CN109993653A - A kind of method of net loan system financial settlement loan fund balance - Google Patents
A kind of method of net loan system financial settlement loan fund balance Download PDFInfo
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Abstract
The invention discloses a kind of methods of net loan system financial settlement loan fund balance, include: server-side receive borrower application borrowing balance solicited message and by request after, the application information of the borrowing balance of borrower is pushed into Third-party payment mechanism, and then the capital fund of investor is transferred to borrower's account；Third-party payment mechanism adjusts back successfully, judges its return instruction information, if it is successful, whether statistics borrower's refund interest volume and the interest on investment amount of investor are equal, if unequal, opens capital settlement balanced algorithm；After being calculated via capital settlement balanced algorithm, according to the loaning bill information of borrower, it generates accordingly to repayment schedule, according to the investing tip of each investor, corresponding every investment generates corresponding returned money plan, realizes that the fund balancing borrowed money with repayment schedule, investment and returned money plan, repayment schedule and returned money plan is handled.The present invention realize loaning bill, investment, to also with due-in fund balancing.
Description
Technical field
The invention belongs to net loan technical field, and in particular to a kind of side of net loan system financial settlement loan fund balance
Method.
Background technique
Online loan is also becoming a kind of trend, and by the advantage of internet, the completion that can be stayed indoors is provided a loan Shen
Every step please, the application condition including understanding all kinds of loans, prepares application material, until submitting loan application, all may be used
To be efficiently completed on the internet.It is corresponding, the rise of the online loan platform of a batch, also for provide a loan on the net it is universal with
Popularization is made that very big contribution.
In network loan platform in existing market, if a loaning bill, there are more people investment, and the refund of more phases
In the case of when, the equity for looking after investor is generallyd use in existing network loan platform, after being calculated according to actual interest rate, then
The interest that rounds up is carried out, after the interest summation of all investments, obtains the interest repaid required for borrower.This kind of mode
It is uneven between interest that investor obtains to be easy to cause the refund interest of borrower, will form borrower and overpays interest condition,
Especially in enterprise customer, enterprise's mistake account will lead to, cause to cause unnecessary trouble and financial process.
Summary of the invention
In order to solve the above-mentioned technical problems, the present invention provides a kind of sides of net loan system financial settlement loan fund balance
Method, so that the interest equalization that the refund interest of borrower and investor obtain.
The technical solution of the present invention is as follows: a kind of method of net loan system financial settlement loan fund balance, including following step
It is rapid:
S110, server-side receive borrower application borrowing balance solicited message and by request after, will borrow
The application information of the borrowing balance of money people pushes to Third-party payment mechanism, by Third-party payment mechanism, by the throwing of investor
Funds transfer is provided to borrower's account；
S120, Third-party payment mechanism adjust back successfully, then judge its return instruction information, if it is successful, statistics borrower
Whether refund interest volume and the interest on investment amount of investor are equal, if unequal, open capital settlement balanced algorithm,
Described in capital settlement balanced algorithm according to formula (1)~(2) calculate:
× 100 (1) Z=(X ﹣ Y)；
Y=y " 1+y " 2......+y " n (2)；
Wherein,
Y " n is the corresponding gross interest obtained before every investment balance, and intercepts two obtained interests of decimal point
(23.45) such as 23.456677, y " n is to total value；
C is the number after corresponding to the interest on investment total value decimal point obtained since third position before intercepting every investment balance
It is worth (such as 23.456677, c 0.006677)；
X is that rounding up for borrower retains the loan interest amount of money of two-decimal；
Y is the gross interest of all investments；
Z is the investment stroke count that red cent can be added in gross interest；
By the numerical value of each c according to sorting from large to small, wherein if there is at least two identical numerical value in the numerical value of c, then
It is successively ranked up according to the investment time sequence of corresponding investor, the finally investment corresponding to Z c before being ordered as,
Red cent is added in the interest amount for intercepting two-decimal, remaining sorting position is not added, and correspondence obtains after obtaining every investment balance
Gross interest fund balancing is completed with this to make equal with loan interest total value X；
S130, it after being calculated via capital settlement balanced algorithm, according to the loaning bill information of borrower, generates accordingly to also
Money plan, according to the investing tip of each investor, corresponding every investment generates corresponding returned money plan.
