CN110348981A - Loan air control method and device, electronic equipment and computer readable storage medium - Google Patents
Loan air control method and device, electronic equipment and computer readable storage medium Download PDFInfo
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- CN110348981A CN110348981A CN201910422687.0A CN201910422687A CN110348981A CN 110348981 A CN110348981 A CN 110348981A CN 201910422687 A CN201910422687 A CN 201910422687A CN 110348981 A CN110348981 A CN 110348981A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/03—Credit; Loans; Processing thereof
Abstract
The invention proposes a kind of loan air control method and device, electronic equipment and computer readable storage medium, it is related to researching and developing administrative skill field, this method comprises: obtaining the loan requests of enterprise；According to the loan requests, resource consumption information and social security information of the enterprise in scheduled duration are obtained；According to the resource consumption information, the first air control information is calculated, and according to the social security information, calculates the second air control information；By the first air control information and the predetermined loan air control model of the second air control information input, to obtain the reference result supplemental information of the enterprise of the predetermined loan air control model output.According to the technical solution of the present invention, facilitate the true business condition of bank validation enterprise, and the reference result to this true business condition is added in the reference result to the financial information on enterprise's book, improve the safety and validity of business loan air control, the financing security of bank's lending is improved, bad debt risk is reduced.
Description
[technical field]
The present invention relates to research and development administrative skill field more particularly to a kind of loan air control method and device, electronic equipment and
Computer readable storage medium.
[background technique]
Currently, income and expenses of the enterprise in the predetermined time limit in the loan requests of audit enterprise, are often inquired by bank
Etc. financial information, judge whether enterprise is in effective profit state to generate reference result, and then determine whether to make loans for it.
However, the financial information such as balance of payment position of enterprise can artificially be created through some approach, due to that can not judge on enterprise's book
Financial information it is whether true and reliable, the lending behavior of bank has certain risk.
Therefore, the financing security that the reliability and bank for how promoting enterprise's reference result are made loans, becomes at present urgently
The technical issues of solution.
[summary of the invention]
The embodiment of the invention provides a kind of loan air control method and device, electronic equipment and computer-readable storage mediums
Matter, it is intended to bank assesses in the related technology enterprise's reference result not necessarily true and reliable technical problem is solved, it can
A kind of new firms reference assessment mode is provided, the reliability of enterprise's reference result is promoted, to ensure the fund that bank makes loans
Safety.
In a first aspect, the embodiment of the invention provides a kind of loan air control methods, comprising: obtain the loan requests of enterprise；
According to the loan requests, resource consumption information and social security information of the enterprise in scheduled duration are obtained；According to the money
Source consumption information calculates the first air control information, and according to the social security information, calculates the second air control information；By described first
Air control information and the predetermined loan air control model of the second air control information input, to obtain the predetermined loan air control model output
The enterprise reference result supplemental information.
In the above embodiment of the present invention, optionally, the resource consumption information includes: that water rate pays information, the electricity charge are paid
Receive information, place of business rental charge pay information and property fees pay it is one or more in information.
It is optionally, described according to the resource consumption information in the above embodiment of the present invention, calculate the first air control information
The step of, it specifically includes: according to the payment date of resource consumption information described in every kind and payment amount of money, calculating separately described in every kind
The corresponding extension number of resource consumption information and payment amount of money change rate；It is described according to the social security information, calculate the second air control
The step of information, specifically includes: according to the social security information, calculate personnel's registration ratio of the enterprise, personnel's leaving office ratio,
Social security amount of money variation ratio and head office's insurance money volume change ratio per capita.
In the above embodiment of the present invention, optionally, it is described obtain enterprise loan requests the step of before, also wrap
It includes: obtaining model setting information；According to the model setting information, the predetermined loan air control model is established, wherein described pre-
Surely provide a loan the computation rule of air control model are as follows: for resource consumption information described in every kind, calculate the extension number with it is corresponding
First product of predetermined period of delay coefficient, and, calculate the of the payment amount of money change rate and corresponding predetermined variation rate coefficient
Two products；By all first products and all second product additions, resource consumption assessed value is obtained；By the personnel
Registration ratio, personnel's leaving office ratio, the amount of money of social security per capita variation ratio and head office's insurance money volume variation ratio point
Not with corresponding multiplication, then each product addition that multiplication is obtained, social security assessed value is obtained；It is commented according to the resource consumption
Valuation and the social security assessed value determine the reference result supplemental information of the enterprise.
In the above embodiment of the present invention, optionally, it is described obtain enterprise loan requests the step of before, also wrap
It includes: using the first history air control information of history enterprise and the second history air control information as input, by the sign of the history enterprise
Believe result supplemental information as output, the training predetermined loan air control model.
