CN111242766B

CN111242766B - Loan method, loan device, server and storage medium

Info

Publication number: CN111242766B
Application number: CN201811440588.7A
Authority: CN
Inventors: 何洪波; 周燕
Original assignee: Simplecredit Micro-Lending Co ltd
Current assignee: Simplecredit Micro-Lending Co ltd
Priority date: 2018-11-28
Filing date: 2018-11-28
Publication date: 2024-03-19
Anticipated expiration: 2038-11-28
Also published as: CN111242766A

Abstract

The embodiment of the invention provides a loan method, a loan device, a server and a storage medium, wherein the loan method comprises the following steps: after the loan platform obtains the loan application submitted by the substituted farmer, the loan application is audited based on the personal information and the substituted information of the substituted farmer, and under the condition that the audit is passed, the substituted insurance principal is paid from the loan amount to the substituted consignor, so that the substituted consignor can deliver the agricultural products to be cultured to the substituted farmer to start culturing after receiving the substituted insurance principal. By adopting the embodiment of the invention, the guarantee that the agricultural products are required to be paid for the agricultural product replacement by the agricultural product replacement farmers is realized, more agricultural product replacement farmers can participate in the agricultural product replacement, and the agricultural product replacement efficiency in the agricultural supply chain is improved.

Description

Loan method, loan device, server and storage medium

Technical Field

The present invention relates to the field of internet finance technologies, and in particular, to a loan method, a loan device, a server, and a storage medium.

Background

In the field of agricultural product cultivation, agricultural product cultivation is a common cultivation mode. By agricultural product replacement, it is generally meant that a certain enterprise or individual needs a large amount of certain agricultural products, in order to ensure the quality and safety of the agricultural products, the enterprise chooses to cooperate with farmers having cultivation experience, the agricultural products to be cultivated are provided to the farmers by the enterprise, and the farmers deliver the cultivated agricultural products to the enterprise.

In order to ensure the reliability of cooperation between farmers and enterprises, enterprises require farmers to pay a certain replacement maintenance deposit to enterprises before cultivation, and enterprises pay replacement maintenance fees and refund deposit deposits to farmers after receiving cultivated agricultural products delivered by farmers. For farmers with poor economic conditions, if the replacement of the commodity guarantee can not be paid, the replacement of the agricultural commodity can not be carried out, and thus the replacement of the agricultural commodity is limited.

Therefore, there is an urgent need for an effective loan method in the agricultural product farming field to solve the problems in the above agricultural product farming.

Disclosure of Invention

The embodiment of the invention provides a loan method, a loan device, a server and a storage medium, which realize that the guarantee required by the agricultural product instead of the agricultural product is paid for the agricultural product instead of the agricultural product, can enable more agricultural product instead of the agricultural product to participate in the agricultural product instead of the agricultural product, and improves the efficiency of agricultural product instead of the agricultural product in an agricultural supply chain.

In a first aspect, an embodiment of the present invention provides a loan method, where the loan method is applied to an agricultural product instead-of-rearing system, and the agricultural product instead-of-rearing system includes a instead-of-rearing farmer, a instead-of-rearing consignor, and a loan platform method including:

the loan platform obtains a loan application submitted by a replacement farmer, wherein the loan application comprises personal information of the replacement farmer, loan amount, replacement information and identification of a replacement consignor;

The loan platform carries out auditing on the loan application based on the personal information and the agent information of the agent farmer;

when the examination passes, the loan platform pays the money corresponding to the required instead-of-raising guarantee deposit to the instead-of-raising consignor according to the loan amount and the identification of the instead-of-raising consignor, so that the instead-of-raising consignor can deliver agricultural products to be raised to the instead-of-raising peasant household after receiving the money corresponding to the instead-of-raising guarantee deposit.

Optionally, before obtaining the loan application submitted by the replacement farmer, the loan method further comprises:

the loan platform obtains the replacement maintenance requirements and the replacement maintenance requirements issued by the replacement maintenance entrusters;

and the loan platform selects matched replacement farmers for the replacement entrusting party according to the replacement demands and the replacement demands.

Optionally, the loan platform audits the loan application based on the personal information and the agent information of the agent farmer, including:

the loan platform obtains the cultivation information of the replacement farmer based on the personal information of the replacement farmer;

the loan platform reviews the loan application based on the farming information and the agent information.

Optionally, the agricultural product instead-of-raising system further includes a material platform, the loan amount is greater than the instead-of-raising guarantee, and after the loan platform pays the required money corresponding to the instead-of-raising guarantee to the instead-of-raising consignor according to the loan amount and the identifier of the instead-of-raising consignor, the loan method further includes:

The loan platform pays the money corresponding to the loan amount after the deposit guarantee is deducted to the material platform, so that the material platform delivers materials required for culturing agricultural products to be cultured to a farmer after receiving the money corresponding to the loan amount after the deposit guarantee is deducted.

Optionally, after the loan platform pays the money corresponding to the required instead-of-raising guarantee to the instead-of-raising consignor according to the loan amount and the identifier of the instead-of-raising consignor, the loan method further includes:

when the repayment time of the corresponding repayment of the loan amount arrives, if the repayment expense paid by the repayment entrusting party after the repayment peasant household delivers the cultured agricultural products is received, the loan platform deducts the corresponding repayment of the loan amount from the repayment expense and pays the repayment expense after deducting the corresponding repayment of the loan amount to the repayment peasant household;

when the repayment time of the corresponding repayment amount of the loan amount reaches, if the repayment expense paid by the repayment entrusting party is not received, the loan platform determines whether the repayment entrusting party receives the agricultural products which are delivered by the repayment peasant household and are cultured;

if the replacement principal receives the agricultural products which are delivered by the replacement farmers and are cultivated, the loan platform carries out the collection of the corresponding payouts of the loan amount according to the determined repayment mode.

Optionally, the loan method further comprises:

after the loan platform receives the corresponding payable amount of the loan amount, the loan platform acquires the agricultural product information of the agricultural products after the cultivation is completed;

and updating the cultivation information of the replacement farmers according to the agricultural product information.

Optionally, the loan method further comprises:

when receiving the agricultural products to be cultured, which are delivered by the replacement farmer at the replacement commission party, and sending notification information for starting the culture, the loan platform monitors the delivery condition of the agricultural products after the culture is completed;

when the delivery time of the agricultural products after the cultivation is detected to be reached, the loan platform sends delivery prompt information to the farmer, wherein the delivery prompt information is used for prompting the farmer to deliver the agricultural products after the cultivation to the agent.

In a second aspect, an embodiment of the present invention provides a loan apparatus, the loan apparatus being configured in a loan platform, the loan platform being applied to an agricultural product instead-of-rearing system, the agricultural product instead-of-rearing system further including a instead-rearing farmer and a instead-rearing commissioner, including:

the loan application comprises personal information of the replacement farmer, loan amount, replacement information and identification of the replacement consignor;

The auditing unit is used for auditing the loan application based on the personal information and the instead-of-maintaining information of the instead-maintaining farmer;

and the payment unit is used for paying the money corresponding to the required instead-of-raising guarantee deposit to the instead-of-raising consignor according to the loan amount and the identification of the instead-of-raising consignor when the auditing passes, so that the instead-of-raising consignor can deliver agricultural products to be raised to the instead-of-raising peasant household after receiving the money corresponding to the instead-of-raising guarantee deposit.

