CN109727119A - A kind of refund strategy-generating method and device - Google Patents
A kind of refund strategy-generating method and device Download PDFInfo
- Publication number
- CN109727119A CN109727119A CN201811412628.7A CN201811412628A CN109727119A CN 109727119 A CN109727119 A CN 109727119A CN 201811412628 A CN201811412628 A CN 201811412628A CN 109727119 A CN109727119 A CN 109727119A
- Authority
- CN
- China
- Prior art keywords
- section
- payment period
- capital
- coefficient
- rate
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Withdrawn
Links
Abstract
The embodiment of the invention discloses a kind of refund strategy-generating method and devices, this method comprises: equipment obtains the capital coefficient and formality rate of each section in N number of section, wherein the payment period of the n-th section is before the payment period of the (n-1)th section, and n-th section capital coefficient and the sum of formality rate be greater than the sum of capital coefficient and formality rate of the (n-1)th section, then after the loan principal that equipment obtains input, the repayment amount of each payment period of the loan principal in the first section is calculated according to the capital coefficient of the first section and formality rate, wherein the first section is any one section in N number of section；Using the embodiment of the present application, the refund pressure of user can be alleviated to greatest extent.
Description
Technical field
The present invention relates to field of computer technology more particularly to a kind of refund strategy-generating methods and device.
Background technique
Loan product is the commodity for being able to satisfy people's Loan Demand that bank finance mechanism is provided to market, and mode of repayment is
One of basic service demand of loan product, on the market it is most of calculate repayment amounts modes include:
(1) equal principal: it is most widely used in business loans application, in short, in the repayment schedule of borrower
Answer amount to pay all identical each issue.Totally branch bears interest more, and interest total expenditure is almost highest in all modes of repayment.
(2) equal capital: the frequency used is only second to equal principal algorithm, should refund for each issue in the repayment schedule of borrower
In by phase decline trend, but the metallographic etc. that should repay principal for each issue, calculation is complex.
Both above mode of repayment is mainly interpreted as what starting point was configured from the loan scheme user that is easy to be provided a loan, when
When Loan Service Personnel explains products characteristics to loan user, regardless of loan user is in what age bracket, in what text
Change level, can understand that the sum of principal and interest that equal principal refers to that each payment period is repaid are identical quickly, equal
Gold refers to that the identical interest of capital that each payment period is repaid is different.Therefore both loan products have this non-in real life
Often it is widely applied.However, whether loan user not only takes notice of loan product it can be readily appreciated that more during actually loan
Take notice of how the mode of repayment after loan reduces refund pressure to greatest extent.How mode of repayment is configured with maximum limit
Refund pressure after the reduction debt-credit of degree is the technical issues of those skilled in the art is studying.
Summary of the invention
The embodiment of the invention discloses a kind of refund strategy-generating method and devices, can alleviate user in early period of refunding
Refund pressure meets the refund demand of certain customers.
In a first aspect, the embodiment of the invention provides a kind of refund strategy-generating methods, this method comprises:
Equipment obtains the capital coefficient and formality rate for each section in N number of section of input, in N number of section
Each section includes at least one payment period, and the capital coefficient is the loan principal of required payment in each payment period
Ratio, the formality rate are used to calculate the expense in addition to capital of required repayment in each payment period, wherein the N
The payment period of the n-th section is before the payment period of the (n-1)th section in a section, the capital coefficient and hand of n-th section
The sum of renewal rate is greater than the sum of capital coefficient and formality rate of (n-1)th section, and 1 < n≤N, n are integer, and N is greater than 1
Integer；
The equipment obtains the loan principal of input；
The equipment calculates the loan principal in firstth area according to the capital coefficient and formality rate of the first section
The repayment amount of each payment period in section, wherein first section is any one section in N number of section.
In the above-mentioned methods, equipment first obtains the capital coefficient and hand for each section in N number of section of user configuration
Renewal rate, in configuration process the sum of the capital coefficient of previous section and formality rate be less than the latter section capital coefficient and
The sum of formality rate after then obtaining the loan principal that user inputs, calculates each refund week of the loan principal in N number of section
The repayment amount of phase；As can be seen that the sum of the capital coefficient of previous section and formality rate are less than the capital of the latter section
The sum of coefficient and formality rate, in other words repayment amount is lower than the latter section in previous section, and this refund strategy is slow
User has been solved in the refund pressure of early period, has met the refund demand of most of user.
