.
Background
In the financial field, the industry loan model was originally for the loan of only small loan companies as payers to clients applying for loans. However, because the amount of loan from a small loan company is limited by a certain amount, a joint loan model is introduced, which changes from one original lender to two original lenders.
However, in the joint loan mode, if one of the lenders, for example, the bank, rejects the loan application of the client after reviewing the client data, the joint loan application of the client cannot pass, the client cannot obtain the loan or needs to re-submit the loan application to a single lender, which causes repeated review work of the single lender.
Disclosure of Invention
In order to solve at least one of the above technical drawbacks, the present invention provides a loan mode switching method in a joint loan, and a corresponding apparatus, computer-readable storage medium, and computer device.
According to an aspect, an embodiment of the present invention provides a loan mode switching method in a joint loan, including the steps of:
acquiring application data which is uploaded by a user and is associated with the joint loan service;
sending the application data to a combined lender corresponding to the combined loan service so that the combined lender can check the application data;
receiving an audit result of the application data fed back by the combined lending party;
and if the verification result is that the verification is not passed, switching the loan mode corresponding to the combined loan service from a default combined loan mode to an individual loan mode.
Preferably, before the switching the lending mode corresponding to the combined loan service from the default combined lending mode to the individual lending mode, the method further includes:
and determining that the preset condition for switching the loan mode corresponding to the combined loan service from the default combined loan mode to the individual loan mode is reached.
Further, the switching the loan mode corresponding to the joint loan service from the default joint loan mode to the individual loan mode includes:
acquiring the current loan balance of the loan placement platform;
if the loan balance is less than a preset threshold value, determining that the preset condition is reached; switching the loan putting mode corresponding to the combined loan service from a default combined loan putting mode to an individual loan putting mode according to the preset conditions;
if the loan balance is greater than or equal to the preset threshold value, determining a second combined lending party corresponding to the combined loan service from preset quantity lending parties; sending the application data to the second joint lender so that the second joint lender can check the application data; receiving a second review result of the application data of the second joint lender; if the second audit result is that the audit is not passed, determining that the preset condition is reached; and switching the loan mode corresponding to the combined loan service from a default combined loan mode to an individual loan mode according to the preset conditions.
Preferably, before sending the application data to the joint lending party corresponding to the joint loan service, the method further includes:
acquiring loan transaction associated data of a preset quantity loan party;
determining lending parties with lending service related data reaching a second preset condition from the preset quantity lending parties according to the lending service related data;
and setting the lending party as a joint lending party corresponding to the joint loan service.
Further, the loan transaction association data are penalty and interest settlement rules;
the step of determining the lending party with the lending service related data reaching a second preset condition from the preset quantity lending parties according to the lending service related data comprises the following steps:
and determining lenders with the penalty and interest settlement rules matched with the preset settlement rules from the preset quantity lending parties according to the penalty and interest settlement rules.
Preferably, the loan transaction related data is a preset loan condition;
the step of determining the lending party with the lending service related data reaching a second preset condition from the preset quantity lending parties according to the lending service related data comprises the following steps:
and determining the lender with the highest matching degree of the preset lending condition and the application data of the user from the preset quantity lenders according to the preset lending condition.
Preferably, after the loan mode corresponding to the joint loan service is switched from the default joint loan mode to the individual loan mode, the method further includes:
obtaining the interest rate of the penalty in the joint loan service;
obtaining penalty interest rate increment corresponding to the mode that the loan putting mode is switched from the default combined loan putting mode to the independent loan putting mode;
adjusting the interest-penalizing rate according to the interest-penalizing rate increment to obtain the adjusted interest-penalizing rate;
and feeding back the adjusted interest rate to the user.
Further, according to another aspect, an embodiment of the present invention provides a loan mode switching apparatus in a joint loan, including:
the data acquisition module is used for acquiring application data which is uploaded by a user and is associated with the joint loan service;
the data sending module is used for sending the application data to a combined lending party corresponding to the combined loan service so that the combined lending party can check the application data;
the auditing result receiving module is used for receiving the auditing result of the application data fed back by the combined lending party;
and the loan placement mode switching module is used for switching the loan placement mode corresponding to the combined loan service from the default combined loan placement mode to the individual loan placement mode when the audit result is that combined loan placement is rejected.
According to yet another aspect, an embodiment of the present invention provides a computer-readable storage medium having a computer program stored thereon, the computer program, when executed by a processor, implementing the loan mode switching method in joint loan described above.
According to yet another aspect, embodiments of the present invention provide a computer device, the computer comprising one or more processors; a memory; one or more computer programs, wherein the one or more computer programs are stored in the memory and configured to be executed by the one or more processors, the one or more computer programs configured to: the loan mode switching method in the joint loan is performed as described above.