Optionally, the loan device further comprises a selecting unit:

the acquisition unit is also used for acquiring the replacement culture requirement and the replacement culture requirement issued by the replacement culture commissioner;

the selection unit is used for selecting matched farmers for the agent according to the agent demand and the agent demand.

Optionally, the auditing unit is specifically configured to:

acquiring cultivation information of the replacement farmers based on personal information of the replacement farmers;

and auditing the loan application based on the breeding information and the substitution information.

Optionally, the agricultural product replacement system further comprises a material platform:

and the payment unit is also used for paying the money corresponding to the loan amount after the deposit deduction is carried out to the material platform so that the material platform can deliver materials required by culturing agricultural products to be cultured to a replacement farmer after receiving the money corresponding to the loan amount after the deposit deduction is carried out.

Optionally, the loan device further comprises a deduction unit, a determination unit and a collection unit:

the deduction unit is used for deducting the corresponding payable amount of the loan from the expense of the proxy for the instead of the agricultural products after the proxy for the instead of the agricultural products is paid by the proxy for the instead of the agricultural products after the farming is finished when the payable time of the corresponding payable amount of the loan arrives;

a payment unit for paying the replacement maintenance fees after deducting the corresponding payable money of the loan amount to the replacement maintenance farmers;

a determining unit, configured to determine, when a repayment time of the corresponding payment amount of the loan arrives, if a repayment fee of the repayment consignor is not received, whether the repayment consignor receives a cultured agricultural product delivered by the repayment farmer;

and the collection unit is used for collecting the corresponding refund corresponding to the loan amount according to the determined refund mode if the refund entruster receives the cultured agricultural products delivered by the refund farmers.

Optionally, the loan device further comprises an updating unit:

the obtaining unit is also used for obtaining agricultural product information of the agricultural products after the agricultural products are cultivated after receiving the corresponding payable amount of the loan amount;

and the updating unit is used for updating the cultivation information of the replacement farmers according to the agricultural product information.

Optionally, the loan device further comprises a monitoring unit:

the monitoring unit is used for monitoring the delivery condition of the agricultural products after cultivation completion when the information of starting cultivation notification sent by the cultivation farmer after receiving the agricultural products to be cultivated delivered by the cultivation entrusting party is received;

and the sending unit is also used for sending delivery prompt information to the farmer when the monitoring unit monitors that the delivery time of the agricultural products after the cultivation is completed reaches, wherein the delivery prompt information is used for prompting the farmer to deliver the agricultural products after the cultivation to the agent for the cultivation.

In a third aspect, an embodiment of the present invention provides a server comprising a processor, a network interface and a memory, the processor, the network interface and the memory being interconnected, wherein the memory is adapted to store a computer program supporting the server to perform the above method, the computer program comprising program instructions, the processor being configured to invoke the program instructions to perform the above first aspect and any of its alternatives.

In a fourth aspect, embodiments of the present invention provide a computer readable storage medium storing a computer program comprising program instructions which, when executed by a processor, cause the processor to perform the method of the first aspect and any of its alternatives described above.

In the embodiment of the invention, after the loan platform obtains the loan application submitted by the forwarder, the loan application is audited based on the personal information and the forwarder information of the forwarder, and after the auditing is passed, the forwarder pays the forwarder deposit from the loan amount to the forwarder, so that the forwarder receives the forwarder deposit and delivers the agricultural products to be cultured to the forwarder to start culturing. The method realizes the automatic payment of the guarantee for the agricultural product replacement for the agricultural replacement farmers, can enable more agricultural replacement farmers to participate in the agricultural replacement, and improves the agricultural product replacement efficiency in the agricultural supply chain.

Drawings

In order to more clearly illustrate the embodiments of the invention or the technical solutions in the prior art, the drawings that are required in the embodiments or the description of the prior art will be briefly described, it being obvious that the drawings in the following description are only some embodiments of the invention, and that other drawings may be obtained according to these drawings without inventive effort for a person skilled in the art.

FIG. 1 is a block diagram of an agricultural product replacement system according to an embodiment of the present invention;

FIG. 2 is a schematic flow chart of a method for replacing agricultural products according to an embodiment of the present invention;

FIG. 3 is a flow chart of a loan method, according to an embodiment of the invention;

FIG. 4 is a flow chart of another loan method, provided by an embodiment of the invention;

FIG. 5 is a schematic diagram of a loan device, according to an embodiment of the invention;

fig. 6 is a schematic structural diagram of a server according to an embodiment of the present invention.

Detailed Description

The following description of the embodiments of the present invention will be made clearly and completely with reference to the accompanying drawings, in which it is apparent that the embodiments described are only some embodiments of the present invention, but not all embodiments. All other embodiments, which can be made by those skilled in the art based on the embodiments of the invention without making any inventive effort, are intended to be within the scope of the invention.

Referring to fig. 1, a structure diagram of an agricultural product replacement system according to an embodiment of the present invention may include a replacement farmer 10, a replacement commissioner 20 and a loan platform 30, where the replacement farmer 10 may interact with the loan platform 30 through a terminal device 40 corresponding thereto, and the replacement commissioner 20 may interact with the loan platform 30 through a terminal device 50 corresponding thereto.

In one embodiment, the instead-raising farmer 10 and the instead-raising consigner 20 may register in the agricultural product instead-raising system, the successfully registered instead-raising consigner 20 may issue the instead-raising requirement and the instead-raising requirement in the agricultural product instead-raising system, or the instead-raising consigner 20 may issue the instead-raising requirement and the instead-raising requirement in the loan platform 30, and the loan platform 30 may select a suitable instead-raising farmer for the instead-raising consigner according to the instead-raising requirement and the instead-raising requirement of the instead-raising consigner. In other embodiments, the forwarder 10 may see the forwarder demand and the forwarder demand issued by the forwarder principal 20 and may contact the forwarder principal 20 to communicate the forwarder event if the forwarder principal 10 wants to forwarder.

In order to ensure the safety of the instead, if the instead-culturing farmer 10 and the instead-culturing consignor 20 achieve the instead-culturing relationship, that is, the instead-culturing farmer is the instead-culturing consignor for the instead-culturing agricultural product, the instead-culturing farmer 10 needs to pay the instead-culturing consignor 20 for the instead-culturing guarantee. The instead of the farmer 10 may choose to pay the instead of the principal 20 directly from his own account or the instead of the farmer 10 may pay the instead of the principal 20 indirectly by loaning from the loan platform 30.

In one embodiment, if the instead of the farmer 10 pays the instead of the principal 20 for the principal by way of loan from the loan base 30, the instead of the farmer 10 submits a loan application to the loan base 30 through the terminal device 40, which may include the instead of the farmer's personal information, the loan amount, the instead of the principal's identification. The personal information of the principal includes identity information of the principal, etc., the loan amount may be equal to or greater than the principal, the principal's identification is used to indicate a unique principal, and the principal's identification is used to inform the loan platform of the principal with which principal cooperates, in other words, the principal's identification is carried in the loan application to inform the loan platform 30 of the principal to which principal.

