CN111105307A

CN111105307A - Post-loan management method, system, equipment and readable medium

Info

Publication number: CN111105307A
Application number: CN201911374392.7A
Authority: CN
Inventors: 方剑; 章桔锋; 商永程; 张力引
Original assignee: Industrial and Commercial Bank of China Ltd ICBC
Current assignee: Industrial and Commercial Bank of China Ltd ICBC
Priority date: 2019-12-27
Filing date: 2019-12-27
Publication date: 2020-05-05

Abstract

The invention provides a post-loan management method, a system, equipment and a readable medium, wherein the method comprises the following steps: determining risk characteristics corresponding to the post-credit check information according to the post-credit check information set by the user and the corresponding relation between the characteristic fragments and the risk characteristics; acquiring corresponding user risk characteristic information from a loan customer management system and a loan service system according to the risk characteristic corresponding to the post-loan inspection information; according to the method and the device, whether risk characteristic information meeting the trigger condition exists or not is determined according to the trigger condition of risk characteristic check set by a user, if yes, a to-be-processed check record is formed according to the risk characteristic information meeting the trigger condition and is fed back to the user.

Description

Post-loan management method, system, equipment and readable medium

Technical Field

The invention relates to the technical field of finance, in particular to a method, a system, equipment and a readable medium for post-loan management.

Background

In daily loan risk management, active knowledge of the risk of customers and debts is an important management. With the rapid development of economic activities and credit business, the difference of risk characteristics of customers and loans is gradually increased, and the risk presentation industry and regional differentiation is unnecessary for high-quality customers and debt items if the risk presentation industry and regional differentiation is checked according to a fixed frequency, while the risk presentation industry and regional differentiation may still be insufficient for customers with higher risk, which easily causes the omission of risk management and causes loss.

Disclosure of Invention

The invention aims to provide a post-loan management method, which effectively improves the accuracy of post-loan risk management and improves the effect of post-loan management. It is another object of the present invention to provide a post-loan management system. It is a further object of this invention to provide such a computer apparatus. It is a further object of this invention to provide such a readable medium.

In order to achieve the above object, the present invention discloses a post-loan management method, including:

determining risk characteristics corresponding to the post-credit check information according to the post-credit check information set by the user and the corresponding relation between the characteristic fragments and the risk characteristics;

acquiring corresponding user risk characteristic information from a loan customer management system and a loan service system according to the risk characteristic corresponding to the post-loan inspection information;

and determining whether risk characteristic information meeting the trigger condition exists according to the trigger condition of the risk characteristic check set by the user, and if so, forming a check record to be processed according to the risk characteristic information meeting the trigger condition and feeding back the check record to the user.

Preferably, further comprising, before checking the information after credit according to the user setting:

determining risk characteristics of a user, wherein the risk characteristics comprise risk characteristics of a customer dimension and risk characteristics of a debt dimension;

and determining the corresponding relation between the plurality of feature segments and the risk features.

Preferably, the determining the risk characteristics corresponding to the post-loan inspection information according to the post-loan inspection information set by the user and the corresponding relationship between the feature fragment and the risk characteristics specifically includes:

determining all corresponding characteristic segments according to post-credit check information set by a user, wherein the post-credit check information comprises post-credit check items and all corresponding characteristic segments;

and determining the risk characteristics corresponding to the post-loan inspection information according to the corresponding relation between the characteristic segments and the risk characteristics.

Preferably, the obtaining of the corresponding user risk characteristic information from the loan customer management system and the loan service system according to the risk characteristic corresponding to the post-loan inspection information specifically includes:

acquiring customer characteristic data and debt characteristic data of a user from a loan customer management system and a loan service system according to the check time of the post-loan check information;

and determining user risk characteristic information to be checked of risk characteristics corresponding to the post-loan checking information from the client characteristic data and the debt characteristic data.

Preferably, the determining whether risk characteristic information meeting the trigger condition exists according to the trigger condition of the risk characteristic check set by the user specifically includes:

and determining whether the acquired user risk characteristic information is in a normal range of the risk characteristic information in the triggering condition, if so, determining that the risk characteristic information meeting the triggering condition does not exist, otherwise, determining that the risk characteristic information meeting the triggering condition exists.