Based in a first aspect, the equipment acquisition input is directed to N number of section in a kind of wherein optional implementation
In each section capital coefficient and formality rate before, further includes:
The equipment obtains the numerical value of N of input, and the numerical value of N of input total issue that indicates to refund loan principal is divided into
N number of section.
Based in a first aspect, each section includes at least in N number of section in a kind of wherein optional implementation
One payment period, wherein the payment period total length of first section is at least three months.
This implementation ensure that user has the more sufficient time in refund stage early period, and early period has been effectively relieved also
The pressure of money.
Based in a first aspect, in a kind of wherein optional implementation, the equipment is according to the sheet of first section
Golden coefficient and formality rate calculate the tool of the repayment amount of each payment period of the loan principal in first section
Body calculation formula are as follows:
D=x* (a+b), wherein D is the repayment amount of each payment period in the first section, and x is loan principal, and a is
The capital coefficient of first section, b are the formality rate of first section, and ∑ (an* i)=1, anFor N number of section
In the n-th section capital coefficient, i be n-th section in payment period number.
This implementation avoids the calculation formula of complicated profundity, no matter completes to calculate using simple calculations symbol
Cost is all substantially reduced from artificial investment or from system investment.
Based in a first aspect, in a kind of wherein optional implementation, the equipment is according to the sheet of first section
Golden coefficient and formality rate calculate the loan principal after the repayment amount of each payment period in first section,
Further include:
The equipment exports the repayment amount of each payment period in N number of section in each section.
Second aspect, the embodiment of the invention provides a kind of refund strategy generating devices, comprising:
First acquisition unit obtains the capital coefficient and formality rate for each section in N number of section of input, described
Each section includes at least one payment period in N number of section, and the capital coefficient is required payment in each payment period
The ratio of loan principal, the formality rate are used to calculate the expense in addition to capital of required repayment in each payment period,
Wherein, the payment period of the n-th section is before the payment period of the (n-1)th section in N number of section, the sheet of n-th section
The sum of golden coefficient and formality rate are greater than the sum of capital coefficient and formality rate of (n-1)th section, and 1 < n≤N, n are integer,
N is the integer greater than 1；
Second acquisition unit, for obtaining the loan principal of input；
Computing unit, for calculating the loan principal described the according to the capital coefficient and formality rate of the first section
The repayment amount of each payment period in one section, wherein first section is any one area in N number of section
Section.
Based on second aspect, in a kind of wherein optional implementation, the first acquisition unit is also used to obtaining
Before the capital coefficient and formality rate for each section in N number of section of input, the numerical value of N of input, the institute of input are obtained
Stating numerical value of N indicates loan principal total issue of refunding being divided into N number of section.
Based on second aspect, in a kind of wherein optional implementation, each section includes at least in N number of section
One payment period, wherein the payment period total length of first section is at least three months.
Based on second aspect, in a kind of wherein optional implementation, the computing unit
The loan principal is calculated in first section according to the capital coefficient of first section and formality rate
Each payment period repayment amount specific formula for calculation be D=x* (a+b), wherein D be the first section in it is each also
The repayment amount in money period, x are loan principal, and a is the capital coefficient of first section, and b is the formality of first section
Rate, and ∑ (an* i)=1, anFor the capital coefficient of the n-th section in N number of section, i is the refund week in n-th section
Issue mesh.
Based on second aspect, in a kind of wherein optional implementation, described device further include: output unit is used for
The loan principal is calculated described first according to the capital coefficient and formality rate of first section in the computing unit
After the repayment amount of each payment period in section, each payment period in N number of section in each section is exported
Repayment amount.
It should be noted that the implementation of second aspect and corresponding beneficial effect are referred to first aspect and phase
The description in implementation is answered, details are not described herein again.
Detailed description of the invention
In order to more clearly explain the embodiment of the invention or the technical proposal in the existing technology, the present invention will be implemented below
Attached drawing needed in example or background technique is briefly described.
Fig. 1 is a kind of system architecture schematic diagram of refund strategy-generating method provided in an embodiment of the present invention；
Fig. 2 is a kind of flow diagram of refund strategy-generating method provided in an embodiment of the present invention；
Fig. 3 is a kind of configuration page schematic diagram of refund strategy-generating method provided in an embodiment of the present invention；
Fig. 4 is a kind of output result schematic diagram of refund strategy-generating method provided in an embodiment of the present invention；
Fig. 5 is a kind of structural schematic diagram of refund strategy generating device provided in an embodiment of the present invention；
Fig. 6 is a kind of structural schematic diagram of refund strategy generating equipment provided in an embodiment of the present invention.