Second aspect, the embodiment of the invention provides a kind of loan wind-controlling devices, comprising: loan requests acquiring unit is used
In the loan requests for obtaining enterprise；Information acquisition unit is examined, for obtaining the enterprise predetermined according to the loan requests
Resource consumption information and social security information in duration；Air control information calculating unit, for calculating according to the resource consumption information
First air control information, and according to the social security information, calculate the second air control information；Air control model implementation unit is used for institute
The first air control information and the predetermined loan air control model of the second air control information input are stated, to obtain the predetermined loan air control mould
The reference result supplemental information of the enterprise of type output.
In the above embodiment of the present invention, optionally, the resource consumption information includes: that water rate pays information, the electricity charge are paid
Receive information, place of business rental charge pay information and property fees pay it is one or more in information.
In the above embodiment of the present invention, optionally, the air control information calculating unit includes: the first computing unit, is used
According to the payment date of resource consumption information described in every kind and payment amount of money, every kind of resource consumption information pair is calculated separately
The extension number and payment amount of money change rate answered；Second computing unit, for calculating the enterprise according to the social security information
Personnel's registration ratio, personnel's leaving office ratio, social security amount of money variation ratio and head office's insurance money volume change ratio per capita.
In the above embodiment of the present invention, optionally, further includes: setting information acquiring unit, for being asked in the loan
Before asking acquiring unit to obtain the loan requests, model setting information is obtained；Model foundation unit, for according to the model
Setting information establishes the predetermined loan air control model, wherein the computation rule of the predetermined loan air control model are as follows: for
Every kind of resource consumption information calculates the first product of the extension number with corresponding predetermined period of delay coefficient, and, it calculates
Second product of the payment amount of money change rate and corresponding predetermined variation rate coefficient；By all first products and all institutes
The second product addition is stated, resource consumption assessed value is obtained；By personnel's registration ratio, personnel's leaving office ratio, the people
Equal social security amount of money variation ratio and head office's insurance money volume variation ratio with corresponding multiplication, then will be multiplied and obtain respectively
Each product addition obtains social security assessed value；According to the resource consumption assessed value and the social security assessed value, the enterprise is determined
Reference result supplemental information.
In the above embodiment of the present invention, optionally, further includes: model training unit, for being obtained in the loan requests
Before taking unit to obtain the loan requests, using the first history air control information of history enterprise and the second history air control information as
Input, using the reference result supplemental information of the history enterprise as output, the training predetermined loan air control model.
The third aspect, the embodiment of the invention provides a kind of electronic equipment, comprising: at least one processor；And with institute
State the memory of at least one processor communication connection；Wherein, be stored with can be by least one described processor for the memory
The instruction of execution, described instruction are arranged to be used for executing method described in any one of above-mentioned first aspect.
Fourth aspect, the embodiment of the invention provides a kind of computer readable storage mediums, and it is executable to be stored with computer
Instruction, the computer executable instructions are for executing method flow described in any one of above-mentioned first aspect.
In the related art, since the financial information such as the balance of payment position of enterprise can artificially be created through some approach, make
It obtains bank can not judge whether the financial information on enterprise's book is true and reliable, causes the lending behavior of bank that there is certain wind
Danger.In this regard, technical solution of the present invention is proposed using resource consumption information of the enterprise in scheduled duration and social security information as levying
Believe the foundation of result supplemental information, wherein resource consumption information includes that the water rate of enterprise pays information, the electricity charge are paid in information etc.
Hold, illustrate enterprise business during resource consumption situation, and social security information then may indicate that it is whether true, legal, reasonable
Enough employees are employed in ground.
For example, if water rate of the enterprise a in the place of business that the administration for industry and commerce registers or office space pays information, the electricity charge
Information is paid lower than predetermined reasonable volume, or even close to zero, and/or, social security information of the enterprise a during business shows social security
Premium received is 0, then illustrates that enterprise a does not do business actually, and the financial information on book has the suspicion forged.
For another example, if water rate of the enterprise b in the place of business that the administration for industry and commerce registers or office space pays information, electricity
Expense pays information, specifies in duration and slumps in bank, and drop range is more than predeterminated level, illustrates that enterprise b is likely to business and is not good at,
Even if the financial information on its book shows it with floor loan qualification, bank can also pay information, the electricity charge according to its water rate
The slump for paying information determines that the operation prospect of enterprise b is not good at, and then does not make loans for enterprise b, to reduce bad debt risk.
Therefore resource consumption information and social security information number and situation of change can reflect whether enterprise really seek with side
Whether industry is done business and is not good at, and therefore, can calculate the first air control information based on resource consumption information and based on social security information
Finally sign is calculated through predetermined loan air control model in input content of the second air control information as predetermined loan air control model
Result supplemental information is believed, so that bank judges to be according to this reference result supplemental information in conjunction with enterprise is audited in preceding reference
It is no to make loans for enterprise.
By above technical scheme, facilitate the true business condition of bank validation enterprise, and will be to this true business shape
The reference result of condition adds in the reference result to the financial information on enterprise's book, improves the peace of business loan air control
Full property and validity, improve the financing security of bank's lending, reduce the bad debt risk made loans to enterprise.
