CN110705239A

CN110705239A - Credit contract template creating method and device

Info

Publication number: CN110705239A
Application number: CN201910927767.1A
Authority: CN
Inventors: 林晨; 敖雯瑜; 覃伟
Original assignee: Alipay Hangzhou Information Technology Co Ltd
Current assignee: Alipay Hangzhou Information Technology Co Ltd
Priority date: 2019-09-27
Filing date: 2019-09-27
Publication date: 2020-01-17
Anticipated expiration: 2039-09-27
Also published as: CN110705239B

Abstract

The method comprises the steps of receiving a creation instruction of a creation user for creating a credit contract template, and determining an editable initial credit contract template based on the creation instruction; and determining a control set corresponding to each editable module based on the received editing instruction aiming at each editable module in the editable initial credit contract template, then determining the contract type, contract relation and performance item of a sponsor and a counterparty in the credit contract template to be created based on the control in the control set selected by the creation user, and finally creating the credit contract template based on the contract type, the contract relation and the performance item.

Description

Credit contract template creating method and device

Technical Field

The embodiment of the specification relates to the technical field of computers, in particular to a method for creating a credit contract template. One or more embodiments of the present specification also relate to a credit contract template creation apparatus, a computing device, and a computer-readable storage medium.

Background

In the existing software application process, different users have different requirements on the style and specific content of the template, and the fixed template obviously cannot meet the personalized requirements of the users. For example, in a contract, there are 20 appointments in the contract a and 30 appointments in the contract B, and the contents and expressions of these matters are different, so that many similar foreseeable personalized modification needs are generated.

In addition, if the contract a is a lease contract, the contracting party is a tenant, the contracting party is a landlord, the contract B is a challenge contract, the contracting party is a challenger, and the contracting party is a challenged, at this time, the contract relationship between the contracting party and the contracting party cannot be intuitively embodied in the contract by using the same fixed template, so that a more reliable scheme needs to be provided to meet the personalized requirements of the user, and the user is promoted to contract by using the contract template which can be adjusted according to the self requirements.

Disclosure of Invention

In view of the above, the embodiments of the present specification provide a method for creating a credit contract template. One or more embodiments of the present specification also relate to a credit contract template creation apparatus, a computing device, and a computer-readable storage medium to address technical deficiencies in the prior art.

According to a first aspect of embodiments of the present specification, there is provided a credit contract template creation method including:

receiving a creating instruction of a creating user for creating a credit contract template, and determining an editable initial credit contract template based on the creating instruction, wherein the editable initial credit contract template comprises a first editable module, a second editable module and a third editable module;

under the condition that an editing instruction of the creating user for the first editable module is received, determining an appointed type control set corresponding to the first editable module, and determining contract types of a contracting party and a contracting party in a credit contract template to be created based on an appointed type control in the appointed type control set selected by the creating user;

under the condition that an editing instruction of the creating user for the second editable module is received, determining a contract relation control set corresponding to the second editable module based on the contract type control, and determining a contract relation between a contracting party and a contracting party in a credit contract template to be created based on a contract relation control in the contract relation control set selected by the creating user;

determining a performance item control set corresponding to the third editable module based on the contract relation control and determining performance items of a sponsor and a contractor in a credit contract template to be created based on a performance item control in the performance item control set selected by the creating user when an editing instruction of the creating user for the third editable module is received;

creating a credit contract template based on the contract type determined by the contract type control, the contract relationship determined by the contract relationship control, and the performance item determined by the performance item control.

Optionally, a fourth editable module is further included in the editable initial credit contract template,

the method further comprises the following steps:

and under the condition that an editing instruction of the creating user for the fourth editable module is received, determining a contract background control set corresponding to the fourth editable module, and determining a contract background of the credit contract template to be created based on the contract background controls in the contract background control set selected by the creating user.

Optionally, a fifth editable module is further included in the editable initial credit contract template,

after determining the contract relation between the contracting party and the contracting party in the credit contract template to be created based on the contract relation control in the contract relation control set selected by the creating user, the method further comprises the following steps:

and under the condition that an editing instruction of the creating user for the fifth editable module is received, determining a right responsibility control set corresponding to the fifth editable module based on the contract relation control, and determining the right responsibility of a contracting party and a contracting party in the credit contract template to be created by the creating user through the right responsibility control selected by the creating user.

Optionally, a sixth editable module is further included in the editable initial credit contract template,

after determining the performing items of the contracting party and the contracting party in the credit contract template to be created based on the performing item control in the performing item control set selected by the creating user, the method further comprises the following steps:

and in the case of receiving an editing instruction of the creating user for the sixth editable module, determining a credit value control set corresponding to the sixth editable module, and determining the performance credit values of the contracting party and the contracting party in the credit contract template to be created based on the credit value controls in the credit value control set selected by the creating user.

Optionally, the creating a credit contract template based on the contract type determined by the contract type control, the contract relation determined by the contract relation control, and the performance item determined by the performance item control includes:

creating a credit contract template based on the contract background of the credit contract template to be created determined by the contract background control, the contract types of the contracting party and the contracting party in the credit contract template to be created determined by the contract type control, the contract relations of the contracting party and the contracting party in the credit contract template to be created determined by the contract relation control, the performance items of the contracting party and the contracting party in the credit contract template to be created determined by the performance item control, the authority of the contracting party and the contracting party in the credit contract template to be created determined by the authority control and the performance credit values of the contracting party and the contracting party in the credit contract template to be created determined by the credit value control.

Optionally, after the creating the credit contract template, the method further includes:

auditing the created credit contract template;

and under the condition that the credit contract template is approved, recommending the credit contract template and acquiring a recommendation result of the credit contract template.

Optionally, the obtaining of the recommendation result of the credit contract template includes:

and determining a recommended user matched with the credit value of the credit contract template, and acquiring the attention of the recommended user to the credit contract template.

Optionally, after obtaining the attention of the recommended user of the credit contract template to the credit contract template, the method further includes:

and in the case that the attention degree of the recommended user to the credit contract template is greater than or equal to a preset threshold value, adding a credit value corresponding to the attention degree to the creating user of the credit contract template.

Optionally, after adding the credit value corresponding to the attention to the creating user of the credit contract template, the method further includes:

and receiving a modification instruction of the recommended user for the credit contract template, and modifying the credit contract template based on the modification instruction to generate a target credit contract template.