Specific embodiment
It is described below in conjunction with attached drawing technical solution in the embodiment of the present invention.
Term " first ", " second ", " third " and " the 4th " in the description and claims of this application and attached drawing
Etc. being not use to describe a particular order for distinguishing different objects.In addition, term " includes " and " having " and they appoint
What is deformed, it is intended that is covered and non-exclusive is included.Such as contain the process, method, system, production of a series of steps or units
Product or equipment are not limited to listed step or unit, but optionally further comprising the step of not listing or unit, or
Optionally further comprising the other step or units intrinsic for these process, methods, product or equipment.
It should be appreciated that the term "and/or" used in description of the invention and the appended claims refer to it is associated
Any combination and all possible combinations of one or more of the item listed, and including these combinations.
A kind of refund strategy-generating method and refund strategy generating dress that embodiment provides in order to better understand the present invention
It sets, first the system architecture of the refund strategy-generating method of the embodiment of the present invention is described below, this system architecture is at least
There are the following two kinds situations:
Situation one, this equipment can be a server in cloud, this server constitutes one with local terminal and is
System, refering to fig. 1, Fig. 1 are the system architecture schematic diagrams for the operation indicating method that this programme embodiment provides.As shown in Figure 1, system
Framework may include one or more servers (multiple servers may be constructed a server cluster), and one or more
Terminal (or equipment), server can first obtain the capital coefficient and formality rate for each section in N number of section of input,
The loan principal that user inputs at the terminal is obtained again, and server is calculated according to the capital coefficient and formality rate of the first section and borrowed
The repayment amount of each payment period of the money capital in the first section, in which:
Server can include but is not limited to background server, component server, data processing server etc., and server can
To be communicated by internet with multiple terminals.Server provides operation indicating service for terminal.It needs to run on server
There is corresponding server to provide corresponding operation prompt service, such as database service, data calculate, decision executes
Deng.
Terminal can be installed and run relevant application.It is corresponding with server using referring to, local clothes are provided for client
The program of business.Here, which may include but be not limited to: sending information (such as refund parameter information) to server and connects
Receive information (such as refund parameter information) and the shared information etc. that server is sent.Terminal in this programme embodiment can be with
Including but not limited to any electronic product based on intelligent operating system can pass through keyboard, dummy keyboard, touching with user
The input equipments such as template, touch screen and voice-operated device carry out human-computer interaction, such as smart phone, tablet computer, personal electricity
Brain etc..Wherein, intelligent operating system includes but is not limited to any by setting to the various mobile applications of mobile device offer come abundant
The operating system of standby function, Android (AndroidTM), iOSTM, Windows PhoneTM etc..
Situation two, this equipment can be installed for a local terminal, terminal and run relevant application.We
Terminal in case embodiment can include but is not limited to any electronic product based on intelligent operating system, can be with user
Human-computer interaction is carried out by input equipments such as keyboard, dummy keyboard, touch tablet, touch screen and voice-operated devices, such as intelligently
Mobile phone, tablet computer, PC etc..Wherein, intelligent operating system includes but is not limited to any by providing to mobile device
Various mobile applications enrich the operating system of functions of the equipments, such as Android (AndroidTM), iOSTM, Windows
PhoneTM etc..
A kind of refund strategy-generating method based on above system framework is provided below, the realization of this method depends on
JAVA development language, html language, JS language, database application, refer to Fig. 2, and Fig. 2 is one kind provided in an embodiment of the present invention
The flow diagram of refund strategy-generating method, this method include but is not limited to following steps:
Step S201: equipment obtains the capital coefficient and formality rate for each section in N number of section of input.