In one embodiment, the loan platform 30 is to: obtaining a loan application submitted by a replacement farmer; auditing the loan application based on the personal information and the agent information; when the examination passes, the required money corresponding to the substituted-cultivation guarantee deposit is paid to the substituted-cultivation entrusting party according to the loan amount and the identification of the substituted-cultivation entrusting party, so that the substituted-cultivation entrusting party can deliver agricultural products to be cultivated to the substituted-cultivation farmer after receiving the money corresponding to the substituted-cultivation guarantee deposit. In one embodiment, the loan application submitted by the forwarder 10 to the loan platform 30 may include the forwarder's personal information, the loan amount, the forwarder information, and the forwarder's identity.

After the loan platform 30 obtains the loan application submitted by the instead-of-being farmer 10, the loan application may be audited based on the instead-of-being farmer's personal information and the instead-of-being farmer's farming information, and the loan application may be audited based on the instead-of-being farmer's personal information and the instead-being farmer's farming information, where the instead-being farmer's farming information includes both the instead-being farmer's personal credit condition and the instead-being farmer's agricultural product condition, and the instead-being farmer's farming information includes the instead-being enrolled agreement with the instead-being farmer's agreement, for example, the loan platform may audit whether the loan amount in the loan application is reasonable based on the instead-being farmer agreement in the instead-being enrolled information, and whether the instead-being enrolled principal identity in the instead-being agreement in the instead-being enrolled agreement is the same. In other embodiments, the loan platform may also audit the loan application based on the identity of the proxy agent in the loan application, such as auditing whether the proxy agent's identity is a valid identity, etc. After the loan application is approved, the loan platform 30 provides the loan amount for the instead-of-raising peasant household, searches the instead-of-raising consignor 20 corresponding to the identification of the instead-of-raising consignor, and then pays the money corresponding to the instead-of-raising guarantee from the loan amount to the searched instead-of-raising consignor 20.

In one embodiment, after the proxy 20 receives the proxy deposit of the loan platform 30, the agricultural product to be bred is delivered to the proxy farmer 10. The farming farmer 10 starts to cultivate the farming agricultural product after receiving the farming agricultural product, and when the farming of the agricultural product to be cultivated is completed, the farming farmer 10 delivers the cultivated agricultural product to the farming consignor 20. After the raising consigner 20 receives the raised agricultural product delivered by the raising farmer 10, it pays the raising fee to the loan platform 30. After the loan platform 30 receives the substitute fee, the corresponding account payable amount of the substitute farmer's loan amount is deducted from the substitute fee.

In one embodiment, the agricultural product replacement system of FIG. 1 may further include a supply platform 60, the supply platform 60 being configured to provide supply of supply needed to cultivate the agricultural product to be cultivated. If the loan amount included in the loan application submitted by the forwarder 10 is greater than the forwarder guarantee, the loan platform 30 is further configured to: after paying the required deposit corresponding to the credit guarantee deposit to the credit consignment consignor, paying the deposit corresponding to the loan amount after deducting the credit guarantee deposit to the material platform 60, and after receiving the deposit corresponding to the credit amount after deducting the credit guarantee deposit, the material platform 60 delivers the material required for cultivating the agricultural products to be cultivated to the credit consignment farmer 10.

In one embodiment, the loan platform 30 is further configured to: when the repayment time of the corresponding repayment amount of the loan amount arrives, if the substitution fee paid by the substitution entruster after the substitution farmer delivers the cultured agricultural product is received, the loan platform 30 deducts the corresponding repayment amount of the loan amount from the substitution fee. Paying the replacement maintenance cost after deducting the corresponding payment amount of the loan to the replacement maintenance farmer; when the repayment time of the corresponding repayment amount of the loan amount reaches, if the repayment expense paid by the repayment entrusting party is not received, the loan platform determines whether the repayment entrusting party receives the agricultural products which are delivered and cultivated by the repayment peasant household; if the replacement principal receives the agricultural products which are delivered by the replacement farmers and are cultivated, the loan platform carries out the collection of the corresponding payouts of the loan amount according to the determined repayment mode.

In one embodiment, the loan platform 30 may also be used to oversee the forwarder transaction between the forwarder 10 and the forwarder principal 20 in the agricultural forwarder system shown in fig. 1. Specifically, the farmer 10 sends notice information for starting cultivation to the loan platform 30 after receiving the agricultural products to be cultivated delivered by the agent 20, and the loan platform 30 monitors delivery conditions of the agricultural products after cultivation is completed when receiving the notice information for starting cultivation; when the arrival of the delivery time of the agricultural products after the cultivation is detected, a delivery prompt message is sent to the farmer 10, and the delivery prompt message is used for prompting the farmer 10 to deliver the agricultural products after the cultivation to the agent. In this way, it is possible to avoid the generation of an offensive action by the replacement farmer 10 due to forgetting to deliver the completion of cultivation to the replacement consignor 20.

Referring to fig. 2, a schematic flow chart of an agricultural product replacement method according to an embodiment of the present invention is shown, and the schematic flow chart of the agricultural product replacement method of fig. 2 may be applied to the agricultural product replacement system of fig. 1. The interactions of the forwarder 10, forwarder 20, and loan platform 30 described above in the commodity forwarder process are shown in fig. 2.

To sum up, in the agricultural product replacement system shown in fig. 1, the replacement farmer 10 pays the replacement principal 20 with the replacement principal by loaning to the loan platform 30, and the loan platform 30 pays the replacement principal 20 with the replacement principal under the condition that the loan application audit of the replacement farmer 10 passes. After the principal for substitution 20 receives the principal for substitution, the agricultural products to be cultivated are delivered to the farmer 10, and the farmer 10 starts to cultivate the agricultural products to be cultivated. The loan of the farmer is carried out to prevent the farmer from being unable to participate in the agricultural product instead of the agricultural product due to the limitation of economic conditions, so that any farmer with the qualification of instead of the agricultural product can instead of the agricultural product by the instead of the agricultural product consignor through the agricultural product instead of the agricultural product consignment system, and the loan platform automatically pays the deposit for the farmer for the instead of the agricultural product, thereby realizing the cooperation between the farmer and the instead of the agricultural product consignor in a shorter time and improving the efficiency of the instead of the agricultural product in the agricultural supply chain.

Referring to fig. 3, which is a schematic flow chart of a loan method according to an embodiment of the present invention, the loan method shown in fig. 3 may be applied to the agricultural product instead of the agricultural product system shown in fig. 1, and the loan method may include:

s301, the loan platform obtains a loan application submitted by a replacement farmer.

In one embodiment, prior to step S301, the loan platform may agree on a proxy agreement between the proxy farmer and the proxy consignor, in particular: the loan platform obtains the replacement maintenance requirements and the replacement maintenance requirements issued by the replacement maintenance entrusters; and the loan platform selects matched replacement farmers for the replacement entrusting party according to the replacement demands and the replacement demands. When the principal for the generation of agricultural products determines to support the agricultural products by the agricultural product support system, the principal for the generation of agricultural products can issue support requirements or support requirements in the agricultural product support system, and the loan platform searches the support farmers matched with the principal for the generation of agricultural products from a plurality of support farmers according to the support requirements and support requirements of the principal for the generation of agricultural products. The method for the loan platform to search the substituted farmers matched with the substituted information of the substituted consignor from the plurality of substituted farmers can be as follows: obtaining the replacement culture requirement and the replacement culture requirement issued by the replacement culture entrusting party; acquiring historical data of a plurality of farmers; and determining the substituted farmers matched with the substituted farming requirements and the substituted farming requirements according to the historical substituted farming data of the plurality of substituted farmers.