The invention also discloses a post-loan management system, which comprises:

the post-loan management processing unit is used for determining the risk characteristics corresponding to the post-loan inspection information according to the post-loan inspection information set by the user and the corresponding relation between the characteristic fragments and the risk characteristics;

the information acquisition unit is used for acquiring corresponding user risk characteristic information from a loan customer management system and a loan service system according to the risk characteristic corresponding to the post-loan inspection information;

and the information feedback unit is used for determining whether risk characteristic information meeting the trigger condition exists according to the trigger condition of the risk characteristic check set by the user, and if so, forming a check record to be processed according to the risk characteristic information meeting the trigger condition and feeding back the check record to the user.

Preferably, the system further comprises a feature setting unit, configured to determine risk features of the user before checking the information according to the post-loan setting by the user, where the risk features include risk features of a customer dimension and risk features of a debt dimension, and determine a correspondence between the plurality of feature segments and the risk features.

Preferably, the post-loan management processing unit specifically includes a first processing unit and a second processing unit;

the first processing unit is used for determining all corresponding feature segments according to post-loan inspection information set by a user, wherein the post-loan inspection information comprises post-loan inspection items and all corresponding feature segments;

and the second processing unit is used for determining the risk characteristics corresponding to the post-credit check information according to the corresponding relation between the characteristic segments and the risk characteristics.

Preferably, the information acquisition unit specifically includes a data acquisition unit and a data processing unit;

the data acquisition unit is used for acquiring customer characteristic data and debt characteristic data of a user from a loan customer management system and a loan service system according to the check time of the post-loan check information;

and the data processing unit is used for determining user risk characteristic information to be checked of risk characteristics corresponding to the post-loan checking information from the client characteristic data and the debt characteristic data.

Preferably, the information feedback unit specifically includes a condition determination unit and an information sending unit;

the condition judging unit is used for determining whether the acquired user risk characteristic information is in a normal range of the risk characteristic information in the triggering condition, if so, determining that the risk characteristic information meeting the triggering condition does not exist, otherwise, determining that the risk characteristic information meeting the triggering condition exists;

and the information sending unit is used for forming a to-be-processed check record according to the risk characteristic information meeting the trigger condition and feeding back the to-be-processed check record to a user if the risk characteristic information meeting the trigger condition exists.

The invention also discloses a computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor,

the processor, when executing the program, implements the method as described above.

The invention also discloses a computer-readable medium, having stored thereon a computer program,

which when executed by a processor implements the method as described above.

The post-loan management method can determine the feature segment corresponding to the post-loan inspection information according to the post-loan inspection information set by the user and the corresponding relation between the feature segment and the risk feature, and further obtain the subdivided risk feature. And acquiring the actual risk characteristic information of the user from the loan customer management system and the loan service system according to the risk characteristic corresponding to the post-loan inspection information. And matching and checking the risk characteristic information according to the trigger condition set by the user aiming at the risk characteristic, and if the actual risk characteristic information of the user meets the trigger condition and indicates that the financial behavior of the user is possibly abnormal, forming a to-be-processed check record and feeding back the to-be-processed check record to the user so that the user can further check the financial behavior of the user after receiving the to-be-processed check record. The invention provides a post-loan management method for the post-loan risk management personnel to automatically monitor after loan, which can effectively improve the accuracy of post-loan risk management and improve the effect of post-loan management.

Drawings

In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to the drawings without creative efforts.

FIG. 1 illustrates one embodiment of a method for post-loan management according to the invention in a flow chart;

FIG. 2 illustrates a second flowchart of an exemplary embodiment of a post-loan management method of the invention;

FIG. 3 illustrates a third flow chart of an embodiment of a method of post-loan management of the present invention;

FIG. 4 is a fourth flowchart of an embodiment of a post-loan management method of the invention;

FIG. 5 illustrates a fifth flowchart of an embodiment of a post-loan management method of the invention;

FIG. 6 illustrates a sixth flowchart of an embodiment of a post-loan management method of the invention;

FIG. 7 illustrates one of the block diagrams of one embodiment of a post-loan management system of the present invention;

FIG. 8 is a second block diagram of an exemplary embodiment of a post-loan management system according to the invention;

FIG. 9 is a third block diagram of an exemplary embodiment of a post-loan management system according to the invention;

FIG. 10 is a fourth block diagram illustrating the architecture of one embodiment of a post-loan management system of the invention;

FIG. 11 is a fifth block diagram illustrating the architecture of one embodiment of a post-loan management system of the present invention;

FIG. 12 shows a schematic block diagram of a computer device suitable for use in implementing embodiments of the present invention.

