CN109658218A - It provides a loan singulated method, apparatus, equipment and readable storage medium storing program for executing - Google Patents
It provides a loan singulated method, apparatus, equipment and readable storage medium storing program for executing Download PDFInfo
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- CN109658218A CN109658218A CN201811134809.8A CN201811134809A CN109658218A CN 109658218 A CN109658218 A CN 109658218A CN 201811134809 A CN201811134809 A CN 201811134809A CN 109658218 A CN109658218 A CN 109658218A
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- 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
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Abstract
The invention discloses a kind of singulated method, apparatus of loan, equipment and readable storage medium storing program for executing, the singulated method of loan includes: to obtain the loan order with loan qualification, extracts the amount of the loan in the loan order；All loan products to be selected for meeting the loan qualification in the loan product database prestored are obtained, and obtain the loan line limit of all loan products to be selected；Judge whether the amount of the loan is greater than the arbitrary loan line limit；If the amount of the loan is greater than the arbitrary loan line limit, the amount of the loan in the loan order is then splitted into multiple loan interest volumes, the loan order is split into the corresponding multiple sub- orders of each loan interest volume, to complete the processing of the loan order, when the present invention solves loan limit of the amount of the loan in loan application greater than loan product, it provides a loan low efficiency, the technical issues of easily causing customer churn.
Description
Technical field
The present invention relates to financial technology field more particularly to a kind of singulated method, apparatus of loan, equipment and readable storage medium
Matter.
Background technique
With the quick upgrading of the fast lifting and people's consumption idea of social standard of living, more and more people pass through
Pattern of lending promotes itself living standard, this greatly improves the loan portfolio of lending agency.
Nowadays, after loan customer submits loan application, lending agency can meet selection after completing loan audit
The loan product of loan application.But be not the amount of the loan in each loan application just with the loan limit of loan product
Unanimously, often there is the phenomenon that loan line limit of loan product is well below the amount of the loan, this will substantially reduce loan effect
Rate, especially such loan customer are usually high quality loan customer, can seriously affect the loan experience of loan customer, thus
Loan customer is caused to be lost.
Summary of the invention
The main purpose of the present invention is to provide a kind of singulated method, apparatus of loan, equipment and readable storage medium storing program for executing, it is intended to
When the amount of the loan of the solution in loan application is greater than the loan limit of loan product, low efficiency of providing a loan easily causes loan customer
The technical issues of loss.
To achieve the above object, the present invention provides a kind of singulated method of loan, and the singulated method of loan includes:
The loan order with loan qualification is obtained, the amount of the loan in the loan order is extracted；
All loan products to be selected for meeting the loan qualification in the loan product database prestored are obtained, and obtain institute
State the loan line limit of all loan products to be selected；
Judge whether the amount of the loan is greater than the arbitrary loan line limit；
If the amount of the loan is greater than the arbitrary loan line limit, by the loan in the loan order
The amount of money splits into multiple loan interest volumes, and the loan order is split into the corresponding multiple sub- orders of each loan interest volume, with
Complete the processing of the loan order.
Optionally, if the amount of the loan is greater than the arbitrary loan line limit, by the loan order
In the amount of the loan split into multiple loan interest volume steps and include:
If the amount of the loan is greater than the arbitrary loan line limit, by the amount of the loan split into it is described
The arbitrarily identical multiple loan interest volumes of loan line limit amount.
Optionally, it is described the amount of the loan is split into it is identical multiple with the arbitrary loan line limit amount
Loan interest volume step include:
Maximum amount is chosen from each loan line limit, is stated according to the maximum amount to described
The amount of the loan in loan order carries out the first deconsolidation process, obtains the first loan interest volume；
First amount of money difference of the amount of the loan and the maximum amount after obtaining the first deconsolidation process, judgement
Whether first amount of money difference is higher than the maximum amount；
If first amount of money difference is higher than the maximum amount, according to the maximum amount to described the
One amount of money difference carries out continuing fractionation, until persistently splitting obtained amount of money difference is less than the maximum amount, it will be described
Amount of money difference less than the maximum amount is set as the second amount of money difference；
Based on second amount of money difference, the second deconsolidation process is carried out to the amount of the loan in the loan order,
Obtain the second loan interest volume.
Optionally, it is described the amount of the loan is split into it is identical multiple with the arbitrary loan line limit amount
Loan interest volume step include:
The corresponding average loan limit prestored of loan order is acquired, according to the average loan limit and is needed
The loan line limit of loan product is selected, amount is chosen and is greater than the average loan limit, and most with the average loan limit
Close target loan line limit；
The amount of the loan in the loan order is splitted into each loan according to the target loan line limit
The amount of money.
Optionally, described according to the averagely loan line limit of loan limit and all loan products to be selected, choosing
Take amount to be greater than the average loan limit, and with the average immediate target loan line limit step packet of loan limit
It includes:
According to the average loan limit and the loan line limit of all loan products to be selected, from all loans to be selected
It is picked out in the loan line limit of product and is subordinated to different lending banks, amount is greater than the average loan limit, and with
The average immediate each target loan line limit of loan limit；
It is described that the amount of the loan in the loan order is splitted by each loan according to the target loan line limit
Fund amount of money step includes:
The amount of the loan in the loan order is splitted into each loan one by one according to the target loan line limit
The fund amount of money, wherein each loan interest volume is branched into the corresponding different loans of each target loan line limit
Money bank.