Preferably, calculating in the step S130 according to formula (3)~(5), corresponding acquisition after every investment balance is judged
Gross interest y " ' n it is whether equal with corresponding investment returned money gross interest, if when unequal, at latter stage, according to formula
(3) and corresponding Interest spread is calculated in (4), reuse formula (5) processing investment the plan of latter stage returned money, thus make investment with
Fund balancing between returned money.
E=E ' 1+E ' 2......+E ' n (3)；
Interest spread=y " ' n-E (4)；
Interest amount=investment latter stage interest amount+Interest spread (5) after investing latter stage balance；
E ' n is corresponding due-in each issue of the returned money interest amount in the works of investment, and round up retain it is two small
Several numerical value, and n value is greater than or equal to 1；
E is the returned money gross interest of investment.
Y " ' n is the interest amount in investing tip.
The difference invested between deserved gross interest and investment returned money gross interest is calculated by formula (4), if
Interest spread is not equal to zero, then realizes the fund balancing of investment with returned money using formula (5) in investment Final Issue returned money；Such as
This target of fruit has multiple investors more investments, and the investment amount of every investment is being handled by formula (3)~(5) poll and is being returned
The amount of money plan makes its investment and returned money fund balancing.
Preferably, according to formula (6)~(8) calculate, judge borrower the loan interest amount of money whether with each issue of borrower
Refund gross interest it is equal, if when unequal, at latter stage, borrowed according to what formula (8) was calculated that borrower's latter stage should go back
Money people's latter stage balance after interest amount:
F=F ' 1+F ' 2......+F ' n (6)；
Interest spread=X-F (7)；
Borrower's latter stage balance after interest amount=borrower's latter stage interest amount+Interest spread (8)；
F ' n is each issue in the corresponding repayment schedule of borrower of interest amount to be gone back, and carries out the reservation two that rounds up
The numerical value of decimal, wherein n is the integer more than or equal to 1；
F is the repayment schedule gross interest of borrower.
X is the loan interest amount of borrower.
If in the case that X is not equal to F, illustrating that the gross interest in loan interest total value and repayment schedule is uneven,
Need to borrow money and be handled with the fund balancing refunded, profit is obtained according to formula (7), according to formula (8), borrower most
The latter phase in the works, realizes the fund balancing borrowed money with repayment schedule.
It in the calculating of relevant amount, is wanted by the life of loan, loaning bill Annual Percentage Rate, borrowing balance and mode of repayment etc. four
What element determined, such as the life of loan is as unit of the moon；Mode of repayment: primary to refund, monthly also cease the expire repayment of principal, monthly equal
It ceases, monthly equal capital, quarterly equal principal, quarterly equal capital etc..
Gross interest is calculated using existing method in gross interest in the present invention, such as: a. equal principal correlation is calculated
Method, gross interest=refund issue × each issue of refund amount-loan principal, each issue of the refund amount calculation formula: (loan principal × moon
Interest rate × (1+ rate per month) ^ refund months) ÷ ((1+ rate per month) ^ refund months -1)；
B. equal capital relevant calculation formula, refund gross interest=(refund months+1) × loan value × rate per month/2.With
The prior art is compared, the beneficial effects of the present invention are embodied in:
(1) present invention employs interception method, later using by with actual total value compare, seek difference, obtain needs to
How many people do the processing of fund, according to the amount of money and the amount and corresponding investment time that need carry, the processing debt-credit after interception
The fund balancing of both sides.The present invention realizes loaning bill, investment, to fund balancing processing side perfect also between due-in etc. four
Method, the theory and business versatility of realization are good, are suitble to the fund allocation of more scenes.
(2) present invention solves the problems, such as original net loan system and the fund balancing that net is borrowed, and has looked after the equity of debtor and creditor.
