CN110135995A - Financing evaluation processing method, device, computer equipment and storage medium - Google Patents
Financing evaluation processing method, device, computer equipment and storage medium Download PDFInfo
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Abstract
This application involves a kind of, and the financing based on data resource evaluates processing method, device, computer equipment and storage medium.The described method includes: receiving the financing that terminal is sent evaluates request, wherein financing evaluation request includes user identifier, and obtains that user identifier is corresponding to have bought product.Obtain the attribute information for having bought product, utilize default assessment rule, attribute information and preset standard information are compared, acquisition, which has been bought in product, pledges product, and according to the value that can pledge product, the financing evaluation result of user identifier is obtained, financing evaluation result is sent to corresponding terminal.Request can be evaluated for the financing of different user mark using this method, the financing evaluation result of corresponding user identifier is obtained according to the value that can pledge product, avoid the financing evaluation result that user identifier is manually computed under line, reduce human resources consumption, financing evaluation treatment effeciency is further improved, user demand is preferably met.
Description
Technical field
This application involves Internet technical fields, set more particularly to a kind of financing evaluation processing method, device, computer
Standby and storage medium.
Background technique
It is increasingly developed with Internet technology, occur to buy or investing on the net according to user's self-demand
All kinds of finance products, and this kind of investment, finance product usually can bring certain income in respective cycle for user.
The calculation method of the financing evaluation result of trust and investment product and finance product etc. at present on the market, is substantially
It manually computes and gets under line.There is financing needs client, the financing personnel of corresponding company is found under requiring online, according to client
The corresponding market net value of the product bought, holding position of holding and pledge rate etc. at share, manually compute out available amount, then root
According to evaluation result of financing accordingly can be obtained with amount, there is the client of financing needs to make loans according to financing evaluation result.
And can be complex with the calculating process of amount, wherein being directed to the calculating of market net value, there are two types of calculation method, including the same day are net
There is very big risk if calculating with same day net value in the mean value net value of value and nearly one or two months, and net with nearly one or two months
Value mean value then needs a large amount of manpower to support, therefore imitates in such a way that manual calculation under line obtains the financing evaluation result of user
Rate is very low, is not able to satisfy the financing needs of high-volume client.
Summary of the invention
Based on this, it is necessary in view of the above technical problems, provide a kind of financing that can be improved financing evaluation treatment effeciency
Evaluate processing method, device, computer equipment and storage medium.
A kind of financing evaluation processing method, which comprises
It receives the financing that terminal is sent and evaluates request；The financing evaluation request includes user identifier；
Obtain that the user identifier is corresponding to have bought product；
The attribute information for having bought product is obtained, using default assessment rule, by the attribute information and pre- bidding
Calibration information is compared, and obtains described bought in product and pledges product；
According to the value for pledging product, the financing evaluation result of the user identifier is obtained；
The financing evaluation result is sent to corresponding terminal.
The attribute information for having bought product described in the acquisition in one of the embodiments, by the attribute information and
Default assessment rule is compared, and obtains described bought in product and pledges product, comprising:
The attribute information for having bought product is obtained, the attribute information includes product type and value of the product；
It is regular to obtain the corresponding with the product type first default assessment, and corresponding with the value of the product second pre-
If assessment rule；Wherein, the corresponding preset standard product type of the first assessment rule, the second assessment rule are corresponding default
Standardized product value；
According to the described first default assessment rule, the preset standard product type is compared with the product type
It is right, and according to by the described second default assessment rule, the preset standard value of the product is compared with the value of the product
It is right, the satisfactory product of screening acquisition in product has been bought from described, has obtained that product can be pledged.
The value that product can be pledged according in one of the embodiments, obtains melting for the user identifier
Provide evaluation result, comprising:
It obtains and the grade amount coefficient for pledging the corresponding user identifier of product；
According to the grade amount coefficient, corresponding every fund share is matched from database and pledges rate；
According to the grade amount coefficient of the user, current net value, every fund share and rate is pledged, is calculated every
Fund amount size；
Sum operation is carried out to every fund amount, obtains the sum of current every fund amount；
The residue for calculating the user identifier can financing limit size；
Take the sum of described current every fund amount and the residue can minimum value in financing limit, obtain the user
The financing evaluation result of mark.
The product type includes net value type product and non-net value type product in one of the embodiments, described non-net
The current net value of value type product is the newest net value size obtained from database；
Calculate the mode of the current net value of the net value type product, comprising:
Net value mean value in the unit of account time generates the first net value mean value；
The net value mean value in continuous two unit time is calculated, the second net value mean value is generated；
The minimum value in the newest net value, the first mean value net value and the second net value mean value is taken, is generated net
The current net value of value type product.
In one of the embodiments, according to the grade amount coefficient of the user, current net value, every fund share with
And rate is pledged, every fund amount size is calculated, comprising:
According to the current net value of the non-net value type product, every fund share, described pledge rate and the use
The corresponding every fund amount size of non-net value type product is calculated in family grade amount coefficient；
According to the current net value of the net value type product, every fund share, described pledge rate and the user
The corresponding every fund amount size of net value type product is calculated in grade amount coefficient.
The residue for calculating the user identifier can financing limit size in one of the embodiments, comprising:
The personal maximum that user identifier is obtained from database can financing limit and financing limit；
According to the personal maximum can financing limit and the financing limit, residue is calculated can financing limit.
