CN109785109A - A kind of default interest determines method and relevant device - Google Patents
A kind of default interest determines method and relevant device Download PDFInfo
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- CN109785109A CN109785109A CN201811527501.XA CN201811527501A CN109785109A CN 109785109 A CN109785109 A CN 109785109A CN 201811527501 A CN201811527501 A CN 201811527501A CN 109785109 A CN109785109 A CN 109785109A
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Abstract
This application discloses a kind of default interest to determine method and relevant device, is applied to server, comprising: receives the corresponding bank side default interest of client that customer side mobile terminal is sent and determines that parameter and customer side default interest determine parameter, stores into database；Call parameters acquisition module obtains bank side default interest from the database and determines that parameter and the customer side default interest determine parameter；It calls default interest computing module to determine that parameter determines bank's side default interest based on bank side default interest, and determines that parameter determines customer side default interest based on the customer side default interest；The default interest computing module is called to determine third party's default interest based on bank side default interest and the customer side default interest.Device resource can be saved using the embodiment of the present application, simplify default interest calculation process, and promote default interest computational efficiency.
Description
Technical field
This application involves bank paying, clearing technical field more particularly to a kind of default interest to determine method and relevant device.
Background technique
With reform and opening-up continuous development and deeply, a large amount of financial support is badly in need of in China's rapid economic development.For the people
Between capital seek the gentle solution supply and demand of fund contradiction of outlet, thus joint lending mode generates.Joint lending mode refers to third party
(such as little Dai company) and bank are made loans with a certain ratio to client jointly.In the overdue refund of client, need to participate in multi-party
Person carries out default interest calculating, if participant is more, the acquisition of data can be complicated, easily causes the waste of device resource, and calculation process
It is more complex, influence default interest computational efficiency.
Summary of the invention
The embodiment of the present application provides a kind of default interest and determines method and relevant device, for saving device resource, simplifies default interest
Calculation process, and promote default interest computational efficiency.
In a first aspect, the embodiment of the present application, which provides a kind of default interest, determines method, it is applied to server, comprising:
It receives the corresponding bank side default interest of client that customer side mobile terminal uploads and determines that parameter and customer side default interest determine
Parameter is stored into database, bank side default interest determine parameter include the overdue capital in bank side, bank's side delayed repayment interest,
Default interest, bank's side Annual Percentage Rate and overdue rate per diem floating ratio have been tied side by bank, and the customer side default interest determines that parameter includes visitor
The overdue capital in family side, customer side delayed repayment interest, customer side have tied default interest, customer side rate per diem and overdue rate per diem floating ratio；
Call parameters acquisition module obtains bank side default interest from the database and determines parameter and the customer side
Default interest determines parameter；
Default interest computing module is called to determine that parameter determines bank's side default interest based on bank side default interest, and based on described
Customer side default interest determines that parameter determines customer side default interest；
The default interest computing module is called to determine third party's default interest based on bank side default interest and the customer side default interest.
Second aspect, the embodiment of the present application provide a kind of default interest determining device, are applied to server, and described device includes:
Communication unit, the corresponding bank side default interest of client for receiving the upload of customer side mobile terminal determine parameter and visitor
Family side default interest determines parameter, stores into database, and bank side default interest determines that parameter includes the overdue capital in bank side, bank
Side delayed repayment interest, bank side have tied default interest, bank's side Annual Percentage Rate and overdue rate per diem floating ratio, and the customer side default interest determines
Parameter includes that the overdue capital of customer side, customer side delayed repayment interest, customer side have tied default interest, customer side rate per diem and overdue rate per diem
Floating ratio；
Acquiring unit obtains bank side default interest for call parameters acquisition module from the database and determines parameter
Parameter is determined with the customer side default interest；
Computing unit, for calling default interest computing module to determine that parameter determines that bank side is penalized based on bank side default interest
Breath, and determine that parameter determines customer side default interest based on the customer side default interest；The default interest computing module is called to be based on described
Bank's side default interest and the customer side default interest determine third party's default interest.
The third aspect, the embodiment of the present application provide a kind of server, including processor, memory, communication interface, Yi Jiyi
A or multiple programs, one or more of programs are stored in the memory, and are configured to be held by the processor
Row, described program are included the steps that for executing the instruction in the method according to claim 1 to 7.
Fourth aspect, the embodiment of the present application provide a kind of computer readable storage medium, above-mentioned computer-readable storage
For storing computer program, the computer program is executed by processor medium, to realize such as the embodiment of the present application first party
Step some or all of described in method described in face.
5th aspect, the embodiment of the present application provide a kind of computer program product, wherein above-mentioned computer program product
Non-transient computer readable storage medium including storing computer program, above-mentioned computer program are operable to make to calculate
Step some or all of described in method of the machine execution as described in the embodiment of the present application first aspect.The computer program produces
Product can be a software installation packet.
As can be seen that in the embodiment of the present application, the client that server receives the transmission of customer side mobile terminal first is corresponding
Bank's side default interest determine that parameter and customer side default interest determine parameter, be then based on bank's side default interest and determine that parameter and customer side are penalized
It ceases and determines that parameter calculates bank side default interest and customer side default interest, determine that third party penalizes based on bank's side default interest and customer side default interest
Breath.The embodiment of the present application has only used bank's side default interest when calculating and has determined that parameter and customer side default interest determine that parameter can be true
Determine bank's side default interest, customer side default interest and third party's default interest, saved device resource, simplifies default interest calculation process, Yi Jiti
Default interest computational efficiency is risen.
