CN109615505A - The shared credit management system of individual and its management method - Google Patents
The shared credit management system of individual and its management method Download PDFInfo
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- CN109615505A CN109615505A CN201811360589.0A CN201811360589A CN109615505A CN 109615505 A CN109615505 A CN 109615505A CN 201811360589 A CN201811360589 A CN 201811360589A CN 109615505 A CN109615505 A CN 109615505A
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- 238000007726 management method Methods 0.000 title claims abstract description 45
- 238000012954 risk control Methods 0.000 claims description 3
- 238000011156 evaluation Methods 0.000 claims description 2
- 238000000034 method Methods 0.000 claims description 2
- 238000012360 testing method Methods 0.000 claims description 2
- 238000012423 maintenance Methods 0.000 abstract description 4
- 238000010586 diagram Methods 0.000 description 4
- 238000010276 construction Methods 0.000 description 1
- 230000007547 defect Effects 0.000 description 1
- 230000000694 effects Effects 0.000 description 1
- 238000012986 modification Methods 0.000 description 1
- 230000004048 modification Effects 0.000 description 1
- 230000008092 positive effect Effects 0.000 description 1
- 238000012797 qualification Methods 0.000 description 1
Classifications
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/03—Credit; Loans; Processing thereof
Abstract
The invention discloses a kind of shared credit management system of individual and its management methods comprising the shared unit of credit of sequentially connected invitations individual issues shared credit request unit, several are invited to individual unit of credit, invite the shared credit full amount unit of individual, invites the shared credit of individual to dominate unit, invites the shared credit decision unit of individual, normal use unit of credit and the shared credit of individual is invited to go bankrupt unit to being invited to individual.The present invention realizes shared credit, credit is allowed to break personal boundary, it realizes relatives' circle, circle of friends and manages the credit enclosed and share, common enjoyment credit bring is convenient and economical, also shared credit bring risk and consequence, minimize social credibility risk, common maintenance cultivates good credit record in accordance with social credit system.
Description
Technical field
The present invention relates to a kind of management system and its management method more particularly to a kind of shared credit management system of individual and
Its management method.
Background technique
Personal credit is the basis of entire society's credit.Main market players is made of individual, all in marketing
Economic activity, it is closely bound up with personal credit.Once the constraint of personal behavior mistake will occur personal discreditable behavior, and then go out
Existing collective breaks one's promise.Therefore, individual credit system construction is extremely important.
Summary of the invention
The technical problem to be solved by the present invention is in order to overcome the defects of the prior art, now provide a kind of shared letter of individual
With management system and its management method, realize shared credit, credit allowed to break personal boundary, realize relatives' circle, circle of friends and
The credit for managing circle is shared.Common credit bring of enjoying is convenient and economical, also shared credit bring risk and consequence,
Minimize social credibility risk, common maintenance cultivates good credit record in accordance with social credit system.
The present invention is to solve above-mentioned technical problem by following technical proposals:
A kind of shared credit management system of individual of the present invention, it is characterized in that, the shared credit management system packet of individual
The shared unit of credit of sequentially connected invitation individual is included, shared credit request unit is issued, several is invited to being invited to individual
Individual unit of credit invites the shared credit full amount unit of individual, the shared credit of individual is invited to dominate unit, invite individual shared
Credit decision unit, normal use unit of credit invite the shared credit bankruptcy unit of individual and bankruptcy to compensate unit, the invitation
The shared unit of credit of individual normally individual list and stores individual credit total information for storing individual credit, described to being invited
After individual please issuing the instruction that shared credit request unit is used to receive the individual shared unit of credit of the invitation, several institutes are invited
It states and is invited to individual unit of credit for being invited to the shared credit management system of individual application addition individual and storing described invited
Please individual unit of credit information, it is several it is described to be invited to individual unit of credit include shared amount setting unit, it is described shared
Amount setting unit is used to be invited to individual setting and is invited to the shared amount of individual credit, and the shared credit of invitation individual is total
Amount unit, which is used to count the amount information of several shared amount setting units and calculate, obtains shared credit total value
Degree, the shared credit of invitations individual dominate unit and are used to described be invited to individual credit to several and share amount and described share
Credit full amount, which calculate obtaining, invites the shared credit of individual that can dominate amount, the shared credit decision unit of invitation individual
For the ability to pay for inviting the shared unit of credit of individual and the shared credit of invitation individual can be dominated amount and be carried out
Determine obtain invite individual use credit decision as a result, if invitations individual share unit of credit can normally pay,
The invitation individual is sent to the normal use unit of credit using invitation individual information corresponding to credit decision result,
Conversely, then sending shared credit to the shared credit bankruptcy unit of the individual compensates instruction, the bankruptcy compensates unit and is used for root
Compensate that instruction starting is several to be invited to individual unit of credit and compensated according to the shared credit.