Optionally, described pick out from the loan line limit of all loan products to be selected is subordinated to different lending banks
, amount is greater than the average loan limit, and with the average immediate each target loan line limit of loan limit
Include: after step
According to the average loan limit and the amount of the loan of the loan order, each target loan needed is determined
The target number of the amount upper limit；
The actual number for obtaining the target loan line limit picked out, judges whether the actual number is greater than institute
State target number；
If the actual number is greater than the target number, obtain in each target loan limit of the actual number
Limit the priority ranking of the different lending banks of corresponding subordinate；
According to the priority ranking, the target is chosen from each target loan line limit of the actual number
The target loan line limit of number；
It is described that the amount of the loan in the loan order is splitted by each loan according to the target loan line limit
Fund amount of money step includes:
The amount of the loan in the loan order is splitted into according to the target loan line limit of the target number
Each loan interest volume.
Optionally, if the amount of the loan is greater than the arbitrary loan line limit, by the loan order
In the amount of the loan split into multiple loan interest volume steps and include:
If the amount of the loan is greater than the arbitrary loan line limit, obtain associated each with the loan order
The available loan limit of bank, and selection can use the highest target bank of loan limit；
From described with target loan product is chosen in the highest target bank of loan limit, provided a loan and produced according to the target
The amount of the loan in the loan order is splitted into each loan interest volume by product.
The present invention also provides a kind of singulated device of loan, the singulated device of loan includes:
First obtains module, for obtaining the loan order with loan qualification, extracts the loan in the loan order
The amount of money；
Second obtains module, meets all to be selected of the loan qualification in the loan product database prestored for obtaining
Loan product, and obtain the loan line limit of all loan products to be selected；
Judgment module, for judging whether the amount of the loan is greater than the arbitrary loan line limit；
Module is split, if being greater than the arbitrary loan line limit for the amount of the loan, the loan is ordered
The amount of the loan in list splits into multiple loan interest volumes, and it is corresponding that the loan order is split into each loan interest volume
Multiple sub- orders, to complete the processing of the loan order.
Optionally, the fractionation module includes:
Submodule is split, if being greater than the arbitrary loan line limit for the amount of the loan, by the loan
Splitting of values is at multiple loan interest volumes identical with the arbitrary loan line limit amount.
Optionally, the fractionation submodule includes:
Selection unit, for choosing maximum amount from each loan line limit, according in the highest
Limit degree obtains the first loan interest volume to the amount of the loan first deconsolidation process of progress stated in loan order；
First split cells, for obtaining the amount of the loan after the first deconsolidation process and the maximum amount
First amount of money difference, judges whether first amount of money difference is higher than the maximum amount；
Continue split cells, if being higher than the maximum amount for first amount of money difference, according to most
High upper limit amount carries out first amount of money difference to continue fractionation, until persistently splitting obtained amount of money difference less than described in most
The amount of money difference less than the maximum amount is set as the second amount of money difference by high upper limit amount；
Second split cells, for being based on second amount of money difference, to the amount of the loan in the loan order
The second deconsolidation process is carried out, the second loan interest volume is obtained.
Optionally, the fractionation submodule further include:
Acquisition unit, for acquiring the corresponding average loan limit prestored of loan order, according to the average loan
The loan line limit of amount and all loan products to be selected chooses amount and is greater than the average loan limit, and with it is described
The average immediate target loan line limit of loan limit；
Third split cells, for according to the target loan line limit that the loan in the loan order is golden
Volume splits into each loan interest volume.
Optionally, the acquisition unit includes:
Subelement is selected, for the loan limit according to the average loan limit and all loan products to be selected
Limit, picks out from the loan line limit of all loan products to be selected and is subordinated to different lending banks, and amount is greater than described
Average loan limit, and with the average immediate each target loan line limit of loan limit；
The third split cells further include:
First split subelement, for according to the target loan line limit by it is described loan order in the loan
The amount of money splits into each loan interest volume one by one, wherein each loan interest volume is branched to each target loan value
Spend the corresponding different lending banks of the upper limit.
Optionally, the acquisition unit further include:
Determine subelement, for the amount of the loan according to the average loan limit and the loan order, determining is needed
The target number for each target loan line limit wanted；
First acquisition subelement judges institute for obtaining the actual number for the target loan line limit picked out
State whether actual number is greater than the target number；
Second obtains subelement, if being greater than the target number for the actual number, obtains the actual number
Each target loan line limit correspond to subordinate different lending banks priority ranking；
Second splits subelement, is used for according to the priority ranking, from each target loan value of the actual number
The target loan line limit of the target number is chosen in the degree upper limit；
The third split cells further include:
Third splits subelement, for will be in the loan order according to the target loan line limit of the target number
The amount of the loan split into each loan interest volume.
Optionally, the fractionation module further include:
Acquisition submodule obtains and the loan if being greater than the arbitrary loan line limit for the amount of the loan
The available loan limit of the associated each bank of money order, and selection can use the highest target bank of loan limit；
Submodule is chosen, for choosing target loan product, root in the highest target bank of loan limit from described use
The amount of the loan in the loan order is splitted into each loan interest volume according to the target loan product.