(3) present invention can also look after the interests of investor, such as enterprise customer, avoid book keeping operation error
Trouble, ensure that the legitimate rights and interests of debtor and creditor through the invention, truly realize the clearing balance of fund.
Detailed description of the invention
Fig. 1 is flow diagram of the invention.
Fig. 2 is the flow diagram of capital settlement balanced algorithm of the invention.
Fig. 3 is the flow diagram of auxiliary balance algorithm of the invention.
Specific embodiment
Embodiment 1
In debt-credit scene accordingly, loaning bill information, investing tip, and the information to be gone back borrowed money and investor can be generated
Withhold information, in loaning bill, especially contain the information such as loaning bill capital, borrowing rate, the life of loan and mode of repayment, throw
After available family is invested, after quota audit, complete loaning bill information, investing tip can be generated, to also plan and due-in
The information such as plan.
The present embodiment is a kind of method of net loan system financial settlement loan fund balance, comprising the following steps:
S110, server-side receive borrower application borrowing balance solicited message and by request after, will borrow
The application information of the borrowing balance of money people pushes to Third-party payment mechanism, by Third-party payment mechanism, by the throwing of investor
Funds transfer is provided to borrower's account；
S120, Third-party payment mechanism adjust back successfully, then judge its return instruction information, if it is successful, statistics borrower
Whether refund interest volume and the interest on investment amount of investor are equal, if unequal, open capital settlement balanced algorithm,
Described in capital settlement balanced algorithm according to formula (1)~(2) calculate:
× 100 (1) Z=(X ﹣ Y)；
Y=y " 1+y " 2......+y " n (3)；
Wherein,
Y " n is every deserved interest amount of investment, and after carrying out interception two-decimal, all interest amounts are (such as
23.45678, y " 23.45) n is；
C is the numerical value (such as 23.45678, c 0.00678) for intercepting y ' n decimal point third position and starting；
X is the true loan interest amount of money of borrower；
Y is the gross interest of all investments；
Z is the investment stroke count that red cent can be added in gross interest；
By the numerical value of each c according to sorting from large to small, wherein if there is at least two identical numerical value in the numerical value of c, then
It is successively ranked up according to the investment time sequence of corresponding investor, the finally investment corresponding to Z c before being ordered as,
Red cent is added in the interest amount for intercepting two-decimal, remaining sorting position is not added, and correspondence obtains after obtaining every investment balance
Gross interest fund balancing is completed with this to make equal with loan interest total value X；
By above-mentioned steps it is found that the present embodiment is after the fund for receiving Third-party payment mechanism operates successfully instruction,
By borrowing balance, borrowing rate and the life of loan, calculating should go back interest amount, carry out the interest and investment of investor first
The loaning bill amount and loan interest total value of amount and borrower are balanced processing, as shown in Fig. 2, specific process is as follows:
In step S121, the parameters such as borrowing balance, the life of loan, the Annual Percentage Rate of borrower are obtained, according to loaning bill information, are obtained
Investor's user list is taken, next step fund balancing is facilitated to handle；
In step S122, after calculating the gross interest borrowed money and need to pay, retain two-decimal by rounding up；
Investor's related data is obtained, the interest amount of each pen investment is calculated, the interest amount of each investment is intercepted, retains two
Decimal；
In step S123, through the above steps, loaning bill relevant information and investment relevant information are obtained, it is always sharp by borrower
Breath amount subtracts the gross interest of investment interception, and multiplied by 100, calculating needs to mend red cent to how many investments；
In step S124, according to above-mentioned steps, obtain the investment stroke count for needing the volume of making up the difference, according to interception decimal point three it
Total money sequence afterwards, it is big plus one point, meet equal, preferentially adds one point to the user of " Invest, Then Investigate ", loaning bill is realized with this and is thrown
Provide the fund balancing of the two.
It can refer to following cases one:
Table 1
| Investor | Capital | Interest | Interception 1 | Interception 2 |
| Investor B | 30002 | 675.045 | 675.04 | 0.005 |
| Investor C | 25443 | 572.4675 | 572.46 | 0.0075 |
| Investor D | 54442 | 1224.945 | 1224.94 | 0.005 |
Borrower A borrows money 109887 yuan, Annual Percentage Rate 9%, and the life of loan is March, and mode of repayment: monthly also breath expires
It repays principal.
