CN111340584A - Method, device, equipment and storage medium for determining fund side - Google Patents
Method, device, equipment and storage medium for determining fund side Download PDFInfo
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Abstract
The invention discloses a method, a device, equipment and a storage medium for determining a fund side. The method comprises the following steps: acquiring attribute information and order information of a user; matching the attribute information and the order information of the user with a fund party database to obtain a fund party list meeting preset conditions; and carrying out priority ranking on the fund party list according to the pre-stored credit investigation report records of the user, and taking the fund party with the highest priority as the fund party for carrying out financing matching. The attribute information and the order information of the user are matched with the fund party database to preliminarily obtain a fund party list meeting preset conditions, the fund party list is subjected to priority ranking according to the pre-stored credit investigation report records of the user, and the fund party with the highest priority is taken as the fund party for financing matching, so that the number of credit investigation is reduced, and the success rate of financing is improved.
Description
Technical Field
The embodiment of the invention relates to the technical field of finance, in particular to a method, a device, equipment and a storage medium for determining a fund party.
Background
Along with the development of economic technology, the capital investment is more and more, and the matching mode, namely the matching mode, of the customer capital requirement and the capital requirement of a capital party is more and more mature and efficient. The matching mode of the client fund demand and the fund side asset demand is changed from the traditional manual operation into the automatic operation of an asset financing platform.
In the process of implementing the invention, the inventor finds that the prior art has the following defects: in the prior art, in the process of financing matching, a plurality of fund parties meeting the requirements are usually determined according to customer information, and the actual fund parties are finally determined through repeated financing matching for many times.
Disclosure of Invention
The invention provides a method, a device, equipment and a storage medium for determining a fund side, which are used for improving the success rate of financing.
In a first aspect, an embodiment of the present invention provides a method for determining a funding party, where the method includes: acquiring attribute information and order information of a user; matching the attribute information and the order information of the user with a fund side database to obtain a fund side list meeting preset conditions, wherein the fund side database comprises a plurality of fund sides and limit indexes of each fund side; and carrying out priority ranking on the fund party list according to a pre-stored user credit investigation report record, and taking the fund party with the highest priority as the fund party for carrying out financing matching, wherein the user credit investigation report record comprises the fund party with successful matching of the user historical orders and the corresponding relation of the asset amount of each order.
In a second aspect, an embodiment of the present invention further provides an apparatus for determining a funding party, where the apparatus includes: the user attribute information and order information acquisition module is used for acquiring attribute information and order information of a user; the fund party list acquisition module is used for matching the attribute information and the order information of the user with a fund party database to obtain a fund party list meeting preset conditions, wherein the fund party database comprises a plurality of fund parties and limit indexes of each fund party; and the fund party determining module is used for carrying out priority ranking on the fund party list according to a pre-stored user credit investigation reporting record and taking the fund party with the highest priority as the fund party carrying out the financing agreement, wherein the user credit investigation reporting record comprises the fund party with successful user history order matching and the corresponding relation of the asset amount of each order.
In a third aspect, an embodiment of the present invention further provides an apparatus, where the apparatus includes: one or more processors;
a storage device for storing one or more programs,
when the one or more programs are executed by the one or more processors, the one or more processors are caused to implement a method according to any embodiment of the present invention.
In a fourth aspect, embodiments of the present invention provide a computer-readable storage medium, on which a computer program is stored, which when executed by a processor, implements a method according to any of the embodiments of the present invention.
The embodiment of the invention provides a method, a device, equipment and a storage medium for determining a fund party, which are used for primarily obtaining a fund party list meeting preset conditions by matching attribute information and order information of a user with a fund party database, then carrying out priority sequencing on the fund party list according to pre-stored credit investigation reporting records of the user, and taking a fund party with the highest priority as a fund party for carrying out financing matching, thereby reducing the number of credit investigation and improving the success rate of financing.
Drawings
The above and other features, advantages and aspects of various embodiments of the present disclosure will become more apparent by referring to the following detailed description when taken in conjunction with the accompanying drawings. Throughout the drawings, the same or similar reference numbers refer to the same or similar elements. It should be understood that the drawings are schematic and that elements and features are not necessarily drawn to scale.
