CN109658224A - It is a kind of to borrow air control management method and system by stages more - Google Patents
It is a kind of to borrow air control management method and system by stages more Download PDFInfo
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- CN109658224A CN109658224A CN201811436612.XA CN201811436612A CN109658224A CN 109658224 A CN109658224 A CN 109658224A CN 201811436612 A CN201811436612 A CN 201811436612A CN 109658224 A CN109658224 A CN 109658224A
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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
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/03—Credit; Loans; Processing thereof
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Abstract
The invention discloses one kind mostly loan, air control management method and system, method include: to obtain the credit information of target object when receiving the request by stages of target object by stages；Wherein, the credit information includes loan documentation and corresponding refund record of the user in multiple loan platforms；According to preset more loan configuration rules and the credit information, target object is obtained in the risk refund number of predetermined amount of time, to assess the repaying ability grade of the target object；According to the repaying ability grade of the target object, it is determined whether pass through the request by stages to the target object.The present invention obtains target object by air control channel in multiple platforms or the credit information of mechanism, then is assessed based on preset configuration rules of borrowing the repaying ability grade of user more, to improve air control managerial ability.
Description
Technical field
The present invention relates to information technology fields, more particularly to one kind to borrow air control management method and system by stages more.
Background technique
It is just constantly being in all parts of the country wide with universal, the limitation of consumer finance break through and region of mobile Internet
Big loaning bill user and investment user are taken value, and risk control at the same time and reference also become further important.
In general, risk control is usually just for the user that promise breaking occurred.But in some cases, some are used
Family may provide a loan to multiple loan platforms simultaneously, and carry out by way of robbing Peter to pay Paul refund and again subprime mortgage
Money.For such user, the ability to ward off risks is lower, and the risk broken a contract is larger, thus needs to be monitored in advance.
Summary of the invention
The embodiment of the present invention proposes that one kind borrows air control management method and system by stages more, can be effectively reduced payable by installment
Risk.
The embodiment of the invention provides one kind to borrow air control management method by stages more, comprising:
When receiving the request by stages of target object, the credit information of target object is obtained；Wherein, the credit information
It is recorded including user in the loan documentation of multiple loan platforms and corresponding refund；
According to preset more loan configuration rules and the credit information, target object is obtained in the risk of predetermined amount of time
Refund number, to assess the repaying ability grade of the target object；
According to the repaying ability grade of the target object, it is determined whether pass through the request by stages to the target object.
Preferably, the credit information for obtaining target object specifically:
Preset channel is configured, to obtain the reference information of target object by the channel configured.
Preferably, described according to preset more loan configuration rules and the credit information, target object is obtained predetermined
The risk refund number of period is specifically included with assessing the repaying ability grade of the target object::
Obtain the refund record of the target object within a predetermined period of time；Wherein, the refund record includes when refunding
Between；
It is risk by the refund recording mark when existing simultaneously loan documentation within the neighbouring period for refunding the time
It refunds；
It adds up to risk refund within a predetermined period of time, risk refund number is obtained, to assess the target pair
The repaying ability grade of elephant.
Preferably, described according to preset more loan configuration rules and the credit information, target object is obtained predetermined
The risk refund number of period is specifically included with assessing the repaying ability grade of the target object::
Obtain the refund record of the target object within a predetermined period of time；Wherein, the refund record includes when refunding
Between and refund number；
When existing simultaneously loan documentation within the neighbouring period for refunding the time, the loan number of the loan documentation is obtained
Volume；
When the ratio of the loan amount and the refund number is greater than preset ratio, it is by the refund recording mark
Risk is refunded；
It adds up to risk refund within a predetermined period of time, risk refund number is obtained, to assess the target pair
The repaying ability grade grade of elephant.
Preferably, further includes:
Obtain the variation tendency of the ratio of the loan amount and the refund number；
When the variation tendency is to become larger, correct to reduce the repaying ability grade of the target object；
When the variation tendency is to gradually become smaller, correct to improve the repaying ability grade of the target object.