Optionally, the modifying the credit contract template based on the modification instruction to generate the target credit contract template includes:

under the condition that the modification instruction comprises modification of a first editable module in the credit contract template, determining an appointed type control set corresponding to the first editable module based on the modification instruction of the recommended user for the first editable module, and determining contract types of a contracting party and an contracting party in the credit contract template to be created based on an appointed type control in the appointed type control set selected by the recommended user;

under the condition that the contract type control is changed, determining a contract relation control set corresponding to the second editable module based on the modified contract type control, and determining contract relations of a contracting party and a contracting party in a credit contract template to be created based on contract relation controls in the contract relation control set selected by the recommended user;

determining a performance item control set corresponding to the third editable module based on the modified contract relation control under the condition that the contract relation control is changed, and determining performance items of a contracting party and an contracting party in a credit contract template to be created based on the performance item control in the performance item control set selected by the recommended user;

and generating a target credit contract template based on the contract type determined by the contract type control, the contract relation determined by the contract relation control and the performance item determined by the performance item control after modification.

if the modification instruction comprises modification of a second editable module in the credit contract template, determining a contract relation control set corresponding to the second editable module based on the modification instruction of the recommended user for the second editable module, and determining a contract relation between a contracting party and a contracting party in the credit contract template to be created based on contract relation controls in the contract relation control set selected by the recommended user;

and generating a target credit contract template based on the contract type determined by the contract type control, the contract relation determined by the contract relation control after modification and the performance item determined by the performance item control.

in the case that the modification instruction includes modification of a third editable module in the credit contract template, determining a performance item control set corresponding to the third editable module based on the modification instruction of the recommended user for the third editable module, and determining performance items of a sponsor and a contractor in the credit contract template to be created based on the performance item control in the performance item control set selected by the recommended user;

and generating a target credit contract template based on the contract type determined by the contract type control, the contract relation determined by the contract relation control and the modified performance item determined by the performance item control.

According to a second aspect of embodiments of the present specification, there is provided a credit contract template creation apparatus including:

the system comprises a receiving module, a first editing module, a second editing module and a third editing module, wherein the receiving module is configured to receive a creating instruction of creating a credit contract template created by a user, and determine an editable initial credit contract template based on the creating instruction, and the editable initial credit contract template comprises the first editable module, the second editable module and the third editable module;

the contract type determining module is configured to determine an appointed type control set corresponding to the first editable module under the condition that an editing instruction of the creating user for the first editable module is received, and determine contract types of a contracting party and an contracting party in a credit contract template to be created based on an appointed type control in the appointed type control set selected by the creating user;

a contract relation determining module configured to determine, based on the contract type control, a contract relation control set corresponding to the second editable module and determine, based on a contract relation control in the contract relation control set selected by the creating user, a contract relation between a contracting party and an contracting party in a credit contract template to be created, in case of receiving an editing instruction of the creating user for the second editable module;

a performing item determining module configured to, in a case where an editing instruction for the third editable module by the creating user is received, determine a performing item control set corresponding to the third editable module based on the contract relation control, and determine performing items of a sponsor and a contractor in a credit contract template to be created based on a performing item control in the performing item control set selected by the creating user;

a template creating module configured to create a credit contract template based on the contract type determined by the contract type control, the contract relation determined by the contract relation control, and the performance matter determined by the performance matter control.

the method further comprises the following steps:

a contract context determination module configured to determine a contract context control set corresponding to the fourth editable module and determine a contract context of a credit contract template to be created based on a contract context control in the contract context control set selected by the creating user, in a case of receiving an editing instruction of the creating user for the fourth editable module.

the device, still include:

and the authority determining module is configured to determine a authority control set corresponding to the fifth editable module based on the contract relation control under the condition that an editing instruction of the creating user for the fifth editable module is received, and the authority control selected by the creating user determines the authority of the issuing party and the contracting party in the credit contract template to be created.

the device, still include:

a performance credit value determination module configured to, in a case where an edit instruction of the creating user for the sixth editable module is received, determine a credit value control set corresponding to the sixth editable module, and determine performance credit values of the contracting party and the contracting party in the credit contract template to be created based on the credit value controls in the credit value control set selected by the creating user.

Optionally, the template creating module is further configured to:

Optionally, the apparatus further includes:

an auditing module configured to audit the created credit contract template;

and the recommending module is configured to recommend the credit contract template and acquire a recommending result of the credit contract template under the condition that the credit contract template is approved.

Optionally, the recommendation module is further configured to:

Optionally, the apparatus further includes:

and the credit value increasing module is configured to increase the credit value corresponding to the attention degree of the creation user of the credit contract template under the condition that the attention degree of the recommended user to the credit contract template is greater than or equal to a preset threshold value.

Optionally, the apparatus further includes:

and the modification module is configured to receive a modification instruction of the recommended user for the credit contract template, and modify the credit contract template based on the modification instruction to generate a target credit contract template.

Optionally, the modifying module is further configured to:

According to a third aspect of embodiments herein, there is provided a computing device comprising:

a memory and a processor;

the memory is to store computer-executable instructions, and the processor is to execute the computer-executable instructions to:

According to a fourth aspect of embodiments herein, there is provided a computer-readable storage medium storing computer-executable instructions that, when executed by a processor, implement the steps of any one of the credit contract template creation methods.

One or more embodiments of the present specification provide a method for creating a credit contract template, the method including receiving a creation instruction of a creation user to create a credit contract template, and determining an editable initial credit contract template based on the creation instruction, wherein the editable initial credit contract template includes a first editable module, a second editable module and a third editable module; under the condition that an editing instruction of the creating user for the first editable module is received, determining an appointed type control set corresponding to the first editable module, and determining contract types of a contracting party and a contracting party in a credit contract template to be created based on an appointed type control in the appointed type control set selected by the creating user; under the condition that an editing instruction of the creating user for the second editable module is received, determining a contract relation control set corresponding to the second editable module based on the contract type control, and determining a contract relation between a contracting party and a contracting party in a credit contract template to be created based on a contract relation control in the contract relation control set selected by the creating user; determining a performance item control set corresponding to the third editable module based on the contract relation control and determining performance items of a sponsor and a contractor in a credit contract template to be created based on a performance item control in the performance item control set selected by the creating user when an editing instruction of the creating user for the third editable module is received; creating a credit contract template based on the contract type determined by the contract type control, the contract relation determined by the contract relation control and the performance item determined by the performance item control;

the method for creating the credit contract template is based on a received creating instruction for creating the credit contract template, an editable initial credit contract template is determined based on the creating instruction, under the condition that a creating user edits a certain editable module in the editable initial credit contract template for the first time, a control set corresponding to the editable module is displayed, then when the creating user edits the next editable module of the editable module based on the control in the control set selected by the user, the control determines the control set corresponding to the next editable module, and so on until all the editable modules of the editable initial credit contract template are edited to form the credit contract template to be created, the method provides the capability of customizing the creating template for each creating user, and each creating user can select the credit contract template according to actual requirements, and creating a personalized original credit contract template by combining the diversified control sets corresponding to each editable module of the editable initial credit contract template, revealing the personality of the creating user, ensuring the rich diversity of the credit contract template and greatly improving the enthusiasm of the creating user for creating the credit contract template.