In one of the embodiments, the method also includes:
Establish the user identifier financing evaluation result and the incidence relation pledged between product, and be stored in number
According in library；
In default detection cycle, detects current net value size and pledge whether rate size updates；
When detection obtain the current net value size and it is described pledge rate size update when, remove working as the user identifier
Preceding financing evaluation result, and trigger the update operation of the financing evaluation result of corresponding user identifier.
A kind of financing evaluation processing unit, described device include:
Receiving module, for receiving the financing evaluation request of terminal transmission；Financing evaluation request includes user identifier；
It has bought product and has obtained module, the user identifier is corresponding to have bought product for obtaining；
Product can be pledged and obtain module, it is regular according to default assessment for obtaining the attribute information for having bought product,
The attribute information and preset standard information are compared, described bought in product is obtained and pledges product；
Financing evaluation result obtains module and obtains the user identifier for that can pledge the value of product according to
Financing evaluation result；
Sending module, for the financing evaluation result to be sent to corresponding terminal.
A kind of computer equipment, including memory and processor, the memory are stored with computer program, the processing
Device performs the steps of when executing the computer program
It receives the financing that terminal is sent and evaluates request；The financing evaluation request includes user identifier；
Obtain that the user identifier is corresponding to have bought product；
The attribute information for having bought product is obtained, using default assessment rule, by the attribute information and pre- bidding
Calibration information is compared, and obtains described bought in product and pledges product；
According to the value for pledging product, the financing evaluation result of the user identifier is obtained；
The financing evaluation result is sent to corresponding terminal.
A kind of computer readable storage medium, is stored thereon with computer program, and the computer program is held by processor
It is performed the steps of when row
It receives the financing that terminal is sent and evaluates request；The financing evaluation request includes user identifier；
Obtain that the user identifier is corresponding to have bought product；
The attribute information for having bought product is obtained, using default assessment rule, by the attribute information and pre- bidding
Calibration information is compared, and obtains described bought in product and pledges product；
According to the value for pledging product, the financing evaluation result of the user identifier is obtained；
The financing evaluation result is sent to corresponding terminal.
In above-mentioned financing evaluation processing method, device, computer equipment and storage medium, what server receiving terminal was sent
Financing evaluation request, wherein financing evaluation request includes user identifier, and obtains that user identifier is corresponding to have bought product.It is logical
The attribute information for obtaining and having bought product is crossed, according to default assessment rule, attribute information and preset standard information are compared,
Satisfactory product can be pledged from having bought to obtain in product.Request, root can be evaluated for the financing of different user mark
The financing evaluation result of corresponding user identifier is obtained according to the value that can pledge product, and by the financing evaluation result of user identifier
Counterpart terminal is sent, the financing evaluation result for manually computing user identifier under line is avoided, human resources consumption is reduced, into one
Step improves financing evaluation treatment effeciency, preferably meets user demand.
Detailed description of the invention
Fig. 1 is the application scenario diagram of financing evaluation processing method in one embodiment；
Fig. 2 is the flow diagram of financing evaluation processing method in one embodiment；
Fig. 3 is to obtain flow diagram the step of pledging product bought in product in one embodiment；
Fig. 4 is the structural block diagram of financing evaluation processing unit in one embodiment；
Fig. 5 is the internal structure chart of computer equipment in one embodiment.
Specific embodiment
It is with reference to the accompanying drawings and embodiments, right in order to which the objects, technical solutions and advantages of the application are more clearly understood
The application is further elaborated.It should be appreciated that specific embodiment described herein is only used to explain the application, not
For limiting the application.
Financing provided by the present application evaluates processing method, can be applied in application environment as shown in Figure 1.Wherein, eventually
End 102 is communicated with server 104 by network.Server 104 receives the financing that terminal 102 is sent and evaluates request, financing
Evaluation request includes user identifier, and obtains that user identifier is corresponding to have bought product.Product has been bought in the acquisition of server 104
Attribute information, and according to default assessment rule, attribute information and preset standard information are compared, acquisition has been bought in product
Pledge product.According to the value that can pledge product, the financing evaluation result of user identifier is obtained, and the evaluation result that will finance
It is sent to corresponding terminal 102.Wherein, terminal 102 can be, but not limited to be various personal computers, laptop, intelligence
Mobile phone and tablet computer.Server 104 can with the server cluster of independent server either multiple servers composition come
It realizes.
In one embodiment, as shown in Fig. 2, providing a kind of financing evaluation processing method, it is applied to Fig. 1 in this way
In server for be illustrated, comprising the following steps:
S202, the financing that server receiving terminal is sent evaluate request, and financing evaluation request includes user identifier.
Specifically, there are corresponding relationship between user identifier and financing evaluation request, different user mark correspondence is different
Financing evaluation request can ask after server receives the financing evaluation request of terminal transmission according to user identifier and financing evaluation
Corresponding relationship between asking obtains and evaluates the corresponding user identifier of request with financing, and being calculated that user identifier is corresponding can
Total financing degree, according to user identifier it is corresponding can total financing degree, produce user identifier financing evaluation result.
S204, server obtain that user identifier is corresponding has bought product.
Specifically, between the product of purchase under user identifier and user name there are corresponding relationship, server can according to
Family identifies and has bought the corresponding relationship between product, obtains that user identifier is corresponding to have bought product.Wherein, product has been bought
The finance product bought or invested according to self-demand for user, including trust products, bank financial product and security
Investment and financing products etc..
S206, server obtain the attribute information for having bought product, using default assessment rule, by attribute information and preset
Standard information is compared, and acquisition, which has been bought in product, pledges product.