Specifically, user inputs the capital coefficient and formality rate of each section in N number of section on the configuration page, N number of
Each section includes at least one payment period in section, which is the loan sheet of required payment in each payment period
The ratio of gold, the formality rate are used to calculate the expense in addition to capital of required repayment in each payment period, in other words
Formality rate may include one or more charge item, wherein the payment period of the n-th section is in the (n-1)th section in N number of section
Payment period before, the sum of the capital coefficient of the n-th section and formality rate be greater than the (n-1)th section capital coefficient and service charge
The sum of rate, 1 < n≤N, n are integer, and N is the integer greater than 1.Wherein, what two kinds of acquisitions of the embodiment of the present application offer inputted is directed to N
The mode of the capital coefficient of each section and formality rate in a section: being directed to situation one, and user enters on local terminal and matches
After setting the page, local terminal obtains user by inputs such as keyboard, mouse, touch screens for each section in N number of section
Then capital coefficient and formality rate are sent in the equipment (i.e. server) by wired or wireless mode；For situation
Two, after user enters configuration page face on equipment (i.e. local terminal), equipment directly acquires user and passes through keyboard, mouse, touching
Touch the capital coefficient and formality rate for each section in N number of section of the inputs such as screen.
In a wherein embodiment, user inputs the numerical value of segmented mode N, the numerical value of N of input on the configuration page
Total issue that indicates to refund loan principal is divided into N number of section, and after equipment obtains the numerical value of N of input, user is on the configuration page
Input the capital coefficient and formality rate of each section in N number of section.
For example, for when N=3, Fig. 3 shows the schematic diagram of a scenario of the configuration page, wherein the ginseng needed to configure
Number has segmented mode, loan issue, segmentation issue 1, segmentation issue 2, capital ratio 1, moon financial management rate 1, moon client clothes
Be engaged in rate 1, capital ratio 2, moon financial management rate 2, moon customer service rate 2, capital ratio 3, moon financial management rate 3,
Moon customer service rate 3, wherein segmented mode is 3 sections, then is segmented issue 3=loan issue-segmentation issue 1- segmentation issue 2,
Capital ratio is the capital coefficient in the embodiment of the present application, and moon financial management rate and moon customer service rate are the application
Formality rate in embodiment, wherein 1 these three numerical value of capital ratio 1, moon financial management rate 1 and moon customer service rate
Summation be less than 2 these three numerical value of capital ratio 2, moon financial management rate 2 and moon customer service rate summation, and this
Golden ratio 1* segmentation issue 1+ capital ratio 2* segmentation issue 2+ capital ratio 3* is segmented issue 3=1, and business personnel's entrance should be also
After the money arrangements page, above-mentioned parameter is configured as desired, equipment obtains these parameters configured.
In a wherein embodiment, user inputs the capital coefficient of each section in N number of section on the configuration page
With formality rate, each section includes at least one payment period in N number of section, wherein the payment period overall length of first section
Degree is at least three months, if in other words a payment period length is one month, the segmentation issue of first section is at least
For 3 phases, and the sum of the capital coefficient of first section and formality rate are the smallest in N number of section；Wherein, three months this when
Intermediate node is that the feelings for applying more often to occur being difficult to refund in the first trimester after debt-credit in user are obtained by big data analysis
Condition, therefore the payment period total length by limiting first section is at least trimestral mode, ensure that user in early period
There is the more sufficient time in the repayment amount minimum stage, and the pressure of refund early period has been effectively relieved.
Step S202: equipment obtains the loan principal of input.
Specifically, the embodiment of the present application provides two kinds of modes for obtaining the loan principal of input: being directed to situation one, Yong Hu
Required loan principal is inputted in terminal, then the terminal is sent to equipment (i.e. server) by wired or wireless mode
On, then the equipment gets loan principal；For situation two, equipment (i.e. local terminal) directly passes through keyboard, mouse, touch screen
Deng the loan principal for obtaining user's input.
Step S203: equipment calculates loan principal in the first section according to the capital coefficient and formality rate of the first section
Each payment period repayment amount.
Specifically, after equipment gets the loan principal of input, according to the capital coefficient of the first section and formality rate meter
Calculate the repayment amount of each payment period of the loan principal in the first section, wherein specific calculation formula can be D=x*
(a+b), wherein D is the repayment amount of each payment period in the first section, and x is loan principal, and a is the sheet of the first section
Golden coefficient, b are the formality rate of the first section, and ∑ (an* i)=1, anFor the capital coefficient of the n-th section in N number of section, i is
Payment period number in n-th section；Wherein the first section is any one section in N number of section, and in other words, this is N number of
Each section all has feature identical with first section in section.