[Detailed description of the invention]
In order to illustrate the technical solution of the embodiments of the present invention more clearly, below will be to needed in the embodiment attached
Figure is briefly described, it should be apparent that, drawings in the following description are only some embodiments of the invention, for this field
For those of ordinary skill, without creative efforts, it can also be obtained according to these attached drawings other attached drawings.
Fig. 1 shows the flow chart of the loan air control method of one embodiment of the present of invention；
Fig. 2 shows the flow charts of the loan air control method of another embodiment of the invention；
Fig. 3 shows the flow chart of computation rule in the predetermined loan air control model of one embodiment of the present of invention；
Fig. 4 shows the block diagram of the loan wind-controlling device of one embodiment of the present of invention；
Fig. 5 shows the block diagram of the electronic equipment of one embodiment of the present of invention.
[specific embodiment]
For a better understanding of the technical solution of the present invention, being retouched in detail to the embodiment of the present invention with reference to the accompanying drawing
It states.
It will be appreciated that described embodiments are only a part of the embodiments of the present invention, instead of all the embodiments.Base
Embodiment in the present invention, it is obtained by those of ordinary skill in the art without making creative efforts it is all its
Its embodiment, shall fall within the protection scope of the present invention.
The term used in embodiments of the present invention is only to be not intended to be limiting merely for for the purpose of describing particular embodiments
The present invention.In the embodiment of the present invention and the "an" of singular used in the attached claims, " described " and "the"
It is also intended to including most forms, unless the context clearly indicates other meaning.
In the related art, since the financial information such as the balance of payment position of enterprise can artificially be created through some approach, make
It obtains bank can not judge whether the financial information on enterprise's book is true and reliable, causes the lending behavior of bank that there is certain wind
Danger.In this regard, technical solution of the present invention is proposed using resource consumption information of the enterprise in scheduled duration and social security information as levying
Believe the foundation of result supplemental information, wherein resource consumption information the resource of its place of business can disappear during surface enterprise business
Consume situation, it was demonstrated that whether its place of business is really used, and social security information then may indicate that it is whether true, legal, reasonably
Enough employees are employed.Technical solution of the present invention is specifically described below with reference to each embodiment.
Fig. 1 shows the flow chart of the loan air control method of one embodiment of the present of invention.
As shown in Figure 1, the process of the loan air control method of one embodiment of the present of invention includes:
Step 102, the loan requests of enterprise are obtained.Enterprise can be submitted to bank by client when needing to provide a loan and be provided a loan
Application or bank system can be automatically according to the artificial loan application of enterprise the enterprise generate loan application, hence into
The step of lower calculating loan application corresponding reference result supplemental information.
Step 104, according to the loan requests, resource consumption information and social security of the enterprise in scheduled duration are obtained
Information.
In a kind of implementation of the invention, the resource consumption information includes but is not limited to: water rate pays information, electricity
Expense pay information, place of business rental charge pays information and property fees pay it is one or more in information.Resource consumption information
Can surface enterprise business during its place of business resource consumption situation, it was demonstrated that whether its place of business is really used.And
Social security information then may indicate that it is whether true, legal, reasonably employed enough employees.The above multiple resources consumption information exists
When single use, the real operation status of enterprise can be embodied, it, can when two kinds or more of resource consumption information is applied in combination
Further increase the accuracy of the assessment result to enterprise's real operation status.
Technical solution of the present invention is specifically described below with reference to each embodiment.
For example, if water rate of the enterprise a in the place of business that the administration for industry and commerce registers or office space pays information, the electricity charge
Information is paid lower than predetermined reasonable volume, or even close to zero, and/or, social security information of the enterprise a during business shows social security
Premium received is 0, then illustrates that enterprise a does not do business actually, and the financial information on book has the suspicion forged.
For another example, if water rate of the enterprise b in the place of business that the administration for industry and commerce registers or office space pays information, electricity
Expense pays information, specifies in duration and slumps in bank, and drop range is more than predeterminated level, illustrates that enterprise b is likely to business and is not good at,
Even if the financial information on its book shows it with floor loan qualification, bank can also pay information, the electricity charge according to its water rate
The slump for paying information determines that the operation prospect of enterprise b is not good at, and then does not make loans for enterprise b, to reduce bad debt risk.
Therefore resource consumption information and social security information number and situation of change can reflect whether enterprise really seek with side
Whether industry is done business and is not good at.
Step 106, according to the resource consumption information, the first air control information is calculated, and according to the social security information, meter
Calculate the second air control information.
Step 108, by the first air control information and the predetermined loan air control model of the second air control information input, to obtain
Obtain the reference result supplemental information of the enterprise of the predetermined loan air control model output.
The first air control information based on resource consumption information and the second air control letter based on social security information can be calculated as a result,
Breath, and using the first air control information and the second air control information as the input content of predetermined loan air control model, finally, borrowed through predetermined
Reference result supplemental information is calculated in money air control model, so that bank combines according to this reference result supplemental information to enterprise
Otherwise reference audit for enterprise to determine whether can make loans.