Specifically, server obtains the attribute information for having bought product, and the attribute information of product includes product type and production
Product value.Server is obtained corresponding with value of the product by obtaining the corresponding with product type first default assessment rule
Second default assessment rule, wherein the first corresponding preset standard product type of assessment rule, the corresponding pre- bidding of the second assessment rule
Quasi- value of the product.Rule is assessed by presetting according to first, preset standard product type is compared with product type, and
According to the second default assessment rule, preset standard value of the product is compared with value of the product, is screened from having bought in product
Satisfactory product is obtained, product can be as pledged.
Wherein, expression is pledged during pledging, and is received the side pledged, is had the right to handle collateral security, such as sell off,
After pledging, the assets that would be equivalent to collateral security return the side of pledging.Financed amount is the quasi- financed amount that enterprise proposes, general to look forward to
It needs to propose when the examination & approval of retribution for sins stock supervisory committee, issued amount, quasi- financed amount and financing project are invested etc., it sends out careful committee's examination & approval and passes through
Afterwards, this quasi- financed amount is exactly financing limit.For users, can financing limit indicate user using the product bought as matter
Wagering carries out the amount size of request for funds to enterprise.
Further, the first default assessment rule is sent out for user in terminal for carrying out screening assessment to product type
The financing evaluation request sent, the first default assessment rule can filter out the product that the side for meeting and receiving to pledge requires, that is, screen
Out as the bank for the side for receiving to pledge or enterprise etc., acceptable product type.Wherein, the type of finance product includes letter
Tropsch products, bank financial product and investment securities finance product etc., after the screening of the first default assessment rule, such as needle
To bank, then acceptable product type includes bank financial product, and for enterprise, acceptable product type includes that trust produces
Product.
While being screened using the first preset rules to product type, using the second default assessment rule to product
Value is assessed and is screened, wherein and the second preset rules can be used for the threshold value setting to value of the product, in the present embodiment,
The default minimum of value of the product is 100,000 yuan, that is to say, that when user identifier is corresponding bought product value of the product it is high
When 100,000 yuan of default minimum, for different product type, it can be received respectively by bank or enterprise as product can be pledged.When
When the corresponding value of the product for having bought product of user identifier is lower than default minimum, then this has bought product, and can not be used as can
It pledges product and obtains fund from bank or enterprise.
S208, server obtain the financing evaluation result of user identifier according to the value that can pledge product.
Specifically, server obtains the grade amount coefficient of user identifier corresponding with that can pledge product, and according to grade
Amount coefficient matches corresponding every fund share from database and pledges rate.And then according to the grade amount coefficient of user,
Current net value, every fund share and rate is pledged, every fund amount size, then every reward for writing or painting amount of money to acquisition is calculated
Degree carries out sum operation, obtains the sum of current every fund amount.Calculate user identifier residue can financing limit size, and take
The sum of current every fund amount with it is remaining can minimum value in financing limit, obtain the financing evaluation result of user identifier.
Wherein, the grade amount coefficient of user identifier is enterprise work personnel according to business rule, is set for different user
It sets to obtain, can be the value of the product bought according to user and quantity etc. and judge, Most users are mostly identical general
Logical grade.The rate of pledging refers to the ratio of loan principal and standard warehouse receipt market value, generally according to the price differential and price of futures and stock
The factors such as fluctuating range, trend rationally determine.Server can be according between preset grade amount coefficient and every fund share
Corresponding relationship, obtain corresponding with the grade amount coefficient that active user identifies every fund share, and from database
Rate is pledged with newest.
Specifically, according to product type, product can be divided into net value type product and non-net value type product, for different product
The product of type, the calculation of current net value be not also identical.
Wherein, the current net value of non-net value type product is the newest net value size obtained from database.
The calculation of the current net value of net value type product includes: the net value mean value in the unit of account time, generates first
Net value mean value calculates the net value mean value in continuous two unit time, generates the second net value mean value.Take newest net value, first
The minimum value being worth in net value and the second net value mean value generates the current net value of net value type product.
Further, it for net value type product, can will be set as the unit time one month, therefore corresponding current net value is big
Small needs calculate preceding 1 month net value mean value and preceding 2 months net value mean values, then take newest net value and preceding 1 month net value mean value with
And the minimum value in preceding 2 months net value mean values.Wherein, it is tired to refer to that the original value of fixed assets or complete replacement value subtract for net value
Meter illustrates the remaining sum after the present amount of depreciation of fixed assets.Depreciated value reflects the existing value after fixed assets experience wear, practical
Occupied fund number shows that the newness degree of existing fixed assets and its place people set face effect compared with the original value of fixed assets
The general condition of rate.
Specifically, it due to the calculation of current net value size, is respectively corresponded with net value type product and non-net value type product,
Therefore, the calculation of every fund amount, it is also corresponding with non-net value type product and net value type product respectively, specific as follows:
Every fund amount (non-net value type product)=every newest net value * of fund share * pledges rate * user gradation amount
Every fund amount of coefficient, i.e., non-net value type product is every fund share, newest net value, pledges rate and user gradation volume
Spend the product of coefficient.
Every fund amount (net value type product)=every fund share * min (newest net value, net value in the unit time
Mean value, the net value mean value in continuous two unit time) * pledges rate * user gradation amount coefficient, i.e. every of net value type product
The calculating of fund amount needs to take newest net value, the net value mean value in the unit time and net in continuous two unit time
The minimum value being worth in mean value is big by the net value for calculating every fund share, being included in calculating as the net value size for being included in calculating
Product that is small, pledging rate and user gradation amount coefficient is obtaining as a result, every fund amount of as net value type product is big
It is small.