These aspects or other aspects of the application can more straightforward in the following description.
Detailed description of the invention
In order to illustrate the technical solutions in the embodiments of the present application or in the prior art more clearly, to embodiment or will show below
There is attached drawing needed in technical description to be briefly described, it should be apparent that, the accompanying drawings in the following description is only this
Some embodiments of application for those of ordinary skill in the art without creative efforts, can be with
It obtains other drawings based on these drawings.
Fig. 1 is a kind of structural schematic diagram of server provided by the embodiments of the present application.
Fig. 2 is the flow diagram that a kind of default interest provided by the embodiments of the present application determines method.
Fig. 3 is the flow diagram that another default interest provided by the embodiments of the present application determines method.
Fig. 4 is the structural schematic diagram of another server provided by the embodiments of the present application.
Fig. 5 is a kind of structural schematic diagram of default interest determining device provided by the embodiments of the present application.
Specific embodiment
In order to make those skilled in the art more fully understand application scheme, below in conjunction in the embodiment of the present application
Attached drawing, the technical scheme in the embodiment of the application is clearly and completely described, it is clear that described embodiment is only
The embodiment of the application a part, instead of all the embodiments.Based on the embodiment in the application, ordinary skill people
Member's every other embodiment obtained without making creative work, all should belong to the model of the application protection
It encloses.
It is described in detail separately below.
The description and claims of this application and term " first ", " second ", " third " and " in the attached drawing
Four " etc. are not use to describe a particular order for distinguishing different objects.In addition, term " includes " and " having " and it
Any deformation, it is intended that cover and non-exclusive include.Such as it contains the process, method of a series of steps or units, be
System, product or equipment are not limited to listed step or unit, but optionally further comprising the step of not listing or list
Member, or optionally further comprising other step or units intrinsic for these process, methods, product or equipment.
Referenced herein " embodiment " is it is meant that a particular feature, structure, or characteristic described can wrap in conjunction with the embodiments
It is contained at least one embodiment of the application.Each position in the description occur the phrase might not each mean it is identical
Embodiment, nor the independent or alternative embodiment with other embodiments mutual exclusion.Those skilled in the art explicitly and
Implicitly understand, embodiment described herein can be combined with other embodiments.
Default interest provided by the present application determines that method is applied to joint and makes loans.Joint, which is made loans, refers to third party (such as little Dai company
Deng) and bank made loans jointly with a certain ratio to client.In the overdue refund of client, need to calculate separately customer side, bank side
With the default interest of third party side.Therefore, there are customer side mobile terminal, bank's side server and third parties in joint lending system
Server.Server in application scheme can be bank's side server and be also possible to third-party server, not limit herein
It is fixed.
Server, also referred to as servomechanism are a kind of equipment for providing a user the service of calculating, since server needs to ring
Service request is answered, and is handled, therefore in general server should have the service of undertaking and ensure the ability of service.
As shown in Figure 1, Fig. 1 is a kind of structural schematic diagram of server provided by the embodiments of the present application.The mobile terminal packet
Include processor, memory, signal processor, transceiver etc..Wherein, memory and signal processor are connect with processor, are received
Hair device is connect with signal processor.
Wherein, processor is the control centre of server, utilizes each of various interfaces and the entire server of connection
Part by running or execute the software program and/or module that are stored in memory, and is called and is stored in memory
Data execute the various functions and processing data of mobile terminal, to carry out integral monitoring to mobile terminal.
Wherein, processor can integrate application processor and modem processor, wherein application processor mainly handles behaviour
Make system, user interface and application program etc., modem processor mainly handles wireless communication.It is understood that above-mentioned
Modem processor can not also be integrated into the processor.
Wherein, memory is stored in the software of memory by operation for storing software program and/or module, processor
Program and/or module, thereby executing the various function application and data processing of server.Memory can mainly include storage journey
Sequence area and storage data area, wherein storing program area can software program needed for storage program area, at least one function etc.；
Storage data area, which can be stored, uses created data etc. according to server.In addition, memory may include that high speed is deposited at random
Access to memory, can also include nonvolatile memory, a for example, at least disk memory, flush memory device or other easily
The property lost solid-state memory.
Referring to Fig. 2, Fig. 2 is the flow diagram that a kind of default interest provided by the embodiments of the present application determines method, this method
Include:
Step 201: server receive customer side mobile terminal send the corresponding bank side default interest of client determine parameter and
Customer side default interest determines parameter, stores into database, and bank side default interest determines that parameter includes overdue of bank side gold, silver
Row side delayed repayment interest, bank side have tied default interest, bank's side Annual Percentage Rate and overdue rate per diem floating ratio, and the customer side default interest is true
Determining parameter includes that the overdue capital of customer side, customer side delayed repayment interest, customer side have tied default interest, customer side rate per diem and benefit of overdue day
Rate floating ratio；
Step 202: server calls parameter acquisition module obtains bank side default interest from the database and determines ginseng
The several and customer side default interest determines parameter.