By above technical scheme, facilitate the true business condition of bank validation enterprise, and will be to this true business shape
The reference result of condition adds in the reference result to the financial information on enterprise's book, improves the peace of business loan air control
Full property and validity, improve the financing security of bank's lending, reduce the bad debt risk made loans to enterprise.
Fig. 2 shows the flow charts of the loan air control method of another embodiment of the invention.
Step 202, the loan requests of enterprise are obtained.
Step 204, according to the loan requests, resource consumption information and social security of the enterprise in scheduled duration are obtained
Information.
Step 206, it according to the payment date of resource consumption information described in every kind and payment amount of money, calculates separately described in every kind
The corresponding extension number of resource consumption information and payment amount of money change rate, and, according to the social security information, calculate the enterprise
Personnel's registration ratio, personnel's leaving office ratio, per capita the social security amount of money variation ratio and head office's insurance money volume change ratio.
In this step, resource consumption information and social security information are pre-processed, obtained can be applied to predetermined loan
The extension number of air control model, payment amount of money change rate, personnel's registration ratio, personnel's leaving office ratio, the social security amount of money changes per capita
The actual parameters such as ratio and head office's insurance money volume variation ratio.
In a kind of implementation of the invention, information is paid for place of business rental charge and property fees pay information etc.
Resource consumption information, the calculation method of extension number include: judge whether monthly to pay the fees it is primary, if so, extension number is 0,
If it is not, the quantity in month of not paying the fees then is extension number.
In a kind of implementation of the invention, if payment amount of money change rate monthly is smaller, illustrate that enterprise is in steady
In operation, portfolio is without obvious progress or glides, if payment amount of money change rate monthly is stepped up or has increase trend,
Illustrate that the portfolio of enterprise has increased, has compared with much progress, both of which is conducive to the success of loan application.And if monthly
Payment amount of money change rate gradually decline, then illustrate that the portfolio of enterprise gradually reduces, repaying ability relative reduction, have bankruptcy
Risk, therefore payment amount of money change rate can illustrate the repaying ability of enterprise to a certain extent.
In another implementation of the invention, since some expenses of place of business are to be stored in advance, such as the electricity charge,
Therefore extension number can not be determined monthly whether to pay the fees once, but the electricity charge can be inquired and reset number, and detect each electricity charge
The electricity charge whether are at preset time intervals completed (in such as one hour) after clearing to pay, if completing, illustrate the place of business of enterprise
It can be found in real time after power failure, be in true use state, then this electricity charge clearing is not designated as once delaying, and if the electricity charge
It does not complete the electricity charge after clearing at preset time intervals to pay, then illustrates that the place of business of enterprise is not found in time after power failure,
Place of business is not devoted oneself to work normally, the state in no employee or enterprise's impotentia burden electricity charge, therefore can be denoted as once prolonging
Phase.
In addition, can determine annual or entrant's quantity in the several years in the past, Personnel Who Left number according to facility information
Amount, social security amount of money situation of change of each personnel etc., so as to which personnel's registration ratio, personnel's leaving office ratio, people is calculated
Equal social security amount of money variation ratio and head office's insurance money volume change ratio.Wherein, if personnel's registration ratio is high and personnel's leaving office ratio is low,
Then illustrate that enterprise is had an optimistic view of by employee, it is likely that there is business expansion, development prospect is fine, conversely, if personnel's registration ratio it is high and
Personnel's leaving office ratio is high, though then illustrating that enterprise currently has certain professional ability, its treatment is too low or manages to have and centainly asks
Topic, is not had an optimistic view of by employee, even, if personnel's registration ratio is low and personnel's leaving office ratio is high, illustrates that enterprise staff is a large amount of
It is lost, it is likely that have lost big single business, development prospect causes anxiety.If illustrating in addition, social security amount of money variation ratio is positive per capita
The social security amount of money is increasing per capita, and enterprise development prospect is good, conversely, then illustrate that the social security amount of money is reducing per capita, business burden social security
Ability reduced, development prospect causes anxiety.Equally, if head office's insurance money volume variation ratio is positive, illustrate that head office's insurance money volume changes
Ratio is increasing, and reason is that employee increases or employee salary increases, and reflection enterprise development prospect is good, conversely, then illustrating head office
Insurance money volume variation ratio is reducing, and the ability of business burden social security has reduced, and development prospect causes anxiety.
To sum up, resource consumption information and social security information can reflect the capacity variation situation of enterprise to a certain extent,
Therefore, reference result supplemental information is calculated based on resource consumption information and social security information, can really reflects the repaying ability of enterprise
Variation tendency.
Step 208, by the extension number and the payment amount of money change rate, and, it is personnel's registration ratio, described
Personnel's leaving office ratio, the amount of money of social security per capita variation ratio and the predetermined loan air control of head office's insurance money volume variation ratio input
Model, to obtain the reference result supplemental information of the enterprise of the predetermined loan air control model output.
Diversified parameter is inputted into predetermined loan air control model as the foundation for calculating reference result supplemental information, is helped
In the real operation status for making reference result supplemental information more precisely reflect enterprise.