Compared with the prior art, the invention has the following beneficial effects:
according to the loan mode switching method and device, the computer readable storage medium and the computer equipment in the combined loan, the loan mode switching function is set, when the combined lender does not pass the audit of the user application data, the loan mode switching function is automatically triggered, the loan mode is switched from the combined loan mode to the single loan mode, and the method can ensure that a user applying for the combined loan service does not need to resubmit a loan request to obtain loan payment under the condition that the audit of other lenders does not pass after the application data of the user is approved by one lender, so that the loan requirement of the user is effectively met, the repeated audit workload of the loan platform is reduced, and the loss rate of the client resources of the loan platform can be remarkably reduced.
In addition, the loan mode switching method, the loan mode switching device, the computer-readable storage medium and the computer equipment in the combined loan, provided by the invention, also reduce the probability that the loan mode is switched from the combined loan mode to the individual loan mode by the loan platform by setting the preset condition for automatically triggering the loan mode switching function, and provide powerful support for the normal operation of the loan platform; the joint lending party corresponding to the joint loan service is determined according to the lending service associated data of the lending party, so that the selected joint lending party and the joint loan service have higher matching degree, the probability of passing examination and verification of application data of the joint loan service can be improved, the development of the joint loan service is facilitated, and the service processing efficiency of a lending platform is improved; after the loan putting mode corresponding to the combined loan service is switched from the combined loan putting mode to the independent loan putting mode, the penalty interest rate in the combined loan service is increased, the binding force on time repayment of the user can be increased, and the loan putting risk of the loan putting platform is further reduced.
Additional aspects and advantages of the invention will be set forth in part in the description which follows, and in part will be obvious from the description, or may be learned by practice of the invention.
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The foregoing and/or additional aspects and advantages of the present invention will become apparent and readily appreciated from the following description of the embodiments, taken in conjunction with the accompanying drawings of which:
fig. 1 is a flowchart of a method for switching loan mode in joint loan according to an embodiment of the invention;
fig. 2 is a schematic structural diagram of a loan mode switching apparatus in a joint loan, according to an embodiment of the invention;
fig. 3 is a schematic structural diagram of a computer device according to an embodiment of the present invention.
Detailed Description
Reference will now be made in detail to embodiments of the present invention, examples of which are illustrated in the accompanying drawings, wherein like or similar reference numerals refer to the same or similar elements or elements having the same or similar function throughout. The embodiments described below with reference to the drawings are illustrative only and should not be construed as limiting the invention.
As used herein, the singular forms "a", "an", "the" and "the" are intended to include the plural forms as well, unless the context clearly indicates otherwise. It will be further understood that the terms "comprises" and/or "comprising," when used in this specification, specify the presence of stated features, integers, steps, operations, elements, and/or components, but do not preclude the presence or addition of one or more other features, integers, steps, operations, elements, components, and/or groups thereof. As used herein, the term "and/or" includes all or any element and all combinations of one or more of the associated listed items.
It will be understood by those skilled in the art that, unless otherwise defined, all terms (including technical and scientific terms) used herein have the same meaning as commonly understood by one of ordinary skill in the art to which this invention belongs. It will be further understood that terms, such as those defined in commonly used dictionaries, should be interpreted as having a meaning that is consistent with their meaning in the context of the prior art and will not be interpreted in an idealized or overly formal sense unless expressly so defined herein.
In the financial field, the joint loan is commonly placed on the same lender by two or more lenders, which may be embodied as a lending platform, such as a small lending company with lending qualifications and at least one joint lender, such as a bank.
An embodiment of the present invention provides a loan mode switching method in a joint loan, as shown in fig. 1, the method includes:
step S101: and acquiring application data uploaded by the user and associated with the joint loan service.
For this embodiment, when a user submits a request for applying for the joint loan service to the lending platform, the application data associated with the joint loan service needs to be provided to the lending platform for the lending platform and the joint lender to review. In the joint loan mode, the lending platform generally plays a role of a business processing intermediary between a user and a joint lender, after the user provides application data to the lending platform, the lending platform preferentially checks the application data provided by the user, and forwards the application data provided by the user to a preset joint lender after the verification is passed, so that the joint lender determines whether to loan the user together with the lending platform. The application data may include personal identity information of the user as the lender, a user policy, and a loan combination, which are not limited in this embodiment.
Step S102: and sending the application data to a joint lender corresponding to the joint loan service so that the joint lender verifies the application data.
For the embodiment, after determining that the application data provided by the user and associated with the joint loan service is approved, the loan placement platform determines the joint loan placement party corresponding to the joint loan service from a plurality of joint loan placement parties agreeing to commonly loan with the loan placement platform, and automatically forwards the application data provided by the user and associated with the joint loan service to a data approval system of the joint loan placement party corresponding to the joint loan service, so that the joint loan placement party examines the application data and determines whether to loan the user together with the loan placement platform.
Step S103: and receiving the auditing result of the application data fed back by the combined lending party.
For this embodiment, after the application data is checked by the data checking system of the combined lender and the check result obtained by the check is automatically fed back to the lending platform, the lending platform receives the check result of the application data fed back by the data checking system of the combined lender. And the auditing result comprises two results of auditing pass and auditing non-pass.