Detailed Description

The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.

In accordance with one aspect of the present invention, a method for post-loan management is disclosed. As shown in fig. 1, in this embodiment, the method includes:

s100: and determining the risk characteristics corresponding to the post-loan inspection information according to the post-loan inspection information set by the user and the corresponding relation between the characteristic segments and the risk characteristics.

S200: acquiring corresponding user risk characteristic information from a loan customer management system and a loan service system according to the risk characteristic corresponding to the post-loan inspection information;

s300: and determining whether risk characteristic information meeting the trigger condition exists according to the trigger condition of the risk characteristic check set by the user, and if so, forming a check record to be processed according to the risk characteristic information meeting the trigger condition and feeding back the check record to the user.

In a preferred embodiment, as shown in FIG. 2, the method further comprises checking the information after the loan according to the user settings, before:

s010: determining risk characteristics of the user, the risk characteristics including risk characteristics of a customer dimension and risk characteristics of a debt dimension. It will be appreciated that before post-loan administration, the loan clients 'information may be teased up to develop the risk profile for the client dimension based on the loan clients' information. For example, risk characteristics for a customer dimension may include one or more of credit rating, business size, register address, industry affiliated, register capital, customer financing balance, credit amount, credit balance, and whether a small micro-business is present. Further, information of loan businesses (debt items) can be combed to form risk characteristics of the dimension of the debt items. For example, the risk characteristics of the debt dimension may include one or more of the characteristics of loan product category, guarantee style, debt balance, loan five-level classification, financing terms, and whether or not there is low risk.

S020: and determining the corresponding relation between the plurality of feature segments and the risk features. Specifically, in a specific example, the risk characteristics may be analyzed, the analysis and deconstruction may be performed according to items that generally need post-loan inspection, and the content that needs post-loan inspection is split according to a minimum granularity to form an assemblable feature segment library, where the feature segment library includes a plurality of feature segments, for example, typical feature segments may include one or more of client conditions, debt conditions, client financial statements, early warning, security, repayment plan execution conditions, and fund-to-transaction opponent conditions.

Meanwhile, the feature segment is corresponding to at least one risk feature, namely, the risk feature which needs to be acquired and inspected in inspection granularity is represented. The method has the advantages that the characteristic segments correspond to the minimum inspection granularity by forming the corresponding relation between the characteristic segments and the risk features, managers can determine the appropriate characteristic segments by analyzing the content to be inspected, the managers only need to select and combine at least one characteristic segment, when monitoring after the loan is carried out, all required risk feature information can be automatically acquired through the corresponding relation between the characteristic segments and the risk features, the defect that the managers can realize the post-loan management after the risk features to be acquired are subjected to tedious definition is avoided, the financial condition after the loan of a user is comprehensively monitored, the post-loan management workload of the managers is simplified under the condition that the accuracy of the post-loan risk management is effectively improved, and the post-loan management efficiency is improved.

In a preferred embodiment, as shown in fig. 3, the S100 may specifically include:

s110: and determining all corresponding characteristic segments according to post-credit check information set by a user, wherein the post-credit check information comprises post-credit check items and all corresponding characteristic segments. The post-loan inspection information includes information such as an inspection item ID, an inspection item name, an object to which the inspection item applies (client or debt), a trigger time point of the inspection item, a feature condition set thereof, and all feature segments and arrangement layouts of the segments corresponding to the inspection item. The risk characteristic list related to the inspection item can be further determined through the corresponding relation between the characteristic segments and the risk characteristics.

Specifically, for a user who needs post-loan management, a manager can set post-loan inspection information according to the user-related information. Preferably, the administrator can set the post-credit check information to include the user-related information and the corresponding feature fragment. The user related information may include information such as personal information, account information, asset information, and the like of the user, the feature segments may be selected from a feature segment library by a manager according to the user related information, and if a plurality of feature segments exist, the user may further set attribute information such as the order and arrangement layout of the plurality of feature segments, so as to feed back related inspection information to the user according to the order and arrangement layout of the feature segments, for example, risk feature information acquired by each feature segment is presented to the user according to the order and arrangement layout of the feature segments.