In addition, to achieve the above object, the present invention also provides a kind of singulated equipment of loan, the singulated equipment packet of loan
It includes: memory, processor, communication bus and the singulated program of the loan being stored on the memory,
The communication bus is for realizing the communication connection between processor and memory；
The processor is for executing the singulated program of loan, to perform the steps of
The loan order with loan qualification is obtained, the amount of the loan in the loan order is extracted；
All loan products to be selected for meeting the loan qualification in the loan product database prestored are obtained, and obtain institute
State the loan line limit of all loan products to be selected；
Judge whether the amount of the loan is greater than the arbitrary loan line limit；
If the amount of the loan is greater than the arbitrary loan line limit, by the loan in the loan order
The amount of money splits into multiple loan interest volumes, and the loan order is split into the corresponding multiple sub- orders of each loan interest volume, with
Complete the processing of the loan order.
In addition, to achieve the above object, the present invention also provides a kind of readable storage medium storing program for executing, the readable storage medium storing program for executing storage
Have one perhaps more than one program the one or more programs can be held by one or more than one processor
Row is to be used for:
The loan order with loan qualification is obtained, the amount of the loan in the loan order is extracted；
All loan products to be selected for meeting the loan qualification in the loan product database prestored are obtained, and obtain institute
State the loan line limit of all loan products to be selected；
Judge whether the amount of the loan is greater than the arbitrary loan line limit；
If the amount of the loan is greater than the arbitrary loan line limit, by the loan in the loan order
The amount of money splits into multiple loan interest volumes, and the loan order is split into the corresponding multiple sub- orders of each loan interest volume, with
Complete the processing of the loan order.
The present invention has the loan order of loan qualification by obtaining, and extracts the amount of the loan in the loan order；It obtains
All loan products to be selected for meeting the loan qualification in the loan product database prestored are taken, and are obtained described all to be selected
The loan line limit of loan product；Judge whether the amount of the loan is greater than the arbitrary loan line limit；If described
The amount of the loan is greater than the arbitrary loan line limit, then the amount of the loan in the loan order is splitted into multiple loans
The loan order is split into the corresponding multiple sub- orders of each loan interest volume by the fund amount of money, is ordered with completing the loan
Single processing.In the present embodiment, obtain loan order after, if detect loan order in the amount of the loan be greater than needed
Each loan line limit of loan product is selected, then the amount of the loan in the loan order is splitted into multiple loan interests
Volume, and handled, the loan customer without order of providing a loan carries out the operation such as loan application again again, thus improves
The treatment effeciency of big amount order, and the experience of corresponding loan customer is improved, the loss of loan customer is avoided, thus solve
When the amount of the loan in existing loan application is greater than the loan limit of loan product, low efficiency of providing a loan easily causes loan customer
The technical issues of loss.
Detailed description of the invention
Fig. 1 is the flow diagram of the singulated method first embodiment of present invention loan；
Fig. 2 is that the singulated method second embodiment of present invention loan splits into the amount of the loan and the arbitrary loan
The refinement flow diagram of the identical multiple loan interest volume steps of amount upper limit amount；
Fig. 3 is the device structure schematic diagram for the hardware running environment that present invention method is related to.
The embodiments will be further described with reference to the accompanying drawings for the realization, the function and the advantages of the object of the present invention.
Specific embodiment
It should be appreciated that the specific embodiments described herein are merely illustrative of the present invention, it is not intended to limit the present invention.
The present invention provides a kind of singulated method of loan, in the first embodiment that the present invention provides a loan singulated method, referring to figure
1, the singulated method of the loan includes:
Step S10 obtains the loan order with loan qualification, extracts the amount of the loan in the loan order；
Step S20 obtains all loan products to be selected for meeting the loan qualification in the loan product database prestored,
And obtain the loan line limit of all loan products to be selected；
Step S30, judges whether the amount of the loan is greater than the arbitrary loan line limit；
Step S40 will be in the loan order if the amount of the loan is greater than the arbitrary loan line limit
The amount of the loan splits into multiple loan interest volumes, and the loan order is split into the corresponding multiple sons of each loan interest volume
Order, to complete the processing of the loan order.
Specific step is as follows:
Step S10 obtains the loan order with loan qualification, extracts the amount of the loan in the loan order；
In the present embodiment, singulated method of providing a loan can be applied to provide a loan singulated system (can be referred to as system), existing
Grow directly from seeds in living, the loan order of loan customer often occurs by qualification examination, but because loan limit is too high to look for
To the loan product that can be adapted to loan limit, cause this loan order that can not finally implement.Such as loan order A application
Mortgage 500,000, and loan qualification is obtained, but there is no amounts in all loan products to be selected for belonging to mortgage
For 500,000 loan product, highest only has 300,000 loan product to be selected.Since the loan of loan customer is not achieved in loan limit
The amount of money, loan customer cannot obtain corresponding loan, reduce loan efficiency.
In the present embodiment, financial institution will carry out approval of qualification to respective loan order, when loan order is provided a loan
When qualification, system will be directly obtained the amount of the loan in loan order, wherein the amount of the loan in corresponding loan order be
Determination region in loan order show, that is, can be with according to the determination region after obtaining the loan order with qualification of providing a loan
Directly extract the amount of the loan in the loan order.