In a kind of wherein embodiment, equipment calculates loan principal according to the capital coefficient and formality rate of the first section
After the repayment amount of each payment period in the first section, each payment period in N number of section in each section is exported
Repayment amount.Wherein, the embodiment of the present application provides going back for each payment period in two kinds of N number of sections of output in each section
The mode of the money amount of money: being directed to situation one, and equipment (i.e. server) calculates each payment period of the loan principal in the first section
Repayment amount after, send terminal for the repayment amount of each payment period of the loan principal in the first section；For feelings
Condition two will be borrowed after equipment (i.e. local terminal) calculates the repayment amount of each payment period of the loan principal in the first section
The repayment amount of each payment period of the money capital in the first section is directly output to the display equipment connecting with terminal.
For example, as illustrated in FIG. 4 is each refund in each section that equipment exports on the basis of Fig. 3
The repayment amount in period, segmented mode are 3 sections, and the segmentation issue 1 of first section is 6 phases, the segmentation issue 2 of second section
For 4 phases, the segmentation issue 3 of third section was 5 phases, was calculated according to calculation formula D=x* (a+b) each in first section
The repayment amount of payment period, wherein D is the repayment amount of each payment period in first section, and x is loan principal, a
For the capital ratio of first section, b is the sum of moon financial management rate and moon customer service rate of first section；Similarly
The repayment amount that second section, each payment period in third section can be obtained, is calculated each in first section
The repayment amount of a payment period is 196 yuan, and the repayment amount of each payment period in second section is 220 yuan, third
The repayment amount of each payment period in a section is 248 yuan, realizes repayment amount early period lower than later period repayment amount
Effect, exports the repayment amount of each payment period in calculated N number of section in each section to the terminal of user,
The middle way of output can be after user's input is for the instruction for obtaining repayment amount, and equipment exports corresponding repayment amount,
It can be equipment and directly export repayment amount.
In the method depicted in fig. 1, equipment first obtains the capital system for each section in N number of section of user configuration
Several and formality rate, the sum of the capital coefficient of previous section and formality rate are less than the capital of the latter section in configuration process
After then obtaining the loan principal that user inputs, it is each in N number of section to calculate loan principal for the sum of coefficient and formality rate
The repayment amount of payment period；As can be seen that the sum of the capital coefficient of previous section and formality rate are less than the latter section
Capital coefficient and the sum of formality rate, in other words repayment amount is lower than the latter section in previous section, this refund
Strategy alleviates user in the refund pressure of early period, meets the refund demand of most of user.
It is above-mentioned to illustrate the method for the embodiment of the present invention, for the ease of better implementing the above-mentioned of the embodiment of the present invention
Correspondingly the device of the embodiment of the present invention is provided below in scheme.
Fig. 5 is referred to, Fig. 5 is the structural schematic diagram of refund strategy generating device provided in an embodiment of the present invention, refund plan
Slightly generating means 50 may include: first acquisition unit 501, second acquisition unit 502, computing unit 503, wherein
First acquisition unit 501 is used to obtain the capital coefficient and service charge for each section in N number of section of input
Rate, each section includes at least one payment period in N number of section, and capital coefficient is the loan of required payment in each payment period
The ratio of money capital, formality rate are used to calculate the expense in addition to capital of required repayment in each payment period, wherein N
The payment period of the n-th section is before the payment period of the (n-1)th section in a section, the capital coefficient and service charge of the n-th section
The sum of rate is greater than the sum of capital coefficient and formality rate of the (n-1)th section, and 1 < n≤N, n are integer, and N is the integer greater than 1；
Second acquisition unit 502, for obtaining the loan principal of input；
Computing unit 503, for calculating loan principal in the firstth area according to the capital coefficient and formality rate of the first section
The repayment amount of each payment period in section, wherein the first section is any one section in N number of section.
In a kind of wherein embodiment, first acquisition unit is also used in equipment acquisition input in N number of section
Before the capital coefficient and formality rate of each section, the numerical value of N of input is obtained, the numerical value of N of input is indicated loan principal also
The total issue of money is divided into N number of section.
In a kind of wherein embodiment, each section includes at least one payment period in N number of section, wherein first
The payment period total length of section is at least three months.
In a kind of wherein embodiment, loan principal is calculated the according to the capital coefficient of the first section and formality rate
The repayment amount of each payment period in one section, specific formula for calculation are D=x* (a+b), wherein D is in the first section
Each payment period repayment amount, x is loan principal, and a is the capital coefficient of the first section, and b is the formality of the first section
Rate, and ∑ (an* i)=1, anFor the capital coefficient of the n-th section, i is the payment period number in the n-th section.