Preferably, it includes that several individuals that are invited to are compensated unit, assessment compensation unit of credit, invited that unit is compensated in the bankruptcy
Please the shared credit normal cell of individual, invite the shared credit bankruptcy unit of individual, be invited to the shared credit bankruptcy unit of individual and
Shared credit bankruptcy unit is recorded, the individual that is invited to compensates unit for starting shared credit bankruptcy individual to the invitation
Unit is compensated, and the assessment compensates unit of credit and shares credit line, according to the default compensation for setting default compensate
It pays shared credit value to assess several compensation amounts for being invited to individual compensation unit, if the compensation amount is not low
Credit line is shared in default compensate, then the information for inviting individual is being sent to the shared credit of invitation individual just
Constant element, it is on the contrary then be sent to and be sent respectively to described be invited to the shared credit bankruptcy unit of individual and invitations individual is total
Enjoy credit bankruptcy unit, it is described to record shared credit bankruptcy unit and be invited to the shared credit bankruptcy of individual described in record for storing
The information of unit and the information for inviting the shared credit bankruptcy unit of individual.
Preferably, the risk control unit is also used to being allowed to participate in the shared shared volume for being invited to individual of credit
Degree is checked and approved, and hierarchically sets shared amount.
Preferably, the shared credit normal cell of invitation individual is connect with the shared unit of credit of invitation individual, from
And the credit individual being resumed has the right to enter personal shared credit system, and it is shared to carry out individual credit.
Preferably, described to be invited to individual unit of credit and have the right to refuse the shared letter for inviting the shared unit of credit of individual
With invitation.
A kind of shared credit management method of individual, it is characterized in that, the shared credit management method of individual comprising steps of
Step S1, the shared unit of credit of invitation individual is by described to being invited to individual and issue share credit request list
Member described is invited to individual unit of credit and sends shared credit to invite described in instruction to several；
Step S2, it is several it is described be invited to individual unit of credit by the shared amount setting unit set it is several described in
It is invited to individual credit and shares amount；
Step S3 calculates the shared credit full amount for inviting the shared unit of credit of individual；
Step S4 described is invited to that individual credit shares amount and the shared credit full amount is calculated and obtained by several
The shared credit of invitation individual dominates amount；
Step S5 passes through the ability to pay for inviting the shared unit of credit of individual and the shared credit branch of invitation individual
It pays amount to determine the individual credit of the invitation, obtains the normal use unit of credit and the shared letter of invitation individual
With bankruptcy unit；
Step S6, the shared credit bankruptcy unit of invitation individual, which is sent, compensates instruction, starts several described be invited to
Body unit of credit is compensated.
Preferably, further include step S304 after the step S3:
Set risk preset value；
Risk meter is carried out to the information for being invited to individual unit of credit and the shared amount of individual credit that is invited to
It calculates and risk integrative is evaluated and tested, the risk indicator of individual unit of credit is invited to described in acquisition, if the risk indicator is lower than described
Risk preset value, then allow described in be invited to individual unit of credit to participate in the credit for inviting individual shared, it is on the contrary then do not permit
Perhaps.