Step S104: and if the verification result is that the verification is not passed, switching the loan mode corresponding to the combined loan service from a default combined loan mode to an individual loan mode.
For the embodiment, the lending platform is preset with two lending modes, namely a combined lending mode and a single lending mode. And the combined loan putting mode is a loan putting mode in which the loan putting platform and combined loan putting parties corresponding to the combined loan service together put the loan for the user according to a certain loan putting proportion. The independent loan mode is a loan mode in which the loan platform independently loan the user. And the loan placement platform sets a loan placement mode corresponding to the joint loan service which is approved by the loan placement platform as a joint loan placement mode in advance.
For this embodiment, if the verification result is that the verification is not passed, it indicates that the joint lender refuses to loan the user applying for the joint loan service together with the lending platform. After receiving an examination result that the examination is not passed fed back by the combined loan placement party, based on the examination result that the examination of the loan placement platform on the application data associated with the combined loan service of the user is passed, the loan placement platform does not directly accept back the loan request in the combined loan service of the user, automatically triggers a preset loan placement mode switching function, and switches the loan placement mode corresponding to the combined loan service from a default combined loan placement mode to an individual loan placement mode.
According to the loan mode switching method in the combined loan, the loan mode switching function is set, when the combined loan supplier does not pass the examination of the user application data, the loan mode switching function is automatically triggered, the loan mode is switched from the combined loan mode to the single loan mode, and the method can ensure that the user applying the combined loan service does not need to resubmit a loan request to obtain loan after the application data is examined and passed by one sponsor and under the condition that the examination of other sponsors does not pass, so that the loan requirement of the user is effectively met, the repeated examination workload of the loan platform is reduced, and the loss rate of the client resources of the loan platform can be remarkably reduced.
In an embodiment, before the switching the lending mode corresponding to the joint loan service from the default joint lending mode to the individual lending mode, the method further includes:
and determining that the preset condition for switching the loan mode corresponding to the combined loan service from the default combined loan mode to the individual loan mode is reached.
In a practical application scenario, in order to monitor the operation scale of the loan platform and the risk safety factor of the platform in the loan market, the loan amount of the loan platform is limited by the supervision requirement, and if the loan platform switches the loan mode from the default combined loan mode to the individual loan mode for a long time, the risk factor of the loan platform exceeds the supervision requirement.
For the embodiment, in order to avoid that the loan placement platform frequently switches the loan placement mode from the combined loan placement mode to the individual loan placement mode due to the fact that too many combined loan placement parties fail to review the combined loan services, and further causes the risk coefficient of the platform to rise, the loan placement platform is preset with a preset condition for automatically triggering the loan placement mode switching function, and only when the loan placement platform determines that the preset condition is met, the loan placement mode corresponding to the combined loan services is switched from the default combined loan placement mode to the individual loan placement mode.
In this embodiment, by setting the preset condition for automatically triggering the loan mode switching function, the probability that the loan mode is switched from the combined loan mode to the individual loan mode by the loan platform is reduced, and a strong support is provided for the normal operation of the loan platform.
In one embodiment, the switching the loan mode corresponding to the joint loan service from the default joint loan mode to the individual loan mode includes:
acquiring the current loan balance of the loan placement platform;
if the loan balance is less than a preset threshold value, determining that the preset condition is reached; switching the loan putting mode corresponding to the combined loan service from a default combined loan putting mode to an individual loan putting mode according to the preset conditions;
if the loan balance is greater than or equal to the preset threshold value, determining a second combined lending party corresponding to the combined loan service from preset quantity lending parties; sending the application data to the second joint lender so that the second joint lender can check the application data; receiving a second review result of the application data of the second joint lender; if the second audit result is that the audit is not passed, determining that the preset condition is reached; and switching the loan mode corresponding to the combined loan service from a default combined loan mode to an individual loan mode according to the preset conditions.
In a practical application scenario, in order to monitor the operation scale of the loan platform and the risk safety factor of the platform in the loan market, the loan amount of the loan platform is limited by the regulatory requirement, specifically, the loan balance of the loan platform required by the regulatory requirement cannot exceed ten times of the registered fund of the loan platform, and the loan balance is the loan amount which is currently lent but not yet withdrawn by the loan platform. For example, if the registered funds of the lending platform for hewlett packard are 20 billion dollars, the regulations require that the loan balance cannot exceed 200 billion dollars.
For this embodiment, the loan balance of the lending platform is a dynamic value, which is influenced by the total amount of lending currently lent by the lending platform and the amount of repayment of the returned user. The loan platform is preset with different mode switching processing modes corresponding to loan balances in different numerical ranges, and specifically, the loan platform is preset with a preset threshold value related to the loan balance, the loan balance is divided into two numerical ranges by the preset threshold value, and then the mode switching processing mode corresponding to the loan balance is determined.
For example, if the registered fund of the lending platform for the hewlett packard is 20 billion dollars, the supervision requires that the loan balance cannot exceed 200 billion dollars, and the lending platform can preset the preset threshold value to sixty percent of the loan balance, i.e., 120 billion dollars. Those skilled in the art may determine or adjust the specific value of the preset threshold within a reasonable range below the upper limit value of the loan balance according to actual application requirements, which is not limited in the embodiment of the present invention.