Preferably, further includes:
Calculate the slope of the variation tendency；
The variable quantity of repaying ability grade is determined according to the slope；Wherein, when the absolute value of slope is bigger, variable quantity is got over
Greatly；And
The repaying ability grade of the target object is reduced or improved according to the variable quantity.
The embodiment of the invention also provides one kind to borrow air control management system by stages more, comprising:
Credit information acquiring unit, for obtaining the credit of target object when receiving the request by stages of target object
Information；Wherein, the credit information includes loan documentation and corresponding refund record of the user in multiple loan platforms；
It is borrow configuration unit more, for obtaining target object according to preset more loan configuration rules and the credit information
In the risk refund number of predetermined amount of time, to assess the repaying ability grade of the target object；
Assessment unit, for the repaying ability grade according to the target object, it is determined whether by the target pair
The request by stages of elephant.
Preferably, the credit information acquiring unit that obtains is specifically used for, and configures preset channel, by described in configuring
The reference information of channel acquisition target object.
Preferably, the assessment unit specifically includes:
Record of refunding obtains module, and the refund for obtaining the target object within a predetermined period of time records；Wherein, institute
Stating refund record includes the time of refunding；
Mark module, for when refund the time the neighbouring period in exist simultaneously loan documentation when, by the refund
Recording mark is risk refund；
Evaluation module obtains risk refund number, for adding up to risk refund within a predetermined period of time to comment
Estimate the repaying ability of the target object.
Preferably, the assessment unit specifically includes:
Record of refunding obtains module, and the refund for obtaining the target object within a predetermined period of time records；Wherein, institute
Stating refund record includes refund time and refund number；
Loan documentation enquiry module, for obtaining when existing simultaneously loan documentation within the neighbouring period for refunding the time
Take the loan amount of the loan documentation；
Mark module will be described for when the ratio of the loan amount and the refund number is greater than preset ratio
Refund recording mark is risk refund；
Evaluation module obtains risk refund number, for adding up to risk refund within a predetermined period of time to comment
Estimate the repaying ability grade grade of the target object.
Preferably, further includes:
Variation tendency obtains module, the variation tendency of the ratio for obtaining the loan amount and the refund number；
First correction module, for correcting to reduce the target object when the variation tendency is to become larger
Repaying ability grade；
Second correction module, for correcting to improve the target object when the variation tendency is to gradually become smaller
Repaying ability grade.
In the present embodiment, target object is obtained by air control channel in multiple platforms or the credit information of mechanism, then
Based on preset configuration rules of borrowing the repaying ability grade of user is assessed morely, holds ability to improve air control.
Detailed description of the invention
Fig. 1 is the flow diagram for more loans air control management method by stages that first embodiment of the invention provides.
Fig. 2 is the air control channel interface configurations figure that first embodiment of the invention provides.
Fig. 3 is the air control channel information details list schematic diagram that first embodiment of the invention provides.
Fig. 4 is the air control controlling channel details list schematic diagram that first embodiment of the invention provides.
Fig. 5 is more loan configuration rule surface charts that first embodiment of the invention provides.
Fig. 6 is the structural schematic diagram for more loans air control management system by stages that second embodiment of the invention provides.
Specific embodiment
Following will be combined with the drawings in the embodiments of the present invention, and technical solution in the embodiment of the present invention carries out clear, complete
Site preparation description, it is clear that described embodiments are only a part of the embodiments of the present invention, instead of all the embodiments.It is based on
Embodiment in the present invention, it is obtained by those of ordinary skill in the art without making creative efforts every other
Embodiment shall fall within the protection scope of the present invention.
Referring to Figure 1, first embodiment of the invention provides one kind and borrows air control management method by stages more comprising::
S101 obtains the credit information of target object when receiving the request by stages of target object；Wherein, the letter
It include loan documentation and corresponding refund record of the user in multiple loan platforms with information.