Preferably, the shared credit management method of the individual further comprises the steps of:
S61. it described is invited to individual unit of credit and sends compensate instruction to several；
S62. several described to be invited to individual credit shared cell and distributed according to compensations instruction compensated；
S63. credit line is shared according to default compensate, to several compensation volumes for being invited to individual and compensating unit
Degree is assessed, if the compensation amount shares credit line not less than default compensate, by the letter for inviting individual
On the contrary breath is sent to the shared credit normal cell of invitations individual, then be sent to the shared credit of individual that is invited to and go bankrupt list
The first and described shared credit bankruptcy unit of invitation individual；
S64. the information and the shared letter of invitation individual of the shared credit bankruptcy unit of individual are invited to described in storage record
With the information of bankruptcy unit.
Preferably, the step S63 further include:
It is described that the shared credit normal cell of individual is invited to obtain into the system for inviting the shared unit of credit of individual.
The positive effect of the present invention is that:
The present invention realizes shared credit, and credit is allowed to break personal boundary, realizes relatives' circle, circle of friends and the letter for managing circle
With shared.Common credit bring of enjoying is convenient and economical, and also shared credit bring risk and consequence, make social credibility
Risk minimizes, and common maintenance cultivates good credit record in accordance with social credit system；The present invention improves credit system
With exploitation credit system function, allow credit it is more efficient, it is more convenient and more safely service human society management.
Detailed description of the invention
Fig. 1 is the structural schematic diagram for the preferred embodiment that individual of the invention shares credit management system.
Fig. 2 is the structural schematic diagram of the preferred embodiment of risk system control unit of the invention.
Fig. 3 is the structural schematic diagram for the preferred embodiment that individual of the invention shares credit management method.
Fig. 4 is the structural schematic diagram that starting of the invention is invited to that individual compensates the preferred embodiment of step.
Specific embodiment
The present invention is further illustrated below by the mode of embodiment, but does not therefore limit the present invention to the reality
It applies among a range.
Referring to Figure 1~4, the shared credit management system of a kind of individual of the present invention, including sequentially connected includes successively connecting
The invitation individual that connects shares unit of credit 1, issues shared credit request unit 12, several is invited to individual letter to being invited to individual
With unit, risk system control unit 3, the shared credit full amount unit 4 of individual, the shared credit of invitation individual is invited to dominate unit
5, it invites individual to share credit decision unit 15, normal use unit of credit 6, invite the shared credit bankruptcy unit 7 of individual and break
It produces and compensates unit, it is several to be invited to individual unit of credit as shown in Figure 1 and include first and be invited to individual unit of credit 2A, the second quilt
Individual unit of credit 2B, third is invited to be invited to individual unit of credit 2C ... and N and be invited to individual unit of credit 2D, it is described
Invite individual shared unit of credit 1 for storing individual credit normally individual list and the individual credit total information of storage, it is described
To after being invited to the shared credit request unit 12 of individual sending for receiving the instruction for inviting individual to share unit of credit 1,
It invites and several described be invited to individual unit of credit the shared credit management system of individual is added for being invited to individual application and deposits
The information of individual unit of credit is invited to described in storage.It includes that shared amount setting is single that individual unit of credit is invited to described in several
Member, as shown in Figure 1, first be invited to individual unit of credit 2A, second be invited to individual unit of credit 2B, third is invited to individual
Unit of credit 2C ... and N are invited to individual unit of credit 2D and respectively include the first shared amount setting unit 2A1, second total
It enjoys the shared amount setting unit 2C1 ... and N of amount setting unit 2B1, third and shares amount setting unit 2D1, it is described total
It enjoys amount setting unit and is invited to the shared amount of individual credit, the shared credit of invitation individual for being invited to individual setting
Full amount unit 4 is for counting the amount information of several shared amount setting units and carrying out the shared credit of calculating acquisition total
Amount, the shared credit of invitation individual dominate unit and are used to described be invited to individual credit to several and share amount and described total
It enjoys credit full amount and calculate obtaining and invite the shared credit of individual that can dominate amount, the invitations individual shares credit decision list
Member 15 is for that can dominate amount to the ability to pay for inviting the shared unit of credit 1 of individual and the shared credit of invitation individual
It carries out determining to obtain inviting individual using credit decision as a result, if the shared unit of credit 1 of invitation individual can be propped up normally
It pays, then the invitation individual is sent to the normal use credit using invitation individual information corresponding to credit decision result
Unit, conversely, then sending shared credit to the shared credit bankruptcy unit of the individual compensates instruction, the bankruptcy is compensated unit and is used
In being compensated according to the shared credit, instruction starting is several to be invited to individual unit of credit and is compensated.