For example, the instead-raising demand of the instead-raising consignor is to find out that the instead-raising farmers are to instead-raise 500 agricultural products, the instead-raising demand is to instead-raise the instead-raising farmers who have experience of being raised for more than 3 years, and it is assumed that the historical instead-raising data of two instead-raising farmers acquired by the loan platform are: the first-generation farmer A has 3-generation farmer experience, but the number of agricultural products which are first-generation-raised in the 3-year first-generation process is not more than 200, the first-generation farmer B has 4-year first-generation experience, the number of agricultural products which are first-generation-raised in each time is about 400, the loan platform determines that the first-generation farmer B is a first-generation farmer matched with the first-generation raising consignor after analyzing the historical first-generation data of the two first-generation farmers, and recommends the first-generation farmer B to the first-generation consignor.

In one embodiment, an agent agreement is achieved between the current agent and the agent party, an agent agreement can be signed between the agent party and the agent party, in order to ensure the reliability of agent, the agent agreement can provide that the agent party needs to pay the agent party for agent, the agent party can pay the agent principal directly from own account, and the agent party can pay the agent principal for agent by means of loaning to a loan platform.

In one embodiment, if the instead of the farmer selects to pay the instead of the principal by way of loaning to the loan platform, the instead of the principal may submit a loan application to the loan platform through, for example, a mobile phone, a notebook computer terminal device, etc., where the loan application may include the instead of the farmer's personal information, the loan amount, the instead of the principal's personal information may refer to the instead of the farmer's name, sex, identity, etc., the instead of the principal is generated by the instead of the principal according to the instead of the principal agreement between the instead of the principal and the instead of the principal, the instead of the principal may include the instead of the principal agreement, the instead of the principal, etc., and the instead of the principal's identification may be used to uniquely identify the instead of principal.

S302, the loan platform examines and verifies the loan application based on the personal information and the agent information of the agent farmer.

In one embodiment, after the loan application submitted by the forwarder is obtained, the loan application may be audited by the loan platform, which may audit the loan application based on the forwarder's personal information and the forwarder's information. In one embodiment, in addition to verifying that the personal information is correct based on the personal information of the forwarder, the loan platform verifies the loan application based on the personal information of the forwarder and the forwarder information, further comprising: the loan platform obtains the cultivation information of the replacement farmer based on the personal information of the replacement farmer; the loan platform reviews the loan application based on the farming information and the agent information. The cultivation information of the farmer can include personal credit condition of the farmer and agricultural product cultivation condition, namely the cultivation information of the farmer can reflect historical loan repayment condition of the farmer, such as overdue rate, and the like, and historical agricultural product cultivation condition, such as quality of agricultural products, and the like.

In one embodiment, the loan platform can verify whether the loan amount included in the loan application is reasonable according to the cultivation information of the farmer, and the fact that the loan amount is reasonable refers to whether the loan amount included in the loan application of the farmer is within the range of the loanable amount corresponding to the farmer. The loan platform can set a lendable amount for the farmer instead, and when the loan amount in the loan application is within the lendable amount range, the loan platform can determine that the examination and verification of the loan amount are passed. It should be understood that the foregoing is merely illustrative of some possible manners of auditing the loan application, and the loan platform may also audit the loan application submitted by the farmer instead of the home in other manners, which are not particularly limited in the embodiments of the present invention.

In one embodiment, the loan platform may be configured to set the loan amount for the farmer instead of the farmer based on the individual credit status of the farmer instead of the farmer included in the farming information of the farmer, i.e., the historical loan status, or the loan platform may be configured to set the loan amount for the farmer instead of the farming information.

In one embodiment, if the farming condition included in the farming information of the farming farmer indicates that the farming quality of the farming farmer is higher, and the farming cost is higher, the farming technology of the farming farmer is higher, and the farming cost can be higher, so that the farming farmer can be judged to have the capability of repaying the money credited from the loan platform, and the loan platform can set the loanable amount of the farming farmer to be relatively higher; if the farming conditions of the farmers indicate that the farming quality of the farming products of the farmers is lower and the farming cost of the farmers is lower, the farming technology of the farmers is general, and therefore the farmers can be judged to have the risk of not repayment of the funds credited from the loan platform, and the loan platform can set the loanable amount of the farmers to be relatively lower.

In yet another embodiment, if the farming information of the forwarder includes personal credits indicating that the farming farmer's personal credits are better, such as the expiration rate is below an expiration repayment threshold, the loan platform may set a higher lendable amount for the farming farmer; if the farming information of the forwarder includes personal credits that indicate that the forwarder's personal credits are generally, such as the expiration rate being above an expiration repayment threshold, the loan platform may set a lower lendable amount for the forwarder.

In other embodiments, the auditing of the loan application by the loan platform may further refer to the loan platform auditing whether the identifier of the principal for the principal is valid, and whether the identifier of the principal for the principal is valid refers to whether the principal for the principal corresponding to the identifier of the principal for the principal is a registered principal for the agricultural product. The verifying of the identity of the principal for the principal by the loan platform further includes verifying whether the identity of the principal for the principal included in the loan application is the same as the identity of the principal for the principal included in the principal information.

And S303, when the auditing is passed, the loan platform pays the required money corresponding to the instead-raising security deposit to the instead-raising consignor according to the loan amount and the identification of the instead-raising consignor.

In one embodiment, after the approval of the loan application is passed, and the loan platform pays the substitute-raising consignor with the corresponding money of the required substitute-raising security according to the loan amount and the identifier of the substitute-raising consignor. Specifically, the manner of the loan platform paying the required substitute-raising guarantee corresponding to the substitute-raising consignor according to the loan amount and the identifier of the substitute-raising consignor may be: the loan platform searches the proxy agent corresponding to the identification of the proxy agent; acquiring the instead-rearing information included in the loan application, and determining the instead-rearing guarantee gold included in the instead-rearing agreement signed by the instead-rearing consignor and the instead-rearing farmer from the instead-rearing information; and paying the money corresponding to the substitute maintenance deposit to the substitute maintenance commission party from the loan amount.

In one embodiment, after the loan platform pays the credit corresponding to the commodity deposit to the commodity commissioner, the commodity commissioner may deliver the agricultural product to be cultivated to the commodity farmer, which starts to cultivate after receiving the agricultural product to be cultivated, and delivers the cultivated agricultural product to the commodity commissioner when the cultivation of the agricultural product to be cultivated is completed. After receiving the agricultural products after cultivation, the agent calculates the due cost according to the cost agreed in the agreement, and pays the due cost to the farmer by the pre-agreed payment mode. The method for paying the replacement cost agreed in the replacement agreement can be that the replacement commission party directly pays the replacement cost to the replacement farmer, and the replacement commission party can directly input the payed replacement cost into an account corresponding to the replacement farmer.