In the present embodiment, operator can first pass through log-in interface and log on air control management system, and in air control management
Air control channel is configured in system.Wherein, by air control channel, the credit information of the available target object of air control management system,
Loan documentation, refund record or promise breaking record etc. including target object in multiple loan platforms, bank etc..
Wherein, air control channel can be configured in the following way:
As shown in Fig. 2, user clicks newly-increased button, page jump to " channel switch-update " page at air control channel interface
Face, there are three columns for the page: channel number, identity card interface switch and cell-phone number interface switch and two operation buttons: submitting
And return.
1, channel number: channel number be must defeated item, length limitation 50；
2, identity card interface switch: being defaulted as closing, and can according to circumstances be arranged to open；
3, cell-phone number interface switch: being defaulted as closing, and can according to circumstances be arranged to open；
4, return push-button: user clicks return push-button, and the page switchs details list back to channel；
5, submitting button: 1) channel number is sky, and user, which clicks, to submit, pop-up prompting frame " channel number cannot be sky ".
After increasing newly successfully, page jump to air control channel information details list.In air control channel information details list,
User can click search button by inputting " channel " or " channel title " at search key or "enter" key" is searched
Rope may search for out corresponding result.
Wherein, as shown in figure 3, each air control channel in air control channel information details list includes eight column information:
Channel, channel title, APPID, APPSECRET, SDKKEY, mechanism coding, organization user and mechanism PWD channel are required item,
Remaining seven columns are all that non-must fill out from channel title to mechanism PWD.User can be in air control channel information details list
Each air control channel information carries out additions and deletions and changes the operation such as to look into, and this will not be repeated here by the present invention.
Further, as shown in figure 4, user can be by clicking channel management-air control controlling channel, into air control channel
Control details list.Each air control channel of air control controlling channel details list includes five columns, channel, rule type, number
According to query type, data validity interval and permission.Likewise, user can be to each air control in air control controlling channel details list
Channel information carries out additions and deletions and changes the operation such as to look into, and this will not be repeated here by the present invention.
S102 obtains target object in predetermined amount of time according to preset more loan configuration rules and the credit information
Risk refund number, to assess the repaying ability grade of the target object.
As shown in figure 5, in the present embodiment, user can preset more loan configuration rules first, it then can be according to configuration
Good more loan configuration rules and the credit information judge the repaying ability grade of target object.
Specifically, in the present embodiment, for target object there may be the case where borrowing, the present embodiment can pass through acquisition more
Target object carrys out the repaying ability of overall merit target object in the loan and refund situation of multiple loan platforms or mechanism.
In a kind of way of example, step S102 is specifically included:
Obtain the refund record of the target object within a predetermined period of time；Wherein, the refund record includes when refunding
Between；
It is risk by the refund recording mark when existing simultaneously loan documentation within the neighbouring period for refunding the time
It refunds；
It adds up to risk refund within a predetermined period of time, risk refund number is obtained, to assess the target pair
The repaying ability grade of elephant.
In the present embodiment, if in predetermined number of days of target object while refunding or before refunding (in such as 3 days)
There is also loan documentations, then illustrating the target object, there may be come the case where repaying refund, at this time will by way of loan
This refund recording mark is risk refund.
Further, if the target object has multiple risk in the given time and refunds, even if user is still at this time
The case where promise breaking is refunded is not occurred, but the risk class of user is relatively high, the subsequent probability for being likely to occur promise breaking can also compare
It is higher, it is therefore desirable to suitably to turn down the repaying ability of the target object.
In a kind of way of example, step S102 is specifically included:
Obtain the refund record of the target object within a predetermined period of time；Wherein, the refund record includes when refunding
Between and refund number；
When existing simultaneously loan documentation within the neighbouring period for refunding the time, the loan number of the loan documentation is obtained
Volume；
When the ratio of the loan amount and the refund number is greater than preset ratio, it is by the refund recording mark
Risk is refunded；
It adds up to risk refund within a predetermined period of time, risk refund number is obtained, to assess the target pair
The repaying ability grade grade of elephant.