Step S20 obtains all loan products to be selected for meeting the loan qualification in the loan product database prestored,
And obtain the loan line limit of all loan products to be selected；
It since loan order has obtained loan qualification, can be screened, be obtained each from the product database prestored
The loan line limit of a loan product to be selected.The loan line limit refer to loan product to be selected respectively it is permitted most
The high amount of the loan, different loan products have different loan line limits according to its product form, such as house decoration is borrowed
Money can be 300,000, and house consumptive loan can be 1,000,000, and Mobile Phone Consumption loan can be 10,000 etc..
Step S30, judges whether the amount of the loan is greater than the arbitrary loan line limit；
System judges the loan line limit to each product, if there are loan limits in all loan line limits
Greater than the loan product of the amount of the loan, then loan line limit is directly greater than the loan product of the amount of the loan as institute
The matching product of loan order is stated, and the processing for carrying out loan order is said if all loan line limits are both less than the amount of the loan
There is no any one loan products in the product database of bright current system can be mutual with the amount of the loan in loan order
Matching, to meet the demand for loan of loan customer.
Step S40 will be in the loan order if the amount of the loan is greater than the arbitrary loan line limit
The amount of the loan splits into multiple loan interest volumes, and the loan order is split into the corresponding multiple sons of each loan interest volume
Order, to complete the processing of the loan order.
If the amount of the loan is greater than the arbitrary loan line limit, system will be according to loan line limit current
Loan order be split as multiple sub- orders, so that the amount of the loan in order of providing a loan is split as the loan in each sub- order
Interest volume.That is, there is respective loan interest volume in different sub- orders.For example, the amount of the loan in loan order is
400000, the loan line limit of current all loan products is respectively product A:30 ten thousand, product B:20 ten thousand, products C: 100,000.That
The amount of the loan will be divided by system according to loan line limit: 300,000+10 ten thousand, or: 200,000+20 ten thousand.
Specifically, if the amount of the loan is greater than the arbitrary loan line limit, by the loan
The amount of the loan in order splits into multiple loan interest volume steps
Step S41 splits the amount of the loan if the amount of the loan is greater than the arbitrary loan line limit
At multiple loan interest volumes identical with the arbitrary loan line limit amount.
It is, if the loan line limit of current all loan products is respectively product A:30 ten thousand, product B:20 ten thousand, product
C:10 ten thousand, the amount of the loan will not be divided into 250,000+15 ten thousand this modes by system, but be torn open according to the amount upper limit of each product
Point, unless 400,000 can not be gathered into after splitting.That is, how many sub- orders are specifically splitted into, all by each loan line limit
It determines.Based on 300,000 upper limits of product A, then 400,000 300,000+10 ten thousand are split into, based on 200,000 upper limits of product B, then 400,000 torn open
It is 200,000+20 ten thousand, based on 100,000 upper limits of products C, then 400,000 is split into 100,000+30 ten thousand.
Since the amount of the loan in order of providing a loan is split into the loan interest volume in multiple sub- orders, each loan interest
Volume has been substantially reduced relative to original amount of the loan, at this point, system again by the loan interest volume of each sub- order and it is each to
It selects the loan line limit in loan product to be matched, the corresponding target loan product of each sub- order can be obtained.For example, former
The first amount of the loan is 400,000, is split as 300,000+10 ten thousand or 200,000+20 ten thousand now, system can be in all loan products to be selected
Middle progress product matching.That is, loan order can be split as product A (300,000)+products C (100,000), product B by system
(200,000)+product A (300,000 upper limits only borrow 200,000) or products C (100,000)+product B (200,000)+product A (only borrow by 300,000 upper limits
Ten thousand) the 10 sub- orders such as.Since product A+ products C is full scale loan, system borrows the target for obtaining product A and products C
Money product.
The present invention has the loan order of loan qualification by obtaining, and extracts the amount of the loan in the loan order；It obtains
All loan products to be selected for meeting the loan qualification in the loan product database prestored are taken, and are obtained described all to be selected
The loan line limit of loan product；Judge whether the amount of the loan is greater than the arbitrary loan line limit；If described
The amount of the loan is greater than the arbitrary loan line limit, then the amount of the loan in the loan order is splitted into multiple loans
The loan order is split into the corresponding multiple sub- orders of each loan interest volume by the fund amount of money, is ordered with completing the loan
Single processing.In the present embodiment, obtain loan order after, if detect loan order in the amount of the loan be greater than needed
Each loan line limit of loan product is selected, then the amount of the loan in the loan order is splitted into multiple loan interests
Volume, and handled, the loan customer without order of providing a loan carries out the operation such as loan application again again, thus improves
The treatment effeciency of big amount order, and the experience of corresponding loan customer is improved, the loss of loan customer is avoided, thus solve
When the amount of the loan in existing loan application is greater than the loan limit of loan product, low efficiency of providing a loan easily causes loan customer
The technical issues of loss.
Further, referring to Fig. 2, the present invention offers a loan another embodiment of singulated method, in this embodiment, described
The amount of the loan, which is split into multiple loan interest volume steps identical with the arbitrary loan line limit amount, includes:
Step S411 chooses maximum amount, according to the maximum volume from each loan line limit
It spends to the amount of the loan first deconsolidation process of progress stated in loan order, obtains the first loan interest volume；
In the present embodiment, after determining that the loan line limit of each loan product is both less than corresponding loan limit,
Maximum amount is chosen from each loan line limit, and loan order is stated to described according to the maximum amount
In the amount of the loan carry out the first deconsolidation process, obtain the first loan interest volume, wherein it should be noted that splitting
Afterwards, the remaining amount of the loan in loan order still may be higher than the maximum amount.