Drawings

FIG. 1 is a flow diagram of a method for creating a credit contract template provided by one embodiment of the present description;

FIG. 2 is a diagram of editable controls corresponding to each editable module in an editable initial credit contract template provided by one embodiment of the specification;

FIG. 3 is a diagram of an editable initial credit contract template provided by one embodiment of the present description;

fig. 4 is a schematic structural diagram of a credit contract template creation apparatus according to an embodiment of the present specification;

fig. 5 is a block diagram of a computing device according to an embodiment of the present disclosure.

Detailed Description

In the following description, numerous specific details are set forth in order to provide a thorough understanding of the present description. This description may be embodied in many different forms and should not be construed as limited to the embodiments set forth herein, as those skilled in the art will be able to make and use the present disclosure without departing from the spirit and scope of the present disclosure.

The terminology used in the description of the one or more embodiments is for the purpose of describing the particular embodiments only and is not intended to be limiting of the description of the one or more embodiments. As used in one or more embodiments of the present specification and the appended claims, the singular forms "a," "an," and "the" are intended to include the plural forms as well, unless the context clearly indicates otherwise. It should also be understood that the term "and/or" as used in one or more embodiments of the present specification refers to and encompasses any and all possible combinations of one or more of the associated listed items.

It will be understood that, although the terms first, second, etc. may be used herein in one or more embodiments to describe various information, these information should not be limited by these terms. These terms are only used to distinguish one type of information from another. For example, a first can also be referred to as a second and, similarly, a second can also be referred to as a first without departing from the scope of one or more embodiments of the present description. The word "if" as used herein may be interpreted as "at … …" or "when … …" or "in response to a determination", depending on the context.

First, the noun terms to which one or more embodiments of the present specification relate are explained.

And (3) credit contract: the method is characterized in that two or more parties agree on the use of a certain service based on credit, namely, the two or more parties achieve 'authority', 'responsibility' and 'interest', and each party achieving the agreement reserves an agreed agreement datum; for example, a consensus of book borrowing and returning based on credit is achieved between the library and the users, a consensus of a plurality of users on participation in a public welfare project under the credit constraint is achieved, or a consensus of money borrowing and returning or article borrowing and returning is achieved between the users on the premise that credit is used as a mortgage;

wherein, the 'right' defines the right enjoyed by one party, and can also be understood as the action that the other party needs to perform, such as returning borrowed books, participating in the offered public service items, returning borrowed money or borrowed articles, etc. according to the appointed mode;

"liability" defines the liability of the breach that the breaching party needs to undertake, such as recording the breach incident in the breach party's credit, reducing the breach party's credit score, or making fines to the breach party, etc.;

the "profit" defines the benefit or reward that the performing party can obtain, for example, the user who successfully returns the borrowed book will raise his/her credit score through this credit book borrowing behavior, the user who successfully participates in the public good item by agreement can obtain a credit-based reward, the user who successfully returns the borrowed money or the borrowed article can obtain the amount of the defaulting party's payment, etc.

Credit item: based on the items participating in credit, such as library credit book borrowing items, the book borrowing user can participate in the credit item if the credit value of the book borrowing user meets the demand of the library book borrowing on the credit value.

A sending party: an offeror participating in a credit program. For example, the credit item is a library credit borrowing item, and the offeror can be the library.

The method comprises the following steps: the offeree receives the invited party participating in a credit item, for example, the credit item is a library credit borrowing item, and the offeror can be a borrowing user.

In the embodiments of the present specification, a method for creating a credit contract template is provided, and the present specification also relates to a device for creating a credit contract template, a computing device, and a computer-readable storage medium, which are described in detail in the following embodiments one by one.

With the continuous development of the internet technology, the convenience and richness of life can be greatly improved by applying the internet technology to life. Based on the development of the internet technology, the internet of things technology is widely applied to daily life, electronic contracts also take place at the same time, in the prior art, the electronic contracts only realize constraints by depending on the professional moral and personal literacy of both parties, and the conditions of damage are easy to occur due to too many variable factors of both parties of the contracts. In this context, an electronic contract accreditation using a credit platform for the contracting parties to contract based on credit is generated, and the credit contract template creation method provided by one or more embodiments of the present specification is applied to the credit platform.

Referring to fig. 1, fig. 1 shows a flowchart of a method for creating a credit contract template according to an embodiment of the present specification, including steps 102 to 110.

Step 102: receiving a creating instruction of a creating user for creating a credit contract template, and determining an editable initial credit contract template based on the creating instruction, wherein the editable initial credit contract template comprises a first editable module, a second editable module and a third editable module.

The creating user may be understood as a user who creates a credit contract template, and the user may be one, two or more.

The credit contract template can be understood as a template which is established based on a credit platform and has an associated relation with the credit values of both parties of the contract on the credit platform; for example, if a contract partner fulfills a contract based on the credit contract template, the credit platform may increase or decrease the credit value of the contract partner based on the contract partner's fulfillment condition for the contract.

The creating instruction comprises but is not limited to a touch creating instruction, a voice creating instruction or a text creating instruction of a creating user on the credit platform; for example, the creating instruction may include that the credit platform receives a click instruction generated by the creating user clicking a 'create credit contract template' button on the credit platform, the credit platform receives a voice instruction generated by the creating user for generating a 'create credit contract template' voice on the credit platform, and the credit platform receives a text instruction generated by the creating user inputting a 'create credit contract template' text in a credit platform input box.

The editable initial credit contract template comprises but is not limited to an editable initial credit contract template which is set in advance and can adjust any module contained in the credit contract template; in addition, in one or more embodiments of the present specification, the editable initial credit contract template includes, but is not limited to, a first editable module, a second editable module and a third editable module, and the number and arrangement of the editable modules in the editable initial credit contract template may be adjusted according to actual needs, which is not limited herein.

Step 104: and under the condition that an editing instruction of the creating user for the first editable module is received, determining an appointed type control set corresponding to the first editable module, and determining contract types of a contracting party and a contracting party in the credit contract template to be created based on an appointed type control in the appointed type control set selected by the creating user.