FIG. 1 is a flow chart of a funding party determination method according to an embodiment of the present invention;
FIG. 2 is a flow chart of a funding party determination method according to a second embodiment of the present invention;
fig. 3 is a schematic structural diagram of a funding party determination device provided in the third embodiment of the present invention;
fig. 4 is a schematic structural diagram of an apparatus according to a fourth embodiment of the present invention.
Detailed Description
The present invention will be described in further detail with reference to the accompanying drawings and examples. It is to be understood that the specific embodiments described herein are merely illustrative of the invention and are not limiting of the invention. It should be further noted that, for the convenience of description, only some of the structures related to the present invention are shown in the drawings, not all of the structures.
Example one
Fig. 1 is a flowchart of a funding party determination method according to an embodiment of the present invention, where this embodiment may be applied to a case where a funding party for financing matching is determined, and this method may be executed by a funding party determination apparatus according to an embodiment of the present invention, and this apparatus may be implemented in software and/or hardware, and may be generally integrated in a computer device. The method of the embodiment of the invention specifically comprises the following steps:
Optionally, the attribute information of the user includes: identity information and qualification information; the order information includes: asset type and asset amount.
Specifically, when a user conducts financing matching on an asset financing platform and determines a funding party object, the user is required to place an order for the asset financing platform, the order for the user mainly comprises attribute information and order information of the user, the attribute information of the user comprises identity information and qualification information and is mainly used for identifying the identity of the user, for example, the identity information can comprise information such as name, age and sex of the user, and the qualification information comprises a second-level user credit rating and indicates that repayment credit is good. The order information is mainly used for indicating related information of financing, for example, the order information may include asset type and asset amount, for example, the asset type may include fixed asset, intangible asset or mobile asset, and the asset amount may be 10 ten thousand. It is to be understood that this embodiment is merely an example, and specific contents of the attribute information and the order information of the user are not limited.
And 102, matching the attribute information and the order information of the user with a fund party database to obtain a fund party list meeting preset conditions.
Optionally, matching the attribute information and the order information of the user with the fund party database to obtain a fund party list meeting preset conditions, which may include: comparing the identity information, the qualification information, the asset type and the asset amount with the limit indexes of each fund party to obtain a comparison result; and obtaining a fund party list meeting preset conditions according to the comparison result.
The fund party database comprises a plurality of fund parties and limit indexes of each fund party. For example, 4 funders are included in the funder database: the fund party B1 has the limitation indexes that the qualification information of the user is second grade, the asset type in the order information is fixed asset, and the asset amount is below 40 ten thousand; the fund party B2 has the limiting indexes of requirement of the qualification information of the user being over three levels, requirement of the age of the user being under 50 years, asset type in the order information being intangible asset and asset amount being over 20 ten thousand; the fund party B3 has the limitation indexes that the qualification information of the user is second grade, the asset type in the order information is fixed asset, and the asset amount is over 25 ten thousand; and the fund party B4 has the limitation indexes of first-class qualification information of the user, mobile asset type in the order information and asset amount below 15 ten thousand. And when it is determined that the acquired attribute information of the user a is as follows: the name is Zhang III, the age is 40 years old, the sex is male, the qualification information is credit rating of second grade; the obtained order information is as follows: the asset type is fixed asset and the asset amount is 30 ten thousand. Of course, the embodiment is only exemplified by 4 funding parties, and the number of funding parties contained in the funding party database is usually very large in practical applications.
Matching the attribute information and the order information of the user A with a fund party database to obtain a fund party list meeting preset conditions, wherein the fund party list is shown in the following table 1:
TABLE 1
| Numbering | Capital side |
| 1 | Funder B1 |
| 2 | Funder B2 |
| 3 | Funder B3 |
And 103, carrying out priority sequencing on the fund party list according to the pre-stored credit investigation report records of the user, and taking the fund party with the highest priority as the fund party for carrying out financing matching.
The user credit investigation report record comprises the fund party with successfully matched historical orders of the user and the corresponding relation of the asset amount of each order.