S120: and determining the risk characteristics corresponding to the post-loan inspection information according to the corresponding relation between the characteristic segments and the risk characteristics. In an alternative embodiment, after determining all the feature segments corresponding to the post-loan inspection information, the post-loan inspection information may be associated with the risk features according to the risk features corresponding to the preset feature segments. In practical applications, the structure of the feature fragments may be set, for example, each feature fragment may include a fragment ID, a fragment name, and a URL of the fragment, and for each feature fragment, a JSP program implementation may be set, where the URL of the JSP program corresponds to the URL of the fragment in the fragment collection unit.

In a preferred embodiment, as shown in fig. 4, the S200 may specifically include:

s210: and acquiring customer characteristic data and debt characteristic data of the user from the loan customer management system and the loan service system according to the checking time of the post-loan checking information. Optionally, the check time may be set in the post-loan check information in advance, and the specific embodiment of the check time may be in the form of a check frequency or a check time point.

S220: and determining user risk characteristic information to be checked of risk characteristics corresponding to the post-loan checking information from the client characteristic data and the debt characteristic data. Specifically, according to the set check time, the risk characteristic information corresponding to the risk characteristic, such as customer characteristic data and debt characteristic data, can be captured from the loan customer management system and the loan transaction system at regular time according to the risk characteristic corresponding to the post-loan check information. Optionally, the acquired customer characteristic data and debt characteristic data may be stored in corresponding data tables for subsequent processes such as triggering condition determination or feedback to the user.

In a preferred embodiment, as shown in fig. 5, the S300 may specifically include:

s310: and determining whether the acquired user risk characteristic information is in a normal range of the risk characteristic information in the triggering condition, if so, determining that the risk characteristic information meeting the triggering condition does not exist, otherwise, determining that the risk characteristic information meeting the triggering condition exists.

S320: and if the risk characteristic information meeting the trigger condition exists, forming a to-be-processed check record according to the risk characteristic information meeting the trigger condition and feeding back the to-be-processed check record to a user.

It is to be understood that, in an alternative embodiment, the triggering condition may be a threshold range set by the user for each risk feature, when the risk feature information of one of the risk features is not within the threshold range, the user risk feature information is considered to satisfy the triggering condition, and the financial condition of the user may be abnormal, for example, the threshold range of the credit registration is AAA, when the credit registration is lower than AAA, the risk feature information is considered to satisfy the triggering condition, for example, the threshold range of the financing balance is 3000 ten thousand, and when the financing balance is less than 3000 ten thousand, the risk feature information is considered to satisfy the triggering condition. In another optional implementation, the triggering condition may also be that the user sets a threshold and a weight for each risk feature, calculates a comprehensive evaluation index value according to all risk feature information corresponding to the post-loan inspection information and the corresponding threshold and weight, and compares the comprehensive evaluation index value with a preset evaluation index value selected by the user according to an actual situation to determine whether the user risk feature information satisfies the triggering condition. Of course, in other embodiments, the user may select other trigger conditions according to actual situations, which is not limited in the present invention.

In a preferred embodiment, as shown in fig. 6, the feedback to the user may specifically include:

s330: and sending the to-be-processed inspection information to the user to enable the user to perform inspection record processing. It can be understood that after the to-be-processed inspection record is formed, the to-be-processed inspection information can be sent to the user in various communication modes, and preferably, the to-be-processed inspection information can be sent to the user in a mail or short message mode and the like so as to remind the user of processing the inspection record.

S340: and receiving an inspection record processing instruction of a user, and displaying the inspection record to be processed to the user. It can be understood that the method of the present invention can be implemented by a computer application program, and after receiving the inspection information to be processed, the user can log in to the application program through the computer and send an instruction for processing the inspection record to the application program. After receiving the inspection record processing instruction of the user, the application program can display the formed inspection record to be processed to the user, so that the management personnel can conveniently check and further check the inspection record, and can further record and store the processing operation of the management personnel so as to conveniently review.

In conclusion, the invention establishes a flexible post-loan management method, takes the characteristics of all-customer and all-industry products and daily management needs after loan into consideration, decomposes the inspection content, establishes flexible assembly customization and differentiated settings for post-loan inspection, supports the setting of differentiated inspection time points and inspection content for customers and debts with different risk characteristics, effectively improves the accuracy of post-loan risk management and improves the effect of post-loan management.

Based on the same principle, the embodiment also discloses a post-loan management system. As shown in fig. 7, in the present embodiment, the system includes a post-loan management processing unit 11, an information acquisition unit 12, and an information feedback unit 13.