In one embodiment, the payment method of the replacement cost agreed in the replacement payment agreement can also be that the replacement commission pays the replacement cost to the loan platform, and the rest of the replacement cost is paid to the replacement farmer after the loan platform deducts the corresponding deposit corresponding to the loan amount of the replacement farmer. In this case, when the principal for the commodity is charged with the agricultural product, the principal for the commodity pays the principal fee to the loan platform, and when the principal for the commodity pays the principal for the commodity, the principal for the commodity pays the corresponding amount of the commodity from the principal fee. Wherein, the replacement fee paid by the replacement commission party can be composed of two parts of labor fee and refund replacement guarantee. Wherein, the labor cost refers to the cost of the farmer for the cultivation of the agricultural products to be cultivated by the proxy for the cultivation. Alternatively, the proxy for the instead of the maintenance may determine the labor fee to be paid to the instead of the maintenance farmer according to the labor fee payment rule agreed in the proxy for the instead of the maintenance information, where the labor fee payment rule may be agreed in advance by the proxy for the instead of the maintenance farmer and the instead of the maintenance farmer, and the labor fee payment rule may specify the labor fee to be paid by the proxy for the instead of the maintenance applicant according to the quality of the cultivated agricultural products delivered by the instead of the maintenance farmer.

Optionally, the refund may be equal to or smaller than the refund guarantee deposit paid by the loan platform, and optionally, the refund consignor may determine the refund guarantee deposit according to a guarantee deposit refund rule agreed in a refund agreement of the refund information, where the guarantee deposit refund rule may be a refund consigned rule agreed in advance by the refund consignor and a refund farmer, and the guarantee deposit refund rule may specify that the refund consignor can determine the refund guaranty deposit according to a delivery condition, such as a delivery time, of the farmed agricultural product. In one embodiment, if the forwarder delivers the farmed agricultural product to the forwarder at a preset delivery time, the forwarder may determine that the refund forwarder deposit is equal to the forwarder deposit deposited on the loan platform; if the instead-raised farmer overdue delivers the raised agricultural products to the instead-raised commission, the instead-raised commission can deduct a part of the default money from the instead-raised guarantee deposit paid by the loan platform, and the instead-raised guarantee deposit returned by the instead-raised commission is smaller than the loan guarantee deposit paid by the loan platform.

In one embodiment, the amount of the loan that the loan base deducts from the substitute fee may correspond to the amount of the loan, or may be greater than the amount of the loan. Optionally, if the loan platform provides a loan with no interest to the peasant household, and the loan platform receives the corresponding payoff amount of the loan in the payoff time corresponding to the payoff amount, the payoff amount deducted by the loan platform may be equal to the corresponding payoff amount of the loan; if the loan platform is an interest loan provided by a peasant household, the amount of the payable deducted by the loan platform is larger than the amount of the corresponding loan amount. In one embodiment, when the payable amount deducted by the loan base is greater than the corresponding amount of the loan amount, the specific amount deducted by the loan base may be determined according to the preset interest calculation rule.

In the embodiment of the invention, after the loan application submitted by the substitution farmer is approved by the loan platform, paying the principal for the instead of the principal from the loan amount, so that the agricultural products to be cultivated are delivered to the farmers for cultivation after the replacement cultivation entrusting party receives the replacement cultivation guarantee, when the loan platform receives the replacement fee paid by the replacement entruster after the replacement farmers deliver the agricultural products after the cultivation is completed, the corresponding answer money of the loan amount is deducted from the replacement fee, so that the guarantee for automatically paying the replacement farmers for the replacement agricultural products is realized, more replacement farmers can participate in the replacement agricultural products, and the replacement agricultural product cultivation efficiency in the agricultural supply chain is improved.

Referring to fig. 4, another loan method provided by an embodiment of the invention, the data processing method shown in fig. 2 may include:

s401, the loan platform obtains the substitution requirement and the substitution requirement issued by the substitution consignor, and selects matched substitution farmers for the substitution consignor according to the substitution requirement and the substitution requirement.

S402, the loan platform obtains a loan application submitted by a replacement user.

S403, the loan platform examines and verifies the loan application based on the personal information and the agent information of the agent farmer.

In one embodiment, some possible implementations included in step S401-step S403 have been described in detail in the embodiment of fig. 3, and are not described here again.

And S404, when the auditing passes, the loan platform pays the money corresponding to the required instead-raising guarantee deposit to the instead-raising consignor according to the loan amount and the identification of the instead-raising consignor.

In one embodiment, after the principal receives the principal for the agricultural products to be cultured, the principal for the agricultural products to be cultured is delivered to the principal for the agricultural products to be cultured, the principal for the agricultural products to be cultured can inform the principal for the agricultural products to be cultured to start culturing, and the principal for the agricultural products to be cultured is monitored after receiving the information for informing the starting of culturing. Specifically, when the loan platform receives the information of starting cultivation notification sent by the farmer, the loan platform monitors the delivery condition of the agricultural products after cultivation; and when the delivery time of the agricultural products after cultivation is detected to be reached, the loan platform sends delivery prompt information to the replacement farmer.

In other words, the loan platform may monitor the entire process of agricultural products to be farmed from the beginning of the farming to the completion of the farming, to the completion of the farming delivery. It can be understood that the loan platform monitors the delivery condition of the agricultural products after the cultivation, which is beneficial to the loan platform to timely withdraw the corresponding payable money of the loan amount, and can also avoid the default behavior of the farmers due to forgetting to deliver the agricultural products after the cultivation.

In one embodiment, the loan platform may first obtain a delivery time, which refers to the time that the farmer delivers the farmed agricultural product to the proxy for the proxy, before monitoring the delivery of the farmed agricultural product. In one embodiment, the delivery time may be negotiated by the forwarder and the forwarder's farmer and recorded in the forwarder's agreement, at which point the loan platform obtains the delivery time directly from the forwarder's agreement. In yet another embodiment, the delivery time may also be set by the loan platform. Alternatively, the loan platform may set the delivery time based on the cultivation period of the agricultural product to be cultivated. The term "cultivation period" refers to the time required for the agricultural products to be cultivated from the start of cultivation to the completion of cultivation, and specifically, the manner in which the loan platform sets the delivery time according to the cultivation period of the agricultural products to be cultivated may be: acquiring a cultivation period of agricultural products to be cultivated; the delivery time is set to a time greater than the cultivation period.

When the loan platform monitors that the delivery time arrives, the loan platform sends delivery prompt information to the instead-raising peasant household so as to facilitate the instead-raising peasant household to deliver the raised agricultural products to the instead-raising entrusted party in time, thereby avoiding the generation of the default behavior of the instead-raising peasant household on one hand and ensuring that the loan platform can receive the corresponding refund of the loan amount in time on the other hand.

S405, the loan platform pays the material platform with the money corresponding to the loan amount after the deposit deduction is carried out, so that the material platform delivers materials required by the agricultural products to be cultivated to the deposit farmer after receiving the money corresponding to the loan amount after the deposit deduction is carried out.

In one embodiment, the loan amount included in the loan application may be equal to or greater than the principal, and when the loan amount is equal to the principal, the loan platform pays all of the money corresponding to the loan amount to the principal for principal as principal for principal; when the loan amount is larger than the principal, the loan platform pays the principal corresponding to the principal from the loan amount, and paying the rest loan amount to a material platform corresponding to the replacement farmer, so that the material platform delivers materials required by culturing agricultural products to be cultured to the replacement farmer after receiving the money paid by the loan platform.

In one embodiment, the material platform is a material platform registered in the agricultural product support system, and the material platform may be determined by the loan platform according to historical purchasing records of a support farmer, may be designated by the support farmer when submitting a loan application, or may be designated by a support consignor. The material platform may refer to a feed selling company, a vaccine selling company, or the like.