Wherein, what the overdue capital in bank side referred to that current period bank side generates should be also without the loan principal given back, silver
Row side delayed repayment interest refer to current period bank side generate should be also without the loan given back, bank has tied side default interest and has referred to
The overdue default interest that phase bank has settled accounts side, bank's side Annual Percentage Rate refer to the ratio of interest volume and loan principal in bank side 1 year
Rate, overdue interest rate floating ratio refer to increased ratio on the basis of the overdue refund Shi Yuan loan interest rate of client.
Wherein, what the overdue capital of customer side referred to that current period customer side generates should be also without the loan principal given back, visitor
Family side delayed repayment interest refer to current period customer side generate should be also without the loan given back, customer side has been tied default interest and has been referred to
The overdue default interest that phase customer side has been settled accounts, customer side rate per diem refer to the ratio of interest volume and loan principal in customer side one day
Rate, overdue interest rate floating ratio refer to increased ratio on the basis of the overdue refund Shi Yuan loan interest rate of client.
Step 203: server calls default interest computing module determines that parameter determines that bank side is penalized based on bank side default interest
Breath, and determine that parameter determines customer side default interest based on the customer side default interest.
In the implementation of the application, server determines that parameter determines bank's side default interest based on bank side default interest
Specific implementation have: server be based on the overdue capital B in the bank side1, the bank side delayed repayment interest C1, the bank
Default interest D is tied in side1, the bank side Annual Percentage Rate E1, the overdue rate per diem floating ratio F and the first calculation formula determine bank
Side default interest A1。
Wherein, the first calculation formula are as follows:
A1=(B1+C1+D1)×E1/360×(1+F)。
Wherein, it is needed bank side Annual Percentage Rate E in the first calculation formula1Bank's side rate per diem is converted into, 1 year in calculating
Number of days we usually take 360 days.
In the implementation of the application, server determines that parameter determines customer side default interest based on the customer side default interest
Specific implementation have: server be based on the overdue capital B of the customer side2, the customer side delayed repayment interest C2, the client
Default interest D is tied in side2, the customer side rate per diem E2, the overdue rate per diem floating ratio F and the second calculation formula determine client
Side default interest A2。
Wherein, the second calculation formula are as follows:
A2=(B2+C2+D2)×E2×(1+F)。
Wherein, first calculation formula and second calculation formula are specific procedures pre-existing in server.
It should be noted that server can first determine that bank side default interest determines the customer side default interest again, it can also
First to determine that the customer side default interest determines bank side default interest again, can also while bank side default interest and described be determined
Customer side default interest, specific order are not limited thereto.
As an example it is assumed that the overdue capital in bank side is 500,000 yuan, bank's side delayed repayment interest is 1000 yuan, and bank has tied side
Default interest is 10,000 yuan, and bank's side Annual Percentage Rate is 30%, and overdue rate per diem floating ratio is 50%, then bank side default interest is
(500000+1000+10000) × 30%/360 × (1+50%)=638.75 (member)
Assuming that the overdue capital of customer side is 1,000,000 yuan, customer side delayed repayment interest is 1000 yuan, and it is 1 that default interest has been tied side by bank
Wan Yuan, customer side rate per diem are 0.05%, and overdue rate per diem floating ratio is 50%, then customer side default interest is
(1000000+1000+10000) × 0.05% × (1+50%)=758.25 (member)
Step 204: default interest computing module described in server calls is based on bank side default interest and the customer side default interest
Determine third party's default interest.
It should be noted that the parameter acquisition module and the default interest computing module are tools pre-existing in server
Body program.
In the implementation of the application, server determines based on bank side default interest and the customer side default interest
The specific implementation of tripartite's default interest has: if bank side default interest is greater than or equal to the customer side default interest, server is true
Fixed third party's default interest is zero；If bank side default interest is less than the customer side default interest, server determines the third
Square default interest is the difference of the customer side default interest and bank side default interest.
For example, if bank's side default interest is 638.75 yuan, customer side default interest is 758.25 yuan, then third party's default interest is
(758.25-638.75=122.5 member)
If bank's side default interest is 758.25 yuan, customer side default interest is 638.75 yuan, then third party's default interest is 0.
As can be seen that in the embodiment of the present application, the client that server receives the transmission of customer side mobile terminal first is corresponding
Bank's side default interest determine that parameter and customer side default interest determine parameter, be then based on bank's side default interest and determine that parameter and customer side are penalized
It ceases and determines that parameter calculates bank side default interest and customer side default interest, determine that third party penalizes based on bank's side default interest and customer side default interest
Breath.The embodiment of the present application has only used bank's side default interest when calculating and has determined that parameter and customer side default interest determine that parameter can be true
Determine bank's side default interest, customer side default interest and third party's default interest, saved device resource, simplifies default interest calculation process, Yi Jiti
Default interest computational efficiency is risen.
In the implementation of the application, it is described obtain from the database bank side default interest determine parameter and
Before the customer side default interest determines parameter, the method also includes: server determines the client based on bank settlement information
It needs to hand over default interest, the bank settlement information comprises at least one of the following: loan information, customer side default interest determine parameter, described
Loan information includes total debt-credit capital, each issue of debt-credit capital, days of grace, the tolerance overdue capital, tolerance overdue benefit that should be gone back
Breath, tolerance have tied default interest.