In the present embodiment, also need to comprehensively consider the ratio of loan amount and the refund number.For example, if loan amount
And the ratio of the refund number is greater than 0.5, then illustrates that the ability to ward off risks of target object is very low, and the most of of refund require
It is repaid by providing a loan again.And if the ratio of loan amount and the refund number less than 0.5, illustrates target object itself
There are certain repaying ability and revenue source, repaying ability and the ability to ward off risks are higher.
Further, the variation tendency that the ratio of the loan amount and the refund number can also be obtained, when the change
Change trend is to correct when becoming larger to reduce the repaying ability grade of the target object, when the variation tendency is gradually
When becoming smaller, correct to improve the repaying ability grade of the target object.
Wherein, if the ratio of target object loan amount and the refund number becomes larger, illustrate target object
There may be the possibility of deterioration for finance, need the repaying ability grade for reducing the target object at this time.Conversely, then illustrating target pair
The finance of elephant develop toward good direction, at this point, the repaying ability grade of the target object can be improved.
For example, calculating the slope of the variation tendency when adjusting repaying ability grade, repaid further according to slope determination
The also variable quantity of ability rating；It will be apparent that the absolute value when slope is bigger, variable quantity is bigger.Finally, according to the variation
Amount reduces or improves the repaying ability grade of the target object.
The case where being positive for slope, the bigger ratio for illustrating target object loan amount and the refund number of slope increase
It obtains quickly, the finance of target object deteriorate quickly, at this point, its default risk is also higher and higher, thus need more obviously drop
Its low repaying ability grade.The case where being positive conversely, for slope, the slope absolute value the big, is illustrating the finance of target object just
Accelerating to improve, can faster increase its repaying ability grade.
S103, according to the repaying ability grade of the target object, it is determined whether by the target object by stages
Request.
In the present embodiment, amount of money size according to the repaying ability grade of the target object and by stages is understood to determine
Whether the request by stages to the target object is passed through.If the repaying ability grade of target object is lower the amount of money by stages compared with
Greatly, then may refuse this to request by stages or switch to carry out manual examination and verification, to further determine whether to request by this by stages.
In conclusion obtaining target object by air control channel in multiple platforms or the letter of mechanism in the present embodiment
With information, then based on preset configuration rules of borrowing the repaying ability grade of user is assessed morely, holds energy to improve air control
Power.
It should be noted that the system of the present embodiment is also provided with following function:
One, main strategies batch data query function
By this function, user can be realized the batch query of main strategies data, and batch imports.
Two, blacklist management function
Wherein, the blacklist page have name, identity card, cell-phone number, the Expiration Date, blacklist source, blacklist reason and
Seven columns of related order number；
1, name and identity card: being both required item, length limitation is all 50 characters, and wherein identity card has added identity card
Number verification, whether verify input is correct ID card No., if inputting incorrect ID card No., pop-up prompt " you
The ID card No. of input is incorrect, please re-enter "；
2, cell-phone number and blacklist reason: for required item, length limitation is 11 characters, and wherein cell-phone number has added cell-phone number school
It tests, whether examine input is correct cell-phone number, if inputting incorrect cell-phone number, pop-up prompt " please input effective cell-phone number
Code！"；
3, it the Expiration Date: clicks and the Expiration Date may be selected, and the Expiration Date cannot be less than current date；
4, blacklist source: because being blacklist newly-increased manually, blacklist source is self-built blacklist；
5, related order number: related order number is that choosing is filled out, and length limitation is 15 characters.
Based on the blacklist page, user may be implemented to change the additions and deletions of blacklist and look into.
Three, customer information batch query
User clicks channel management-customer information batch query of menu area, leads into customer information batch query-
Enter the page.