Preferably, the shared credit management system of the individual includes risk system control unit 3, the risk system control
Unit 3 for setting risk preset value, to the information for being invited to individual unit of credit and described to be invited to individual credit total
It enjoys amount and carries out Risk Calculation and risk integrative evaluation and test, the risk indicator of individual unit of credit is invited to described in acquisition, if described
Risk indicator is lower than the risk preset value, then is invited to individual unit of credit described in permission and participates in the credit for inviting individual
It is shared, it is on the contrary then do not allow.The risk system control unit 3 includes inquiry air control system control unit 3A, is invited to individual
The unit and risk amount control unit 3E that unit of credit is shunted, inquiry air control system control unit 3A can be bad by credit
The individual unit of credit that is invited to be sent to the black name name single unit 3B1 that breaks one's promise, be then forwarded to terminate credit share qualification unit
3B2；It is good for credit to be invited to individual unit of credit and send according to whether there is credit record before, if there is credit before
Record is successively sent to credit record unit 3C1 before and assessment credit line unit 3C2, if there is credit record before, according to
It is secondary to be sent to without credit record unit 3D1 and basic credit line unit 3D2 before；Risk amount control unit 3E is finally to commenting
Estimate credit line unit 3C2 and basic credit line unit 3D2 and carries out assessment and credit assignment.
Preferably, the risk control unit 3 be also used to be allowed to participate in credit it is shared be invited to the shared of individual
Amount is checked and approved, and hierarchically sets shared amount.
Preferably, it includes that several individuals that are invited to compensate unit 13, assessment compensation unit of credit that unit is compensated in the bankruptcy
14, it invites the shared credit normal cell 9 of individual, invite that the shared credit bankruptcy unit 11 of individual, to be invited to the shared credit of individual broken
It produces unit 10 and records shared credit and go bankrupt unit, it is described to be invited to individual and compensate unit 13 several to be invited to individual for starting
Credit compensates unit to inviting the shared credit bankruptcy unit 7 of individual to compensate, and is invited to individual credit and compensates unit include the
One, which is invited to individual credit, compensates unit 8A, second is invited to that individual credit compensates unit 8B, third is invited to individual credit and pays for
It pays unit 8C ... and N and is invited to individual credit compensation unit 8D, it is default for setting that unit of credit 14 is compensated in the assessment
It compensates shared credit line, credit value is shared to several compensations for being invited to individual and compensating unit 13 according to default compensate
It pays amount to be assessed, if the compensation amount shares credit line not less than default compensate, by the invitation individual
Information be sent to the shared credit normal cell 9 of invitation individual, it is on the contrary then be sent to and be invited to described in being sent respectively to
Individual shared credit bankruptcy unit 10 and invitation individual share credit bankruptcy unit 11, described to record shared credit bankruptcy list
Member 16 is broken for storing the information for being invited to individual shared credit bankruptcy unit described in record and the shared credit of invitation individual
Produce the information of unit.
Preferably, the shared credit normal cell 9 of invitation individual is connect with the shared unit of credit 1 of invitation individual,
Credit individual to be resumed has the right to enter personal shared credit system, and it is shared to carry out individual credit.
Preferably, described to be invited to individual unit of credit and have the right to refuse described to invite the shared of the shared unit of credit 1 of individual
Credit is invited.