In a kind of wherein embodiment, the device further include: output unit 504, for exporting each area in N number of section
The repayment amount of each payment period in section.
It should be noted that in the embodiment of the present invention in device described in Fig. 5 the function of each functional unit and beneficial to effect
Fruit can be found in the associated description of step S201- step S203 in embodiment of the method described in above-mentioned Fig. 2, and details are not described herein again.
According to apparatus above figure, referring to FIG. 6, Fig. 6 is a kind of entity device knot of simplification provided in an embodiment of the present invention
Structure schematic diagram.It is convenient to be easy to understand and illustrate, and may include following one or more groups in Fig. 6 refund strategy generating equipment 60
Part: memory 601, processor 602, communication equipment 603 and input-output apparatus 604.
Memory 601 may include one or more storage units, and each unit may include one or more memories,
Memory can be used for storing program and various data, and can in 60 operational process high speed of refund strategy generating equipment, automatically
Complete the access of program or data.When refund strategy generating equipment 60 shown in fig. 6 executes Fig. 2 the method, memory can
To be used to store supplemental characteristic, calculation formula and other related datas etc..
Communication equipment 603 is referred to as transceiver or transceiver etc., wherein may include wireless, wired for carrying out
Or the unit of other communication modes.Optionally, it is single that the device in 603 parts for realizing receive capabilities can be considered as to reception
Member will be considered as transmission unit for realizing the device of sending function, i.e. 603 parts include receiving unit and transmission unit.
Input-output apparatus 604 can provide interface between 60 Peripheral component interface of operation indicating equipment, above-mentioned outer
Enclosing component can be keyboard, mouse, display, button, similar installation etc..These buttons may include, but are not limited to: on/off
Button, locking press button and reset button etc..In the embodiment of the present application, user can input N by input-output apparatus 604
The related datas such as the capital coefficient of each section and formality rate, loan principal and numerical value of N, export N number of section in a section
In the related datas such as the repayment amount of each payment period in each section.
Processor 602, processor are referred to as processing unit, handle veneer, processing module, processing unit etc..Processing
Device can be central processing unit (central processing unit, CPU), network processing unit (network processor,
) or the combination of CPU and NP NP.When refund strategy generating equipment 60 shown in fig. 6 executes Fig. 2 the method, the processing
Device 602 calls the data of the memory 601, executes following steps:
The capital coefficient and formality rate for each section in N number of section of input are obtained by input equipment 604；
The loan principal of input is obtained by input equipment 604；
Each refund week of the loan principal in the first section is calculated according to the capital coefficient of the first section and formality rate
The repayment amount of phase.
It should be noted that in refund strategy generating equipment 60 in the embodiment of the present application processor 602 execution step
It can refer to the specific implementation in above-mentioned each method embodiment in Fig. 2 embodiment, which is not described herein again.
Those of ordinary skill in the art will appreciate that realizing all or part of the process in above-described embodiment method, being can be with
Relevant hardware is instructed to complete by computer program, the program can be stored in a computer-readable storage medium
In, the program is when being executed, it may include such as the process of the embodiment of above-mentioned each method.Wherein, the storage medium can be magnetic
Dish, CD, read-only memory (Read-Only Memory, ROM) or random access memory (Random Access
Memory, RAM) etc..
In this application, the unit as illustrated by the separation member may or may not be physically separate
, component shown as a unit may or may not be physical unit, it can and it is in one place, or can also
To be distributed over a plurality of network elements.Some or all of unit therein can be selected to realize this hair according to the actual needs
The purpose of bright example scheme.
It, can also be in addition, the functional units in various embodiments of the present invention may be integrated into one processing unit
It is that each unit physically exists alone, is also possible to two or more units and is integrated in one unit.It is above-mentioned integrated
Unit both can take the form of hardware realization, can also realize in the form of software functional units.
If the integrated unit is realized in the form of SFU software functional unit and sells or use as independent product
When, it can store in a computer readable storage medium.Based on this understanding, technical solution of the present invention is substantially
The all or part of the part that contributes to existing technology or the technical solution can be in the form of software products in other words
It embodies, which is stored in a storage medium, including some instructions are used so that a computer
Equipment (can be personal computer, server or the network equipment etc.) executes the complete of each embodiment the method for the present invention
Portion or part steps.