Wherein, the days of grace can be based on the total debt-credit capital setting of client, be also possible to should to go back based on each issue
Capital setting is borrowed or lent money, is not limited thereto.For example, if total debt-credit capital is less than or equal to 300,000, the days of grace
It is set as 1 day；If total debt-credit capital is less than or equal to 500,000, the days of grace are set as 3 days；If total debt-credit capital is less than
Or being equal to 1,000,000, then the days of grace are set as 7 days；
Wherein, overdue capital, tolerance delayed repayment interest and tolerance is extended the deadline to have tied default interest and can be the user and the bank
It decides through consultation, is also possible to what bank's folk prescription was set in systems, herein with no restrictions.
In the implementation of the application, server determines that the client needs to hand over default interest based on bank settlement information
Specific implementation are as follows: under the conditions of bank settlement, server determines that the client needs to hand over default interest；The bank settlement condition
Comprise at least one of the following: the overdue number of days of client is greater than the days of grace, and the overdue capital of customer side is greater than overdue of tolerance
Golden, the described customer side delayed repayment interest is greater than tolerance delayed repayment interest, the customer side has tied default interest and tied default interest greater than the tolerance.
As can be seen that in the embodiment of the present application, a kind of precondition for determining the client and needing to hand over default interest is provided,
Default interest calculation process is simplified, and improves default interest computational efficiency.
It is described that the default interest computing module is called to be based on bank side default interest and institute in the implementation of the application
It states after customer side default interest determines third party's default interest, the method also includes: servers to the corresponding mobile terminal of the client
Bank side information is sent, bank side information carries default interest information and instruction information, and the instruction information is used to indicate described
Mobile terminal shows the default interest information in starting setting application, and the default interest information includes bank side default interest, described
Customer side default interest, third party's default interest.
Wherein, setting application can be that user is customized, be also possible to (such as described mobile terminal that mobile terminal determines
User setting the period in the number of starts be greater than or equal to setting number application, be also possible to the user of the mobile terminal
Number of starts ranking is greater than or equal to the application of setting ranking within the setting period).
Wherein, which for example can be 1 day, 2 days, 5 days, 10 days, 1 month or other values.
Wherein, which for example can be 5 times, 7 times, 10 times or other values.
Wherein, which for example can be first place, 3 first, 5 first, top 10 or other values.
Further, the mode of the display default interest information, which can be, uses bullet on the display screen of the mobile terminal
Window is shown, is also possible to be shown on the display screen of the mobile terminal with floating window, is also possible in the aobvious of the mobile terminal
With the notice display of top column in display screen, it can also be and shown in the starting page of the setting application, herein with no restrictions.
Wherein, pop-up is shown, floating window is shown and start the display area that the page is shown can be mobile terminal top,
It is also possible to can also be in the centre of mobile terminal in the bottom of mobile terminal, herein with no restrictions.
As can be seen that in the embodiment of the present application, server, which sends bank side to the corresponding mobile terminal of the client, to be believed
Breath, bank side information carry default interest information and instruction information, and the instruction information is used to indicate the mobile terminal and is opening
The default interest information is shown when dynamic setting application, improves the effect of default interest prompting.
It is consistent with the embodiment shown in Fig. 2, referring to Fig. 3, Fig. 3 is that another kind provided by the embodiments of the present application is penalized
Cease the flow diagram of the method for determination.As shown, being applied to server, this method includes:
Step 301: under the conditions of bank settlement, server determines that the client needs to hand over default interest.
Step 302: server receive customer side mobile terminal send the corresponding bank side default interest of client determine parameter and
Customer side default interest determines parameter, stores into database, and bank side default interest determines that parameter includes overdue of bank side gold, silver
Row side delayed repayment interest, bank side have tied default interest, bank's side Annual Percentage Rate and overdue rate per diem floating ratio, and the customer side default interest is true
Determining parameter includes that the overdue capital of customer side, customer side delayed repayment interest, customer side have tied default interest, customer side rate per diem and benefit of overdue day
Rate floating ratio.
Step 303: server calls parameter acquisition module obtains bank side default interest from the database and determines ginseng
The several and customer side default interest determines parameter.
Step 304: server is based on the overdue capital B in the bank side1, the bank side delayed repayment interest C1, the bank side
Default interest D is tied1, the bank side Annual Percentage Rate E1, the overdue rate per diem floating ratio F and the first calculation formula determine bank side
Default interest A1, first calculation formula are as follows: A1=(B1+C1+D1)×E1/360×(1+F)。
Step 305: server is based on the overdue capital B of the customer side2, the customer side delayed repayment interest C2, the customer side
Default interest D is tied2, the customer side rate per diem E2, the overdue rate per diem floating ratio F and the second calculation formula determine customer side
Default interest A2, second calculation formula are as follows: A2=(B2+C2+D2)×E2×(1+F)。
Step 306: default interest computing module described in server calls is based on bank side default interest and the customer side default interest
Determine third party's default interest.
Step 307: server sends bank side information to the corresponding mobile terminal of the client, and bank side information is taken
Band default interest information and instruction information.
It should be noted that the specific implementation process of each step of method shown in Fig. 3 can be found in described in the method
Specific implementation process, no longer describe herein.