A kind of shared credit management method of individual, it is characterized in that, the shared credit management method of individual comprising steps of
Step S1, the shared unit of credit 1 of invitation individual is by described to being invited to individual and issue share credit request
Unit 12 described is invited to individual unit of credit and sends shared credit to invite described in instruction to several；
Step S2, it is several it is described be invited to individual unit of credit by the shared amount setting unit set it is several described in
It is invited to individual credit and shares amount；
Step S3 calculates the shared credit full amount for inviting the shared unit of credit 1 of individual；
Step S4 described is invited to that individual credit shares amount and the shared credit full amount is calculated and obtained by several
The shared credit of invitation individual dominates amount；
Step S5 passes through the ability to pay for inviting the shared unit of credit 1 of individual and the shared credit of invitation individual
Payment amount determines the individual credit of the invitation, obtains the normal use unit of credit and invitation individual is shared
Credit bankruptcy unit；
Step S6, the shared credit bankruptcy unit of invitation individual, which is sent, compensates instruction, starts several described be invited to
Body unit of credit is compensated.
Preferably, further include step S304 after the step S3:
Set risk preset value；
Risk meter is carried out to the information for being invited to individual unit of credit and the shared amount of individual credit that is invited to
It calculates and risk integrative is evaluated and tested, the risk indicator of individual unit of credit is invited to described in acquisition, if the risk indicator is lower than described
Risk preset value, then allow described in be invited to individual unit of credit to participate in the credit for inviting individual shared, it is on the contrary then do not permit
Perhaps.
Preferably, the shared credit management method of the individual further comprises the steps of:
S61. it described is invited to individual unit of credit and sends compensate instruction to several；
S62. several described to be invited to individual credit shared cell and distributed according to compensations instruction compensated；
S63. credit line is shared according to default compensate, to several compensations for being invited to individual and compensating unit 13
Amount is assessed, if the compensation amount shares credit line not less than default compensate, by the invitation individual
On the contrary information is sent to the shared credit normal cell 9 of invitation individual, then be sent to the shared credit of individual that is invited to and break
Produce unit and the shared credit bankruptcy unit of invitation individual；
S64. the information and the shared letter of invitation individual of the shared credit bankruptcy unit of individual are invited to described in storage record
With the information of bankruptcy unit.
10, the shared credit management system of individual according to claim 7, which is characterized in that the step S63 is also wrapped
It includes:
It is described that the shared credit normal cell 9 of individual is invited to obtain into the system for inviting the shared unit of credit 1 of individual.
Preferably, the shared credit management method of the individual further comprises the steps of:
The individual unit of credit refusal of having the right that is invited to invites shared credit.
The present invention cannot fulfil shared behavior of credit when personal economic crisis or other reasons occurs in individual cell, and triggering is invited
It please shared 1 credit of the unit of credit bankruptcy of individual.It is had a responsibility for and obligation to being invited to individual and issue shared credit request unit 12
Shared amount or numerical value are given to invite the shared unit of credit 1 of individual to undertake oneself setting.Otherwise the shared credit of individual is invited
It unit 1 and is invited to individual unit of credit and triggers shared credit simultaneously to go bankrupt.
The present invention is when all by after being invited to individual and issue shared credit request unit 12 and complete it and undertake the responsibility, inviting
The shared unit of credit 1 of individual restores normal financial status.And it is invited to after individual unit of credit is undertaken the responsibility also restore normal letter
Use state.
The present invention when invite the shared unit of credit 1 of individual and be invited to individual unit of credit enter credit bankruptcy when, system
It will will record and typing is broken one's promise shared cell list.Until both sides can apply deleting shared letter after completing corresponding obligation and responsibility
It is recorded with bankruptcy.
The present invention realizes shared credit, and credit is allowed to break personal boundary, realizes relatives' circle, circle of friends and the letter for managing circle
With shared.Common credit bring of enjoying is convenient and economical, and also shared credit bring risk and consequence, make social credibility
Risk minimizes, and common maintenance cultivates good credit record in accordance with social credit system；The present invention improves credit system
With exploitation credit system function, allow credit it is more efficient, it is more convenient and more safely service human society management.