Wherein the editing instructions include, but are not limited to, creating user touch editing instructions to a first editable module in the editable initial credit contract template; for example, the edit instruction may include a click instruction generated by a creating user clicking on a first editable module in an editable initial credit contract template.

The contract type control set comprises two or more contract type controls, wherein the contract type controls can be understood as controls representing contract types of a sponsor and a contractor in a credit contract template to be created, and the contract type controls include but are not limited to self contract type controls, double contract type controls and multi contract type controls. If the appointment type control is a self-appointment type control, it can be understood that the appointment party and the appointment party in the credit contract template to be created are a person, and the purpose of selecting the self-appointment type control is to implement an appointment for the person, such as self-appointment for sleeping at several points every day, getting up at several points, etc.; if the appointment type control is a double appointment type control, the appointment type control can be understood as that an appointment party and an appointment party in a credit contract template to be created are two persons, wherein the appointment party is a single person, and the purpose of selecting the double appointment type control is to realize appointment of the two persons, such as rent room appointment, borrowed object appointment or double appointment making and the like of the two persons; if the appointment type control is a multi-person appointment type control, it may be understood that the appointment party and the appointment party in the credit contract template to be created are three or more persons, where the appointment party is two or more persons, or the appointment party and the appointment party are respectively two or more persons, and the purpose of selecting the multi-person appointment type control is to implement appointments of multiple persons, such as appointments of multiple person borrowers, and appointments of multiple persons and a block.

In practical application, the appointment type control may also be called an appointment play control, through which an appointment type between an appointment party and an appointment party in a credit contract template to be created may be embodied, and a specific representation manner of the appointment type control in practical application may refer to the appointment play part of fig. 2.

Specifically, after receiving an editing instruction of a creating user for a first editable module, the credit platform firstly selects an appointed type control set corresponding to the first editable module, and then confirms that contract types of a contracting party and a contracting party in a credit contract template to be created are self-contract, double-contract or multi-contract types according to an appointed type control in the appointed type control set selected by the creating user.

In the embodiment of the specification, the creating user can implement agreement of bilateral relationship between the contracting party and the contracting party in the credit contract template to be created by selecting any one of the contracting type controls in the contracting type control set, so as to show the personality of the user and ensure the diversity of the types of the created credit contract template.

In one or more further embodiments of the present specification, the editable initial credit contract template further comprises a fourth editable module,

the method further comprises the following steps:

Wherein the editing instructions include, but are not limited to, creating user touch editing instructions to a fourth editable module in the editable initial credit contract template; for example, the edit instruction may include a click instruction generated by the creating user clicking on a fourth editable module in the editable initial credit contract template.

The contract background control set comprises two or more contract background controls, wherein the contract background controls can be understood as controls representing the contract background of the credit contract template to be created, such as picture background controls, video background controls and the like. If the contract background control is a picture background control, the contract background control can be understood as a credit contract template to be created with a certain picture as a contract background; if the contract background control is a video background control, the credit contract template to be created can be understood to use a certain section of video as the contract background.

In practical application, the contract background control set includes, but is not limited to, two or more types of background controls, a specific contract background control may be represented by referring to the appointed background part of fig. 2, the contract background control set of the appointed background part of fig. 2 includes four contract background controls, which are respectively two types of contract background types of pictures and videos, and a creating user may select and use the contract background controls according to actual needs without any limitation.

In the embodiment of the specification, the creating user can select any contract background control in the contract background control set according to actual requirements, and the contract background of the credit contract template to be created is set, so that the creating user can create the credit contract template in a self-defined manner, the richness of the content of the created credit contract template is ensured, and the creating experience of the creating user is enhanced.

Step 106: and under the condition that an editing instruction of the creating user for the second editable module is received, determining a contract relation control set corresponding to the second editable module based on the contract type control, and determining a contract relation between a contracting party and a contracting party in the credit contract template to be created based on a contract relation control in the contract relation control set selected by the creating user.

Wherein the editing instructions include, but are not limited to, creating user touch editing instructions to a second editable module in the editable initial credit contract template; for example, the edit instruction may include a click instruction generated by a creating user clicking on a second editable module in the editable initial credit contract template.

The contract relationship control set includes two or more contract relationship controls, where the contract relationship controls may be understood as controls representing the contracting parties and contracting party contract relationships in a credit contract template to be created, including but not limited to rental relationships, employment relationship controls, and the like. If the contract relation control is a lease relation control, it can be understood that a contracting party and a contracting party in a credit contract template to be created realize lease relation according to the credit contract template, for example, the contracting party is a tenant, the contracting party is a landlord, and the contracting party rent a house through the created credit contract template to realize lease relation of the house; if the contract relationship control is a employment relationship control, it may be understood that the contracting party and the contracting party in the credit contract template to be created implement the employment relationship according to the credit contract template, for example, the contracting party is a business owner, the contracting party is a cleaning place, and the contracting party implement the employment relationship by employing the cleaning place through the created credit contract template.

In practical application, the contract relation controls may further include an affinity control, a solution control, and the like, and the credit platform may add the contract relation control according to an actual development demand, without any limitation.

The specific contract relation control set can be referred to as fig. 2, the contract relation in practical application can also be referred to as a relation play method, the relation play method in fig. 2 corresponds to a contract relation control set, the batte, the peach knot meaning and the happy knot connection in the contract relation control set are three contract relation controls, wherein the batte contract relation controls represent the peer-to-peer relation of two or more contracting parties and contracting parties in the credit contract template to be created, the peach knot meaning contract relation controls represent the peer-to-peer relation of two or more contracting parties and contracting parties in the credit contract template to be created, and the happy knot contract relation controls represent the lover relation of the contracting parties and the contracting parties in the credit contract template to be created.

Specifically, the contract relation control set is determined and displayed on the basis of selection of the creating user on the contract type control in the contract type control set, the creating user selects which contract type control is selected by the creating user for the first editable module, when the creating user operates on the second editable module, the credit platform displays the contract relation control set corresponding to the contract type control selected by the creating user, and the creating user can quickly select the contract relation control of the heart instrument to create the credit contract template.

Taking the above as an example, if the creating user selects the multi-contract type control for the first editable module, the credit platform displays, in the case of receiving the editing instruction of the creating user for the second editable module, a contract relation control set including two contract relation controls, namely a Battle and a peach knot, corresponding to the double-contract type control, and the knot-connecting contract relation controls are generally for two persons, so that only when the creating user selects the double-contract type control for the first editable module, the contract relation controls are correspondingly displayed in the contract relation control set, and each time the contract relation control is selected, all the contract relation controls are displayed in the contract relation control set, so that the interface is complex and not simple, and a check is required when the creating user selects the contract relation controls, the time for creating the credit contract template is greatly increased, and extremely poor experience is brought to the creation user.