It is consistent with above-mentioned Fig. 2 and embodiment shown in Fig. 3, referring to Fig. 4, Fig. 4 is provided by the embodiments of the present application another
A kind of structural schematic diagram of server, as shown, the server include processor, memory, communication interface and one or
Multiple programs, wherein said one or multiple programs are stored in above-mentioned memory, and are configured to be held by above-mentioned processor
Row, above procedure are used to execute the instruction of following steps:
It receives the corresponding bank side default interest of client that customer side mobile terminal is sent and determines that parameter and customer side default interest determine
Parameter is stored into database, bank side default interest determine parameter include the overdue capital in bank side, bank's side delayed repayment interest,
Default interest, bank's side Annual Percentage Rate and overdue rate per diem floating ratio have been tied side by bank, and the customer side default interest determines that parameter includes visitor
The overdue capital in family side, customer side delayed repayment interest, customer side have tied default interest, customer side rate per diem and overdue rate per diem floating ratio；
Call parameters acquisition module obtains bank side default interest from the database and determines parameter and the customer side
Default interest determines parameter；
Default interest computing module is called to determine that parameter determines bank's side default interest based on bank side default interest, and based on described
Customer side default interest determines that parameter determines customer side default interest；
The default interest computing module is called to determine third party's default interest based on bank side default interest and the customer side default interest.
As can be seen that in the embodiment of the present application, the client that server receives the transmission of customer side mobile terminal first is corresponding
Bank's side default interest determine that parameter and customer side default interest determine parameter, be then based on bank's side default interest and determine that parameter and customer side are penalized
It ceases and determines that parameter calculates bank side default interest and customer side default interest, determine that third party penalizes based on bank's side default interest and customer side default interest
Breath.The embodiment of the present application has only used bank's side default interest when calculating and has determined that parameter and customer side default interest determine that parameter can be true
Determine bank's side default interest, customer side default interest and third party's default interest, saved device resource, simplifies default interest calculation process, Yi Jiti
Default interest computational efficiency is risen.
In the implementation of the application, server determines that parameter determines bank's side default interest based on bank side default interest
Aspect, above procedure are specifically used for executing the instruction of following steps:
Based on the overdue capital B in the bank side1, the bank side delayed repayment interest C1, the bank side tied default interest D1, institute
State bank side Annual Percentage Rate E1, the overdue rate per diem floating ratio F and the first calculation formula determine bank side default interest A1, described
One calculation formula are as follows: A1=(B1+C1+D1)×E1/360×(1+F)。
As can be seen that in the embodiment of the present application, providing a kind of specific calculation of determining bank side default interest, simplify
Default interest calculation process, and improve default interest computational efficiency.
In the implementation of the application, server determines that parameter determines customer side default interest based on the customer side default interest
Aspect, above procedure are specifically used for executing the instruction of following steps:
Based on the overdue capital B of the customer side2, the customer side delayed repayment interest C2, the customer side tied default interest D2, institute
State customer side rate per diem E2, the overdue rate per diem floating ratio F and the second calculation formula determine customer side default interest A2, described
Two calculation formula are as follows: A2=(B2+C2+D2)×E2×(1+F)。
As can be seen that in the embodiment of the present application, providing a kind of specific calculation of determining customer side default interest, simplify
Default interest calculation process, and improve default interest computational efficiency.
In the implementation of the application, server determines based on bank side default interest and the customer side default interest
In terms of tripartite's default interest, above procedure is specifically used for executing the instruction of following steps:
If bank side default interest is greater than or equal to the customer side default interest, it is determined that third party's default interest is zero；
If bank side default interest is less than the customer side default interest, it is determined that third party's default interest is that the customer side is penalized
The difference of breath and bank side default interest.
As can be seen that in the embodiment of the present application, providing a kind of specific calculation of determining third party's default interest, simplify
Default interest calculation process, and improve default interest computational efficiency.
In the implementation of the application, parameter and institute are determined obtaining bank side default interest from the database
It states before customer side default interest determines parameter, above procedure is also used to execute the instruction of following steps:
Determine that the client needs to hand over default interest based on bank settlement information, the bank settlement information includes following at least one
Kind: loan information, customer side default interest determine that parameter, the loan information include total debt-credit capital, each issue of debt-credit sheet that should be gone back
Gold, days of grace, tolerance overdue capital, tolerance delayed repayment interest, tolerance have tied default interest.
In the implementation of the application, server determines that the client needs to hand over default interest side based on bank settlement information
Face, above procedure are specifically used for executing the instruction of following steps:
Under the conditions of bank settlement, server determines that the client needs to hand over default interest；The bank settlement condition include with
Lower at least one: the overdue number of days of client is greater than the days of grace, and the overdue capital of customer side, which is greater than, extends the deadline overdue capital, described
Customer side delayed repayment interest is greater than tolerance delayed repayment interest, the customer side has tied default interest and tied default interest greater than the tolerance.
As can be seen that in the embodiment of the present application, a kind of precondition for determining the client and needing to hand over default interest is provided,
Default interest calculation process is simplified, and improves default interest computational efficiency.
In the implementation of the application, the default interest computing module is being called to be based on bank side default interest and described
After customer side default interest determines third party's default interest, above procedure is also used to execute the instruction of following steps:
Bank side information is sent to the corresponding mobile terminal of the client, bank side information carries default interest information and refers to
Show information, the instruction information is used to indicate the mobile terminal and shows the default interest information in starting setting application, described
Default interest information includes bank side default interest, the customer side default interest, third party's default interest.