For this embodiment, after receiving an audit result that the audit fails to pass, which is fed back by the joint lender, the lending platform obtains the current loan balance of the lending platform, and automatically executes a preset operation according to the loan balance and a mode switching processing mode corresponding to the loan balance.
One mode switching processing method is as follows: and if the current loan balance of the loan placement platform is less than a preset threshold value, directly switching the loan placement mode corresponding to the combined loan service from a default combined loan placement mode to an individual loan placement mode. Specifically, the loan placement platform determines that a preset condition for switching the loan placement mode corresponding to the combined loan service from the default combined loan placement mode to the individual loan placement mode is that the current loan balance of the loan placement platform is smaller than a preset threshold, and therefore, when the loan balance is smaller than the preset threshold, the loan placement platform determines that the preset condition is reached, and switches the loan placement mode corresponding to the combined loan service from the default combined loan placement mode to the individual loan placement mode according to the preset condition. According to the method, when the loan balance of the loan placement platform is within a controllable value range, the preset loan placement mode switching function can be automatically triggered, the business processing workload of the loan placement platform can be reduced, and the business processing efficiency of the loan placement platform can be improved.
Another mode switching processing mode is as follows: and if the current loan balance of the loan placement platform is greater than or equal to a preset threshold value, seeking other combined loan placement parties, and if the other combined loan placement parties also feed back an audit result that the audit is not passed, switching the loan placement mode corresponding to the combined loan service from a default combined loan placement mode to an individual loan placement mode. In the mode switching processing mode, the loan placement platform determines that the preset condition that the loan placement mode corresponding to the combined loan service is switched from the default combined loan placement mode to the single loan placement mode is that the application data of the user is not checked again. Specifically, if the loan balance is greater than or equal to the preset threshold, determining a second joint lending party corresponding to the joint loan service from preset quantity lending parties, wherein the preset quantity lending parties are one or more other joint lending parties selected in advance by a lending platform and agreeing to loan placement by the lending platform together, and the second joint lending party is selected from the preset quantity lending parties; after the second joint lender is selected, the lending platform sends the application data to the second joint lender so that the second joint lender reviews the application data and determines whether to loan the user together with the lending platform; the lending platform receives a second review result of the application data fed back by the second joint lending party; and if the second examination result is that the examination is not passed, determining that the preset condition is reached, and switching the loan mode corresponding to the combined loan service from a default combined loan mode to an independent loan mode by the loan placement platform according to the preset condition. By the method, when the loan balance of the loan placement platform exceeds a controllable value range, other joint loan placement parties are sought to avoid directly triggering a preset loan placement mode switching function, and further the risk coefficient of the platform can be avoided from being too high.
In an embodiment, before sending the application data to the joint lender corresponding to the joint loan service, the method further includes:
acquiring loan transaction associated data of a preset quantity loan party;
determining lending parties with lending service related data reaching a second preset condition from the preset quantity lending parties according to the lending service related data;
and setting the lending party as a joint lending party corresponding to the joint loan service.
For this embodiment, the preset quantity lending parties are one or more lending parties that agree to be lended together with the lending platform, such as a bohai bank, a Chongqing bank, a Guangdong bank, and the like, and are selected by the lending platform in advance. The loan transaction related data is data related to the transaction preset by the lender for processing the loan transaction, such as settlement rules, loan request, and application data auditing process.
For this embodiment, the joint lending party corresponding to the joint loan service is selected from the preset quantity lending parties, specifically, the lending platform presets the joint lending party as the lending party whose lending service associated data in the preset quantity lending party reaches a second preset condition, where the second preset condition is used to measure whether the lending service associated data of the lending party matches with the current joint loan service, so that the selected joint lending is convenient for the development of the current joint loan service, and after obtaining the lending service associated data of the preset quantity lending party, the lending platform judges one by one whether the lending service associated data of each lending party in the preset quantity lending party reaches the preset second condition, and determines the joint lending party whose matching degree with the joint loan service is higher.
In this embodiment, the joint lender corresponding to the joint loan service is determined according to the lending service related data of the lender, so that the selected joint lender has a higher matching degree with the joint loan service, the probability of passing the examination and verification of the application data of the joint loan service can be improved, the development of the joint loan service is facilitated, and the service processing efficiency of the lending platform is improved.
In one embodiment, the loan transaction association data is a penalty and interest settlement rule;
the step of determining the lending party with the lending service related data reaching a second preset condition from the preset quantity lending parties according to the lending service related data comprises the following steps:
and determining lenders with the penalty and interest settlement rules matched with the preset settlement rules from the preset quantity lending parties according to the penalty and interest settlement rules.