Optionally, the sorting of the priority of the fund party list according to the pre-stored user credit investigation report record may include: determining the order times corresponding to each fund party in the fund party list according to the credit reporting record of the user; adjusting the weight of each fund party in the fund party list according to the order times, wherein the order times are in inverse proportion to the weight; and carrying out priority ordering on the fund party list according to the sequence of the weights from large to small.
Specifically, in this embodiment, the credit investigation report record includes: the fund party matching with the user A successfully is a fund party B1, the order times are 2, wherein the asset amount of the first order is 10 ten thousand, and the asset amount of the second order is 5 ten thousand; the fund party matching with the user A successfully is the fund party B2, the order number is 1, and the asset amount of the order is 6 ten thousand; the fund party matching the user A successfully is a fund party B3, the order times are 3, the asset amount of the first order is 8 ten thousand, the asset amount of the second order is 6 ten thousand, and the asset amount of the third order is 10 ten thousand; the funder that matched user A successfully was funder B6, the order count was 1, and the asset amount of the order was 7 ten thousand. Therefore, it is determined that the order number corresponding to the fund B1 in the fund list 1 is 2, the order number corresponding to the fund B2 is 1, the order number corresponding to the fund B3 is 3, and the order number corresponding to each fund does not exceed the order number threshold of each fund according to the user credit investigation report record. Since the order number is inversely proportional to the weight, the reciprocal of the order number of each fund party can be taken as the weight corresponding to each fund party, so that the weight corresponding to the fund party B1 in the fund party list 1 is determined to be 1/2, the weight corresponding to the fund party B2 is determined to be 1, and the weight corresponding to the fund party B3 is determined to be 1/3, so that the fund parties in the fund party list 1 can be determined to be prioritized according to the order of the weights from large to small, which are respectively: funder B2 funder B1 funder B3. Thereby having the highest priority funder B2 as the funder for the financing match by user a.
It should be noted that, in this embodiment, the order number is merely exemplified, but it is of course possible to prioritize the fund party list according to other parameters and obtain the fund party with the highest priority according to the ranking result, and the specific parameter for prioritizing is not limited in this embodiment.
Optionally, after the funder with the highest priority is used as the funder for making financing match, the method may further include: and reporting the fund party with the highest priority and the order information to a user credit investigation reporting record.
Optionally, after the funder with the highest priority is used as the funder for making financing match, the method may further include: sending the order information to a fund side with the highest priority for auditing to obtain an auditing result, wherein the auditing result comprises auditing success and auditing failure; and deleting the fund party with the highest priority and the order information in the credit reporting record of the user under the condition of determining that the auditing is failed.
Optionally, reporting the fund party with the highest priority and the order information to the user credit investigation reporting record, which may include: independently reporting the fund party with the highest priority and the order information to a user credit investigation reporting record, or acquiring historical order information within a preset time range; and combining and reporting the fund party with the highest priority, the order information and the historical order information in the preset range to a user credit investigation reporting record.
The embodiment of the invention provides a method for determining a fund party, which comprises the steps of matching attribute information and order information of a user with a fund party database to preliminarily obtain a fund party list meeting preset conditions, carrying out priority sequencing on the fund party list according to pre-stored credit investigation report records of the user, and using a fund party with the highest priority as a fund party for carrying out financing matching, so that the number of times of credit investigation is reduced, and the success rate of financing is improved.
Example two
Fig. 2 is a flowchart of a funding party determination method according to a second embodiment of the present invention. The embodiment of the present invention may be combined with each optional solution in one or more embodiments, where in the embodiment of the present invention, after the foregoing method performs priority ranking on the fund party list according to a pre-stored user credit investigation report record, and takes the fund party with the highest priority as the fund party performing financing matching, the method further includes: sending the order information to a fund side with the highest priority for auditing to obtain an auditing result, wherein the auditing result comprises auditing success and auditing failure; and deleting the fund party with the highest priority and the order information in the credit reporting record of the user under the condition of determining that the auditing is failed.
As shown in fig. 2, the method of the embodiment of the present invention specifically includes:
And step 203, carrying out priority sequencing on the fund party list according to the pre-stored credit investigation report records of the user, and taking the fund party with the highest priority as the fund party for carrying out financing matching.