Customer information batch query operating instruction is as follows:
1, user clicks customer information batch query and imports template, downloads template；
2, user adds the customer data to be inquired according to template, clicks and saves after the completion of addition；
3, user clicks select file, selects just just-downloaded template, after the completion of selection, choosing can be shown behind select file
The file name selected
4, user clicks the Import button, pop-up " confirmation imports? " prompting frame is confirmed whether to execute this operation
5, prompting frame " determination " button is clicked, ejection operation successfully prompts, confirmation operation success；
6, user clicks prompting frame confirming button, pops up result-customer information batch query table of inquiry；
7, user downloads customer information batch query table, checks query result.
Four, contact person and address list information batch query
User clicks channel management-contact person and the address list information batch query of menu area, into contact person and leads to
The news record information batch query page.
Contact person and address list information batch query operating instruction:
1, user clicks customer information batch query and imports template；
2, in click transmitting file select file, after selection, selected file title can be shown；
3, user clicks the export period, and the time to be inquired according to oneself carries out the selection of time；
4, user clicks the Import button, and pop-up confirmation imports prompting frame, is confirmed whether to execute this operation；
5, user clicks prompting frame " determination " button, and ejection operation successfully prompts, confirmation operation success；
6, prompting frame " determination " button is clicked, pop-up is closed；Export button is clicked, the result of inquiry is imported before export；
7, user's download and inquiry result-contact person and address list information batch query table open the data of display inquiry；
If 8, user is not desired to inquiring contactor and address list information, return push-button can be clicked, the page returns to homepage.
Five, marketing white list page management function
User clicks channel management-marketing white list of menu area, and into marketing white list, list has just enter into silent
Think empty, after clicking search, shows data.Wherein, the field of display include address name, user mobile phone number, ID card No.,
White list type and state.
Six, trade company's regional opening management function
User clicks channel management-trade company's regional opening management of menu area, into trade company's open area table of comparisons.
Seven, Cooperation trade company name recording function by stages is consumed
User inputs search condition, clicks search button or clicks enter key, can inquire corresponding result.
User, which clicks, to be imported, and page jump to trade company's batch updating imports the page.
User clicks trade company's batch updating and imports template, downloads template.
Select file finds the file to be imported, and selects it, then clicks the Import button, and pop-up confirmation, which imports, to be mentioned
Show, is confirmed whether to execute this operation.
Pop-up ACK button is clicked, prompts to operate successfully, then point falls to prompt the page to return to consumption Cooperation by stages
Trade company's register.
Eight, order refuses statistical function
User clicks channel management-order refusal statistics of menu area, enters the order Reason For Denial table page, the page
There are two lists in face: order customer service Reason For Denial table and the automatic Reason For Denial table of order.
For order customer service Reason For Denial table, user inputs search condition click search or enter key scans for, can
Search out corresponding result.
User wants derived data using search condition search, then clicks " export " button, pops up download task list,
Order downloaded customer service Reason For Denial table can be clicked.
Order downloaded customer service Reason For Denial table is opened, shows the data just searched in table.
Reason For Denial table automatic for order:
Input condition clicks search button to user at conditional search or enter key scans for, and the place of can search for corresponds to
Result.
User wants derived data using search condition search, then clicks " export " button, pops up download task list,
The automatic Reason For Denial table of order downloaded can be clicked.
The automatic Reason For Denial table of order downloaded is opened, shows the data just searched in table.
Nine, order failure full dose table function
User clicks channel management-order failure full dose table of menu area, into the order failure full dose table page.
User inserts search condition click search button or enter key scans for, and can search for out corresponding result.
User wants derived data using search condition search, then clicks " export " button, pops up download task list,
Order downloaded timeliness full dose table can be clicked.
Order downloaded timeliness full dose table is opened, shows the data just searched in table.
Ten, secondary function of white name list by stages
User clicks the secondary white list by stages of channel management-of menu area, into secondary white list by stages, enters
Page fault is sky, clicks search button, shows data.