Further, it is remaining can financing limit by calculate user personal maximum can financing limit and financing limit it
Difference obtains, and since current net value size is in change state, and the size variation of net value can directly result in the value variation of assets,
For that will be that user's bring risk of providing with funds reduces as much as possible, need to take the sum of current every fund amount that can melt with residue
Provide amount in minimum value, generate user can total financing degree, obtain the financing evaluation result of user identifier.
Financing evaluation result is sent to corresponding terminal by S210, server.
Specifically, server by the user being calculated can total financing degree, as user identifier financing evaluate knot
Fruit sends and requests corresponding terminal as financing evaluation.
In above-mentioned financing evaluation processing method, the financing that server receiving terminal is sent evaluates request, wherein financing evaluation
Request includes user identifier, and obtains that user identifier is corresponding to have bought product.The attribute information of product has been bought by obtaining,
And attribute information and default assessment rule are compared, satisfactory product can be pledged from having bought to obtain in product.
Request can be evaluated for the financing of different user mark, the financing of corresponding user identifier is obtained according to the value that can pledge product
Evaluation result, and the financing evaluation result of user identifier is sent into counterpart terminal, it avoids and manually computes user identifier under line
Financing evaluation result reduces human resources consumption, further improves financing evaluation treatment effeciency, preferably meets user's need
It asks.
In one embodiment, as shown in figure 3, providing a kind of step for pledging product for obtaining and having bought in product
Suddenly, that is, the attribute information for having bought product is obtained, using preset rules, attribute information and preset standard information are compared,
Obtain bought in product the step of pledging product, include the steps that following S302 to S306:
S302, server obtain the attribute information for having bought product, and attribute information includes product type and value of the product.
S304, it is regular that server obtains the first default assessment corresponding with product type, and corresponding with value of the product the
Two default assessment rules.Wherein, the first corresponding preset standard product type of assessment rule, the second corresponding preset standard of assessment rule
Value of the product.
Specifically, the first default assessment rule is sent for user in terminal for carrying out screening assessment to product type
Financing evaluate request, the first default assessment rule can filter out the product that the side for meeting and receiving to pledge requires, that is, filter out
As the bank for the side for receiving to pledge or enterprise etc., acceptable product type.
Second preset rules can be used for the threshold value setting to value of the product, ask for user in the financing evaluation that terminal is sent
Ask, the second default assessment Rules Filtering goes out the product that the side for meeting and receiving to pledge requires, i.e., screening bank or enterprise allow into
The value of the product attribute that row is pledged.
Preset standard product type is compared with product type according to the first default assessment rule for S306, server,
And according to the second default assessment rule, preset standard value of the product is compared with value of the product, from having bought in product
Screening obtains satisfactory product, obtains that product can be pledged.
Wherein, the type of finance product includes trust products, bank financial product and investment securities finance product etc., root
After presetting assessment rule to the screening of product type according to first, such as bank, then acceptable product type includes bank
Finance product, for enterprise, acceptable product type includes trust products.
While being screened using the first preset rules to product type, using the second default assessment rule to product
Value is assessed and is screened, and in the present embodiment, can set the default minimum of value of the product to 100,000 yuan, that is,
It says, when user identifier is corresponding has bought the value of the product of product higher than default 100,000 yuan of minimum, for different product class
Type can be received by bank or enterprise as that can pledge product respectively.The value of the product of product has been bought when user identifier is corresponding
When lower than default minimum, then this has bought product, can not obtain fund from bank or enterprise as that can pledge product.
In above-mentioned steps, server is by regular using the first default assessment, by preset standard product type and product class
Type is compared, and according to the second default assessment rule, preset standard value of the product is compared with value of the product, from
It buys screening in product and obtains satisfactory product, obtain that product can be pledged.It realizes according to default assessment rule to having purchased
The screening for buying product, without screening one by one to oneself product of purchase under one's name under user's line, product can be pledged by improving
Screening efficiency.
In one embodiment, the value of product can be pledged by providing a kind of basis, obtain the financing evaluation of user identifier
As a result the step of, comprising:
Server obtains the grade amount coefficient of user identifier corresponding with that can pledge product；According to grade amount coefficient,
Corresponding every fund share is matched from database and pledges rate；According to grade amount coefficient, the current net value, every of user
Fund share and rate is pledged, every fund amount size is calculated；Sum operation is carried out to every fund amount, is worked as
The sum of preceding every fund amount；The residue for calculating user identifier can financing limit size；Take the sum of current every fund amount with
Residue can minimum value in financing limit, obtain the financing evaluation result of user identifier.
Specifically, the grade amount coefficient of user identifier is enterprise work personnel according to business rule, for different user
Setting obtains, and server can obtain and work as according to the corresponding relationship between preset grade amount coefficient and every fund share
The corresponding every fund share of the grade amount coefficient of preceding user identifier, and match from database and newest to pledge rate.
Further, according to product type, product can be divided into net value type product and non-net value type product, for different productions
The product of category type, the calculation of current net value be not also identical.
Wherein, the current net value of non-net value type product is the newest net value size obtained from database.
The calculation of the current net value of net value type product includes: the net value mean value in the unit of account time, generates first
Net value mean value calculates the net value mean value in continuous two unit time, generates the second net value mean value.Take newest net value, first
The minimum value being worth in net value and the second net value mean value generates the current net value of net value type product.