Certainly, before above-mentioned technical proposal, further includes: obtain model setting information；According to the model setting information,
The predetermined loan air control model is established, is described in detail in Fig. 2 below with reference to the embodiment shown in Fig. 3 and makes a reservation for loan air control model
Computation rule.
As shown in figure 3, the computation rule for making a reservation for loan air control model in Fig. 2 includes:
Step 302, for resource consumption information described in every kind, the extension number and corresponding predetermined period of delay coefficient are calculated
The first product, and, calculate the second product of the payment amount of money change rate with corresponding predetermined variation rate coefficient.
Wherein, predetermined period of delay coefficient is negative, therefore the first obtained product is negative, and the first product of extension number is smaller, therefore right
Reference result supplemental information generates abated effect.And predetermined variation rate coefficient is positive, but payment amount of money change rate is if rising, then
It is positive, the second product is also positive, and reinforcing effect is generated to reference result supplemental information, conversely, payment amount of money change rate is if under
Drop, then be negative, be also just negative with the second product of predetermined variation rate coefficient, subtracts to final reference result supplemental information generation
Weak effect.
Step 304, by all first products and all second product additions, resource consumption assessed value is obtained.
The first product that extension number and payment amount of money change rate are obtained and the second product addition help to examine from two dimension synthesis
Consider reflection of the resource consumption information of enterprise to enterprise's real operation status.
Step 306, personnel's registration ratio, personnel's leaving office ratio, the amount of money of social security per capita are changed into ratio
With head office's insurance money volume variation ratio respectively with corresponding multiplication, then each product addition that multiplication is obtained, society is obtained
Protect assessed value.
Personnel's registration ratio is positive, and corresponding coefficient is positive, and personnel's registration is more, illustrates that enterprise's prospect is better, to final
Reference result supplemental information generate reinforcing effect；Personnel's leaving office ratio is negative, and corresponding coefficient is positive, and personnel's leaving office is more,
Illustrate that enterprise's prospect is poorer, abated effect is generated to final reference result supplemental information；The social security amount of money changes ratio pair per capita
The coefficient answered is positive, if social security amount of money variation ratio is positive per capita, illustrates that the treatment level of employee increases in enterprise, enterprise's tool
There is good development, reinforcing effect is generated to final reference result supplemental information；If social security amount of money variation ratio is negative per capita,
Illustrate that enterprise reduces the treatment level of employee, enterprise development prospect causes anxiety, and subtracts to final reference result supplemental information generation
Weak effect；The case where changing ratio for head office's insurance money volume, change ratio with the social security amount of money per capita is identical, and details are not described herein.
In addition, the various coefficients in above-mentioned technical proposal can be by bank according to actual needs or according to system to loan wind
Danger assessment and be arranged, can be adjusted in real time with the variation of loan policy or other demands, thus adapt to real economy need
It asks.
Step 308, according to the resource consumption assessed value and the social security assessed value, the reference result of the enterprise is determined
Supplemental information.
The calculation of reference result supplemental information is varied, for example, settable resource consumption assessed value and social security are commented
Valuation respectively corresponds different weights, by the two and multiplied by weight, then by obtain two product additions, obtains final reference
As a result supplemental information.For another example, resource consumption assessed value and social security assessed value can be substituted into predetermined data-structure respectively, it will be various
Payment date, payment amount of money, extension number and the payment amount of money change rate of resource, and, social security information and relevant personnel enter
Duty ratio, personnel's leaving office ratio, the social security amount of money changes the contents such as ratio and head office's insurance money volume variation ratio per capita, in predetermined number
An overall evaluation is calculated according to being shown in structure, while according to the resource consumption assessed value and the social security assessed value,
And multiple overall evaluation ranges are arranged according to the difference of credit risk grade, by range emphasis mark belonging to current overall evaluation
Knowledge comes out, to show the supplement risk information of business loan comprehensively.
By above technical scheme, facilitate the true business condition of bank validation enterprise, and will be to this true business shape
The reference result of condition adds in the reference result to the financial information on enterprise's book, improves the peace of business loan air control
Full property and validity, improve the financing security of bank's lending, reduce the bad debt risk made loans to enterprise.
In addition, predetermined loan air control model can also be carried out by big data in another implementation of the invention
Training, i.e., using the first history air control information of history enterprise and the second history air control information as input, by the history enterprise
Reference result supplemental information as output, the training predetermined loan air control model.In this way, current first is calculated
It, can be directly by the first air control information and the predetermined loan air control mould of the second air control information input when air control information and the second air control information
Type is met the reference result supplemental information of historical data rule by predetermined loan air control model output.It, can by this technical solution
Reliable reference result supplemental information is calculated according to the practical rule of historical data, improves the safety of business loan air control
And validity.
Specifically, the first air control information of acquisition and the second air control information input are obtained to by machine learning realizing
Predetermined loan air control model in, pass through the processing of the predetermined loan air control model, before obtaining reference result supplemental information, need
First to establish the predetermined loan air control model.