It can be understood that the resource of the farmer can be purchased by the loan platform to cultivate the agricultural products to be cultivated, so that the economic pressure of the farmer can be relieved, and the process of purchasing the resource is monitored by the loan platform, so that the safety and reliability of the purchased resource can be ensured.

S406, when the replacement fee paid by the replacement commission party after the replacement farmer delivers the agricultural products after the cultivation is completed is received, the loan platform deducts the corresponding refund of the loan amount from the replacement fee, and pays the replacement fee after the corresponding refund of the loan amount is deducted to the replacement farmer.

In one embodiment, when the repayment time of the corresponding repayment of the loan amount arrives in step S406, if the loan platform receives the repayment fee paid by the repayment entruster after the repayment farmer delivers the farmed agricultural product, the loan platform deducts the corresponding repayment of the loan amount from the repayment fee, and pays the repayment fee remaining after deducting the corresponding repayment of the loan amount to the repayment farmer.

In one embodiment, when the repayment time of the corresponding repayment of the loan amount arrives, if the repayment expense paid by the repayment commissioner is not received, the loan platform determines whether the repayment commissioner receives the agricultural products which are delivered by the repayment farmer and are completed by the culture; if the replacement principal receives the agricultural products which are delivered by the replacement farmers and are cultivated, the loan platform carries out the collection of the corresponding payouts of the loan amount according to the determined repayment mode. Optionally, the repayment mode is agreed by three parties (the three parties refer to a loan platform, a proxy agent and a proxy farmer), and the repayment mode can be carried in a loan application submitted by the proxy farmer, or the repayment mode can be set by the loan platform according to the loan application of the proxy farmer and determined by the proxy agent and the proxy farmer, for example, the repayment mode is set by the loan platform according to the loan amount in the loan application.

If the repayment mode agreed by the three parties specifies that the repayment farmer pays through the repayment cost of the repayment commission party, the loan platform prompts the repayment commission party to collect the corresponding repayment cost of the loan amount at the moment, and specifically, the loan platform can send payment prompt information to the repayment commission party, wherein the payment prompt information is used for prompting the repayment commission party to pay the repayment cost for the repayment farmer.

If the repayment mode agreed by the three parties specifies that the repayment is carried out by the repayment peasant household through the self money, the loan platform prompts the repayment peasant household to collect the corresponding repayment of the loan amount at the moment, specifically, the repayment prompt information can be sent to the repayment peasant household by the loan platform, and the repayment prompt information is used for prompting the repayment peasant household to pay the corresponding repayment of the loan amount to the loan platform.

In other embodiments, when the repayment time of the corresponding repayment amount of the loan amount arrives, if the proxy party for the instead receives the agricultural product which is delivered by the farm party for the instead and is completed by the cultivation, the loan platform sends delivery prompt information to the farm party for the instead, so as to prompt the farm party for the instead to deliver the agricultural product which is completed by the cultivation to the proxy party for the instead.

In summary, if the loan platform does not receive the corresponding payable amount of the loan when the repayment time arrives, the loan platform judges the reason for not receiving the replacement fee and carries out the repayment based on the repayment mode determined by the three parties. If the repayment mode is to deduct the corresponding repayment of the loan amount from the repayment cost, at the moment, if the loan platform detects that the reason that the repayment is not received is that the repayment commission does not pay the repayment cost on time, the loan platform prompts the repayment commission to pay the repayment cost; if the agricultural products are not delivered to the agent on time, the loan platform can remind the agent to deliver the agricultural products, so that the agent can pay the loan platform for the agricultural products after receiving the agricultural products.

And S407, after receiving the corresponding payoff amount of the loan, the loan platform acquires the agricultural product information of the agricultural products after the cultivation is completed, and updates the cultivation information of the farmers instead according to the agricultural product information.

In one embodiment, after the loan platform receives the corresponding payoff amount of the loan, the loan platform can be regarded as the end of the instead-of-raising between the instead-of-raising consignor and the instead-of-raising peasant household, at this time, the loan platform can obtain the agricultural product information of the completion of the raising delivered to the instead-of-raising consignor by the instead-of-raising consignor, and the raising information of the instead-of-raising peasant household is updated according to the agricultural product information, so that the subsequent loan platform can achieve the instead-of-raising agreement between the instead-of-raising consignor and the appropriate instead-of-raising consignor according to the raising information of the instead-of-raising consignor. The agricultural product information comprises the quality of agricultural products, the quantity of agricultural products and the like, and if the farmer is a farmer who performs the first time of the farming through the agricultural product farming system, the farming information can be created for the farmer by updating the farming information; if the farming information exists in the agricultural product farming system, the farming information of the farming farmer can be modified or added according to the agricultural product information.

In the embodiment of the invention, after the loan platform is matched with a proper instead-raising peasant household, the loan platform instead-raising peasant household submits a loan application, and can audit the loan application based on the raising information and the instead-raising information of the instead-raising peasant household, and after the audit is passed, the instead-raising principal is paid with the instead-raising guarantee from the loan amount, so that after the instead-raising principal receives the instead-raising guarantee, agricultural products to be raised are delivered to the instead-raising peasant household to start raising. In addition, the loan platform can pay the loan amount which is left after the replacement credit guarantee is deducted to the material platform so as to purchase materials required by the replacement farmer when cultivating the agricultural products to be cultivated. After the modern farming process is finished, the loan platform updates farming information of the farmers according to farming finished agricultural product information delivered by the farmers, so that the guarantee that agricultural products are required to be paid for the farmers is automatically paid, more farmers participate in agricultural product farming, and the agricultural product farming efficiency in an agricultural supply chain is improved.

Referring to fig. 5, a schematic structural diagram of a loan device according to an embodiment of the invention, as shown in fig. 5, may include: an acquisition unit 501, an auditing unit 502, and a payment unit 503:

an obtaining unit 501, configured to obtain a loan application submitted by a replacement farmer, where the loan application includes personal information of the replacement farmer, loan amount, replacement information, and identification of a replacement consignor;

an auditing unit 502, configured to audit the loan application based on the personal information and the instead-of-maintaining information of the instead-maintaining farmer;

a payment unit 503, configured to pay, when the audit passes, a payment corresponding to the required instead-of-maintaining deposit to the instead-of-maintaining deposit according to the loan amount and the identifier of the instead-of-maintaining deposit, so that the instead-of-maintaining deposit delivers Dai Yangzhi agricultural products to the instead-of-maintaining farmer after receiving the payment corresponding to the instead-of-maintaining deposit;

optionally, the loan device further comprises a selection unit 504:

the obtaining unit 501 is further configured to obtain a replacement maintenance requirement and a replacement maintenance requirement issued by a replacement maintenance commissioner;

and the selection unit 504 is configured to select a matched replacement farmer for the replacement principal according to the replacement requirement and the replacement requirement.

Optionally, the auditing unit 502 is specifically configured to:

Optionally, the loan amount is larger than the support guarantee, and the agricultural product support system further comprises a material platform:

the payment unit 503 is further configured to pay the payment corresponding to the loan amount after the deposit deduction is made to the material platform, so that the material platform delivers the material required for culturing the agricultural product to be cultured to the farmer after receiving the payment corresponding to the deposit after the deposit deduction is made to the deposit.