In a combined loan mode in an actual application scenario, lenders selected in advance by a user, a lending platform and the lending platform to agree with the lending of the lending platform can respectively set settlement rules of penalty and interest, under a general condition, the settlement rules on the user level are the same as the settlement rules on the lending platform level, for example, the penalty and the interest are calculated according to actual days, the penalty and the interest settlement rules on the lending party level are different for different lenders to calculate the penalty and the interest according to different settlement rules, for example, some banks calculate the penalty and the interest according to actual days on the head and tail, and the penalty and the interest are calculated according to 30 days on the middle days. If the user applying the combined loan service, the loan platform and the settlement rules of interest and selected as the loan parties of the combined loan parties corresponding to the combined loan service are the same, after the subsequent user calculates the repayment amount according to the settlement rules, the loan platform and the combined loan parties only need to collect the repayment amount of the user according to the loan proportion, and the penalty and interest settlement of the combined loan service can be conveniently and quickly realized.
For this embodiment, the loan transaction-related data is specifically penalty and interest settlement rules. The preset settlement rules are penalty and interest settlement rules corresponding to the associated loan services preset by the loan putting platform. Firstly, obtaining penalty and interest settlement rules of a preset quantity lending party and preset settlement rules of a lending platform, matching the penalty and interest settlement rules of the preset quantity lending party with the preset settlement rules one by one, selecting the lending party of which the penalty and interest settlement rules are matched with the preset settlement rules from the preset quantity lending parties, and setting the lending party as a combined lending party corresponding to the combined loan service.
In this embodiment, the joint lending party corresponding to the joint loan service is determined according to the penalty and interest settlement rules of the lending party, so that the selected joint lending party is matched with the settlement rules of the user and the lending platform, the workload required by calculation of penalty and interest in a repayment stage of the lending platform in a joint loan mode can be effectively reduced, the development of the joint loan service is facilitated, and the service processing efficiency of the lending platform is improved.
In one embodiment, the loan transaction related data is a preset loan condition;
the step of determining the lending party with the lending service related data reaching a second preset condition from the preset quantity lending parties according to the lending service related data comprises the following steps:
and determining the lender with the highest matching degree of the preset lending condition and the application data of the user from the preset quantity lenders according to the preset lending condition.
For this embodiment, the loan transaction related data is specifically a preset loan condition, and the preset loan condition includes a credit value requirement, a borrowing period limitation, an application data requirement, and the like of a user applying for the joint loan transaction. The preset lending conditions for different lenders may be the same and may be different. The method comprises the steps of firstly obtaining preset loan conditions of preset quantity lenders, matching the preset loan conditions of the preset quantity lenders with application data, corresponding to the combined loan service, provided by a user one by one, evaluating the matching degree of the preset loan conditions of each lender and the application data of the user, selecting the lender with the highest matching degree of the preset loan conditions and the application data of the user from the preset quantity lenders, and setting the lender as the combined lender corresponding to the combined loan service.
In this embodiment, the joint lender corresponding to the joint loan service is determined according to the preset lending condition of the lender, so that the selected joint lender and the joint loan service have high matching degree, the probability of passing examination and verification of application data of the joint loan service can be improved, the development of the joint loan service is facilitated, and the service processing efficiency of the lending platform is improved.
In an embodiment, after the switching the lending mode corresponding to the joint loan service from the default joint lending mode to the individual lending mode, the method further includes:
obtaining the interest rate of the penalty in the joint loan service;
obtaining penalty interest rate increment corresponding to the mode that the loan putting mode is switched from the default combined loan putting mode to the independent loan putting mode;
adjusting the interest-penalizing rate according to the interest-penalizing rate increment to obtain the adjusted interest-penalizing rate;
and feeding back the adjusted interest rate to the user.
For this embodiment, the loan placement platform sets a loan placement mode corresponding to the joint loan service that the loan placement platform passes the examination as a joint loan placement mode by default, and the penalty rate in the joint loan service is the penalty rate in the joint loan placement mode. In order to further reduce the loan risk of the loan platform in the individual loan mode, the loan platform sets the interest rate of penalty in the individual loan mode to be higher than that in the combined loan mode. Therefore, after the loan placement platform switches the loan placement mode corresponding to the combined loan service from the default combined loan placement mode to the individual loan placement mode, the interest rate of the combined loan service is adjusted from the interest rate in the combined loan mode to the interest rate in the individual loan mode, and informing the user of the adjusted penalty interest rate after switching the loan mode, specifically, obtaining the penalty interest rate in the combined loan service still corresponding to the combined loan mode, obtaining the penalty interest rate increment corresponding to the loan mode switched from the default combined loan mode to the individual loan mode, adjusting the penalty interest according to the penalty interest rate increment, adding the penalty interest rate under the combined loan-putting model and the penalty interest rate increment, calculating to obtain the penalty interest rate under the adjusted individual loan-putting mode, and feeding back the adjusted penalty interest rate to a user applying for the combined loan service.
In this embodiment, after the loan mode corresponding to the joint loan service is switched from the joint loan mode to the individual loan mode, the penalty interest rate in the joint loan service is increased, so that the binding force on time repayment of the user can be increased, and the loan risk of the loan platform is reduced.