Step S412, first amount of money of the amount of the loan and the maximum amount after obtaining the first deconsolidation process
Difference, judges whether first amount of money difference is higher than the maximum amount；
After first splits, first of the amount of the loan and the maximum amount after obtaining the first deconsolidation process
Amount of money difference, judges whether first amount of money difference is higher than the maximum amount, and the purpose of judgement is whether need
First amount of money difference is carried out to continue fractionation, it should be noted that in the present embodiment, only by first amount of money difference and institute
It states maximum amount to be compared, to avoid splitting, number is excessive.
Step S413, if first amount of money difference is higher than the maximum amount, according to the maximum volume
Degree carries out first amount of money difference to continue fractionation, until persistently splitting obtained amount of money difference is less than the maximum volume
Degree, is set as the second amount of money difference for the amount of money difference less than the maximum amount；
Step S414 is based on second amount of money difference, carries out second to the amount of the loan in the loan order
Deconsolidation process obtains the second loan interest volume.
In the present embodiment, if first amount of money difference is higher than the maximum amount, according in the highest
Limit degree carries out first amount of money difference to continue fractionation, is persistently to be torn open to the amount of the loan in money order
Point, until persistently splitting obtained amount of money difference is less than the maximum amount, described the maximum amount will be less than
Amount of money difference be set as the second amount of money difference, in the present embodiment, in obtained the second gold medal less than the maximum amount
After volume difference, can be by the upper limit amount of the second amount of money difference and other loan products rather than the maximum amount compares
Compared with to realize that the amount of money of loan order and loan product exactly matches as far as possible.
In the present embodiment, by from each loan line limit choose maximum amount, according to it is described most
High upper limit amount obtains the first loan interest to the amount of the loan first deconsolidation process of progress stated in loan order
Volume；First amount of money difference of the amount of the loan after obtaining the first deconsolidation process and the maximum amount, described in judgement
Whether the first amount of money difference is higher than the maximum amount；If first amount of money difference is higher than the maximum amount,
Then first amount of money difference is carried out according to the maximum amount to continue fractionation, until it is poor persistently to split the obtained amount of money
Value is less than the maximum amount, and the amount of money difference less than the maximum amount is set as the second amount of money difference；
Based on second amount of money difference, the second deconsolidation process is carried out to the amount of the loan in the loan order, obtains second
Loan interest volume.In the present embodiment, loan order is carried out continuing fractionation according to maximum amount, thus, it is possible to accelerate
The processing of loan order is gone down town, and be can be avoided process caused by fractionation more times and wasted.
Further, the present invention offers a loan another embodiment of singulated method, in this embodiment, described by the loan
Money splitting of values includes: at multiple loan interest volume steps identical with the arbitrary loan line limit amount
Step S415 acquires the corresponding average loan limit prestored of loan order, according to the average loan limit
And the loan line limit of all loan products to be selected, choose amount and be greater than the average loan limit, and with it is described average
The immediate target loan line limit of loan limit；
In the present embodiment, multiple sub- orders would generally be obtained by splitting to loan order, and client keeps away for convenience of repaying
Exempting from different loan products, to generate amount of monthly repayment degree different because refund calculation is different, leads to that fault of refunding occurs, is
Average borrowing needs, that is, system that system receives user's input receives the corresponding average loan limit prestored of loan order, specifically,
According to the average loan limit and the loan line limit of all loan products to be selected, chooses amount and be greater than the average loan
Amount of money degree, and with the average immediate target loan line limit of loan limit, for example, average loan limit is 150,000,
And if target loan line limit is respectively 160,000,200,000,140,000,250,000, then choose loan line limit be 160,000 loan
Product.
Step S416 splits into the amount of the loan in the loan order respectively according to the target loan line limit
A loan interest volume.
The amount of the loan in the loan order is splitted into each loan according to the target loan line limit
The amount of money, such as loan order are 1,000,000, and Product ABC D is the 300000 amount upper limits, and system can be flat according to the product loan upper limit
250,000+25 ten thousand+25 ten thousand+25 ten thousand 4 sub- orders of loan are split as, without being split as 300,000+30 ten thousand+30 ten thousand+10 ten thousand.
Specifically, described according to the averagely loan line limit of loan limit and all loan products to be selected, choosing
Take amount to be greater than the average loan limit, and with the average immediate target loan line limit step packet of loan limit
It includes:
Step A1, according to the average loan limit and the loan line limit of all loan products to be selected, from all
It is picked out in the loan line limit of loan product to be selected and is subordinated to different lending banks, amount is greater than the average loan value
Degree, and with the average immediate each target loan line limit of loan limit；
In the present embodiment, it in order to avoid concentration of risk is in a certain bank, is produced obtaining loan limit greater than any loan
After the loan order of the product loan upper limit, according in the average loan limit and the loan limit of all loan products to be selected
Limit, picks out from the loan line limit of all loan products to be selected and is subordinated to different lending banks, and amount is greater than described
Average loan limit, and with the average immediate each target loan line limit of loan limit.