Optionally, the loan apparatus further comprises a deduction unit 505, a determination unit 506 and a refund unit 507:

a deduction unit 505, configured to, when the repayment time of the corresponding payment amount of the loan arrives, deduct the corresponding repayment amount of the loan amount from the repayment amount if the repayment expense paid by the repayment consignor after the repayment peasant household delivers the cultured agricultural product is received;

a payment unit 503 for paying the replacement payment after deducting the corresponding payable amount of the loan amount to the replacement farmer;

a determining unit 506, configured to determine, when the repayment time of the corresponding payment amount reaches, if the repayment cost of the repayment commissioner is not received, whether the repayment commissioner receives the agricultural product after the cultivation delivered by the repayment farmer;

And the collection unit 507 is configured to collect, if the replacement principal has received the agricultural product that has been delivered by the replacement farmer and has been completed, a corresponding payment corresponding to the loan amount according to the determined payment method.

Optionally, the loan device further comprises an updating unit 508:

the obtaining unit 501 is further configured to obtain agricultural product information of agricultural products after cultivation is completed after receiving the payable corresponding to the loan amount;

and the updating unit 508 is used for updating the cultivation information of the replacement farmer according to the agricultural product information.

Optionally, the loan device further comprises a monitoring unit 509:

a monitoring unit 509, configured to monitor, when receiving information of notification of starting cultivation sent by a replacement farmer after receiving agricultural products to be cultivated delivered by the replacement farmer by the replacement commission party, delivery conditions of agricultural products after cultivation is completed;

and a sending unit 5010 configured to send, when the monitoring unit 509 monitors that the delivery time of the agricultural product after the cultivation is completed arrives, delivery prompt information to the farmer, where the delivery prompt information is used to prompt the farmer to deliver the agricultural product after the cultivation to the agent for the cultivation.

In the embodiment of the invention, the obtaining unit 501 obtains the loan application submitted by the instead-raising peasant household, and under the condition that the loan application is approved, the auditing unit audits the loan application based on the personal information and the instead-raising information of the instead-raising peasant household, and when the auditing passes, the payment unit 503 pays the instead-raising principal for the instead-raising principal according to the loan amount and the identification of the instead-raising principal, so that the instead-raising principal delivers the agricultural products to be raised to the instead-raising peasant household to start raising after receiving the instead-raising principal, thereby realizing the automatic payment of the required guarantee for the instead-raising agricultural products for the instead-raising peasant household, and enabling more instead-raising peasant household to participate in the instead-raising agricultural products in the agricultural product supply chain.

It will be appreciated that the functional units and functions of the units of the data processing apparatus of this embodiment may be specifically implemented according to the method in the method embodiments shown in fig. 3 and fig. 4, and the specific implementation process may refer to the relevant descriptions of the method embodiments shown in fig. 3 and fig. 4, which are not repeated herein.

Referring to fig. 6, a schematic block diagram of a server according to an embodiment of the present invention is provided. The server in the present embodiment as shown in fig. 6 corresponds to the loan platform previously described, and may include: one or more processors 601; one or more network interfaces 602 and a memory 603. The processor 601, the network interface 602, and the memory 603 are connected through a bus 604. The memory 603 is used for storing a computer program comprising program instructions, and the processor 601 is used for executing the program instructions stored in the memory 603. Wherein the processor 601 is configured to invoke program instruction execution:

obtaining a loan application submitted by a replacement farmer, wherein the loan application comprises the loan amount of personal information of the replacement farmer, the replacement information and the identification of the replacement entruster;

auditing the loan application based on the personal information and the instead-of-raising information of the instead-raising farmer;

When the examination passes, the required money corresponding to the substituted-cultivation guarantee deposit is paid to the substituted-cultivation entrusting party according to the loan amount and the identification of the substituted-cultivation entrusting party, so that the substituted-cultivation entrusting party can deliver agricultural products to be cultivated to the substituted-cultivation farmer after receiving the money corresponding to the substituted-cultivation guarantee deposit.

Optionally, the processor 601 is configured for the caller instructions to further execute:

acquiring the substitution requirement and the substitution requirement issued by the substitution entrusting party;

and selecting matched replacement farmers for the replacement entrusting party according to the replacement demands and the replacement demands.

Optionally, the implementation manner of the processor 601 when auditing the loan application based on the personal information of the home agent and the home agent is:

Optionally, the agricultural product replacement system further includes a material platform, the loan amount is greater than the replacement deposit, and after paying the replacement deposit corresponding to the replacement deposit according to the loan amount and the identifier of the replacement deposit, the processor 601 is configured to invoke the program instructions to further execute:

and paying the money corresponding to the loan amount after the deposit is deducted to the material platform so that the material platform can deliver materials required by culturing agricultural products to be cultured to a replacement farmer after receiving the money corresponding to the loan amount after the deposit is deducted.

Optionally, after paying the payment corresponding to the required agent deposit to the agent according to the loan amount and the agent identifier, the processor 601 is configured to invoke program instructions to further execute:

when the repayment time of the corresponding repayment of the loan amount arrives, if the repayment expense paid by the repayment entrusting party after the repayment farmer delivers the cultured agricultural products is received, the corresponding repayment of the loan amount is deducted from the repayment expense, and the repayment expense after the corresponding repayment of the loan amount is deducted is paid to the repayment farmer;

when the repayment time of the corresponding repayment amount of the loan amount reaches, if the repayment cost paid by the repayment entrusting party is not received, determining whether the repayment entrusting party receives the agricultural products which are delivered by the repayment peasant household and are cultured;

and if the replacement principal receives the agricultural products which are delivered by the replacement farmers and are cultivated, the payment corresponding to the loan amount is collected according to the determined payment mode.

after receiving the corresponding payable amount of the loan amount, acquiring agricultural product information of the agricultural products after cultivation;

when receiving the agricultural products to be cultured delivered by the replacement farmer at the replacement commission party and then sending notification information for starting the culture, monitoring the delivery condition of the agricultural products after the culture is completed;

and when the delivery time of the agricultural products after the cultivation is detected to be reached, sending delivery prompt information to the farmers, wherein the delivery prompt information is used for prompting the farmers to deliver the agricultural products after the cultivation to the agent for the cultivation.

It should be appreciated that in embodiments of the present invention, the processor 601 may be a central processing unit (Central Processing Unit, CPU), which may also be other general purpose processors, digital signal processors (Digital Signal Processor, DSPs), application specific integrated circuits (Application Specific Integrated Circuit, ASICs), off-the-shelf programmable gate arrays (Field-Programmable Gate Array, FPGAs) or other programmable logic devices, discrete gate or transistor logic devices, discrete hardware components, or the like. A general purpose processor may be a microprocessor or the processor may be any conventional processor or the like.

The network interface 602 is used to receive or transmit data when connecting to a network.

The memory 603 may include read only memory and random access memory and provide instructions and data to the processor 601. A portion of memory 603 may also include non-volatile random access memory. For example, the memory 603 may also store information of the device type.

In a specific implementation, the processor 601 described in the embodiment of the present invention may perform the implementation described in the embodiment of the loan method provided in fig. 3 and fig. 4, and may also perform the implementation of the loan device described in fig. 5, which is not described herein.