Due to the calculation of current net value size, respectively corresponded with net value type product and non-net value type product, therefore, often
The calculation of fund amount, it is also corresponding with non-net value type product and net value type product respectively, specific as follows:
Every fund amount (non-net value type product)=every newest net value * of fund share * pledges rate * user gradation amount
Every fund amount of coefficient, i.e., non-net value type product is every fund share, newest net value, pledges rate and user gradation volume
Spend the product of coefficient.
Every fund amount (net value type product)=every fund share * min (newest net value, net value in the unit time
Mean value, the net value mean value in continuous two unit time) * pledges rate * user gradation amount coefficient, i.e. every of net value type product
The calculating of fund amount needs to take newest net value, the net value mean value in the unit time and net in continuous two unit time
The minimum value being worth in mean value is big by the net value for calculating every fund share, being included in calculating as the net value size for being included in calculating
Product that is small, pledging rate and user gradation amount coefficient is obtaining as a result, every fund amount of as net value type product is big
It is small.
Further, it is remaining can financing limit by calculate user personal maximum can financing limit and financing limit it
Difference obtains, and since current net value size is in change state, and the size variation of net value can directly result in the value variation of assets,
For that will be that user's bring risk of providing with funds reduces as much as possible, need to take the sum of current every fund amount that can melt with residue
Provide amount in minimum value, generate user can total financing degree, obtain the financing evaluation result of user identifier.
In above-mentioned steps, server is according to the grade amount coefficient of user, current net value, every fund share and pledges
Rate is calculated every fund amount size, and carries out sum operation to every fund amount, obtains current every fund amount
The sum of.Calculate user identifier residue can financing limit size, and the sum of taking current every fund amount can financed amount with residue
Minimum value in degree obtains the financing evaluation result of user identifier, and user can provide with funds bring risk as much as possible
It reduces as much as possible, reinforces Risk-warning effect.
In one embodiment, a kind of financing evaluation processing method is provided, product type includes net value type product and non-
Net value type product, the current net value of non-net value type product are the newest net value size obtained from database；
Calculate the mode of the current net value of net value type product, comprising: the net value mean value in the unit of account time generates first
Net value mean value；The net value mean value in continuous two unit time is calculated, the second net value mean value is generated；Take newest net value, first
The minimum value being worth in net value and the second net value mean value generates the current net value of net value type product.
Specifically, for non-net value type product, current net value is the newest net value size obtained from database.For net
Value type product, unit time can be set to one month, and therefore, corresponding current net value size needs to calculate preceding 1 month net value
Mean value and preceding 2 months net value mean values, then take in newest net value and preceding 1 month net value mean value and preceding 2 months net value mean values
Minimum value.
Above-mentioned financing evaluates processing method, for different product type, including net value type product and non-net value type product,
Corresponding current net value calculation is provided, advantageously ensures that the stability and accuracy of current net value size.
In one embodiment, a kind of grade amount coefficient, current net value, every fund share according to user is provided
And the step of pledging rate, every fund amount size is calculated, comprising:
Server according to the current net value of non-net value type product, every fund share, pledge rate and user gradation amount
The corresponding every fund amount size of non-net value type product is calculated in coefficient；According to the current net value of net value type product, every
Fund share pledges rate and user gradation amount coefficient, and the corresponding every fund amount size of net value type product is calculated.
Specifically, it due to the calculation of current net value size, is respectively corresponded with net value type product and non-net value type product,
Therefore, the calculation of every fund amount, it is also corresponding with non-net value type product and net value type product respectively, specific as follows:
Every fund amount (non-net value type product)=every newest net value * of fund share * pledges rate * user gradation amount
Every fund amount of coefficient, i.e., non-net value type product is every fund share, newest net value, pledges rate and user gradation volume
Spend the product of coefficient.
Every fund amount (net value type product)=every fund share * min (newest net value, net value in the unit time
Mean value, the net value mean value in continuous two unit time) * pledges rate * user gradation amount coefficient, i.e. every of net value type product
The calculating of fund amount needs to take newest net value, the net value mean value in the unit time and net in continuous two unit time
The minimum value being worth in mean value is big by the net value for calculating every fund share, being included in calculating as the net value size for being included in calculating
Product that is small, pledging rate and user gradation amount coefficient is obtaining as a result, every fund amount of as net value type product is big
It is small.
Above-mentioned steps each provide correspondence for different product type, including non-net value type product and net value type product
Every fund amount calculation, ensure that the accuracy of every fund amount size of different product, further improve
Working efficiency.
In one embodiment, provide it is a kind of calculate user identifier residue can financing limit size the step of, comprising:
The personal maximum that server obtains user identifier from database can financing limit and financing limit；According to individual
Maximum can financing limit and financing limit, residue is calculated can financing limit.
Specifically, it is remaining can financing limit can financing limit and the difference of financing limit by calculating the personal maximum of user
It obtains.Wherein, the personal maximum of user can financing limit indicate to pledge what product was calculated according to all under user name
Maximum can financing limit, financing limit then indicates that user, will be personal from bank or the amount size of enterprise's request for funds
Maximum can financing limit size subtract financing limit size, can get user residue can financing limit size.
In above-mentioned steps, server according to the personal maximum of user identifier can financing limit and the difference of financing limit, obtain
To user identifier residue can financing limit size, calculation is relatively simple, further improves working efficiency.
In one embodiment, a kind of financing evaluation processing method is provided, further includes:
Server establishes the financing evaluation result of user identifier and can pledge the incidence relation between product, and is stored in data
In library；In default detection cycle, detects current net value size and pledge whether rate size updates；When detection obtains current net value
When size is with the update of rate size is pledged, the current financing evaluation result of user identifier is removed, and trigger melting for corresponding user identifier
Provide the update operation of evaluation result.