The predetermined loan air control model is using machine learning algorithm, by carrying out machine learning calculation to marker samples data
What method was handled.Wherein, establish machine learning algorithm used in the predetermined loan air control model can for regression algorithm, with
One of machine forest decision Tree algorithms, convolutional neural networks learning algorithm, support vector machines scheduling algorithm, the present invention is for predetermined
The machine learning algorithm that loan air control model uses is without limitation.
For be capable of the clearer foundation for understanding predetermined loan air control model, below by taking deep learning algorithm as an example, tool
Body illustrates the establishment process of predetermined loan air control model:
Firstly, obtaining the first history air control information and the second history air control letter of a large amount of history enterprises using big data technology
Breath is used as sample data, and demarcates corresponding reference result supplemental information, and the sample number that will be obtained for these sample datas
According to as input training sample data, the reference result supplemental information of calibration is determined as to export training sample data；Secondly,
After obtaining input training sample data and exporting sample data, input training sample data and output sample data are made into vector
Change processing, obtains the corresponding input feature value of input training sample data, and the corresponding reference characteristic of output sample data to
Magnitude；Then, input feature value and reference characteristic vector are input in initial depth learning network model and carry out study instruction
Practice, obtains predetermined loan air control model.
Wherein, the first history air control information of above-mentioned enterprise and the second history air control information are to estimate the repaying ability of enterprise
Main judgment basis, thus it is guaranteed that the first history air control information of history enterprise and the second history air control information comprehensive and
Accuracy is the basic place of the accurate repaying ability for determining enterprise, utilizes the data where the multiple history enterprises of big data technology
Library is got through, to obtain a large amount of initial data, comprehensively relatively with abundant input training sample data；In addition, obtaining original
After beginning data, the processing that obtained all initial data are cleaned using big data technology again, by detecting initial data
Consistency problem, Deletional problem etc., remove wrong data, repeated data and the endless integer in these initial data
According to obtain the first history air control information and the second history air control of multiple history enterprises as input training sample data
Information.
Wherein, neuron of the above-mentioned initial depth learning network model to input feature value transmission deep learning network
In, it is weighted summation process using the activation primitive in neuron, obtains output valve, then, compares the output valve and benchmark
Feature vector value terminates to train study if difference between the two is within a preset range, obtains the predetermined loan air control mould
Type；If difference between the two within a preset range, does not adjust the parameter in activation primitive, and utilize activation primitive after adjustment
Continue training managing, until the error between output valve and reference characteristic vector value is met the requirements.
Wherein, the predetermined loan air control model of foundation includes input layer, hidden layer, output layer.Input layer is more for receiving
First history air control information of a history enterprise and the corresponding input vector of the second history air control information；Hidden layer be input layer and
Connection between output layer, also referred to as middle layer, the hidden layer are mainly used for going through to first of multiple history enterprises in input layer
History air control information and the second history air control information such as are analyzed, are weighed at the processing, processing result are obtained, so that processing structure is defeated
Enter to output layer；The processing result that output layer is used to input hidden layer forms output result and exports.
Fig. 4 shows the block diagram of the loan wind-controlling device of one embodiment of the present of invention.
As shown in figure 4, the embodiment of the invention provides a kind of loan wind-controlling devices 400, comprising: loan requests acquiring unit
402, for obtaining the loan requests of enterprise；Information acquisition unit 404 is examined, for according to the loan requests, described in acquisition
Resource consumption information and social security information of the enterprise in scheduled duration；Air control information calculating unit 406, for according to the resource
Consumption information calculates the first air control information, and according to the social security information, calculates the second air control information；Air control model is implemented
Unit 408, for the first air control information and the second air control information input to be made a reservation for loan air control model, to obtain
State the reference result supplemental information of the enterprise of predetermined loan air control model output.
In the above embodiment of the present invention, optionally, the resource consumption information includes: that water rate pays information, the electricity charge are paid
Receive information, place of business rental charge pay information and property fees pay it is one or more in information.
In the above embodiment of the present invention, optionally, the air control information calculating unit 406 includes: the first computing unit,
For calculating separately every kind of resource consumption information according to the payment date of resource consumption information described in every kind and payment amount of money
Corresponding extension number and payment amount of money change rate；Second computing unit, for calculating the enterprise according to the social security information
Personnel's registration ratio, personnel's leaving office ratio, per capita the social security amount of money variation ratio and head office's insurance money volume change ratio.
In the above embodiment of the present invention, optionally, further includes: setting information acquiring unit, for being asked in the loan
Before asking acquiring unit 402 to obtain the loan requests, model setting information is obtained；Model foundation unit, for according to
Model setting information establishes the predetermined loan air control model, wherein the computation rule of the predetermined loan air control model are as follows:
For resource consumption information described in every kind, the first product of the extension number with corresponding predetermined period of delay coefficient is calculated, and,
Calculate the second product of the payment amount of money change rate with corresponding predetermined variation rate coefficient；By all first products and institute
There is second product addition, obtains resource consumption assessed value；By personnel's registration ratio, personnel's leaving office ratio, institute
Social security amount of money variation ratio per capita and head office's insurance money volume variation ratio are stated respectively with corresponding multiplication, then will be mutually multiplied
Each product addition arrived, obtains social security assessed value；According to the resource consumption assessed value and the social security assessed value, determine described in
The reference result supplemental information of enterprise.