User clicks and empties button, and the content at search condition can be emptied all.
User clicks newly-increased button, into secondary white list-forms pages by stages.The page includes following field: being used
Number is required item by stages for family name, user mobile phone number, ID card No., state and permission, and wherein state enters and is defaulted as
Disabled status, number is defaulted as 2 by stages for permission.
Information solicitation is completely errorless, clicks submitting button, and the page returns to secondary white list by stages, clicks search and presses
Button shows newly-increased data.
Resetting: user clicks resetting, and page info all resets to sky.
User inputs information at search condition, clicks search button or enter key scans for, it is right to may search for
The result answered.
User clicks Edit button, page jump to secondary white list-forms pages by stages.
It saves modification: after user modifies to original information, clicking and save, page jump is arranged to secondary white list by stages
Table, data modification success；
Resetting: user clicks resetting, and page info is all reset.
11, trade company's quota control function is assured
User clicks channel management-guarantee trade company quota control of menu area, into guarantee trade company's quota control page.
User inputs search content at conditional search, clicks search button or enter key scans for, may search for
Corresponding result out.
User clicks export button, pops up downloading task pop-up, and user can click downloading guarantee trade company's quota control table
12, customer service audit function
User clicks trade company's management-customer service audit of menu area, audits the page into customer service
1, it selects an order to click details and enters the customer service audit page.
2, scroll bar being navigated into bottommost, it can be seen that the third party that the page is audited in customer service waits msu message module,
This is shown for the results of the knot channel inquiry of reference inquiry.
3, user can judge whether client meets the requirements according to reference query result, if audit passes through or do not pass through.
13, trade company examines (air control audit) function
Channel management-trade company that user clicks menu on the left side region examines (air control audit), audits the page into air control.
User inserts search condition at search condition, and click search button or enter key may search for out corresponding
As a result.
User clicks and empties button, and the data at search condition all empty；When search condition is more, function is emptied
One key, which understands, to be played the role of fast and easily.
14, air control audit function
User selects a trade company, " air control audit " button is clicked, into the reference feedback module page.Reference feedback page
Include:
1, reference is fed back: the reference inquiry of this modules exhibit as a result, trade company triggers inquiry when trade company enters,
In this modules exhibit query result, user can see reference query result in this module, can sentence according to reference query result
Whether the trade company of breaking meets the requirements；
2, merchant information: the information that user can fill in when this module sees that trade company enters, when air control is audited
It waits, these information can further appreciate that trade company.
3, market audit result: this module has recorded that market audit is looked into as a result, air control plays reference role when auditing.
4, corporation information query: this module has recorded corporation information query as a result, being shown as empty if without query result.
5, air control examines the page: air control examines that the page can carry out air control audit.
Operating instruction:
1, please choose whether to pass through: user can be according to the information viewed to determine whether passing through or not by the trade company
Application；
2, please select trade company's quality: user can judge the quality of trade company according to the information recognized, quality grade is divided into,
High-quality, good, general and low four kinds of danger；
3, suggestion feedback: user can fill in oneself audit opinion when audit, play ginseng to the audit of next link
The effect examined；
4, return push-button: user, which clicks, to be returned, and audits the page back to air control, the page not examined air control saves；
5, save button: user clicks save button after air control examines that the page has filled in msu message, and pop-up " saves
Success " prompting frame, determine save operate successfully, point fall prompt, the page rest on air control examine the page, click return again into
After entering, which has data, and previously stored data still remain.After submitting successfully, page jump to air control audits the page, examines
The trade company that core is crossed does not suffer in audit list.
Second embodiment of the invention additionally provides one kind and borrows air control management system by stages more, comprising:
Credit information acquiring unit 10, for obtaining the letter of target object when receiving the request by stages of target object
Use information；Wherein, the credit information includes loan documentation and corresponding refund record of the user in multiple loan platforms；
It is borrow configuration unit 20 more, for obtaining target pair according to preset more loan configuration rules and the credit information
As the risk refund number in predetermined amount of time, to assess the repaying ability grade of the target object；
Assessment unit 30, for the repaying ability grade according to the target object, it is determined whether by the target
The request by stages of object.