Specifically, server obtains the financing evaluation result of different user mark, and corresponds to pledging for user identifier
Product establishes corresponding relationship respectively, that is to say, that can be given birth to according to the value of the product for pledging product of different user under one's name
At the different financing evaluation result of correspondence.
Wherein, presetting detection cycle indicates the current net value of server periodic detection and pledges the rate whether changed period
Duration in the present embodiment can set default detection cycle to one month, the current net value of periodic detection and pledge rate every month
Situation of change timely update as latest value, and remove melting for user identifier and when current net value and the rate of pledging change
Provide evaluation result, i.e., removing user identifier can financing limit size, while triggering the financing evaluation result of user identifier more
New operation is recalculated to obtain financing evaluation result.
Above-mentioned financing evaluates processing method, and server judges current net value size and pledge rate in default detection cycle
Whether size updates, and when detection obtains current net value size and pledges the update of rate size, removes the current financing of user identifier
Evaluation result, and trigger the update operation of the financing evaluation result of corresponding user identifier.Realize the current net value of periodic detection and
Rate is pledged, and according to current net value and the update status for pledging rate, triggers the financing evaluation result of user identifier, Neng Goubao in time
Card financing evaluation result timely updates.
It should be understood that although each step in the flow chart of Fig. 2-3 is successively shown according to the instruction of arrow,
These steps are not that the inevitable sequence according to arrow instruction successively executes.Unless expressly stating otherwise herein, these steps
Execution there is no stringent sequences to limit, these steps can execute in other order.Moreover, at least one in Fig. 2-3
Part steps may include that perhaps these sub-steps of multiple stages or stage are not necessarily in synchronization to multiple sub-steps
Completion is executed, but can be executed at different times, the execution sequence in these sub-steps or stage is also not necessarily successively
It carries out, but can be at least part of the sub-step or stage of other steps or other steps in turn or alternately
It executes.
In one embodiment, as shown in figure 4, providing a kind of financing evaluation processing unit, comprising: receiving module 402,
Product has been bought to obtain module 404, product acquisition module 406, financing evaluation result acquisition module 408 can be pledged and send mould
Block 410, in which:
Receiving module 402, for receiving the financing evaluation request of terminal transmission, wherein financing evaluation request includes user
Mark.
It has bought product and has obtained module 404, user identifier is corresponding to have bought product for obtaining.
Product can be pledged and obtain module 406, it is regular using default assessment for obtaining the attribute information for having bought product,
Attribute information and preset standard information are compared, acquisition, which has been bought in product, pledges product.
Evaluation result of financing obtains module 408, for according to the value that can pledge product, the financing for obtaining user identifier to be commented
Valence result.
Sending module 410, for that will finance, evaluation result is sent to corresponding terminal.
In above-mentioned financing evaluation processing unit, the financing that server receiving terminal is sent evaluates request, wherein financing evaluation
Request includes user identifier, and obtains that user identifier is corresponding to have bought product.The attribute information of product has been bought by obtaining,
And using default assessment rule, attribute information and preset standard information are compared, can be met from having bought to obtain in product
It is required that pledge product.Request can be evaluated for the financing of different user mark, phase is obtained according to the value that can pledge product
The financing evaluation result for the user identifier answered, and the financing evaluation result of user identifier is sent into counterpart terminal, it avoids under line
The financing evaluation result for manually computing user identifier reduces human resources consumption, further improves financing evaluation processing effect
Rate preferably meets user demand.
In one embodiment, product acquisition module can be pledged by providing one kind, be also used to:
The attribute information for having bought product is obtained, attribute information includes product type and value of the product；It obtains and product class
The corresponding first default assessment rule of type, and the corresponding with value of the product second default assessment rule；Wherein, the first assessment rule
Corresponding preset standard product type, the second corresponding preset standard value of the product of assessment rule；It, will according to the first default assessment rule
Pre-standard product type is compared with product type, and according to the second default assessment rule, by preset standard product valence
Value is compared with value of the product, obtains satisfactory product from screening in product has been bought, obtains that product can be pledged.
Above-mentioned product of pledging obtains module, and server is by comparing the first default assessment rule with product type
It is right, and the second default assessment rule is compared with value of the product, from having bought, screening acquisition in product is satisfactory
Product obtains that product can be pledged.The screening according to default assessment rule to product has been bought is realized, is not necessarily under user's line one by one
Oneself product of purchase under one's name is screened, the screening efficiency that can pledge product is improved.
In one embodiment, a kind of financing evaluation result acquisition module is provided, is also used to:
Obtain the grade amount coefficient of user identifier corresponding with product can be pledged；According to grade amount coefficient, from data
Corresponding every fund share is matched in library and pledges rate；According to the grade amount coefficient, current net value, every fund part of user
Volume and rate is pledged, every fund amount size is calculated；Sum operation is carried out to every fund amount, is obtained every current
The sum of fund amount；The residue for calculating user identifier can financing limit size；Take the sum of current every fund amount can with residue
Minimum value in financing limit obtains the financing evaluation result of user identifier.
Above-mentioned financing evaluation result obtains module, and server is according to the grade amount coefficient of user, current net value, every reward for writing or painting
Golden share and rate is pledged, every fund amount size is calculated, and sum operation is carried out to every fund amount, is worked as
The sum of preceding every fund amount.Calculate user identifier residue can financing limit size, and the sum of take current every fund amount
With it is remaining can minimum value in financing limit, obtain the financing evaluation result of user identifier, user can be provided as much as possible
Fund bring risk reduces as much as possible, reinforces Risk-warning effect.