And step 204, sending the order information to the fund party with the highest priority for examination, and obtaining an examination result.
Optionally, after the fund party with the highest priority is used as the fund party for making financing match, the method further includes: and reporting the fund party with the highest priority and the order information to a user credit investigation reporting record.
Optionally, reporting the fund party with the highest priority and the order information to the user credit investigation reporting record, which may include: independently reporting the fund party with the highest priority and the order information to a user credit investigation reporting record, or acquiring historical order information within a preset time range; and combining and reporting the fund party with the highest priority, the order information and the historical order information in the preset range to a user credit investigation reporting record.
Specifically, for the determined funder with the highest priority, before the order information is submitted to the reviewing, the user may have submitted an order to the funder with the highest priority and has reviewed to be successful, for example, the funder with the highest priority corresponding to the determined order information of this time is the funder B2, and it is determined that the user a has submitted two orders to the funder B2 within one hour of the preset time range, and the funder a reports three pieces of order information in a combined manner, so when the current order information is determined to be the third order, the funder with the highest priority, the current order information, and the other two pieces of order information within one hour may be combined and reported to the user credit investigation report record; of course, for the fund party a, the frequency of the multiple pieces of order information in the preset time range may not be limited, but when the asset amount of the current order information and the multiple pieces of order information in the preset time range reaches the lower reporting limit of the fund party a, the multiple pieces of order information are reported in a merged reporting manner.
It should be noted that after the funder with the highest priority is determined, the order information needs to be sent to the funder with the highest priority for auditing, at this time, the funder with the highest priority performs detailed auditing analysis on the order information to determine whether the order information meets the paying condition, and since the funder is highly matched according to the attribute information and the order information of the user before the order is sent, the probability of successful auditing is greatly increased, thereby reducing the risk of refusal by the funder. Since each fund party has a respective auditing mechanism, and these matching processes before auditing may not be involved, the fund party with the highest priority still has a small probability of auditing failure after auditing the order information according to the self auditing mechanism.
And step 205, deleting the fund party with the highest priority and the order information in the credit reporting record of the user under the condition that the audit is determined to be failed.
Specifically, in the embodiment, the prompt message of successful ordering will be sent out when the verification of the fund side with the highest priority is determined to be successful, and the prompt message of failed ordering will be sent out when the verification is determined to be failed, and the fund side with the highest priority and the current order information reported in the reporting record of credit investigation of the user before are deleted, so that the credit investigation of the user is protected, and the adverse effect on the credit investigation of the user is reduced.
The embodiment of the invention provides a method for determining a fund party, which comprises the steps of matching attribute information and order information of a user with a fund party database to preliminarily obtain a fund party list meeting preset conditions, carrying out priority sequencing on the fund party list according to pre-stored credit investigation report records of the user, and using a fund party with the highest priority as a fund party for carrying out financing matching, so that the number of times of credit investigation is reduced, and the success rate of financing is improved. By sending the order information to the fund party with the highest priority for examination and deleting the fund party with the highest priority and the order information in the credit investigation report record of the user under the condition of failure of examination, the credit investigation of the user can be protected, and the adverse effect on the credit investigation of the user is reduced.
EXAMPLE III
Fig. 3 is a schematic structural diagram of a funding party determination apparatus according to a third embodiment of the present invention. The apparatus may be implemented in software and/or hardware and may generally be integrated in a computer device. As shown in fig. 3, the apparatus includes: a user attribute information and order information acquisition module 310, a funder list acquisition module 320, and a funder determination module 330 that makes financing matches.
The user attribute information and order information acquiring module 310 is configured to acquire attribute information and order information of a user.
The fund party list obtaining module 320 is configured to match the attribute information and the order information of the user with a fund party database, and obtain a fund party list meeting preset conditions, where the fund party database includes a plurality of fund parties and a limit index of each fund party.
And the fund party determining module 330 for financing matching is used for performing priority ranking on the fund party list according to the pre-stored user credit investigation report record and taking the fund party with the highest priority as the fund party for financing matching, wherein the user credit investigation report record comprises the fund party with successful matching of the user historical orders and the corresponding relation of the asset amount of each order.