It is described that the amount of the loan in the loan order is splitted by each loan according to the target loan line limit
Fund amount of money step includes:
Step B1 splits into the amount of the loan in the loan order according to the target loan line limit one by one
Each loan interest volume, wherein it is corresponding that each loan interest volume is branched into each target loan line limit
Different lending banks.
After obtaining target loan line limit, according to the target loan line limit by it is described loan order in institute
It states the amount of the loan and splits into each loan interest volume one by one, each loan interest volume is branched into each target loan value
The corresponding different lending banks of the upper limit are spent, the phenomenon that being undertaken by a bank to avoid risk and caused concentration of risk.
Described pick out from the loan line limit of all loan products to be selected is subordinated to different lending banks, amount
It is averaged after the immediate each target loan line limit step of loan limit greater than the loan limit that is averaged, and with described
Include:
Step C1 determines each of needs according to the average loan limit and the amount of the loan of the loan order
The target number of target loan line limit；
In the present embodiment, it is understood that there may be the loan product of more lending banks meets the requirements, thus, in the present embodiment
In, according to the average loan limit and the amount of the loan of the loan order, determine each target loan limit needed
The target number of the upper limit is the target number of determining lending bank.
Step C1 obtains the actual number for the target loan line limit picked out, and judges that the actual number is
It is no to be greater than the target number；
After obtaining the target number of lending bank, practical of the target loan line limit picked out is obtained
Number, wherein the actual number is more than or equal to the target number.
Step C1, if the actual number is greater than the target number, each target for obtaining the actual number is borrowed
The amount of money degree upper limit corresponds to the priority ranking of the different lending banks of subordinate；
After obtaining actual number, judge whether the actual number is greater than the target number, if the actual number
Greater than the target number, then each target loan line limit for obtaining the actual number corresponds to the different loan silver of subordinate
Capable priority ranking, and according to the loan product of the priority ranking selection higher bank of priority.
Step C1 chooses from each target loan line limit of the actual number according to the priority ranking
The target loan line limit of the target number；
According to the priority ranking, the target is chosen from each target loan line limit of the actual number
The target loan line limit of number, is illustrated to specific embodiment, loan that the sub- order that most end is split is 100,000
The amount of money, but the target loan product for being matched to Liang Jia bank is 100,000, at this point, obtaining the priority of Liang Jia bank.Such as A
Bank S grades, M grades of B bank, priority can represent number or satisfaction of Cooperation amount etc..System will rank compared with
The A bank of high S grade is matched on sub- order.
It is described that the amount of the loan in the loan order is splitted by each loan according to the target loan line limit
Fund amount of money step includes:
It, will be in the loan order according to the target loan line limit of the target number after obtaining target number
The amount of the loan splits into each loan interest volume, rather than splits into the loan interest volume of actual number.
In the present embodiment, by acquiring the corresponding average loan limit prestored of loan order, according to described average
The loan line limit of loan limit and all loan products to be selected chooses amount greater than the average loan limit, and with
The average immediate target loan line limit of loan limit；The loan is ordered according to the target loan line limit
The amount of the loan in list splits into each loan interest volume.The present embodiment carries out loan interest from the angle refunded convenient for client
The fractionation of volume, to promote user experience.
Further, the present invention offers a loan another embodiment of singulated method, in this embodiment, if the loan
The money amount of money is greater than the arbitrary loan line limit, then the amount of the loan in the loan order is splitted into multiple loans
Interest volume step includes:
Step D1 is obtained and is closed with the loan order if the amount of the loan is greater than the arbitrary loan line limit
The available loan limit of each bank of connection, and selection can use the highest target bank of loan limit；
Step D2, from described with target loan product is chosen in the highest target bank of loan limit, according to the mesh
The amount of the loan in the loan order is splitted into each loan interest volume by mark loan product.
In the present embodiment, it is illustrated to specific embodiment, in general, bank is supplied to the loan product of financial institution
All there are task index, i.e., available loan limit, for example, bank needs financial institution complete in January/mono- season/mono- year
At how many loan limit.If the amount upper limit of current all loan products all meets the amount of the loan, then system will be according to current
The remaining loan limit of each bank is matched.Directly the product of that maximum bank of remaining loan limit is matched as target
Loan product.Such as current production ABCD is the 300000 amount upper limits, and the amount of the loan is 300,000, system will respectively obtain product
The remaining loan limit 1,700,000,000,1,100,000,000,1,800,000,000,1,500,000,000 of the corresponding abcd bank of ABCD.And wherein c bank residue loan limit is most
Greatly, to give loan Order splitting to the corresponding loan product of c bank.
In the present embodiment, if being greater than the arbitrary loan line limit by the amount of the loan, obtain with it is described
The available loan limit of the loan associated each bank of order, and selection can use the highest target bank of loan limit；From described
The loan can be ordered according to the target loan product with target loan product is chosen in the highest target bank of loan limit
The amount of the loan in list splits into each loan interest volume.In the present embodiment, according to the available loan limit of each bank
The amount of the loan is distributed to the high bank of available loan limit by the fractionation for carrying out loan interest volume, and can be high with loan limit
The busy degree of the processing task of bank is low, and speed is fast, thus, in the present embodiment, it is possible to accelerate the treatment effeciency of loan order.