In addition, an embodiment of the present invention provides a loan mode switching apparatus in a joint loan, as shown in fig. 2, the apparatus including: the system comprises a data acquisition module 21, a data sending module 22, an audit result receiving module 23 and a loan mode switching module 24; wherein,
the data acquisition module 21 is used for acquiring application data uploaded by a user and associated with the joint loan service;
the data sending module 22 is configured to send the application data to a joint lender corresponding to the joint loan service, so that the joint lender reviews the application data;
an audit result receiving module 23, configured to receive an audit result of the application data fed back by the joint lender;
and a loan placement mode switching module 24, configured to switch, when the audit result is that joint loan placement is rejected, a loan placement mode corresponding to the joint loan service from a default joint loan placement mode to an individual loan placement mode.
In an embodiment, before the switching the lending mode corresponding to the joint loan service from the default joint lending mode to the individual lending mode, the method further includes:
and determining that the preset condition for switching the loan mode corresponding to the combined loan service from the default combined loan mode to the individual loan mode is reached.
In one embodiment, the lending mode switching module 24 is specifically configured to:
acquiring the current loan balance of the loan placement platform;
if the loan balance is less than a preset threshold value, determining that the preset condition is reached; switching the loan putting mode corresponding to the combined loan service from a default combined loan putting mode to an individual loan putting mode according to the preset conditions;
if the loan balance is greater than or equal to the preset threshold value, determining a second combined lending party corresponding to the combined loan service from preset quantity lending parties; sending the application data to the second joint lender so that the second joint lender can check the application data; receiving a second review result of the application data of the second joint lender; if the second audit result is that the audit is not passed, determining that the preset condition is reached; and switching the loan mode corresponding to the combined loan service from a default combined loan mode to an individual loan mode according to the preset conditions.
In an embodiment, before sending the application data to the joint lender corresponding to the joint loan service, the method further includes:
acquiring loan transaction associated data of a preset quantity loan party;
determining lending parties with lending service related data reaching a second preset condition from the preset quantity lending parties according to the lending service related data;
and setting the lending party as a joint lending party corresponding to the joint loan service.
In one embodiment, the loan transaction association data is a penalty and interest settlement rule;
the step of determining the lending party with the lending service related data reaching a second preset condition from the preset quantity lending parties according to the lending service related data comprises the following steps:
and determining lenders with the penalty and interest settlement rules matched with the preset settlement rules from the preset quantity lending parties according to the penalty and interest settlement rules.
In one embodiment, the loan transaction related data is a preset loan condition;
the step of determining the lending party with the lending service related data reaching a second preset condition from the preset quantity lending parties according to the lending service related data comprises the following steps:
and determining the lender with the highest matching degree of the preset lending condition and the application data of the user from the preset quantity lenders according to the preset lending condition.
In an embodiment, after the switching the lending mode corresponding to the joint loan service from the default joint lending mode to the individual lending mode, the method further includes:
obtaining the interest rate of the penalty in the joint loan service;
obtaining penalty interest rate increment corresponding to the mode that the loan putting mode is switched from the default combined loan putting mode to the independent loan putting mode;
adjusting the interest-penalizing rate according to the interest-penalizing rate increment to obtain the adjusted interest-penalizing rate;
and feeding back the adjusted interest rate to the user.
The loan-putting mode switching device in the combined loan provided by the invention can realize the following steps: by setting the loan mode switching function, when the combined loan parlor does not pass the audit of the user application data, the loan mode switching function is automatically triggered, so that the loan mode is switched from the combined loan mode to the independent loan mode. The device can also realize that: by setting the preset conditions for automatically triggering the loan mode switching function, the probability that the loan mode is switched from the combined loan mode to the single loan mode by the loan platform is reduced, and powerful support is provided for the normal operation of the loan platform; the joint lending party corresponding to the joint loan service is determined according to the lending service associated data of the lending party, so that the selected joint lending party and the joint loan service have higher matching degree, the probability of passing examination and verification of application data of the joint loan service can be improved, the development of the joint loan service is facilitated, and the service processing efficiency of a lending platform is improved; after the loan putting mode corresponding to the combined loan service is switched from the combined loan putting mode to the independent loan putting mode, the penalty interest rate in the combined loan service is increased, the binding force on time repayment of the user can be increased, and the loan putting risk of the loan putting platform is further reduced.
The loan placement mode switching device in the joint loan provided by the embodiment of the present invention can implement the method embodiment provided above, and for specific function implementation, reference is made to the description of the method embodiment, which is not repeated herein.
Furthermore, an embodiment of the present invention provides a computer-readable storage medium, on which a computer program is stored, where the computer program, when executed by a processor, implements the loan mode switching method in joint loan described in the above embodiment. The computer-readable storage medium includes, but is not limited to, any type of disk including floppy disks, hard disks, optical disks, CD-ROMs, and magneto-optical disks, ROMs (Read-Only memories), RAMs (Random access memories), EPROMs (EraSable Programmable Read-Only memories), EEPROMs (Electrically EraSable Programmable Read-Only memories), flash memories, magnetic cards, or optical cards. That is, a storage device includes any medium that stores or transmits information in a form readable by a device (e.g., a computer, a cellular phone), and may be a read-only memory, a magnetic or optical disk, or the like.