In one or more embodiments of the present specification, the editable initial credit contract template further comprises a fifth editable module,

and in the case of receiving an editing instruction of the creating user for the fifth editable module, determining a right and responsibility control set corresponding to the fifth editable module based on the contract relation control, and determining the right and responsibility of a contracting party and a contracting party in the credit contract template to be created based on the right and responsibility control selected by the creating user.

Wherein the editing instructions include, but are not limited to, creating touch editing instructions of the user to a fifth editable module in the editable initial credit contract template; for example, the edit instruction may include a click instruction generated by the creating user clicking a fifth editable module in the editable initial credit contract template.

The authority control set comprises two or more authority controls, wherein the authority controls can be understood as controls representing the authority, the law and the profit of the issuing party and the answering party in the credit contract template to be created.

And the authority and responsibility control set is determined and displayed on the basis of the selection of the creating user on the contract relation control in the agreement relation control set, the creating user selects which contract relation control aiming at the second editable module, when the creating user operates aiming at the fifth editable module, the credit platform displays the authority and responsibility control set corresponding to the contract relation control selected by the creating user, and the creating user can create the authority and responsibility of the issuing party and the contracting party in the created credit contract template based on the authority and responsibility control set.

Referring to fig. 3, for example, the creating user selects a picture background control for the fourth editable module, and takes a picture as a contract background of the created credit contract template; selecting a double contract type control aiming at the first editable module, and determining that a contracting party and a contracting party in the created credit contract template are two persons; the method comprises the steps that a renting contract relation control is selected for a second editable module to determine that a contract relation between a contracting party and a contracting party in a created credit contract template is a renting relation, the contracting party is 'light dream' of a tenant, and the contracting party is a landlord, so that when a credit platform receives an editing instruction of a creating user for a fifth editable module, the credit platform displays a right responsibility control of the contracting party and a right responsibility control of the contracting party in the created credit contract template corresponding to the renting contract relation control, and at the moment, the creating user can create the right responsibility of the contracting party of the credit contract template based on the right responsibility control of the contracting party into 'pay per contract' and can create the right responsibility of the contracting party of the credit contract template based on the right responsibility control of the contracting party into 'confirm collection in time'.

In the embodiment of the present specification, a right and fair control set corresponding to the fifth editable module is determined based on a contract relation control selected by a creating user, and the right and fair of a sponsor and a sponsor in the credit contract template to be created can be reasonably determined based on the right and fair control selected by the creating user, and the right and the fair of the credit contract template can be displayed based on the contract relation between the sponsor and the sponsor in the credit contract template to be created, so that the right and the fair of the sponsor and the fair of the credit contract template can be reasonably adjusted in real time according to the contract relation between the sponsor and the sponsor in the credit contract template to be created, and the credit contract template has strong practicability and strong creating flexibility.

Step 108: and under the condition that an editing instruction of the creating user for the third editable module is received, determining a fulfillment item control set corresponding to the third editable module based on the contract relation control, and determining fulfillment items of a sponsor and a contractor in the credit contract template to be created based on the fulfillment item control in the fulfillment item control set selected by the creating user.

Wherein the editing instructions include, but are not limited to, creating user touch editing instructions to a third editable module in the editable initial credit contract template; for example, the edit instruction may include a click instruction generated by a creating user clicking on a third editable module in the editable initial credit contract template.

The set of the fulfillment items controls comprises two or more fulfillment items controls, and the fulfillment items controls may be understood as controls for describing specific appointed contents of the contracting parties and the contracting parties in the credit contract template to be created, and the fulfillment items controls may comprise basic controls, description controls, fulfillment controls and the like, wherein the basic controls include, but are not limited to, basic controls for recording the time or the number of people of the contracted events of the contracting parties and the contracting parties in the credit contract template to be created, the description controls include, but are not limited to, descriptions such as words, voices, pictures, videos, files, hyperlinks and the like for describing the appointed events of the contracting parties and the contracting parties in the credit contract template to be created, and the fulfillment controls include, but are not limited to, descriptions such as texts, voices, pictures, videos, files, hyperlinks for describing the positions of the contracted events of the contracting parties and the contracting parties in the credit contract template to be created when performing, The specific implementation manners of the control for the performance item in practical application may refer to various corresponding controls in the performance item in fig. 2, and the practical application may further include controls for travel, payment, shipment, discount, store, home, and the like, without any limitation.

In addition, the performance item control set is determined and displayed on the basis of the selection of the contract relation control in the contract relation control set by the creating user, the creating user selects which contract relation control is selected for the second editable module, when the creating user operates for the third editable module, the credit platform displays the performance item control set corresponding to the contract relation control selected by the creating user, and the creating user can create the appointed contents of the contracting parties and the contracting parties in the credit contract template to be created based on the proper performance item control in the performance item control set.

Specifically, the determination of the performance items of the contracting party and the contracting party in the credit contract template to be created based on the performance item control in the set of performance item controls selected by the creating user may refer to the contracted content part in fig. 3, where the contracted content part in fig. 3 is the content of the contracting party and the contracting party in the credit contract template to be created based on the performance item control in the set of performance item controls selected by the creating user about the contract agreement: house rentals pay time, house rentals costs, and commitments to landlors, etc.

In the embodiment of the present specification, based on the contract relation control selected by the creating user, the corresponding performance item control set corresponding to the third editable module is determined, based on the difference of the contract relation controls selected by the creating user, the credit platform displays the corresponding performance item control set to the creating user, so that the creating user can create specific performance items of the contracting party and the contracting party in the credit contract template to be created based on the contract relation between the contracting party and the contracting party in the specific credit contract template to be created, the creating user can freely expand the specific performance items of the contracting party and the contracting party in the credit contract template based on the own requirements, the flexibility of the credit contract template is increased, the enthusiasm of the creating user for creating the credit contract template is improved, the originality of the created credit contract template is ensured, and each credit contract template can embody its own unique features according to the different requirements of the creating user, increasing the ease of use and pertinence of each created credit contract template.

In one or more embodiments of the present specification, the editable initial credit contract template further comprises a sixth editable module,

Wherein the editing instructions include, but are not limited to, creating touch editing instructions of the user to a sixth editable module in the editable initial credit contract template; for example, the edit instruction may include a click instruction generated by the creation user clicking a sixth editable module in the editable initial credit contract template.