The present invention has been described in detail with reference to the accompanying drawings, those skilled in the art can be according to upper
It states and bright many variations example is made to the present invention.All within the spirits and principles of the present invention, it is made it is any modification, equally replace
It changes, improve, should all be included in the protection scope of the present invention.Thus, certain details in embodiment should not be constituted to this
The restriction of invention, the present invention will be using the ranges that the appended claims define as protection scope of the present invention.
Claims (10)
1. a kind of shared credit management system of individual, which is characterized in that the shared credit management system of individual includes successively connecting
The invitation individual that connects shares unit of credit, issues shared credit request unit, several is invited to individual credit to being invited to individual
Unit invites the shared credit full amount unit of individual, the shared credit of individual is invited to dominate unit, invite the shared credit decision of individual
Unit, normal use unit of credit invite the shared credit bankruptcy unit of individual and bankruptcy to compensate unit, and the invitation individual is shared
Unit of credit normally individual list and stores individual credit total information for storing individual credit, described to being invited to individual hair
It is shared after credit request unit is used to receive the instruction for inviting the shared unit of credit of individual out, invites several described be invited to
Individual unit of credit is invited to individual letter described in the shared credit management system of individual application addition individual and storage for being invited to
With the information of unit, it is several it is described to be invited to individual unit of credit include shared amount setting unit, the shared amount setting
Unit is used to be invited to individual setting and is invited to the shared amount of individual credit, the shared credit full amount unit of invitation individual
Shared credit full amount is obtained for counting the amount information of several shared amount setting units and calculate, it is described to invite
Please the shared credit of individual dominate unit and be used to described be invited to individual credit to several and share amount and the shared credit total value
Degree, which calculate obtaining, invites the shared credit of individual that can dominate amount, and the shared credit decision unit of invitation individual is used for institute
Amount can be dominated and carry out judgement acquisition by stating the ability to pay for inviting the shared unit of credit of individual and the shared credit of invitation individual
Individual is invited to use credit decision as a result, inviting if the shared unit of credit of invitation individual can normally be paid by described
Individual it please be sent to the normal use unit of credit using invitation individual information corresponding to credit decision result, conversely, then
Shared credit is sent to the shared credit bankruptcy unit of the individual and compensates instruction, and the bankruptcy is compensated unit and is used for according to described total
It enjoys credit and compensates that instruction starting is several to be invited to individual unit of credit and compensated.
2. the shared credit management system of individual according to claim 1, which is characterized in that the shared credit management of individual
System includes risk system control unit, and the risk system control unit is for setting risk preset value, being invited to described
The information of individual unit of credit and the shared amount of individual credit that is invited to carry out Risk Calculation and risk integrative evaluation and test, obtain
The risk indicator for being invited to individual unit of credit, if the risk indicator be lower than the risk preset value, allow described in
Being invited to individual unit of credit, to participate in the credit for inviting individual shared, on the contrary then do not allow.
3. the shared credit management system of individual according to claim 2, which is characterized in that the risk control unit is also used
In to being allowed to participate in the shared shared amount for being invited to individual of credit to check and approve, and hierarchically set shared amount.
4. the shared credit management system of individual according to claim 1, which is characterized in that the bankruptcy compensates unit and includes
Several individuals that are invited to compensate unit, assessment compensation unit of credit, the shared credit normal cell of invitation individual, invite individual share
Credit bankruptcy unit is invited to the shared credit bankruptcy unit of individual and records shared credit bankruptcy unit, described to be invited to individual
It compensates unit to compensate the shared credit bankruptcy unit of the invitation individual for starting, the assessment is compensated unit of credit and used
It shared credit line is compensated, default compensate shared credit value according to described and described is invited to individual compensation to several in setting is default
The compensation amount of unit is assessed, will be described if the compensation amount shares credit line not less than default compensate
The information of individual is invited to be sent to the shared credit normal cell of invitations individual, it is on the contrary then be sent to and described in being sent respectively to
It is invited to the shared credit bankruptcy unit of individual and the shared credit bankruptcy unit of invitation individual, it is described to record shared credit bankruptcy
Unit is used to store the information that the shared credit bankruptcy unit of individual is invited to described in record and the shared credit of invitation individual is broken
Produce the information of unit.