In one embodiment, a kind of current net value computing module is provided, product type includes net value type product and non-
Net value type product, current net value computing module are used for:
The current net value of non-net value type product is the newest net value size obtained from database；
Calculate the current net value of net value type product, comprising:
Net value mean value in the unit of account time generates the first net value mean value；It calculates net in continuous two unit time
It is worth mean value, generates the second net value mean value；The minimum value in newest net value, the first mean value net value and the second net value mean value is taken, it is raw
At the current net value of net value type product.
Above-mentioned current net value computing module, for different product type, including net value type product and non-net value type product,
Corresponding current net value calculation is provided, advantageously ensures that the stability and accuracy of current net value size.
In one embodiment, a kind of every fund amount size computing unit is provided, is used for:
According to the current net value of non-net value type product, every fund share, rate and user gradation amount coefficient are pledged, is counted
Calculation obtains the corresponding every fund amount size of non-net value type product；
According to the current net value of net value type product, every fund share, rate and user gradation amount coefficient are pledged, is calculated
Obtain the corresponding every fund amount size of net value type product.
Above-mentioned every fund amount size computing unit, for different product type, including non-net value type product and net value
Type product each provides corresponding every fund amount calculation, ensure that every fund amount size of different product
Accuracy, further improve working efficiency.
In one embodiment, provide a kind of residue can financing limit computing unit, be used for:
The personal maximum that user identifier is obtained from database can financing limit and financing limit；It can according to personal maximum
Financing limit and financing limit, residue is calculated can financing limit.
Above-mentioned residue can financing limit computing unit, server can financing limit and according to the personal maximum of user identifier
The difference of financing limit, obtain user identifier residue can financing limit size, calculation is relatively simple, further improves work
Make efficiency.
In one embodiment, a kind of financing evaluation processing unit is provided, further includes financing evaluation update module, uses
In:
It establishes the financing evaluation result of user identifier and the incidence relation between product can be pledged, and be stored in database；
In default detection cycle, detects current net value size and pledge whether rate size updates；When detection obtains current net value size
When with pledging the update of rate size, the current financing evaluation result of user identifier is removed, and the financing for triggering corresponding user identifier is commented
The update of valence result operates.
Above-mentioned financing evaluates processing unit, and server judges current net value size and pledge rate in default detection cycle
Whether size updates, and when detection obtains current net value size and pledges the update of rate size, removes the current financing of user identifier
Evaluation result, and trigger the update operation of the financing evaluation result of corresponding user identifier.Realize the current net value of periodic detection and
Rate is pledged, and according to current net value and the update status for pledging rate, triggers the financing evaluation result of user identifier, Neng Goubao in time
Card financing evaluation result timely updates.
Specific about financing evaluation processing unit limits the limit that may refer to above for financing evaluation processing method
Fixed, details are not described herein.Modules in above-mentioned financing evaluation processing unit can fully or partially through software, hardware and its
Combination is to realize.Above-mentioned each module can be embedded in the form of hardware or independently of in the processor in computer equipment, can also be with
It is stored in the memory in computer equipment in a software form, in order to which processor calls the above modules of execution corresponding
Operation.
In one embodiment, a kind of computer equipment is provided, which can be server, internal junction
Composition can be as shown in Figure 5.The computer equipment include by system bus connect processor, memory, network interface and
Database.Wherein, the processor of the computer equipment is for providing calculating and control ability.The memory packet of the computer equipment
Include non-volatile memory medium, built-in storage.The non-volatile memory medium is stored with operating system, computer program and data
Library.The built-in storage provides environment for the operation of operating system and computer program in non-volatile memory medium.The calculating
The database of machine equipment is for storing financing evaluation data.The network interface of the computer equipment is used to pass through with external terminal
Network connection communication.To realize a kind of financing evaluation processing method when the computer program is executed by processor.
It will be understood by those skilled in the art that structure shown in Fig. 5, only part relevant to application scheme is tied
The block diagram of structure does not constitute the restriction for the computer equipment being applied thereon to application scheme, specific computer equipment
It may include perhaps combining certain components or with different component layouts than more or fewer components as shown in the figure.
In one embodiment, a kind of computer equipment, including memory and processor are provided, which is stored with
Computer program, the processor realize the step in above-mentioned each embodiment of the method when executing computer program.
In one embodiment, a kind of computer readable storage medium is provided, computer program is stored thereon with, is calculated
Machine program realizes the step in above-mentioned each embodiment of the method when being executed by processor.
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 computer program can be stored in a non-volatile computer
In read/write memory medium, the computer program is when being executed, it may include such as the process of the embodiment of above-mentioned each method.Wherein,
To any reference of memory, storage, database or other media used in each embodiment provided herein,
Including non-volatile and/or volatile memory.Nonvolatile memory may include read-only memory (ROM), programming ROM
(PROM), electrically programmable ROM (EPROM), electrically erasable ROM (EEPROM) or flash memory.Volatile memory may include
Random access memory (RAM) or external cache.By way of illustration and not limitation, RAM is available in many forms,
Such as static state RAM (SRAM), dynamic ram (DRAM), synchronous dram (SDRAM), double data rate sdram (DDRSDRAM), enhancing
Type SDRAM (ESDRAM), synchronization link (Synchlink) DRAM (SLDRAM), memory bus (Rambus) direct RAM
(RDRAM), direct memory bus dynamic ram (DRDRAM) and memory bus dynamic ram (RDRAM) etc..