In the above embodiment of the present invention, optionally, further includes: model training unit, for being obtained in the loan requests
Before taking unit 402 to obtain the loan requests, by the first history air control information of history enterprise and the second history air control information
As input, using the reference result supplemental information of the history enterprise as output, the training predetermined loan air control model.
Therefore the loan wind-controlling device 400 is had using scheme described in any one of embodiment shown in Fig. 1 to Fig. 3
Above-mentioned all technical effects, details are not described herein.
Fig. 5 shows the block diagram of the electronic equipment of one embodiment of the present of invention.
As shown in figure 5, the electronic equipment 500 of one embodiment of the present of invention, including at least one processor 502；And
With the processor 504 of at least one processor 502 communication connection；Wherein, the memory be stored with can by it is described at least
The instruction that one processor 504 executes, described instruction are arranged to be used for executing above-mentioned Fig. 1 to any one of Fig. 3 embodiment institute
The scheme stated.Therefore, which has and Fig. 1 is to the identical technical effect of any one of Fig. 3 embodiment, herein not
It repeats again.
The electronic equipment of the embodiment of the present invention exists in a variety of forms, including but not limited to:
(1) mobile communication equipment: the characteristics of this kind of equipment is that have mobile communication function, and to provide speech, data
Communication is main target.This Terminal Type includes: smart phone (such as iPhone), multimedia handset, functional mobile phone and low
Hold mobile phone etc..
(2) super mobile personal computer equipment: this kind of equipment belongs to the scope of personal computer, there is calculating and processing function
Can, generally also have mobile Internet access characteristic.This Terminal Type includes: PDA, MID and UMPC equipment etc., such as iPad.
(3) portable entertainment device: this kind of equipment can show and play multimedia content.Such equipment include: audio,
Video player (such as iPod), handheld device, e-book and intelligent toy and portable car-mounted navigation equipment.
(4) server: providing the equipment of the service of calculating, and the composition of server includes that processor, hard disk, memory, system are total
Line etc., server is similar with general computer architecture, but due to needing to provide highly reliable service, in processing energy
Power, stability, reliability, safety, scalability, manageability etc. are more demanding.
(5) other electronic devices with data interaction function.
In addition, computer executable instructions are stored with the embodiment of the invention provides a kind of computer readable storage medium,
The computer executable instructions are used to execute above-mentioned Fig. 1 to the method flow described in any one of Fig. 3 embodiment.
The technical scheme of the present invention has been explained in detail above with reference to the attached drawings, according to the technical solution of the present invention, facilitates silver
The true business condition of row verifying enterprise, and the reference result to this true business condition is added to the wealth on enterprise's book
In the reference result for information of being engaged in, the safety and validity of business loan air control are improved, improves the fund of bank's lending
Safety reduces bad debt risk.
It should be appreciated that term "and/or" used herein is only a kind of incidence relation for describing affiliated partner, indicate
There may be three kinds of relationships, for example, A and/or B, can indicate: individualism A, exist simultaneously A and B, individualism B these three
Situation.In addition, character "/" herein, typicallys represent the relationship that forward-backward correlation object is a kind of "or".
Depending on context, word as used in this " if " can be construed to " ... when " or " when ...
When " or " in response to determination " or " in response to detection ".Similarly, depend on context, phrase " if it is determined that " or " if detection
(condition or event of statement) " can be construed to " when determining " or " in response to determination " or " when the detection (condition of statement
Or event) when " or " in response to detection (condition or event of statement) ".
In several embodiments provided by the present invention, it should be understood that disclosed systems, devices and methods, it can be with
It realizes by another way.For example, the apparatus embodiments described above are merely exemplary, for example, the unit
It divides, only a kind of logical function partition, there may be another division manner in actual implementation, for example, multiple units or group
Part can be combined or can be integrated into another system, or some features can be ignored or not executed.Another point, it is shown
Or the mutual coupling, direct-coupling or communication connection discussed can be through some interfaces, device or unit it is indirect
Coupling or communication connection can be electrical property, mechanical or other forms.
It, can also be in addition, the functional units in various embodiments of the present invention may be integrated into one processing unit
It is that each unit physically exists alone, can also be integrated in one unit with two or more units.Above-mentioned integrated list
Member both can take the form of hardware realization, can also realize in the form of hardware adds SFU software functional unit.