5. the shared credit management system of individual according to claim 4, which is characterized in that the shared credit of invitation individual
Normal cell is connect with the shared unit of credit of invitation individual, so that the credit individual being resumed has the right to enter personal shared letter
With system, it is shared to carry out individual credit.
6. the shared credit management system of individual according to claim 1, which is characterized in that described to be invited to individual credit list
Member has the right to refuse the shared credit invitation for inviting the shared unit of credit of individual.
7. a kind of shared credit management method of individual, which is characterized in that the shared credit management method of individual comprising steps of
Step S1, the shared unit of credit of invitation individual by described to being invited to individual and issue share credit request unit,
It described is invited to individual unit of credit and sends shared credit to invite described in instruction to several；
Step S2, it is several described to be invited to individual unit of credit and described invited by the way that the shared amount setting unit setting is several
It please the individual shared amount of credit；
Step S3 calculates the shared credit full amount for inviting the shared unit of credit of individual；
Step S4 described be invited to individual credit and share amount and described in the shared credit full amount calculates and obtain by several
The shared credit of individual is invited to dominate amount；
Step S5 passes through the ability to pay for inviting the shared unit of credit of individual and the shared credit payment volume of invitation individual
Degree determines the individual credit of the invitation, obtains the normal use unit of credit and the shared credit of invitation individual is broken
Produce unit；
Step S6, the shared credit bankruptcy unit of invitation individual, which is sent, compensates instruction, starts and several described is invited to individual letter
It is compensated with unit.
8. the shared credit management method of individual according to claim 7, which is characterized in that further include after the step S3
Step S304:
Set risk preset value；
To the information for being invited to individual unit of credit and it is described be invited to individual credit share amount carry out Risk Calculation and
Risk integrative is evaluated and tested, and the risk indicator of individual unit of credit is invited to described in acquisition, if the risk indicator is lower than the risk
Preset value, then allow described in be invited to individual unit of credit to participate in the credit for inviting individual shared, it is on the contrary then do not allow.
9. the shared credit management system of individual according to claim 7, which is characterized in that the shared credit management of individual
Method further comprises the steps of:
S61. it described is invited to individual unit of credit and sends compensate instruction to several；
S62. several described to be invited to individual credit shared cell and distributed according to compensations instruction compensated；
S63. according to it is described it is default compensate shared credit line, to it is several it is described be invited to individual compensate the compensation amounts of unit into
Row assessment sends out the information for inviting individual if the compensation amount shares credit line not less than default compensate
Give invitation individual shared credit normal cell, on the contrary it is then be sent to it is described be invited to the shared credit bankruptcy unit of individual with
The shared credit bankruptcy unit of invitation individual；
S64. information and the shared credit of invitation individual that the shared credit bankruptcy unit of individual is invited to described in storage record are broken
Produce the information of unit.
10. the shared credit management system of individual according to claim 7, which is characterized in that the step S63 further include:
It is described that the shared credit normal cell of individual is invited to obtain into the system for inviting the shared unit of credit of individual.
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| Application Number | Priority Date | Filing Date | Title |
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| CN201811360589.0A CN109615505A (en) | 2018-11-15 | 2018-11-15 | The shared credit management system of individual and its management method |
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| CN201811360589.0A CN109615505A (en) | 2018-11-15 | 2018-11-15 | The shared credit management system of individual and its management method |
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Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN111626730A (en) * | 2020-06-05 | 2020-09-04 | 中国银行股份有限公司 | Credit card joint name method and device |
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