The set of performing credit value controls comprises two or more performing credit value controls, wherein the performing credit value controls can be understood as controls for performing increasing and decreasing standards on credit values of a contracting party and a contracting party on a credit platform based on a performing condition after the contracting party and the contracting party realize performing in a credit contract template to be created. For example, the performance credit value control may indicate that five credit values are respectively awarded to both parties who complete the performance after the contracting party and the contracting party in the credit contract template to be created perform based on the credit contract template, or five credit values are reduced to the default party after the contracting party and the contracting party in the credit contract template to be created perform based on the credit contract template, and the like.

Referring to fig. 3, the part below the contract content of fig. 3 is a performance credit value control of a credit contract template to be created, and according to the description of fig. 3, the content represented by the performance credit value control may be understood as that, in the case where the tenant and the landlord perform performance based on the credit contract template and are both in charge, the credit value of the landlord and the tenant on the credit platform is increased by five, and in practical applications, the performance credit value control may be edited, or may embody the content that the performance credit value control wants to express by other sentences or words.

In the embodiment of the present specification, in the process of creating the credit contract template by the creating user, the penalty for credit value of the contracting party and the contracting party performing the contract through the created credit contract template is explicitly embodied on the created credit contract template, so that the awareness of other users in performing the contract using the created credit contract template can be strengthened, and the behavior of the contracting party and the contracting party performing the contract using the credit contract template can be improved.

Step 110: creating a credit contract template based on the contract type determined by the contract type control, the contract relationship determined by the contract relationship control, and the performance item determined by the performance item control.

Specifically, the creating a credit contract template based on the contract type determined by the contract type control, the contract relationship determined by the contract relationship control, and the performance item determined by the performance item control includes:

In practical application, after selecting the contract background of the credit contract template to be created, the contract types of the contracting party and the contracting party, the contract relation, the authority and the performance items, the credit contract template to be created can be previewed, and the creating user clicks a submit or confirm button on the credit platform to complete the creation of the credit contract template under the condition that the creating user previews the credit contract template without problems.

All the controls in one or more embodiments of the present specification are editable controls, and a creating user can edit and adjust the editable initial credit contract template based on the controls according to the actual needs of the creating user.

The method for creating a credit contract template provided in this specification includes determining an editable initial credit contract template based on a received creating instruction for creating a credit contract template, displaying a control set corresponding to an editable module when a creating user edits a next editable module of the editable module based on a control in the control set selected by the user, determining a control set corresponding to the next editable module based on the control when the creating user edits the next editable module of the editable module, and so on, proceeding layer by layer until all the editable modules of the editable initial credit contract template are edited to form a credit contract template to be created, where the method provides a capability of customizing the creating template to each creating user, each creating user can create a personalized original credit contract template by combining with the diversified control sets corresponding to each editable module of the editable initial credit contract template according to actual requirements, thereby revealing the personality of the creating user, ensuring the rich diversity of the credit contract template and greatly improving the enthusiasm of the creating user for creating the credit contract template.

In another or more embodiments of this specification, after creating the credit contract template, the method further includes:

auditing the created credit contract template;

The checking of the created credit contract template includes but is not limited to checking whether the credit contract template has contents related to yellow gambling poison or not, if so, pulling the credit contract template into a blacklist or returning the credit contract template to the creating user, and if not, proving that the credit contract template is checked to be passed.

Specifically, under the condition that the credit contract template is approved, the credit contract template is recommended and the recommendation result of the credit contract template is obtained.

And the obtaining of the recommendation result of the credit contract template comprises:

Before recommending the approved credit contract template, the credit platform selects a recommended user matched with the credit value of the credit contract template, and then recommends the credit contract template to the recommended user matched with the credit value; for example, the credit value of the recommended user 1 is 20, the required credit value of the credit contract template 1 is 10, in the case that the recommended user 1 browses the credit contract template based on the credit platform, the credit platform can recommend the credit contract template 1 to the recommended user 1, and recommend a better credit contract template for the recommended user based on the credit value of the recommended user on the credit platform, so that the recommended user is motivated to frequently perform other task operations on the credit platform to increase the credit value of the recommended user on the credit platform, the use times of the credit platform is increased, and the recommended user can also perform creation of the credit contract template based on the recommended user, and the creation of the better and other types of credit contract templates is increased.

Furthermore, after obtaining the attention degree of the recommended user of the credit contract template to the credit contract template, the method further includes:

The attention of the recommended user to the credit contract template can be comprehensively calculated from multiple dimensions of collection, clicking, like, buying, and the like of the recommended user to the credit contract template, and the higher the collection rate, the clicking rate, the like, and the buying rate of the recommended user to the credit contract template are, the higher the attention of the recommended user to the credit contract template is.

The preset threshold is set according to actual requirements, and is not limited herein. For example, if the preset threshold is 60% and the attention of the recommended user to the credit contract template is 80%, the attention of the recommended user to the credit contract template is greater than the preset threshold, and then a credit value corresponding to the attention is added to the creating user of the credit contract template.

The specific score of the added credit value is related to the attention of the recommended user to the credit contract template, for example, the attention of the recommended user to the credit contract template is 60%, the credit value of 10 points is added to the creating user of the credit contract template, the attention of the recommended user to the credit contract template is 80%, the credit value of 30 points is added to the creating user of the credit contract template, and the like.

In the embodiment of the specification, the attention of the recommended user to the credit contract template is that the creating user of the credit contract template increases the credit value of the creating user on the credit platform, so that the consciousness that the recommended user creates a high-quality credit contract template meeting the requirement of the recommended user on the credit platform in order to improve the credit value of the recommended user on the credit platform can be stimulated, and the creating number of the high-quality credit contract templates is greatly increased.

In another embodiment or embodiments of the present specification, after adding the credit value corresponding to the attention to the creating user of the credit contract template, the method further includes:

Wherein the modification instruction includes, but is not limited to, a touch operation modification instruction of the recommended user on the credit contract template, and the like.

In addition, when the modification instruction is used for modifying the credit contract template to generate the target credit contract template, the first case is that the modification instruction includes modification of a first editable module in the credit contract template, due to the influence of the first editable module on a second editable module and the influence of the second editable module on a third editable module, in the case that the first editable module is used for modifying, the second editable module and the third editable module also need to be respectively adjusted based on the modification of the first editable module; the second case is that when the modification instruction includes modification of a second editable module in the credit contract template, due to the influence of the second editable module on a third editable module, the third editable module also needs to be adjusted based on the modification of the second editable module when the second editable module is modified; the third case is that when the modification instruction includes modification of the third editable module in the credit contract template, the third editable module does not affect the first editable module and the second editable module, and therefore only the third editable module needs to be modified.