The computer-readable storage medium provided by the invention can realize that: the loan-putting mode switching device in the combined loan provided by the invention can realize the following steps: by setting the loan mode switching function, when the combined loan parlor does not pass the audit of the user application data, the loan mode switching function is automatically triggered, so that the loan mode is switched from the combined loan mode to the independent loan mode. The device can also realize that: by setting the preset conditions for automatically triggering the loan mode switching function, the probability that the loan mode is switched from the combined loan mode to the single loan mode by the loan platform is reduced, and powerful support is provided for the normal operation of the loan platform; the joint lending party corresponding to the joint loan service is determined according to the lending service associated data of the lending party, so that the selected joint lending party and the joint loan service have higher matching degree, the probability of passing examination and verification of application data of the joint loan service can be improved, the development of the joint loan service is facilitated, and the service processing efficiency of a lending platform is improved; after the loan putting mode corresponding to the combined loan service is switched from the combined loan putting mode to the independent loan putting mode, the penalty interest rate in the combined loan service is increased, the binding force on time repayment of the user can be increased, and the loan putting risk of the loan putting platform is further reduced.
The computer-readable storage medium provided in the embodiments of the present invention can implement the method embodiments provided above, and for specific function implementation, reference is made to the description in the method embodiments, which is not repeated herein.
In addition, an embodiment of the present invention further provides a computer device, as shown in fig. 3. The computer device described in this embodiment may be a server, a personal computer, a network device, and other devices. The computer apparatus includes a processor 302, a memory 303, an input unit 304, a display unit 305, and the like. Those skilled in the art will appreciate that the device configuration means shown in fig. 3 do not constitute a limitation of all devices and may include more or less components than those shown, or some components in combination. The memory 303 may be used to store the computer program 301 and the functional modules, and the processor 302 executes the computer program 301 stored in the memory 303, thereby performing various functional applications of the device and data processing. The memory may be internal or external memory, or include both internal and external memory. The memory may comprise read-only memory (ROM), Programmable ROM (PROM), Electrically Programmable ROM (EPROM), Electrically Erasable Programmable ROM (EEPROM), flash memory, or random access memory. The external memory may include a hard disk, a floppy disk, a ZIP disk, a usb-disk, a magnetic tape, etc. The disclosed memory includes, but is not limited to, these types of memory. The disclosed memory is by way of example only and not by way of limitation.
The input unit 304 is used for receiving input of signals and receiving keywords input by a user. The input unit 304 may include a touch panel and other input devices. The touch panel can collect touch operations of a user on or near the touch panel (for example, operations of the user on or near the touch panel by using any suitable object or accessory such as a finger, a stylus and the like) and drive the corresponding connecting device according to a preset program; other input devices may include, but are not limited to, one or more of a physical keyboard, function keys (e.g., play control keys, switch keys, etc.), a trackball, a mouse, a joystick, and the like. The display unit 305 may be used to display information input by a user or information provided to a user and various menus of the computer apparatus. The display unit 305 may take the form of a liquid crystal display, an organic light emitting diode, or the like. The processor 302 is a control center of the computer device, connects various parts of the entire computer using various interfaces and lines, and performs various functions and processes data by operating or executing software programs and/or modules stored in the memory 302 and calling data stored in the memory.
As one embodiment, the computer device includes: one or more processors 302, a memory 303, one or more computer programs 301, wherein the one or more computer programs 301 are stored in the memory 303 and configured to be executed by the one or more processors 302, and the one or more computer programs 301 are configured to perform the lending mode switching method in the joint loan according to any of the above embodiments.
The computer equipment provided by the invention can realize that: the loan-putting mode switching device in the combined loan provided by the invention can realize the following steps: by setting the loan mode switching function, when the combined loan parlor does not pass the audit of the user application data, the loan mode switching function is automatically triggered, so that the loan mode is switched from the combined loan mode to the independent loan mode. The device can also realize that: by setting the preset conditions for automatically triggering the loan mode switching function, the probability that the loan mode is switched from the combined loan mode to the single loan mode by the loan platform is reduced, and powerful support is provided for the normal operation of the loan platform; the joint lending party corresponding to the joint loan service is determined according to the lending service associated data of the lending party, so that the selected joint lending party and the joint loan service have higher matching degree, the probability of passing examination and verification of application data of the joint loan service can be improved, the development of the joint loan service is facilitated, and the service processing efficiency of a lending platform is improved; after the loan putting mode corresponding to the combined loan service is switched from the combined loan putting mode to the independent loan putting mode, the penalty interest rate in the combined loan service is increased, the binding force on time repayment of the user can be increased, and the loan putting risk of the loan putting platform is further reduced.