As can be seen that in the embodiment of the present application, server, which sends bank side to the corresponding mobile terminal of the client, to be believed
Breath, bank side information carry default interest information and instruction information, and the instruction information is used to indicate the mobile terminal and is opening
The default interest information is shown when dynamic setting application, improves the effect of default interest prompting.
It should be noted that the specific implementation process of the present embodiment can be found in specific implementation described in above method embodiment
Process no longer describes herein.
The embodiment of the present application can carry out the division of functional unit according to the method example to electronic equipment, for example, can
With each functional unit of each function division of correspondence, two or more functions can also be integrated in a processing unit
In.The integrated unit both can take the form of hardware realization, can also realize in the form of software functional units.It needs
It is noted that be schematical, only a kind of logical function partition to the division of unit in the embodiment of the present application, it is practical real
It is current that there may be another division manner.
It is below the application Installation practice, the application Installation practice is realized for executing the application embodiment of the method
Method.Referring to Fig. 5, Fig. 5 is a kind of default interest determining device provided by the embodiments of the present application, it is applied to server, the default interest
Determining device 500 includes acquiring unit 501, communication unit 502 and computing unit 503, in which:
Communication unit 502, the corresponding bank side default interest of client for receiving the transmission of customer side mobile terminal determine parameter
Determine parameter with customer side default interest, store into database, bank side default interest determine parameter include the overdue capital in bank side,
Bank's side delayed repayment interest, bank side have tied default interest, bank's side Annual Percentage Rate and overdue rate per diem floating ratio, the customer side default interest
Determine that parameter includes that the overdue capital of customer side, customer side delayed repayment interest, customer side have tied default interest, customer side rate per diem and overdue day
Interest rate floating ratio；
Acquiring unit 501 obtains bank side default interest for call parameters acquisition module from the database and determines
Parameter and the customer side default interest determine parameter；
Computing unit 503, for calling default interest computing module to determine that parameter determines bank side based on bank side default interest
Default interest, and determine that parameter determines customer side default interest based on the customer side default interest；The default interest computing module is called to be based on institute
It states bank's side default interest and the customer side default interest determines third party's default interest.
As can be seen that in the embodiment of the present application, the client that server receives the transmission of customer side mobile terminal first is corresponding
Bank's side default interest determine that parameter and customer side default interest determine parameter, be then based on bank's side default interest and determine that parameter and customer side are penalized
It ceases and determines that parameter calculates bank side default interest and customer side default interest, determine that third party penalizes based on bank's side default interest and customer side default interest
Breath.The embodiment of the present application has only used bank's side default interest when calculating and has determined that parameter and customer side default interest determine that parameter can be true
Determine bank's side default interest, customer side default interest and third party's default interest, saved device resource, simplifies default interest calculation process, Yi Jiti
Default interest computational efficiency is risen.
In the implementation of the application, in terms of determining that parameter determines bank's side default interest based on bank side default interest,
Computing unit 501 is specifically used for:
Based on the overdue capital B in the bank side1, the bank side delayed repayment interest C1, the bank side tied default interest D1, institute
State bank side Annual Percentage Rate E1, the overdue rate per diem floating ratio F and the first calculation formula determine bank side default interest A1, described
One calculation formula are as follows: A1=(B1+C1+D1)×E1/360×(1+F)。
As can be seen that in the embodiment of the present application, providing a kind of specific calculation of determining bank side default interest, simplify
Default interest calculation process, and improve default interest computational efficiency.
In the implementation of the application, in terms of determining that parameter determines customer side default interest based on the customer side default interest,
Computing unit 501 is specifically used for:
Based on the overdue capital B of the customer side2, the customer side delayed repayment interest C2, the customer side tied default interest D2, institute
State customer side rate per diem E2, the overdue rate per diem floating ratio F and the second calculation formula determine customer side default interest A2, described
Two calculation formula are as follows: A2=(B2+C2+D2)×E2×(1+F)。
As can be seen that in the embodiment of the present application, providing a kind of specific calculation of determining customer side default interest, simplify
Default interest calculation process, and improve default interest computational efficiency.
In the implementation of the application, determine that third party penalizes based on bank side default interest and the customer side default interest
Breath aspect, computing unit 501 are specifically used for:
If bank side default interest is greater than or equal to the customer side default interest, it is determined that third party's default interest is zero；
If bank side default interest is less than the customer side default interest, it is determined that third party's default interest is that the customer side is penalized
The difference of breath and bank side default interest.
As can be seen that in the embodiment of the present application, providing a kind of specific calculation of determining third party's default interest, simplify
Default interest calculation process, and improve default interest computational efficiency.
In the implementation of the application, it is corresponding to obtain client from the database by the acquiring unit 501
Bank's side default interest determine that parameter and customer side default interest determine parameter before, described device further include:
Determination unit (not shown), for determining that the client needs to hand over default interest, the bank based on bank settlement information
Settlement information comprises at least one of the following: loan information, customer side default interest determine that parameter, the loan information include total debt-credit
Capital, each issue of debt-credit capital that should be gone back, tolerance overdue capital, tolerance delayed repayment interest, are extended the deadline and have tied default interest the days of grace.