Specifically, in the first case, the modifying the credit contract template based on the modification instruction to generate the target credit contract template includes:

In this embodiment of the specification, in a case that the modification instruction includes a modification of an agreed type control in a first editable module in the credit contract template, re-determining an agreed type control set corresponding to the first editable module based on the modification instruction of the first editable module by the recommended user, determining contract types of a contracting party and an contracting party in the credit contract template to be created based on an agreed type control in the re-determined agreed type control set selected by the recommended user, then adjusting a contract relationship control by the second editable module based on the agreed type control of the modified first editable module, adjusting a performance item control by the third editable module based on the contract relationship control of the modified second editable module, and finally determining a contract type, and a contract type of the first editable module based on the agreed type control of the modified first editable module, The contract relation determined by the contract relation control of the second editable module and the performance item determined by the performance item control of the third editable module update the credit contract template to a target credit contract template which the recommended user wants to generate.

Specifically, in the second case, the modifying the credit contract template based on the modification instruction to generate the target credit contract template includes:

In this embodiment of the specification, in a case that the modification instruction includes a modification of an agreed type control in a second editable module in the credit contract template, a contract relation control set corresponding to the second editable module is redetermined based on the modification instruction of the second editable module by the recommended user, a contract relation between a contracting party and an contracting party in the credit contract template to be created is determined based on a contract relation control in the redetermined contract relation control set selected by the recommended user, then a third editable module adjusts a contract item control based on a modified contract relation control of the second editable module, and finally updates the credit contract template into a target credit contract template that the recommended user wants to generate based on a contract relation determined by the contract relation control of the second editable module and a contract item determined by the contract item control of the third editable module after the modification.

Specifically, in the third case, the modifying the credit contract template based on the modification instruction to generate the target credit contract template includes:

generating a target credit contract template based on the contract type determined by the contract type control, the contract relation determined by the contract relation control and the modified performance item determined by the performance item control

In the embodiment of the present specification, in the case that the modification instruction includes modification to a contract type control in a third editable module in the credit contract template, re-determining a fulfillment items control set corresponding to the third editable module based on the recommended user's modification instructions for the third editable module, and determining the performance items of the contracting party and the contracting party in the credit contract template to be created based on the performance item control in the redetermined performance item control set selected by the recommended user, and then the third editable module adjusts the performance item based on the reselected performance item control, and finally, the credit contract template is updated to the target credit contract template which is generated by the recommended user based on the performance item determined by the performance item control of the modified third editable module.

In this embodiment of the specification, the recommended user may modify and adjust the credit contract template according to an actual need of the recommended user, so as to create a new credit contract template on the basis of the credit contract template, to more accurately and effectively define bilateral relationships between the sponsor and the sponsor in the credit contract template, and after the new credit contract template is created, the recommended user may be prompted to modify the credit contract template by a credit value, a commission, or a list head of a credit contract market that recommends the new credit contract template to a credit platform, and so on, so as to form a unique new credit contract template, and to enrich types and numbers of the credit contract templates in the credit platform.

Corresponding to the above method embodiment, the present specification further provides an embodiment of a credit contract template creation apparatus, and fig. 4 shows a schematic structural diagram of a credit contract template creation apparatus provided in an embodiment of the present specification. As shown in fig. 4, the apparatus includes:

a receiving module 402, configured to receive a creation instruction of creating a credit contract template created by a user, and determine an editable initial credit contract template based on the creation instruction, wherein the editable initial credit contract template includes a first editable module, a second editable module and a third editable module;

a contract type determining module 404, configured to, in a case that an editing instruction for the first editable module by the creating user is received, determine an agreed type control set corresponding to the first editable module, and determine contract types of a contracting party and a contracting party in a credit contract template to be created based on agreed type controls in the agreed type control set selected by the creating user;

a contract relation determining module 406, configured to, in a case that an editing instruction of the creating user for the second editable module is received, determine a contract relation control set corresponding to the second editable module based on the contract type control, and determine a contract relation between a contracting party and a contracting party in the credit contract template to be created based on a contract relation control in the contract relation control set selected by the creating user;

a performing item determining module 408, configured to, in a case where an editing instruction for the third editable module by the creating user is received, determine a performing item control set corresponding to the third editable module based on the contract relation control, and determine performing items of the contracting party and the contracting party in the credit contract template to be created based on a performing item control in the performing item control set selected by the creating user;

a template creation module 410 configured to create a credit contract template based on the contract type determined by the contract type control, the contract relationship determined by the contract relationship control, and the performance matter determined by the performance matter control.

the device further comprises:

the device, still include:

Optionally, the template creating module 410 is further configured to:

Optionally, the apparatus further includes:

an auditing module configured to audit the created credit contract template;

Optionally, the recommendation module is further configured to:

Optionally, the apparatus further includes:

Optionally, the modifying module is further configured to:

In this embodiment of the present specification, the credit contract template creating apparatus, after receiving a creation instruction for creating a credit contract template, determines an editable initial credit contract template based on the creation instruction, displays a control set corresponding to a certain editable module in the editable initial credit contract template when receiving a creation user's first time an editable module in the editable initial credit contract template is received, and then determines a control set corresponding to a next editable module when the creation user edits the next editable module of the editable module based on a control in the control set selected by the user, and so on until all the editable modules of the editable initial credit contract template are edited to form a credit contract template to be created, where the method provides a capability of customizing the creation template for each creation user, each creating user can create a personalized original credit contract template by combining with the diversified control sets corresponding to each editable module of the editable initial credit contract template according to actual requirements, thereby revealing the personality of the creating user, ensuring the rich diversity of the credit contract template and greatly improving the enthusiasm of the creating user for creating the credit contract template.

The above is an illustrative scheme of a credit contract template creation apparatus of the present embodiment. It should be noted that the technical solution of the credit contract template creation apparatus is the same as that of the above-mentioned credit contract template creation method, and details of the technical solution of the credit contract template creation apparatus, which are not described in detail, can be referred to the above-mentioned description of the technical solution of the credit contract template creation method.

FIG. 5 illustrates a block diagram of a computing device 500 provided in accordance with one embodiment of the present description. The components of the computing device 500 include, but are not limited to, a memory 510 and a processor 520. Processor 520 is coupled to memory 510 via bus 530, and database 550 is used to store data.