According to the sequencing of investment, the corresponding investment amount of each investor is as follows:
Investor B invests 30002 yuan；
Investor C invests 25443 yuan；
Investor D invests 54442 yuan.
Table 1 and following result are obtained according to formula (1)~(4) in step S120:
Borrower should go back total value 112359.46 ten thousand, and 109887 yuan of capital, (round up interest 2472.46 original amount
2472.4575)
Calculate interest summation=675.04+572.46+1224.94=2472.44 of interception 1
Gross interest 2472.46 to be gone back is needed to subtract the gross interest 2472.44 of interception 1 according to borrower, it is poor to calculate
Volume is 0.02
Representative needs everyone to two investors to add red cent
According to this column sequence (first according to the amount of money size of interception 2, according still further to the time order and function of investment) of interception 2, therefore obtain
Everyone to investor B and investor C is needed to add red cent.
S130, it after being calculated via capital settlement balanced algorithm, according to the loaning bill information of borrower, generates accordingly to also
Money plan, according to the investing tip of each investor, corresponding every investment generates corresponding returned money plan.
In step s 130, it is calculated according to formula (3)~(5), judges the corresponding gross interest obtained after every investment balance
Whether y " ' n equal with each issue of returned money gross interest of corresponding investment, if when unequal, at latter stage, according to formula (3) and
(4) Interest spread is calculated, the fund balancing of investment with returned money is realized using formula (5).
E=E ' 1+E ' 2......+E ' n (3)；
Interest spread=y " ' n-E (4)；
Interest amount=investment latter stage interest amount+Interest spread (5) after investing latter stage balance；
E ' n is corresponding due-in each issue of the returned money interest amount in the works of investment, and round up retain it is two small
Several numerical value, wherein n, which is greater than, schedules 1；
E is the returned money gross interest for investing each issue.
Y " ' n is the interest amount invested after Balance Treatment.
If interest on investment total value y " ' n and investment returned money total value E are unequal, the interest of investment is calculated by formula (4)
Amount and returned money gross interest difference, use (5) Final Issue returned money in the works, realize that investment and the fund of returned money are flat
Weighing apparatus；If there is more invest, then by formula (3)~(5) poll handle every investment fund, realize investment and wait go back between
Fund balancing.
Preferably, according to formula (6)~(8) calculate, judge borrower the loan interest amount of money whether with each issue of borrower
Refund gross interest it is equal, if when unequal, at latter stage, borrowed according to what formula (8) was calculated that borrower's latter stage should go back
Money people's latter stage balance after interest amount:
F=F ' 1+F ' 2......+F ' n (6)；
Interest spread=X-F (7)；
Borrower's latter stage balance after interest amount=borrower's latter stage interest amount+Interest spread (8)；
F ' n is the interest amount of each phase in the corresponding repayment schedule of borrower, and carries out the processing reservation two that rounds up
The numerical value of position decimal, wherein n is greater than or equal to 1；
The refund gross interest that F is each issue of borrower.
X is the refund interest amount of borrower really.
If X is not equal to F, calculate Interest spread by formula (7), using formula (8), carry out repayment schedule most
It is latter interim, realize the fund balancing borrowed money with repayment schedule.
As shown in figure 3, according to loaning bill information, inquire each investing tip in step S131, by loaning bill information and
Investing tip, with investment amount, time limit, interest rate and mode of repayment, production returned money it is (due-in) plan, determine returned money amount and
The relevant parameters such as the time of interest amount and each issue of refund.
In step S132, retain two-decimal, after convenient by rounding up for each issue of returned money plan interest
The investment amount of phase and the amount of money for due-in plan of refunding balance.