The post-loan management processing unit 11 is configured to determine a risk feature corresponding to the post-loan inspection information according to the post-loan inspection information set by the user and the corresponding relationship between the feature fragment and the risk feature.

The information obtaining unit 12 is configured to obtain corresponding user risk feature information from the loan customer management system and the loan transaction system according to the risk feature corresponding to the post-loan inspection information.

The information feedback unit 13 is configured to determine whether risk characteristic information meeting the trigger condition exists according to a trigger condition of risk characteristic check set by a user, and if so, form a to-be-processed check record according to the risk characteristic information meeting the trigger condition and feed back the to-be-processed check record to the user.

In a preferred embodiment, as shown in fig. 8, the system further comprises a feature setting unit 10. The feature setting unit 10 is configured to determine risk features of the user before checking the information according to the post-loan setting by the user, where the risk features include risk features of customer dimensions and risk features of debt dimensions, and determine a correspondence between a plurality of feature segments and the risk features. The risk features and the corresponding relations between the feature segments and the risk features can be determined and stored through user input, and can also be determined and stored through other methods such as machine learning.

In a preferred embodiment, as shown in fig. 9, the post-loan management processing unit 11 specifically includes a first processing unit 111 and a second processing unit 112.

The first processing unit 111 is configured to determine all corresponding feature segments according to post-loan inspection information set by a user, where the post-loan inspection information includes post-loan inspection items and all corresponding feature segments.

The second processing unit 112 is configured to determine a risk feature corresponding to the post-credit check information according to the corresponding relationship between the feature segment and the risk feature.

In a preferred embodiment, as shown in fig. 10, the information acquiring unit 12 specifically includes a data acquiring unit 121 and a data processing unit 122.

The data acquiring unit 121 is configured to acquire customer characteristic data and debt characteristic data of the user from the loan customer management system and the loan transaction system according to the check time of the post-loan check information.

The data processing unit 122 is configured to determine, from the customer characteristic data and the debt characteristic data, user risk characteristic information to be checked of a risk characteristic corresponding to the post-loan inspection information.

In a preferred embodiment, as shown in fig. 11, the information feedback unit 13 specifically includes a condition determination unit 131 and an information transmission unit 132.

The condition determining unit 131 is configured to determine whether the acquired user risk feature information is within a normal range of the risk feature information in the trigger condition, if so, determine that there is no risk feature information that satisfies the trigger condition, otherwise, determine that there is risk feature information that satisfies the trigger condition.

The information sending unit 132 is configured to, if there is risk characteristic information that satisfies the trigger condition, form a to-be-processed inspection record according to the risk characteristic information that satisfies the trigger condition, and feed back the to-be-processed inspection record to a user.

Since the principle of the system for solving the problem is similar to the above method, the implementation of the system can refer to the implementation of the method, and the detailed description is omitted here.

The systems, devices, modules or units illustrated in the above embodiments may be implemented by a computer chip or an entity, or by a product with certain functions. A typical implementation device is a computer device, which may be, for example, a personal computer, a laptop computer, a cellular telephone, a camera phone, a smart phone, a personal digital assistant, a media player, a navigation device, an email device, a game console, a tablet computer, a wearable device, or a combination of any of these devices.

In a typical example, the computer device comprises in particular a memory, a processor and a computer program stored on the memory and executable on the processor, which when executed by the processor implements the method as described above.

Referring now to FIG. 12, shown is a schematic block diagram of a computer device 600 suitable for use in implementing embodiments of the present application.

As shown in fig. 12, the computer apparatus 600 includes a Central Processing Unit (CPU)601 which can perform various appropriate works and processes according to a program stored in a Read Only Memory (ROM)602 or a program loaded from a storage section 608 into a Random Access Memory (RAM)) 603. In the RAM603, various programs and data necessary for the operation of the system 600 are also stored. The CPU601, ROM602, and RAM603 are connected to each other via a bus 604. An input/output (I/O) interface 605 is also connected to bus 604.

The following components are connected to the I/O interface 605: an input portion 606 including a keyboard, a mouse, and the like; an output section 607 including a Cathode Ray Tube (CRT), a liquid crystal feedback (LCD), and the like, and a speaker and the like; a storage section 608 including a hard disk and the like; and a communication section 609 including a network interface card such as a LAN card, a modem, or the like. The communication section 609 performs communication processing via a network such as the internet. The driver 610 is also connected to the I/O interface 605 as needed. A removable medium 611 such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, or the like is mounted on the drive 610 as necessary, so that a computer program read out therefrom is mounted as necessary on the storage section 608.