Referring to Fig. 3, Fig. 3 is the device structure schematic diagram for the hardware running environment that the embodiment of the present invention is related to.
The singulated equipment of loan of the embodiment of the present invention can be PC, be also possible to smart phone, tablet computer, e-book reading
Device, MP3 (Moving Picture Experts Group Audio Layer III, dynamic image expert's compression standard audio
Level 3) player, MP4 (Moving Picture Experts Group Audio Layer IV, dynamic image expert compression
Standard audio level 3) terminal devices such as player, portable computer.
As shown in figure 3, the singulated equipment of the loan may include: processor 1001, such as CPU, memory 1005, communication is always
Line 1002.Wherein, communication bus 1002 is for realizing the connection communication between processor 1001 and memory 1005.Memory
1005 can be high speed RAM memory, be also possible to stable memory (non-volatile memory), such as disk is deposited
Reservoir.Memory 1005 optionally can also be the storage equipment independently of aforementioned processor 1001.
Optionally, the singulated equipment of the loan can also include target user interface, network interface, camera, RF (Radio
Frequency, radio frequency) circuit, sensor, voicefrequency circuit, WiFi module etc..Target user interface may include display screen
(Display), input unit such as keyboard (Keyboard), optional target user interface can also include that the wired of standard connects
Mouth, wireless interface.Network interface optionally may include standard wireline interface and wireless interface (such as WI-FI interface).
It will be understood by those skilled in the art that the singulated device structure of loan shown in Fig. 3 do not constitute it is singulated to providing a loan
The restriction of equipment may include perhaps combining certain components or different component cloth than illustrating more or fewer components
It sets.
As shown in figure 3, as may include that operating system, network are logical in a kind of memory 1005 of computer storage medium
Believe module and the singulated program of loan.Operating system is to manage and control the program of provide a loan singulated device hardware and software resource,
Support the operation of the singulated program of loan and other softwares and/or program.Network communication module is for realizing in memory 1005
Communication between each component in portion, and communicated between other hardware and softwares in singulated equipment of providing a loan.
In the singulated equipment of loan shown in Fig. 3, processor 1001 is torn open for executing the loan stored in memory 1005
The step of one way sequence, realization loan described in any of the above embodiments singulated method.
The singulated equipment specific embodiment of present invention loan and each embodiment of the singulated method of above-mentioned loan are essentially identical, herein
It repeats no more.
The present invention also provides a kind of singulated device of loan, the singulated device of loan includes:
First obtains module, for obtaining the loan order with loan qualification, extracts the loan in the loan order
The amount of money；
Second obtains module, meets all to be selected of the loan qualification in the loan product database prestored for obtaining
Loan product, and obtain the loan line limit of all loan products to be selected；
Judgment module, for judging whether the amount of the loan is greater than the arbitrary loan line limit；
Module is split, if being greater than the arbitrary loan line limit for the amount of the loan, the loan is ordered
The amount of the loan in list splits into multiple loan interest volumes, and it is corresponding that the loan order is split into each loan interest volume
Multiple sub- orders, to complete the processing of the loan order.
The singulated device specific embodiment of present invention loan and each embodiment of the singulated method of above-mentioned loan are essentially identical, herein
It repeats no more.
The present invention provides a kind of readable storage medium storing program for executing, the readable storage medium storing program for executing is stored with one or more than one journey
Sequence, the one or more programs can also be executed by one or more than one processor for realizing above-mentioned
The step of singulated method of loan described in one.
Readable storage medium storing program for executing specific embodiment of the present invention and each embodiment of the singulated method of above-mentioned loan are essentially identical, herein
It repeats no more.
The above is only a preferred embodiment of the present invention, is not intended to limit the scope of the invention, all to utilize this hair
Equivalent structure or equivalent flow shift made by bright specification and accompanying drawing content is applied directly or indirectly in other relevant skills
Art field similarly includes in patent process range of the invention.
Claims (10)
1. a kind of singulated method of loan, which is characterized in that the singulated method of loan includes:
The loan order with loan qualification is obtained, the amount of the loan in the loan order is extracted；
All loan products to be selected for meeting the loan qualification in the loan product database prestored are obtained, and obtain the institute
There is the loan line limit of loan product to be selected；
Judge whether the amount of the loan is greater than the arbitrary loan line limit；
If the amount of the loan is greater than the arbitrary loan line limit, by the amount of the loan in the loan order
Multiple loan interest volumes are splitted into, the loan order is split into the corresponding multiple sub- orders of each loan interest volume, to complete
The processing of the loan order.
2. singulated method of providing a loan as described in claim 1, which is characterized in that if the amount of the loan is greater than arbitrary institute
Loan line limit is stated, then the amount of the loan in the loan order is splitted into multiple loan interest volume steps includes:
If the amount of the loan is greater than the arbitrary loan line limit, by the amount of the loan split into it is described any
The identical multiple loan interest volumes of loan line limit amount.