Computing device 500 also includes access device 540, access device 540 enabling computing device 500 to communicate via one or more networks 560. Examples of such networks include the Public Switched Telephone Network (PSTN), a Local Area Network (LAN), a Wide Area Network (WAN), a Personal Area Network (PAN), or a combination of communication networks such as the internet. The access device 540 may include one or more of any type of network interface, e.g., a Network Interface Card (NIC), wired or wireless, such as an IEEE802.11 Wireless Local Area Network (WLAN) wireless interface, a worldwide interoperability for microwave access (Wi-MAX) interface, an ethernet interface, a Universal Serial Bus (USB) interface, a cellular network interface, a bluetooth interface, a Near Field Communication (NFC) interface, and so forth.

In one embodiment of the present description, the above-described components of computing device 500, as well as other components not shown in FIG. 5, may also be connected to each other, such as by a bus. It should be understood that the block diagram of the computing device architecture shown in FIG. 5 is for purposes of example only and is not limiting as to the scope of the present description. Those skilled in the art may add or replace other components as desired.

Computing device 500 may be any type of stationary or mobile computing device, including a mobile computer or mobile computing device (e.g., tablet, personal digital assistant, laptop, notebook, netbook, etc.), mobile phone (e.g., smartphone), wearable computing device (e.g., smartwatch, smartglasses, etc.), or other type of mobile device, or a stationary computing device such as a desktop computer or PC. Computing device 500 may also be a mobile or stationary server.

Wherein processor 520 is configured to execute the following computer-executable instructions:

the method further comprises the following steps:

auditing the created credit contract template;

The above is an illustrative scheme of a computing device of the present embodiment. It should be noted that the technical solution of the computing device and the technical solution of the above-mentioned credit contract template creation method belong to the same concept, and details that are not described in detail in the technical solution of the computing device can be referred to the description of the technical solution of the above-mentioned credit contract template creation method.

An embodiment of the present specification also provides a computer readable storage medium storing computer instructions that, when executed by a processor, are operable to:

the method further comprises the following steps:

auditing the created credit contract template;

The above is an illustrative scheme of a computer-readable storage medium of the present embodiment. It should be noted that the technical solution of the storage medium belongs to the same concept as the technical solution of the above-mentioned credit contract template creation method, and details that are not described in detail in the technical solution of the storage medium can be referred to the description of the technical solution of the above-mentioned credit contract template creation method.

The foregoing description has been directed to specific embodiments of this disclosure. Other embodiments are within the scope of the following claims. In some cases, the actions or steps recited in the claims may be performed in a different order than in the embodiments and still achieve desirable results. In addition, the processes depicted in the accompanying figures do not necessarily require the particular order shown, or sequential order, to achieve desirable results. In some embodiments, multitasking and parallel processing may also be possible or may be advantageous.

The computer instructions comprise computer program code which may be in the form of source code, object code, an executable file or some intermediate form, or the like. The computer-readable medium may include: any entity or device capable of carrying the computer program code, recording medium, usb disk, removable hard disk, magnetic disk, optical disk, computer Memory, Read-Only Memory (ROM), Random Access Memory (RAM), electrical carrier wave signals, telecommunications signals, software distribution medium, and the like. It should be noted that the computer readable medium may contain content that is subject to appropriate increase or decrease as required by legislation and patent practice in jurisdictions, for example, in some jurisdictions, computer readable media does not include electrical carrier signals and telecommunications signals as is required by legislation and patent practice.

It should be noted that, for the sake of simplicity, the foregoing method embodiments are described as a series of acts, but those skilled in the art should understand that the present embodiment is not limited by the described acts, because some steps may be performed in other sequences or simultaneously according to the present embodiment. Further, those skilled in the art should also appreciate that the embodiments described in this specification are preferred embodiments and that acts and modules referred to are not necessarily required for an embodiment of the specification.

In the above embodiments, the descriptions of the respective embodiments have respective emphasis, and for parts that are not described in detail in a certain embodiment, reference may be made to related descriptions of other embodiments.

The preferred embodiments of the present specification disclosed above are intended only to aid in the description of the specification. Alternative embodiments are not exhaustive and do not limit the invention to the precise embodiments described. Obviously, many modifications and variations are possible in light of the above teaching. The embodiments were chosen and described in order to best explain the principles of the embodiments and the practical application, to thereby enable others skilled in the art to best understand and utilize the embodiments. The specification is limited only by the claims and their full scope and equivalents.

Claims

1. A credit contract template creation method, comprising:

2. The credit contract template creation method of claim 1, further comprising a fourth editable module in the editable initial credit contract template,

the method further comprises the following steps:

3. A credit contract template creation method according to claim 1 or 2, further comprising a fifth editable module in the editable initial credit contract template,

4. A credit contract template creation method according to claim 3, further including a sixth editable module in the editable initial credit contract template,

5. The credit contract template creation method of claim 4, the creating a credit contract template based on the contract type determined by the contract type control, the contract relationship determined by the contract relationship control, and the performance matter determined by the performance matter control comprising:

6. The credit contract template creation method of claim 5, further comprising, after creating the credit contract template:

auditing the created credit contract template;

7. The credit contract template creation method of claim 6, the obtaining of the recommendation of the credit contract template comprising:

8. The credit contract template creation method of claim 7, further comprising, after obtaining the interest level of the recommended user of the credit contract template on the credit contract template:

9. The credit contract template creation method of claim 8, further comprising, after adding a credit value corresponding to the attention to a creation user of the credit contract template:

10. The credit contract template creation method of claim 9, the modifying the credit contract template based on the modification instructions to generate a target credit contract template comprising:

11. The credit contract template creation method of claim 9, the modifying the credit contract template based on the modification instructions to generate a target credit contract template comprising:

12. The credit contract template creation method of claim 9, the modifying the credit contract template based on the modification instructions to generate a target credit contract template comprising:

13. A credit contract template creation apparatus comprising:

14. A credit contract template creation apparatus as defined in claim 13, further comprising a fourth editable module in the editable initial credit contract template,

the method further comprises the following steps:

15. A credit contract template creation apparatus according to claim 13 or 14, further comprising a fifth editable module in the editable initial credit contract template,

the device, still include:

16. A credit contract template creation apparatus according to claim 15, further comprising a sixth editable module in the editable initial credit contract template,

the device, still include:

17. A computing device, comprising:

a memory and a processor;

18. A computer readable storage medium storing computer instructions which, when executed by a processor, carry out the steps of the credit contract template creation method of any of claims 1 to 12.