The above-mentioned integrated unit being realized in the form of SFU software functional unit can store and computer-readable deposit at one
In storage media.Above-mentioned SFU software functional unit is stored in a storage medium, including some instructions are used so that a computer
It is each that device (can be personal computer, server or network equipment etc.) or processor (Processor) execute the present invention
The part steps of embodiment the method.And storage medium above-mentioned includes: USB flash disk, mobile hard disk, read-only memory (Read-
Only Memory, ROM), random access memory (Random Access Memory, RAM), magnetic or disk etc. it is various
It can store the medium of program code.
The foregoing is merely illustrative of the preferred embodiments of the present invention, is not intended to limit the invention, all in essence of the invention
Within mind and principle, any modification, equivalent substitution, improvement and etc. done be should be included within the scope of the present invention.
Claims (10)
1. a kind of loan air control method characterized by comprising
Obtain the loan requests of enterprise；
According to the loan requests, resource consumption information and social security information of the enterprise in scheduled duration are obtained；
According to the resource consumption information, the first air control information is calculated, and according to the social security information, calculates the second air control letter
Breath；
By the first air control information and the predetermined loan air control model of the second air control information input, to obtain the predetermined loan
The reference result supplemental information of the enterprise of money air control model output.
2. loan air control method according to claim 1, which is characterized in that
The resource consumption information includes: that water rate pays information, information is paid in the electricity charge, place of business rental charge pays information and object
Industry expense is paid one or more in information.
3. loan air control method according to claim 2, which is characterized in that described according to the resource consumption information, meter
The step of calculating the first air control information, specifically includes:
According to the payment date of resource consumption information described in every kind and payment amount of money, every kind of resource consumption information is calculated separately
Corresponding extension number and payment amount of money change rate；
It is described according to the social security information, the step of calculating the second air control information, specifically include:
According to the social security information, personnel's registration ratio, personnel's leaving office ratio, the per capita variation of the social security amount of money of the enterprise are calculated
Ratio and head office's insurance money volume change ratio.
4. loan air control method according to claim 3, which is characterized in that in the step of the loan requests for obtaining enterprise
Before rapid, further includes:
Obtain model setting information；
According to the model setting information, the predetermined loan air control model is established, wherein
The computation rule of the predetermined loan air control model are as follows:
For resource consumption information described in every kind, the first product of the extension number with corresponding predetermined period of delay coefficient is calculated,
And calculate the second product of the payment amount of money change rate with corresponding predetermined variation rate coefficient；
By all first products and all second product additions, resource consumption assessed value is obtained；
By personnel's registration ratio, personnel's leaving office ratio, the amount of money of social security per capita variation ratio and total social security
The amount of money changes ratio respectively with corresponding multiplication, then each product addition that multiplication is obtained, and obtains social security assessed value；
According to the resource consumption assessed value and the social security assessed value, the reference result supplemental information of the enterprise is determined.
5. loan air control method according to claim 1, which is characterized in that in the step of the loan requests for obtaining enterprise
Before rapid, further includes:
Using the first history air control information of history enterprise and the second history air control information as input, by the sign of the history enterprise
Believe result supplemental information as output, the training predetermined loan air control model.
6. a kind of loan wind-controlling device characterized by comprising
Loan requests acquiring unit, for obtaining the loan requests of enterprise；
Information acquisition unit is examined, for obtaining resource consumption of the enterprise in scheduled duration according to the loan requests
Information and social security information；
Air control information calculating unit is used to calculate the first air control information, and according to the society according to the resource consumption information
Breath information-preserving calculates the second air control information；
Air control model implementation unit, for the first air control information and the second air control information input to be made a reservation for loan air control
Model, to obtain the reference result supplemental information of the enterprise of the predetermined loan air control model output.
7. loan wind-controlling device according to claim 6, which is characterized in that
The resource consumption information includes: that water rate pays information, information is paid in the electricity charge, place of business rental charge pays information and object
Industry expense is paid one or more in information.
8. loan wind-controlling device according to claim 7, which is characterized in that the air control information calculating unit includes:
First computing unit, it is every for calculating separately according to the payment date of resource consumption information described in every kind and payment amount of money
The corresponding extension number of the kind resource consumption information and payment amount of money change rate；
Second computing unit, for calculating personnel's registration ratio, the personnel's leaving office ratio of the enterprise according to the social security information
Example, social security amount of money variation ratio and head office's insurance money volume change ratio per capita.
9. a kind of electronic equipment characterized by comprising at least one processor；And it is logical at least one described processor
Believe the memory of connection；
Wherein, the memory is stored with the instruction that can be executed by least one described processor, and described instruction is arranged to use
Method described in any one of execution the claims 1 to 5.
10. a kind of computer readable storage medium, which is characterized in that be stored with computer executable instructions, the computer can
It executes instruction for executing the method flow as described in any one of claims 1 to 5.
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| CN201910422687.0A CN110348981A (en) | 2019-05-21 | 2019-05-21 | Loan air control method and device, electronic equipment and computer readable storage medium |
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| Application Number | Priority Date | Filing Date | Title |
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| CN201910422687.0A CN110348981A (en) | 2019-05-21 | 2019-05-21 | Loan air control method and device, electronic equipment and computer readable storage medium |
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