Preferably, the credit information acquiring unit 10 that obtains is specifically used for, and configures preset channel, to pass through the institute configured
State the reference information that channel obtains target object.
Preferably, the assessment unit 30 specifically includes:
Record of refunding obtains module, and the refund for obtaining the target object within a predetermined period of time records；Wherein, institute
Stating refund record includes the time of refunding；
Mark module, for when refund the time the neighbouring period in exist simultaneously loan documentation when, by the refund
Recording mark is risk refund；
Evaluation module obtains risk refund number, for adding up to risk refund within a predetermined period of time to comment
Estimate the repaying ability of the target object.
Preferably, the assessment unit 30 specifically includes:
Record of refunding obtains module, and the refund for obtaining the target object within a predetermined period of time records；Wherein, institute
Stating refund record includes refund time and refund number；
Loan documentation enquiry module, for obtaining when existing simultaneously loan documentation within the neighbouring period for refunding the time
Take the loan amount of the loan documentation；
Mark module will be described for when the ratio of the loan amount and the refund number is greater than preset ratio
Refund recording mark is risk refund；
Evaluation module obtains risk refund number, for adding up to risk refund within a predetermined period of time to comment
Estimate the repaying ability grade grade of the target object.
Preferably, further includes:
Variation tendency obtains module, the variation tendency of the ratio for obtaining the loan amount and the refund number；
First correction module, for correcting to reduce the target object when the variation tendency is to become larger
Repaying ability grade；
Second correction module, for correcting to improve the target object when the variation tendency is to gradually become smaller
Repaying ability grade.
It should be noted that the apparatus embodiments described above are merely exemplary, wherein described be used as separation unit
The unit of explanation may or may not be physically separated, and component shown as a unit can be or can also be with
It is not physical unit, it can it is in one place, or may be distributed over multiple network units.It can be according to actual
It needs that some or all of the modules therein is selected to achieve the purpose of the solution of this embodiment.In addition, device provided by the invention
In embodiment attached drawing, the connection relationship between module indicate between them have communication connection, specifically can be implemented as one or
A plurality of communication bus or signal wire.Those of ordinary skill in the art are without creative efforts, it can understand
And implement.
The above is a preferred embodiment of the present invention, it is noted that for those skilled in the art
For, various improvements and modifications may be made without departing from the principle of the present invention, these improvements and modifications are also considered as
Protection scope of the present invention.
Claims (10)
1. a kind of borrow air control management method by stages more characterized by comprising
When receiving the request by stages of target object, the credit information of target object is obtained；Wherein, the credit information includes
Loan documentation and corresponding refund record of the user in multiple loan platforms；
According to preset more loan configuration rules and the credit information, the risk for obtaining target object in predetermined amount of time is refunded
Number, to assess the repaying ability grade of the target object；
According to the repaying ability grade of the target object, it is determined whether pass through the request by stages to the target object.
2. according to claim 1 borrow air control management method by stages more, which is characterized in that the letter for obtaining target object
With information specifically:
Preset air control channel is configured, to obtain the reference information of target object by the air control channel configured.
3. according to claim 1 borrow air control management method by stages more, which is characterized in that described to be matched according to preset borrow more
Rule and the credit information are set, obtains target object in the risk refund number of predetermined amount of time, to assess the target
The repaying ability grade of object specifically includes:
Obtain the refund record of the target object within a predetermined period of time；Wherein, the refund record includes the time of refunding；
When existing simultaneously loan documentation within the neighbouring period for refunding the time, also for risk by the refund recording mark
Money；
It adds up to risk refund within a predetermined period of time, risk refund number is obtained, to assess the target object
Repaying ability grade.