In the implementation of the application, in terms of determining that the client needs to hand over default interest based on bank settlement information, really
Order member is specifically used for:
Under the conditions of bank settlement, server determines that the client needs to hand over default interest；The bank settlement condition include with
Lower at least one: the overdue number of days of client is greater than the days of grace, and the overdue capital of customer side, which is greater than, extends the deadline overdue capital, described
Customer side delayed repayment interest is greater than tolerance delayed repayment interest, the customer side has tied default interest and tied default interest greater than the tolerance.
As can be seen that in the embodiment of the present application, a kind of precondition for determining the client and needing to hand over default interest is provided,
Default interest calculation process is simplified, and improves default interest computational efficiency.
In the implementation of the application, bank side default interest and the customer side are based on by computing unit 503
After default interest determines third party's default interest, communication unit 502 is also used to::
Bank side information is sent to the corresponding mobile terminal of the client, bank side information carries default interest information and refers to
Show information, the instruction information is used to indicate the mobile terminal and shows the default interest information in starting setting application, described
Default interest information includes bank side default interest, the customer side default interest, third party's default interest.
As can be seen that in the embodiment of the present application, server, which sends bank side to the corresponding mobile terminal of the client, to be believed
Breath, bank side information carry default interest information and instruction information, and the instruction information is used to indicate the mobile terminal and is opening
The default interest information is shown when dynamic setting application, improves the effect of default interest prompting.
It should be noted that acquiring unit 501, communication unit 502, computing unit 503 and determination unit can pass through processing
Device is realized.
The embodiment of the present application also provides a kind of computer storage medium, and the computer storage medium is for storing computer journey
Sequence, the computer program are executed by processor, with realize part as either recorded method in above method embodiment or
Overall Steps.
The embodiment of the present application also provides a kind of computer program product, and above-mentioned computer program product includes storing calculating
The non-transient computer readable storage medium of machine program, above-mentioned computer program are operable to that computer is made to execute such as above-mentioned side
Some or all of either record method step in method embodiment.The computer program product can be a software installation
Packet, above-mentioned computer includes server.
It should be noted that for the various method embodiments described above, for simple description, therefore, it is stated as a series of
Combination of actions, but those skilled in the art should understand that, the application is not limited by the described action sequence because
According to the application, some steps may be performed in other sequences or simultaneously.Secondly, those skilled in the art should also know
It knows, the embodiments described in the specification are all preferred embodiments, related actions and modules not necessarily the application
It is necessary.
In the above-described embodiments, it all emphasizes particularly on different fields to the description of each embodiment, there is no the portion being described in detail in some embodiment
Point, reference can be made to the related descriptions of other embodiments.
In several embodiments provided herein, it should be understood that disclosed device, it can be by another way
It realizes.For example, the apparatus embodiments described above are merely exemplary, such as the division of said units, it is only a kind of
Logical function partition, there may be another division manner in actual implementation, such as multiple units or components can combine or can
To be integrated into another system, or some features can be ignored or not executed.Another point, shown or discussed is mutual
Coupling, direct-coupling or communication connection can be through some interfaces, the indirect coupling or communication connection of device or unit,
It can be electrical or other forms.
Above-mentioned unit as illustrated by the separation member may or may not be physically separated, aobvious as unit
The component shown may or may not be physical unit, it can and it is in one place, or may be distributed over multiple
In network unit.It can select some or all of unit therein according to the actual needs to realize the mesh of this embodiment scheme
's.
It, can also be in addition, each functional unit in each embodiment of the application can integrate in one processing unit
It is that each unit physically exists alone, can also be integrated in one unit with two or more units.Above-mentioned integrated list
Member both can take the form of hardware realization, can also realize in the form of software functional units.
If above-mentioned 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 access to memory.According to such understanding, the technical solution of the application substantially or
Person says that all or part of the part that contributes to existing technology or the technical solution can body in the form of software products
Reveal and, which is stored in a memory, including some instructions are used so that a computer equipment
(can be personal computer, server or network equipment etc.) executes all or part of each embodiment above method of the application
Step.And memory above-mentioned includes: USB flash disk, read-only memory (ROM, Read-Only Memory), random access memory
The various media that can store program code such as (RAM, Random Access Memory), mobile hard disk, magnetic or disk.
Those of ordinary skill in the art will appreciate that all or part of the steps in the various methods of above-described embodiment is can
It is completed with instructing relevant hardware by program, which can store in a computer-readable memory, memory
May include: flash disk, read-only memory (English: Read-Only Memory, referred to as: ROM), random access device (English:
Random Access Memory, referred to as: RAM), disk or CD etc..
The embodiment of the present application is described in detail above, specific case used herein to the principle of the application and
Embodiment is expounded, the description of the example is only used to help understand the method for the present application and its core ideas；
At the same time, for those skilled in the art can in specific embodiments and applications according to the thought of the application
There is change place, in conclusion the contents of this specification should not be construed as limiting the present application.