In step S133, the gross interest amount of money is invested, if it is equal with each issue of interest on investment total value, if unequal,
Then through formula (3)~(5) in Final Issue, Interest spread is handled, interest on investment total value-is respectively expected to receive gross interest=benefit
Difference is ceased, fund balancing processing: interest amount=latter stage interest amount+Interest spread after latter stage balance, in this manner,
Guarantee that the total value to also plan is equal with the total value of investment.
In step S134, according to loaning bill information, borrowing balance, the life of loan, Annual Percentage Rate and mode of repayment, root are obtained
Repayment schedule is generated according to four elements.
In step S135, loaning bill information is obtained, is joined by mode of repayment, borrowing balance, borrowing rate, life of loan etc.
Number is produced to also plan, and is treated the amount of money also planned and round up and retain two-decimal processing.
In step S136, according to loaning bill information and plan information to be gone back, the loaning bill gross interest amount of money is calculated and to also total
Interest amount judges whether loan interest total value is equal with each issue of refund gross interest, if unequal, uses calculation formula
(6)~(8), then in Final Issue repayment schedule, by the interest amount after being balanced according to latter stage=latter stage interest amount+benefit
It ceases difference principle and handles funding gap, realize fund balancing.
It realizing loaning bill and investment, loaning bill and repayment schedule, investing with after three kinds of fund balancings such as due-in plan, then needing
Aided algorithm is opened, realizes the fund balancing of repayment schedule and due-in plan, as long as wherein real by formula (8) and (10)
It is existing:
F " '=F " 1+F " 2......+F " n (9)
F " "=F " ' (10)
Wherein F " n is first-phase returned money amount corresponding to each investment；
F " ' is the first phase returned money amount total value of all investments；
F " " is that the amount refunded borrower's first phase uses formula according to the first phase returned money total value F " ' of all investments
(10) judge whether F " " equal with F " ', and the two is equal, then illustrate it is due-in plan with to also plan fund be balance, then be not required to
Handle funds associated therewith；If unequal, illustrate first-phase uneven with due-in plan fund to also plan, that is by F's " '
Value is assigned to the first phase refund amount F " " to borrow money, realizes to also plan and due-in plan fund balancing.
According to related refund returned money standard, the issue of refund and the issue of returned money are equal, according to mode of repayment, have more phases
To also with it is due-in, poll use formula (9) and (10), realize each issue refund and the fund balancing of corresponding returned money amount.
Claims (3)
1. a kind of method of net loan system financial settlement loan fund balance, which comprises the following steps:
S110, server-side receive borrower application borrowing balance solicited message and by request after, by borrower
The application information of borrowing balance push to Third-party payment mechanism, by Third-party payment mechanism, the investment of investor is provided
Gold is transferred to borrower's account；
S120, Third-party payment mechanism adjust back successfully, then judge its return instruction information, if it is successful, statistics borrower refunds
Whether interest amount and the interest on investment amount of all investments are equal, if unequal, open capital settlement balanced algorithm,
Described in capital settlement balanced algorithm according to formula (1)~(2) calculate:
× 100 (1) Z=(X ﹣ Y)；
Y=y " 1+y " 2......+y " n (2)；
Wherein, y " n is every interest on investment total value, and intercepts the decimal point two obtained numerical value of numerical value；
C is the numerical value that the corresponding gross interest decimal point third position obtained starts before intercepting every investment balance；
X is that rounding up for borrower retains the loan interest amount of money of two hours；
Y is the gross interest of all investments；
Z is the investment stroke count that red cent can be added in gross interest；
By the numerical value of each c according to sorting from large to small, wherein if there is at least two identical numerical value in the numerical value of c, according still further to
The investment time sequence of corresponding investor is successively ranked up, and the finally investment corresponding to Z c before being ordered as is intercepting
Red cent is added in the interest amount of two-decimal, remaining sorting position is not added, and corresponds to acquisition after obtaining every investment balance
Gross interest completes fund balancing to make equal with loan interest total value X with this；
S130, it after being calculated via capital settlement balanced algorithm, according to the loaning bill information of borrower, generates accordingly wait meter of refunding
It draws, according to the investing tip of each investor, corresponding every investment generates corresponding returned money plan.