4. according to claim 1 borrow air control management method by stages more, which is characterized in that described to be matched according to preset borrow more
Rule and the credit information are set, obtains target object in the risk refund number of predetermined amount of time, to assess the target
The repaying ability grade of object specifically includes:
Obtain the refund record of the target object within a predetermined period of time；Wherein, refund record include refund the time with
And refund number；
When existing simultaneously loan documentation within the neighbouring period for refunding the time, the loan amount of the loan documentation is obtained；
It is risk by the refund recording mark when the ratio of the loan amount and the refund number is greater than preset ratio
It refunds；
It adds up to risk refund within a predetermined period of time, risk refund number is obtained, to assess the target object
Repaying ability grade grade.
5. according to claim 4 borrow air control management method by stages more, which is characterized in that further include:
The ratio for obtaining the loan amount and the refund number changes with time trend；
When the variation tendency is to become larger, the repaying ability grade of the target object is reduced；
When the variation tendency is to gradually become smaller, the repaying ability grade of the target object is improved.
6. according to claim 5 borrow air control management method by stages more, which is characterized in that further include:
Calculate the slope of the variation tendency；
The variable quantity of repaying ability grade is determined according to the slope；Wherein, when the absolute value of slope is bigger, variable quantity is bigger；
And
The repaying ability grade of the target object is reduced or improved according to the variable quantity.
7. a kind of borrow air control management system by stages more characterized by comprising
Credit information acquiring unit, for obtaining the credit information of target object when receiving the request by stages of target object；
Wherein, the credit information includes loan documentation and corresponding refund record of the user in multiple loan platforms；
It is borrow configuration unit more, for obtaining target object pre- according to preset more loan configuration rules and the credit information
The risk refund number for section of fixing time, to assess the repaying ability grade of the target object；
Assessment unit, for the repaying ability grade according to the target object, it is determined whether by the target object
It requests by stages.
8. according to claim 6 borrow air control management system by stages more, which is characterized in that the credit information that obtains obtains list
Member is specifically used for, and configures preset air control channel, to obtain the reference information of target object by the air control channel configured.
9. according to claim 7 borrow air control management system by stages more, which is characterized in that the assessment unit is specifically wrapped
It includes:
Record of refunding obtains module, and the refund for obtaining the target object within a predetermined period of time records；Wherein, described to go back
Money record includes the time of refunding；
Mark module, for when existing simultaneously loan documentation within the neighbouring period for refunding the time, the refund to be recorded
It refunds labeled as risk；
Evaluation module obtains risk refund number, for adding up to risk refund within a predetermined period of time to assess
State the repaying ability of target object.
10. according to claim 6 borrow air control management method by stages more, which is characterized in that the assessment unit is specifically wrapped
It includes:
Record of refunding obtains module, and the refund for obtaining the target object within a predetermined period of time records；Wherein, described to go back
Money record includes refund time and refund number；
Loan documentation enquiry module, for obtaining institute when existing simultaneously loan documentation within the neighbouring period for refunding the time
State the loan amount of loan documentation；
Mark module, for when the ratio of the loan amount and the refund number be greater than preset ratio when, by the refund
Recording mark is risk refund；
Evaluation module obtains risk refund number, for adding up to risk refund within a predetermined period of time to assess
State the repaying ability grade grade of target object.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201811436612.XA CN109658224A (en) | 2018-11-28 | 2018-11-28 | It is a kind of to borrow air control management method and system by stages more |
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| Application Number | Priority Date | Filing Date | Title |
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| CN201811436612.XA CN109658224A (en) | 2018-11-28 | 2018-11-28 | It is a kind of to borrow air control management method and system by stages more |
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| CN201811436612.XA Pending CN109658224A (en) | 2018-11-28 | 2018-11-28 | It is a kind of to borrow air control management method and system by stages more |
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| CN111667362A (en) * | 2020-06-23 | 2020-09-15 | 上海印闪网络科技有限公司 | Customized loan renewal method |
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Application publication date: 20190419 |