Claims (10)
1. a kind of default interest determines method, which is characterized in that be applied to server, comprising:
It receives the corresponding bank side default interest of client that customer side mobile terminal is sent and determines that parameter and customer side default interest determine parameter,
It stores into database, bank side default interest determines that parameter includes the overdue capital in bank side, bank's side delayed repayment interest, bank side
Default interest, bank's side Annual Percentage Rate and overdue rate per diem floating ratio are tied, the customer side default interest determines that parameter includes that customer side exceedes
Phase capital, customer side delayed repayment interest, customer side have tied default interest, customer side rate per diem and overdue rate per diem floating ratio；
Call parameters acquisition module obtains bank side default interest from the database and determines parameter and the customer side default interest
Determine parameter；
It calls default interest computing module to determine that parameter determines bank's side default interest based on bank side default interest, and is based on the client
Side default interest determines that parameter determines customer side default interest；
The default interest computing module is called to determine third party's default interest based on bank side default interest and the customer side default interest.
2. the method according to claim 1, wherein described determine that parameter determines silver based on bank side default interest
Row side default interest, comprising:
Based on the overdue capital B in the bank side1, the bank side delayed repayment interest C1, the bank side tied default interest D1, the silver
Row side Annual Percentage Rate E1, the overdue rate per diem floating ratio F and the first calculation formula determine bank side default interest A1；
First calculation formula are as follows: A1=(B1+C1+D1)×E1/360×(1+F)。
3. method according to claim 1 or 2, which is characterized in that described to determine that parameter is true based on the customer side default interest
Determine customer side default interest, comprising:
Based on the overdue capital B of the customer side2, the customer side delayed repayment interest C2, the customer side tied default interest D2, the visitor
Family side rate per diem E2, the overdue rate per diem floating ratio F and the second calculation formula determine customer side default interest A2；
Second calculation formula are as follows: A2=(B2+C2+D2)×E2×(1+F)。
4. the method according to claim 1, wherein described penalized based on bank side default interest and the customer side
It ceases and determines third party's default interest, comprising:
If bank side default interest is greater than or equal to the customer side default interest, it is determined that third party's default interest is zero；
If bank side default interest be less than the customer side default interest, it is determined that third party's default interest be the customer side default interest and
The difference of bank side default interest.
5. according to the method described in claim 3, it is characterized in that, described obtain bank side default interest from the database
Before determining that parameter and the customer side default interest determine parameter, the method also includes:
Determine that the client needs to hand over default interest based on bank settlement information, the bank settlement information comprises at least one of the following:
Loan information, customer side default interest determine parameter, the loan information includes total debt-credit capital, the debt-credit capital that should go back for each issue,
Days of grace, tolerance overdue capital, tolerance delayed repayment interest, tolerance have tied default interest.
6. according to the method described in claim 5, it is characterized in that, described determine client's needs based on bank settlement information
Hand over default interest, comprising:
Under the conditions of bank settlement, determine that the client needs to hand over default interest；
The bank settlement condition comprises at least one of the following: the overdue number of days of client is greater than the days of grace, and the customer side exceedes
Phase capital is greater than tolerance overdue capital, the customer side delayed repayment interest is greater than tolerance delayed repayment interest, the customer side has tied default interest
Default interest has been tied greater than the tolerance.
7. the method according to claim 1, wherein described call the default interest computing module to be based on the bank
After side default interest and the customer side default interest determine third party's default interest, the method also includes:
Bank side information is sent to the corresponding mobile terminal of the client, bank side information carries default interest information and instruction letter
Breath, the instruction information are used to indicate the mobile terminal and show the default interest information, the default interest in starting setting application
Information includes bank side default interest, the customer side default interest and third party's default interest.
8. a kind of default interest determining device, which is characterized in that be applied to server, described device includes:
Communication unit, the corresponding bank side default interest of client for receiving the transmission of customer side mobile terminal determine parameter and customer side
Default interest determines parameter, stores into database, and bank side default interest determines that parameter includes that the overdue capital in bank side, bank side exceed
Phase interest, bank side have tied default interest, bank's side Annual Percentage Rate and overdue rate per diem floating ratio, and the customer side default interest determines parameter
Default interest, customer side rate per diem and overdue rate per diem is tied including the overdue capital of customer side, customer side delayed repayment interest, customer side to float
Ratio；
Acquiring unit obtains bank side default interest for call parameters acquisition module from the database and determines parameter and institute
It states customer side default interest and determines parameter；
Computing unit, for calling default interest computing module to determine that parameter determines bank's side default interest based on bank side default interest, with
And determine that parameter determines customer side default interest based on the customer side default interest；The default interest computing module is called to be based on the bank side
Default interest and the customer side default interest determine third party's default interest.
9. a kind of third-party server, which is characterized in that including processor, memory, communication interface, and one or more journeys
Sequence, one or more of programs are stored in the memory, and are configured to be executed by the processor, described program
Include the steps that for executing the instruction in the method according to claim 1 to 7.
10. a kind of computer readable storage medium, which is characterized in that the computer readable storage medium is for storing computer
Program, the computer program are executed by processor, to realize the method according to claim 1 to 7.
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| CN201811527501.XA CN109785109A (en) | 2018-12-13 | 2018-12-13 | A kind of default interest determines method and relevant device |
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| CN201811527501.XA CN109785109A (en) | 2018-12-13 | 2018-12-13 | A kind of default interest determines method and relevant device |
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| CN108305165A (en) * | 2018-02-12 | 2018-07-20 | 中科柏诚科技（北京）股份有限公司 | A kind of internet helps loan system and method |
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