In an embodiment of the present invention, a computer readable storage medium is provided, where the computer readable storage medium stores a computer program, where the computer program includes program instructions, which when executed by a processor, implement the implementation described in the embodiments of the loan method provided in fig. 3 and fig. 4, and are not described herein.

Those skilled in the art will appreciate that the processes implementing all or part of the methods of the above embodiments may be implemented by a computer program for instructing relevant hardware, and the program may be stored in a computer readable storage medium, and the program may include the processes of the embodiments of the methods as above when executed. The storage medium may be a magnetic disk, an optical disk, a Read-Only Memory (ROM), a random-access Memory (Random Access Memory, RAM), or the like.

The above disclosure is only a preferred embodiment of the present invention, and it should be understood that the scope of the invention is not limited thereto, and those skilled in the art will appreciate that all or part of the procedures described above can be performed according to the equivalent changes of the claims, and still fall within the scope of the present invention.

Claims

1. A loan method, wherein the loan method is applied to an agricultural product instead of a farming system, the agricultural product instead of a farming farmer, a instead of a farming consignor, a material platform and a loan platform, the method comprising:

the loan platform acquires the substituted-cultivation requirements and the substituted-cultivation requirements issued by the substituted-cultivation entrusters and the historical substituted-cultivation data of a plurality of substituted-cultivation farmers;

the loan platform selects matched replacement farmers for the replacement consignor according to the replacement requirement and the replacement requirement, and the loan platform comprises the following steps: determining a plurality of farmers which are matched with the requirements of the farmers and the requirements of the farmers according to the historical data of the farmers;

the loan platform obtains a loan application submitted by the instead-of-raising peasant household, wherein the loan application comprises personal information of the instead-of-raising peasant household, loan amount, instead-of-raising information and identification of the instead-of-raising entruster;

The loan platform audits the loan application based on the personal information of the forwarder and the forwarder information, including: the loan platform obtains the cultivation information of the farmers based on the personal information of the farmers; the loan platform carries out auditing on the loan application based on the culture information and the instead-of-culturing information, wherein the culture information comprises historical loan repayment conditions of instead-of-culturing farmers and instead-culturing conditions of historical agricultural products;

when the examination passes, the loan platform pays the required money corresponding to the instead-of-raising guarantee deposit to the instead-of-raising consignor according to the loan amount and the identification of the instead-of-raising consignor, so that the instead-of-raising consignor can deliver agricultural products to be raised to the instead-of-raising peasant household after receiving the money corresponding to the instead-of-raising guarantee deposit, the loan amount is larger than the instead-of-raising guarantee deposit, and the loan platform pays the money corresponding to the loan amount after deducting the instead-of-raising guarantee deposit to the material platform, so that the material platform delivers the material required when raising the agricultural products to be raised to the instead-of-raising peasant household after receiving the money corresponding to the loan amount after deducting the instead-of-raising guarantee deposit;

When receiving the information of starting cultivation notification sent by the replacement cultivation farmer after the agricultural products to be cultivated are delivered by the replacement cultivation entrusting party, the loan platform monitors the delivery condition of the agricultural products after cultivation is completed; when the delivery time of the agricultural products after the cultivation is detected to be reached, the loan platform sends delivery prompt information to the farmer, wherein the delivery prompt information is used for prompting the farmer to deliver the agricultural products after the cultivation to the agent.

2. The method of claim 1, wherein the step of determining the position of the substrate comprises, after the loan platform pays the money corresponding to the required agent guarantee deposit to the agent according to the loan amount and the mark of the agent, the method further comprises:

when the repayment time of the corresponding repayment of the loan amount arrives, if the repayment expense paid by the repayment entruster after the repayment entruster delivers the cultured agricultural products is received, the loan platform deducts the corresponding repayment of the loan amount from the repayment expense and pays the repayment expense after deducting the corresponding repayment of the loan amount to the repayment entruster;

When the repayment time of the corresponding repayment amount of the loan amount reaches, if the repayment cost paid by the repayment consignor is not received, the loan platform determines whether the repayment consignor receives the agricultural products which are delivered by the repayment peasant household and are cultured;

and if the replacement principal receives the agricultural products which are delivered by the replacement farmer and are subjected to cultivation completion, the loan platform carries out the collection of the corresponding payable money of the loan amount according to the determined repayment mode.

3. The method according to claim 2, wherein the method further comprises:

after the loan platform receives the corresponding payable amount of the loan amount, the loan platform acquires agricultural product information of the agricultural products after the cultivation is completed;

and updating the cultivation information of the farmers instead of the agricultural product information.

4. A loan apparatus, wherein the loan apparatus is configured in a loan platform, the loan platform is applied in an agricultural product instead-of-rearing system, the agricultural product instead-of-rearing system further comprises a instead-of-rearing farmer, a material platform and a instead-of-rearing consignor, the apparatus comprising:

the obtaining unit is used for obtaining a loan application submitted by the replacement farmer, wherein the loan application comprises personal information of the replacement farmer, loan amount, replacement information and identification of the replacement entruster; the method is also used for acquiring the substituted-cultivation requirements issued by the substituted-cultivation entrusting party and the substituted-cultivation requirements and the historical substituted-cultivation data of a plurality of substituted-cultivation farmers;

A selection unit, configured to select a matched replacement farmer for the replacement principal according to the replacement requirement and the replacement requirement, including: determining a plurality of farmers which are matched with the requirements of the farmers and the requirements of the farmers according to the historical data of the farmers;

an auditing unit for auditing the loan application based on the personal information and the agent information of the agent farmer, comprising: the loan platform obtains the cultivation information of the farmers based on the personal information of the farmers; the loan platform carries out auditing on the loan application based on the culture information and the instead-of-culturing information, wherein the culture information comprises historical loan repayment conditions of instead-of-culturing farmers and instead-culturing conditions of historical agricultural products;

a payment unit, configured to pay, when the audit passes, a payment corresponding to a required instead-of-feeding guarantee to the instead-feeding consignor according to the loan amount and the identifier of the instead-feeding consignor, so that the instead-feeding consignor delivers the agricultural product after finishing the cultivation to the instead-feeding farmer after receiving the payment corresponding to the instead-feeding guarantee, the loan amount is greater than the instead-feeding guarantee, and the loan platform pays the payment corresponding to the loan amount after deducting the instead-feeding guarantee to the material platform, so that the material platform delivers the material required when the agricultural product to be cultivated is cultivated to the instead-feeding farmer after receiving the payment corresponding to the loan amount after deducting the instead-feeding guarantee;

The monitoring unit is used for monitoring the delivery condition of the agricultural products after the cultivation starting notification information is sent after the agricultural products to be cultivated, which are delivered by the cultivation replacing entrusters, are received by the cultivation replacing entrusters;

and the sending unit is used for sending delivery prompt information to the replacement farmer when the arrival of the delivery time of the agricultural products after the cultivation is detected, wherein the delivery prompt information is used for prompting the replacement farmer to deliver the agricultural products after the cultivation to the replacement consignor.

5. A server, comprising: a processor, a network interface, and a memory, the processor, the network interface, and the memory being interconnected, the memory being for storing a computer program comprising program instructions, the processor being configured to invoke the program instructions to perform the loan method of any of claims 1-3.

6. A computer readable storage medium, characterized in that the computer readable storage medium stores a computer program comprising program instructions that, when executed by a processor, cause the processor to perform the loan method of any of claims 1-3.