Each technical characteristic of above embodiments can be combined arbitrarily, for simplicity of description, not to above-described embodiment
In each technical characteristic it is all possible combination be all described, as long as however, the combination of these technical characteristics be not present lance
Shield all should be considered as described in this specification.
The several embodiments of the application above described embodiment only expresses, the description thereof is more specific and detailed, but simultaneously
It cannot therefore be construed as limiting the scope of the patent.It should be pointed out that coming for those of ordinary skill in the art
It says, without departing from the concept of this application, various modifications and improvements can be made, these belong to the protection of the application
Range.Therefore, the scope of protection shall be subject to the appended claims for the application patent.
Claims (10)
1. a kind of financing evaluates processing method, which comprises
It receives the financing that terminal is sent and evaluates request；The financing evaluation request includes user identifier；
Obtain that the user identifier is corresponding to have bought product；
The attribute information for having bought product is obtained, using default assessment rule, the attribute information and preset standard are believed
Breath is compared, and obtains described bought in product and pledges product；
According to the value for pledging product, the financing evaluation result of the user identifier is obtained；
The financing evaluation result is sent to corresponding terminal.
2. being incited somebody to action the method according to claim 1, wherein having bought the attribute information of product described in the acquisition
The attribute information and default assessment rule are compared, and obtain described bought in product and pledge product, comprising:
The attribute information for having bought product is obtained, the attribute information includes product type and value of the product；
Obtain the first default assessment rule corresponding with the product type, and corresponding with the value of the product second presets and comment
Estimate rule；Wherein, the corresponding preset standard product type of the first assessment rule, the corresponding preset standard of the second assessment rule
Value of the product；
According to the described first default assessment rule, the preset standard product type is compared with the product type, with
And according to the described second default assessment rule, the preset standard value of the product is compared with the value of the product, from institute
It states and has bought the satisfactory product of screening acquisition in product, obtain that product can be pledged.
3. according to the method described in claim 2, it is characterized in that, the value that can pledge product according to, obtains institute
State the financing evaluation result of user identifier, comprising:
It obtains and the grade amount coefficient for pledging the corresponding user identifier of product；
According to the grade amount coefficient, corresponding every fund share is matched from database and pledges rate；
According to the grade amount coefficient of the user, current net value, every fund share and rate is pledged, every reward for writing or painting is calculated
Amount of money degree size；
Sum operation is carried out to every fund amount, obtains the sum of current every fund amount；
The residue for calculating the user identifier can financing limit size；
Take the sum of described current every fund amount and the residue can minimum value in financing limit, obtain the user identifier
Financing evaluation result.
4. according to the method described in claim 3, it is characterized in that, the product type includes net value type product and non-net value type
Product, the current net value of the non-net value type product are the newest net value size obtained from database；
Calculate the mode of the current net value of the net value type product, comprising:
Net value mean value in the unit of account time generates the first net value mean value；
The net value mean value in continuous two unit time is calculated, the second net value mean value is generated；
The minimum value in the newest net value, the first mean value net value and the second net value mean value is taken, net value type is generated
The current net value of product.
5. according to the method described in claim 4, it is characterized in that, according to the grade amount coefficient of the user, current net value,
Every fund share and rate is pledged, every fund amount size is calculated, comprising:
According to the current net value of the non-net value type product, every fund share, described pledge rate and the user etc.
Grade amount coefficient, is calculated the corresponding every fund amount size of non-net value type product；
According to the current net value of the net value type product, every fund share, described pledge rate and the user gradation
The corresponding every fund amount size of net value type product is calculated in amount coefficient.
6. according to the method described in claim 3, it is characterized in that, the residue for calculating the user identifier can financing limit
Size, comprising:
The personal maximum that user identifier is obtained from database can financing limit and financing limit；
According to the personal maximum can financing limit and the financing limit, residue is calculated can financing limit.
7. according to the method described in claim 3, it is characterized in that, the method also includes:
Establish the user identifier financing evaluation result and the incidence relation pledged between product, and be stored in database
In；
In default detection cycle, detects current net value size and pledge whether rate size updates；
When detection obtain the current net value size and it is described pledge rate size update when, remove the user identifier currently melt
Evaluation result is provided, and triggers the update operation of the financing evaluation result of corresponding user identifier.
8. a kind of financing evaluates processing unit, which is characterized in that described device includes:
Receiving module, for receiving the financing evaluation request of terminal transmission；The financing evaluation request includes user identifier；
It has bought product and has obtained module, the user identifier is corresponding to have bought product for obtaining；
Product can be pledged and obtain module, for obtaining the attribute information for having bought product, using default assessment rule, by institute
It states attribute information and preset standard information is compared, obtain described bought in product and pledge product；
Financing evaluation result obtains module and obtains the financing of the user identifier for that can pledge the value of product according to
Evaluation result；
Sending module, for the financing evaluation result to be sent to corresponding terminal.
9. a kind of computer equipment, including memory and processor, the memory are stored with computer program, feature exists
In the step of processor realizes any one of claims 1 to 7 the method when executing the computer program.
10. a kind of computer readable storage medium, is stored thereon with computer program, which is characterized in that the computer program
The step of method described in any one of claims 1 to 7 is realized when being executed by processor.
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| CN112633925A (en) * | 2020-12-21 | 2021-04-09 | 深圳壹账通智能科技有限公司 | Method and device for evaluating value of article, computer equipment and storage medium |
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