In particular, according to an embodiment of the present invention, the processes described above with reference to the flowcharts may be implemented as computer software programs. For example, embodiments of the invention include a computer program product comprising a computer program tangibly embodied on a machine-readable medium, the computer program comprising program code for performing the method illustrated in the flow chart. In such an embodiment, the computer program may be downloaded and installed from a network through the communication section 609, and/or installed from the removable medium 611.

Computer-readable media, including both non-transitory and non-transitory, removable and non-removable media, may implement information storage by any method or technology. The information may be computer readable instructions, data structures, modules of a program, or other data. Examples of computer storage media include, but are not limited to, phase change memory (PRAM), Static Random Access Memory (SRAM), Dynamic Random Access Memory (DRAM), other types of Random Access Memory (RAM), Read Only Memory (ROM), Electrically Erasable Programmable Read Only Memory (EEPROM), flash memory or other memory technology, compact disc read only memory (CD-ROM), Digital Versatile Discs (DVD) or other optical storage, magnetic cassettes, magnetic tape magnetic disk storage or other magnetic storage devices, or any other non-transmission medium that can be used to store information that can be accessed by a computing device. As defined herein, a computer readable medium does not include a transitory computer readable medium such as a modulated data signal and a carrier wave.

For convenience of description, the above devices are described as being divided into various units by function, and are described separately. Of course, the functionality of the units may be implemented in one or more software and/or hardware when implementing the present application.

The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

It should also be noted that the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other like elements in a process, method, article, or apparatus that comprises the element.

As will be appreciated by one skilled in the art, embodiments of the present application may be provided as a method, system, or computer program product. Accordingly, the present application may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present application may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.

The application may be described in the general context of computer-executable instructions, such as program modules, being executed by a computer. Generally, program modules include routines, programs, objects, components, data structures, etc. that perform particular tasks or implement particular abstract data types. The application may also be practiced in distributed computing environments where tasks are performed by remote processing devices that are linked through a communications network. In a distributed computing environment, program modules may be located in both local and remote computer storage media including memory storage devices.

The embodiments in the present specification are described in a progressive manner, and the same and similar parts among the embodiments are referred to each other, and each embodiment focuses on the differences from the other embodiments. In particular, for the system embodiment, since it is substantially similar to the method embodiment, the description is simple, and for the relevant points, reference may be made to the partial description of the method embodiment.

The above description is only an example of the present application and is not intended to limit the present application. Various modifications and changes may occur to those skilled in the art. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of the present application should be included in the scope of the claims of the present application.

Claims

1. A method of managing post-loan, comprising:

2. The post-loan management method according to claim 1, further comprising, before checking the information according to post-loan set by the user:

3. The method for managing post-loan according to claim 1, wherein the determining the risk characteristics corresponding to the post-loan inspection information according to the post-loan inspection information set by the user and the correspondence between the feature fragments and the risk characteristics specifically includes:

4. The method of claim 1, wherein the obtaining of the corresponding user risk characteristic information from the loan customer management system and the loan transaction system according to the risk characteristic corresponding to the post-loan inspection information specifically comprises:

5. The method for managing postcredit as claimed in claim 1, wherein the determining whether the risk characteristic information satisfying the triggering condition exists according to the triggering condition of the risk characteristic check set by the user specifically comprises:

6. A post-loan management system, comprising:

7. The post-loan management system according to claim 6, further comprising a feature setting unit configured to determine a risk feature of the user before the post-loan inspection information set by the user, the risk feature including a risk feature of a customer dimension and a risk feature of a debt dimension, and determine a correspondence between the plurality of feature pieces and the risk feature.

8. The credit management system of claim 6, wherein the credit management processing unit specifically includes a first processing unit and a second processing unit;

9. The post-loan management system according to claim 6, wherein the information acquisition unit specifically includes a data acquisition unit and a data processing unit;

10. The system according to claim 6, wherein the information feedback unit specifically includes a condition determination unit and an information transmission unit;

11. A computer device comprising a memory, a processor, and a computer program stored on the memory and executable on the processor,

the processor, when executing the program, implements the method of any of claims 1-5.

12. A computer-readable medium, having stored thereon a computer program,

the program when executed by a processor implementing the method according to any one of claims 1-5.