The computer device provided in the embodiment of the present invention may implement the method embodiment provided above, and for specific function implementation, reference is made to the description in the method embodiment, which is not described herein again.
In addition, functional units in the embodiments of the present invention may be integrated into one processing module, or each unit may exist alone physically, or two or more units are integrated into one module. The integrated module can be realized in a hardware mode, and can also be realized in a software functional module mode. The integrated module, if implemented in the form of a software functional module and sold or used as a stand-alone product, may also be stored in a computer readable storage medium.
The foregoing is only a partial embodiment of the present invention, and it should be noted that, for those skilled in the art, various modifications and decorations can be made without departing from the principle of the present invention, and these modifications and decorations should also be regarded as the protection scope of the present invention.
Claims (10)
1. A loan mode switching method in a combined loan is characterized by comprising the following steps:
acquiring application data which is uploaded by a user and is associated with the joint loan service;
sending the application data to a combined lender corresponding to the combined loan service so that the combined lender can check the application data;
receiving an audit result of the application data fed back by the combined lending party;
and if the verification result is that the verification is not passed, switching the loan mode corresponding to the combined loan service from a default combined loan mode to an individual loan mode.
2. The loan mode switching method according to claim 1, wherein before switching the loan mode corresponding to the joint loan service from the default joint loan mode to the individual loan mode, the method further comprises:
and determining that the preset condition for switching the loan mode corresponding to the combined loan service from the default combined loan mode to the individual loan mode is reached.
3. The loan mode switching method according to claim 2, wherein the switching of the loan mode corresponding to the joint loan service from the default joint loan mode to the individual loan mode comprises:
acquiring the current loan balance of the loan placement platform;
if the loan balance is less than a preset threshold value, determining that the preset condition is reached; switching the loan putting mode corresponding to the combined loan service from a default combined loan putting mode to an individual loan putting mode according to the preset conditions;
if the loan balance is greater than or equal to the preset threshold value, determining a second combined lending party corresponding to the combined loan service from preset quantity lending parties; sending the application data to the second joint lender so that the second joint lender can check the application data; receiving a second review result of the application data of the second joint lender; if the second audit result is that the audit is not passed, determining that the preset condition is reached; and switching the loan mode corresponding to the combined loan service from a default combined loan mode to an individual loan mode according to the preset conditions.
4. The loan mode switching method according to claim 1, wherein before sending the application data to the joint lender corresponding to the joint loan service, the method further comprises:
acquiring loan transaction associated data of a preset quantity loan party;
determining lending parties with lending service related data reaching a second preset condition from the preset quantity lending parties according to the lending service related data;
and setting the lending party as a joint lending party corresponding to the joint loan service.
5. The loan mode switching method according to claim 4, wherein the loan transaction-related data is a penalty and interest settlement rule;
the step of determining the lending party with the lending service related data reaching a second preset condition from the preset quantity lending parties according to the lending service related data comprises the following steps:
and determining lenders with the penalty and interest settlement rules matched with the preset settlement rules from the preset quantity lending parties according to the penalty and interest settlement rules.
6. The loan mode switching method according to claim 4, wherein the loan transaction-related data is a preset loan condition;
the step of determining the lending party with the lending service related data reaching a second preset condition from the preset quantity lending parties according to the lending service related data comprises the following steps:
and determining the lender with the highest matching degree of the preset lending condition and the application data of the user from the preset quantity lenders according to the preset lending condition.
7. The loan mode switching method according to claim 1, wherein after switching the loan mode corresponding to the joint loan service from a default joint loan mode to an individual loan mode, the method further comprises:
obtaining the interest rate of the penalty in the joint loan service;
obtaining penalty interest rate increment corresponding to the mode that the loan putting mode is switched from the default combined loan putting mode to the independent loan putting mode;
adjusting the interest-penalizing rate according to the interest-penalizing rate increment to obtain the adjusted interest-penalizing rate;
and feeding back the adjusted interest rate to the user.
8. A loan mode switching apparatus in a joint loan, comprising:
the data acquisition module is used for acquiring application data which is uploaded by a user and is associated with the joint loan service;
the data sending module is used for sending the application data to a combined lending party corresponding to the combined loan service so that the combined lending party can check the application data;
the auditing result receiving module is used for receiving the auditing result of the application data fed back by the combined lending party;
and the loan placement mode switching module is used for switching the loan placement mode corresponding to the combined loan service from the default combined loan placement mode to the individual loan placement mode when the audit result is that combined loan placement is rejected.
9. A computer-readable storage medium, having stored thereon a computer program which, when executed by a processor, implements the lending mode switching method according to any one of claims 1 to 7.
10. A computer device, comprising:
one or more processors;
a memory;
one or more computer programs, wherein the one or more computer programs are stored in the memory and configured to be executed by the one or more processors, the one or more computer programs configured to: executing the lending mode switching method according to any one of claims 1 to 7.
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| CN201811204709.8A CN109584038A (en) | 2018-10-16 | 2018-10-16 | Lending mode switching method, device, medium and equipment in syndicated loan |
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Application publication date: 20190405 |