The above description is merely a specific embodiment, but scope of protection of the present invention is not limited thereto, any
Those familiar with the art in the technical scope disclosed by the present invention, can readily occur in various equivalent modifications or replace
It changes, these modifications or substitutions should be covered by the protection scope of the present invention.Therefore, protection scope of the present invention should be with right
It is required that protection scope subject to.
It should be understood that magnitude of the sequence numbers of the above procedures are not meant to execute suitable in the various embodiments of the application
Sequence it is successive, the execution of each process sequence should be determined by its function and internal logic, the implementation without coping with the embodiment of the present invention
Process constitutes any restriction.Although the application is described in conjunction with each embodiment herein, however, being protected required by embodiment
During the application of shield, those skilled in the art are appreciated that and realize other variations of open embodiment.
Claims (10)
1. a kind of refund strategy-generating method characterized by comprising
Equipment obtains the capital coefficient and formality rate for each section in N number of section of input, each in N number of section
Section includes at least one payment period, and the capital coefficient is the ratio of the loan principal of required payment in each payment period
Example, the formality rate are used to calculate the expense in addition to capital of required repayment in each payment period, wherein described N number of
The payment period of the n-th section is before the payment period of the (n-1)th section in section, the capital coefficient of n-th section and formality
The sum of rate is greater than the sum of capital coefficient and formality rate of (n-1)th section, and 1 < n≤N, n are integer, and N is whole greater than 1
Number；
The equipment obtains the loan principal of input；
The equipment calculates the loan principal in first section according to the capital coefficient and formality rate of the first section
Each payment period repayment amount, wherein first section be N number of section in any one section.
2. the method according to claim 1, wherein the equipment obtains being directed in N number of section each for input
Before the capital coefficient and formality rate of section, further includes:
The equipment obtains the numerical value of N of input, the numerical value of N of input indicate to refund loan principal total issue be divided into it is N number of
Section.
3. the method according to claim 1, wherein each section includes that at least one is gone back in N number of section
The money period, wherein the payment period total length of first section is at least three months.
4. method according to claim 1-3, which is characterized in that the equipment is according to the sheet of first section
Golden coefficient and formality rate calculate the tool of the repayment amount of each payment period of the loan principal in first section
Body calculation formula are as follows:
D=x* (a+b), wherein D is the repayment amount of each payment period in the first section, and x is loan principal, and a is described
The capital coefficient of first section, b are the formality rate of first section, and ∑ (an* i)=1, anIt is in N number of section
The capital coefficient of n section, i are the payment period number in n-th section.
5. method according to claim 1-3, which is characterized in that the equipment is according to the sheet of first section
Golden coefficient and formality rate calculate the loan principal after the repayment amount of each payment period in first section,
Further include:
The equipment exports the repayment amount of each payment period in N number of section in each section.
6. a kind of refund strategy generating device characterized by comprising
First acquisition unit obtains the capital coefficient and formality rate for each section in N number of section of input, described N number of
Each section includes at least one payment period in section, and the capital coefficient is the loan of required payment in each payment period
The ratio of capital, the formality rate are used to calculate the expense in addition to capital of required repayment in each payment period, wherein
The payment period of the n-th section is before the payment period of the (n-1)th section in N number of section, the capital coefficient of n-th section
It is greater than the sum of capital coefficient and formality rate of (n-1)th section with the sum of formality rate, 1 < n≤N, n are integer, and N is big
In 1 integer；
Second acquisition unit, for obtaining the loan principal of input；
Computing unit, for calculating the loan principal in firstth area according to the capital coefficient and formality rate of the first section
The repayment amount of each payment period in section, wherein first section is any one section in N number of section.
7. device according to claim 6, which is characterized in that the first acquisition unit is also used to obtaining input
Before capital coefficient and formality rate for each section in N number of section, the numerical value of N of input, the numerical value of N of input are obtained
It indicates loan principal total issue of refunding being divided into N number of section.
8. device according to claim 6, which is characterized in that each section includes that at least one is gone back in N number of section
The money period, wherein the payment period total length of first section is at least three months.
9. according to the described in any item devices of claim 6-8, which is characterized in that the computing unit
It is each in first section that the loan principal is calculated according to the capital coefficient of first section and formality rate
The specific formula for calculation of the repayment amount of a payment period is D=x* (a+b), wherein D is each refund week in the first section
The repayment amount of phase, x are loan principal, and a is the capital coefficient of first section, and b is the formality rate of first section,
And ∑ (an* i)=1, anFor the capital coefficient of the n-th section in N number of section, i is the payment period number in n-th section
Mesh.