3. singulated method of providing a loan as claimed in claim 2, which is characterized in that it is described by the amount of the loan split into it is described
Arbitrarily the identical multiple loan interest volume steps of loan line limit amount include:
Maximum amount is chosen from each loan line limit, and loan is stated to described according to the maximum amount
The amount of the loan in order carries out the first deconsolidation process, obtains the first loan interest volume；
First amount of money difference of the amount of the loan after obtaining the first deconsolidation process and the maximum amount, described in judgement
Whether the first amount of money difference is higher than the maximum amount；
If first amount of money difference is higher than the maximum amount, according to the maximum amount to first gold medal
Volume difference carries out continuing fractionation, until persistently splitting obtained amount of money difference is less than the maximum amount, is less than by described in
The amount of money difference of the maximum amount is set as the second amount of money difference；
Based on second amount of money difference, the second deconsolidation process is carried out to the amount of the loan in the loan order, is obtained
Second loan interest volume.
4. singulated method of providing a loan as claimed in claim 2, which is characterized in that it is described by the amount of the loan split into it is described
Arbitrarily the identical multiple loan interest volume steps of loan line limit amount include:
The corresponding average loan limit prestored of loan order is acquired, according to the average loan limit and all loans to be selected
The loan line limit of money product chooses amount and is greater than the average loan limit, and closest with the average loan limit
Target loan line limit；
The amount of the loan in the loan order is splitted into each loan interest volume according to the target loan line limit.
5. singulated method of providing a loan as claimed in claim 4, which is characterized in that described according to the average loan limit and institute
Have a loan line limit of loan product to be selected, choose amount and be greater than the average loan limit, and with the average loan value
Spending immediate target loan line limit step includes:
According to the average loan limit and the loan line limit of all loan products to be selected, from all loan products to be selected
Loan line limit in pick out and be subordinated to different lending banks, amount is greater than the average loan limit, and with it is described
The average immediate each target loan line limit of loan limit；
It is described that the amount of the loan in the loan order is splitted by each loan according to the target loan line limit
Amount of money step includes:
The amount of the loan in the loan order is splitted into each loan one by one according to the target loan line limit
The amount of money, wherein each loan interest volume is branched into the corresponding different loan silver of each target loan line limit
Row.
6. singulated method of providing a loan as claimed in claim 5, which is characterized in that the loan value from all loan products to be selected
Pick out in the degree upper limit and be subordinated to different lending banks, amount is greater than the average loan limit, and with the average loan
Include: after the immediate each target loan line limit step of amount
According to the average loan limit and the amount of the loan of the loan order, each target loan limit needed is determined
The target number of the upper limit；
The actual number for obtaining the target loan line limit picked out, judges whether the actual number is greater than the mesh
Mark number；
If the actual number is greater than the target number, each target loan line limit pair of the actual number is obtained
Answer the priority ranking of the different lending banks of subordinate；
According to the priority ranking, the target number is chosen from each target loan line limit of the actual number
Target loan line limit；
It is described that the amount of the loan in the loan order is splitted by each loan according to the target loan line limit
Amount of money step includes:
According to the target loan line limit of the target number by it is described loan order in the amount of the loan split into it is each
Loan interest volume.
7. singulated method of providing a loan as described in claim 1, which is characterized in that if the amount of the loan is greater than arbitrary institute
Loan line limit is stated, then the amount of the loan in the loan order is splitted into multiple loan interest volume steps includes:
If the amount of the loan is greater than the arbitrary loan line limit, obtain and the associated each bank of loan order
Available loan limit, and choose can use the highest target bank of loan limit；
It, will according to the target loan product from described with target loan product is chosen in the highest target bank of loan limit
The amount of the loan in the loan order splits into each loan interest volume.
8. a kind of singulated device of loan, which is characterized in that the singulated device of loan includes:
First obtains module, for obtaining the loan order with loan qualification, extracts the amount of the loan in the loan order；
Second obtains module, for obtaining all loans to be selected for meeting the loan qualification in the loan product database prestored
Product, and obtain the loan line limit of all loan products to be selected；
Judgment module, for judging whether the amount of the loan is greater than the arbitrary loan line limit；
Module is split, it, will be in the loan order if being greater than the arbitrary loan line limit for the amount of the loan
The amount of the loan split into multiple loan interest volumes, it is corresponding multiple that the loan order is split into each loan interest volume
Sub- order, to complete the processing of the loan order.
9. a kind of singulated equipment of loan, which is characterized in that the singulated equipment of loan includes: memory, processor, communication bus
And the singulated program of loan being stored on the memory,
The communication bus is for realizing the communication connection between processor and memory；
The processor is for executing the singulated program of loan, to realize the loan as described in any one of claims 1 to 7
The step of singulated method.
10. a kind of readable storage medium storing program for executing, which is characterized in that the singulated program of loan is stored on the readable storage medium storing program for executing, it is described
It realizes when singulated program of providing a loan is executed by processor such as the step of loan of any of claims 1-7 singulated method.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201811134809.8A CN109658218A (en) | 2018-09-27 | 2018-09-27 | It provides a loan singulated method, apparatus, equipment and readable storage medium storing program for executing |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201811134809.8A CN109658218A (en) | 2018-09-27 | 2018-09-27 | It provides a loan singulated method, apparatus, equipment and readable storage medium storing program for executing |
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| CN109658218A true CN109658218A (en) | 2019-04-19 |
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| CN201811134809.8A Pending CN109658218A (en) | 2018-09-27 | 2018-09-27 | It provides a loan singulated method, apparatus, equipment and readable storage medium storing program for executing |
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