2. the method for net loan system financial settlement loan fund balance as described in claim 1, which is characterized in that the step
In S130, calculated according to formula (3)~(5), judge corresponding acquisition after every investment balance gross interest y " ' n whether with investment
Each issue of returned money gross interest E is equal, if when unequal, at latter stage, Interest spread is calculated according to formula (4), uses
Formula (5) realizes the fund balancing of the interest amount and returned money plan total value of corresponding investment in investment returned money plan latter stage.
E=E ' 1+E ' 2......+E ' n (3)；
Interest spread=y " ' n-E (4)；
Interest amount=investment latter stage interest amount+Interest spread (5) after investing latter stage balance；
E ' n is corresponding due-in each issue of the returned money interest amount in the works of investment, and round up retaining two-decimal
Numerical value, wherein n is more than or equal to 1；
E is all returned money gross interests of investment；
Y " ' n is the interest on investment total value after balance；
The difference that returned money plan gross interest Yu interest on investment total value are calculated by formula (4), using formula (5) investment to
Also Final Issue returned money in the works, completes fund balancing to be gone back；If this target there are more people to invest, (3)~(5) method is used
Poll processing, realizes the fund balancing of every investment.
3. the method for net loan system financial settlement loan fund balance as claimed in claim 2, which is characterized in that according to formula
(6)~(8) it calculates, judges whether the loan interest amount of money of borrower is equal with each issue of borrower of refund gross interest, if
When unequal, at latter stage, borrower's latter stage that borrower's latter stage, which is calculated, according to formula (8) to go back balance after interest volume
Degree:
F=F ' 1+F ' 2......+F ' n (6)；
Interest spread=X-F (7)；
Borrower's latter stage balance after interest amount=borrower's latter stage interest amount+Interest spread (8)；
F ' n is each issue in the corresponding repayment schedule of borrower of refund interest amount, and round up retaining two-decimal
Numerical value, wherein n is integer more than or equal to 1；
F is the refund gross interest of all issues of borrower's repayment schedule；
X is that the loaning bill borrowed money deals with true interest amount；
If there is under F and the unequal situation of X value, then Interest spread is calculated by formula (7), is realized according to formula (8)
Fund balancing in the loaning bill and repayment schedule of borrower.
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201910128445.0A CN109993653A (en) | 2019-02-21 | 2019-02-21 | A kind of method of net loan system financial settlement loan fund balance |
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| CN201910128445.0A CN109993653A (en) | 2019-02-21 | 2019-02-21 | A kind of method of net loan system financial settlement loan fund balance |
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Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN110399533A (en) * | 2019-07-29 | 2019-11-01 | 中国工商银行股份有限公司 | Funds flow querying method and device |
| CN112465621A (en) * | 2019-09-06 | 2021-03-09 | 京东数字科技控股有限公司 | Credit fund data processing method, device, system, medium and electronic equipment |
| CN112991035A (en) * | 2020-12-31 | 2021-06-18 | 苏宁消费金融有限公司 | Custom intelligent bill management method based on customer selected principal |
-
2019
- 2019-02-21 CN CN201910128445.0A patent/CN109993653A/en active Pending
Cited By (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN110399533A (en) * | 2019-07-29 | 2019-11-01 | 中国工商银行股份有限公司 | Funds flow querying method and device |
| CN112465621A (en) * | 2019-09-06 | 2021-03-09 | 京东数字科技控股有限公司 | Credit fund data processing method, device, system, medium and electronic equipment |
| CN112465621B (en) * | 2019-09-06 | 2024-02-09 | 京东科技控股股份有限公司 | Credit withdrawal data processing method, device, system, medium and electronic equipment |
| CN112991035A (en) * | 2020-12-31 | 2021-06-18 | 苏宁消费金融有限公司 | Custom intelligent bill management method based on customer selected principal |
| CN112991035B (en) * | 2020-12-31 | 2022-08-02 | 苏宁消费金融有限公司 | Custom intelligent bill management method based on principal selected by customer |
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Application publication date: 20190709 |