10. according to the described in any item devices of claim 6-8, which is characterized in that described device further include:
Output unit, for calculating the loan according to the capital coefficient and formality rate of first section in the computing unit
Money capital exports each section in N number of section after the repayment amount of each payment period in first section
The repayment amount of interior each payment period.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201811412628.7A CN109727119A (en) | 2018-11-22 | 2018-11-22 | A kind of refund strategy-generating method and device |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201811412628.7A CN109727119A (en) | 2018-11-22 | 2018-11-22 | A kind of refund strategy-generating method and device |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN109727119A true CN109727119A (en) | 2019-05-07 |
Family
ID=66295085
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201811412628.7A Withdrawn CN109727119A (en) | 2018-11-22 | 2018-11-22 | A kind of refund strategy-generating method and device |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN109727119A (en) |
Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN111967869A (en) * | 2020-06-15 | 2020-11-20 | 中国建设银行股份有限公司 | Method and system for payment by credit card in installments |
| CN114971893A (en) * | 2022-07-28 | 2022-08-30 | 成都运荔枝科技有限公司 | Loan deduction mode flexible configuration method and system |
-
2018
- 2018-11-22 CN CN201811412628.7A patent/CN109727119A/en not_active Withdrawn
Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN111967869A (en) * | 2020-06-15 | 2020-11-20 | 中国建设银行股份有限公司 | Method and system for payment by credit card in installments |
| CN114971893A (en) * | 2022-07-28 | 2022-08-30 | 成都运荔枝科技有限公司 | Loan deduction mode flexible configuration method and system |
| CN114971893B (en) * | 2022-07-28 | 2022-10-25 | 成都运荔枝科技有限公司 | Loan deduction mode flexible configuration method and system |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| Qiao et al. | Time-frequency co-movement of cryptocurrency return and volatility: evidence from wavelet coherence analysis | |
| CN110909984B (en) | Business data processing model training method, business data processing method and device | |
| Bai et al. | Testing panel cointegration with unobservable dynamic common factors that are correlated with the regressors | |
| TW202008251A (en) | Payment instrument recommendation method and apparatus, device, and computer readable storage medium | |
| CN108573358A (en) | A kind of overdue prediction model generation method and terminal device | |
| CN110059267A (en) | Methods of exhibiting, device, computer equipment and the storage medium of data analysis result | |
| US8521542B1 (en) | Systems and methods for classifying account data using artificial neural networks | |
| CN109903152A (en) | Default loss analysis method, device and computer readable storage medium | |
| CN109727119A (en) | A kind of refund strategy-generating method and device | |
| CN106910129A (en) | The processing method of asset data, client and server | |
| CN109522919A (en) | A kind of data assessment method and device | |
| CN108399566A (en) | A kind of data processing method and terminal | |
| CN109636617A (en) | The tune storehouse method and device of fund combination product | |
| CN107957945A (en) | Monetary fund system automatic performance test method, device, equipment and storage medium | |
| CN112927064A (en) | Deferred payment data processing method and device, electronic equipment and storage medium | |
| CN107589965A (en) | A kind of software development methodology and device | |
| CN111144627A (en) | User overdue payment prediction method and device and electronic equipment | |
| CN111612616A (en) | Block chain account evaluation method and device, terminal device and computer readable medium | |
| CN110060149A (en) | Risk management and control method and system after a kind of loan | |
| CN110110295A (en) | Large sample grinds report information extracting method, device, equipment and storage medium | |
| Pericoli et al. | Nearly Exact Bayesian Estimation of Non-linear No-Arbitrage Term-Structure Models | |
| CN109993411A (en) | It is sold bad probability method of adjustment, device and the storage medium of class assets | |
| Dickhaus et al. | Simultaneous statistical inference in dynamic factor models: Chi-square approximation and model-based bootstrap | |
| CN107679731A (en) | The computational methods and relevant device of a kind of confidence level | |
| CN117290683A (en) | Data generation method and device, storage medium and electronic equipment |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| PB01 | Publication | ||
| PB01 | Publication | ||
| SE01 | Entry into force of request for substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| WW01 | Invention patent application withdrawn after publication | ||
| WW01 | Invention patent application withdrawn after publication |
Application publication date: 20190507 |