The fund determining device provided by the embodiment of the present invention is the same as the fund determining method provided by the above embodiments, and the technical details that are not described in detail in the embodiment of the present invention may be referred to the above embodiments, and the embodiment of the present invention has the same beneficial effects as the above embodiments.
Example four
Fig. 4 is a schematic structural diagram of a computer device according to an embodiment of the present invention. FIG. 4 illustrates a block diagram of an exemplary computer device 412 suitable for use in implementing embodiments of the present invention. The computer device 412 shown in FIG. 4 is only one example and should not impose any limitations on the functionality or scope of use of embodiments of the present invention.
As shown in fig. 4, the computer device 412 is in the form of a general purpose computing device. Components of computer device 412 may include, but are not limited to: one or more processors 412, a memory 428, and a bus 418 that couples the various system components (including the memory 428 and the processor 416).
The memory 428 is used to store instructions. Memory 428 can include computer system readable media in the form of volatile memory, such as Random Access Memory (RAM)430 and/or cache memory 432. The computer device 412 may further include other removable/non-removable, volatile/nonvolatile computer system storage media. By way of example only, storage system 434 may be used to read from and write to non-removable, nonvolatile magnetic media (not shown in FIG. 4, commonly referred to as a "hard drive"). Although not shown in FIG. 4, a magnetic disk drive for reading from and writing to a removable, nonvolatile magnetic disk (e.g., a "floppy disk") and an optical disk drive for reading from or writing to a removable, nonvolatile optical disk (e.g., a CD-ROM, DVD-ROM, or other optical media) may be provided. In these cases, each drive may be connected to bus 418 by one or more data media interfaces. Memory 428 can include at least one program product having a set (e.g., at least one) of program modules that are configured to carry out the functions of embodiments of the invention.
A program/utility 440 having a set (at least one) of program modules 442 may be stored, for instance, in memory 428, such program modules 442 including, but not limited to, an operating system, one or more application programs, other program modules, and program data, each of which examples or some combination thereof may comprise an implementation of a network environment. The program modules 442 generally perform the functions and/or methodologies of the described embodiments of the invention.
The computer device 412 may also communicate with one or more external devices 414 (e.g., keyboard, pointing device, display 424, etc.), with one or more devices that enable a user to interact with the computer device 412, and/or with any devices (e.g., network card, modem, etc.) that enable the computer device 412 to communicate with one or more other computing devices. Such communication may occur via input/output (I/O) interfaces 422. Also, computer device 412 may communicate with one or more networks (e.g., a Local Area Network (LAN), a Wide Area Network (WAN) and/or a public network, such as the Internet) through network adapter 420. As shown, network adapter 420 communicates with the other modules of computer device 412 over bus 418. It should be appreciated that although not shown in FIG. 4, other hardware and/or software modules may be used in conjunction with the computer device 412, including but not limited to: microcode, device drivers, redundant processing units, external disk drive arrays, RAID systems, tape drives, and data backup storage systems, among others.
The processor 416 performs various functional applications and data processing by executing instructions stored in the memory 428, such as performing the following:
acquiring attribute information and order information of a user; matching the attribute information and the order information of the user with a fund side database to obtain a fund side list meeting preset conditions, wherein the fund side database comprises a plurality of fund sides and limit indexes of each fund side; and carrying out priority ranking on the fund party list according to a pre-stored user credit investigation report record, and taking the fund party with the highest priority as the fund party for carrying out financing matching, wherein the user credit investigation report record comprises the fund party with successful matching of the user historical orders and the corresponding relation of the asset amount of each order.
EXAMPLE five
Fifth embodiment of the present invention provides a computer-readable storage medium, on which a computer program is stored, where the computer program, when executed by a processor, implements the funder determination method provided in any embodiment of the present invention.
Namely: acquiring attribute information and order information of a user; matching the attribute information and the order information of the user with a fund side database to obtain a fund side list meeting preset conditions, wherein the fund side database comprises a plurality of fund sides and limit indexes of each fund side; and carrying out priority ranking on the fund party list according to a pre-stored user credit investigation report record, and taking the fund party with the highest priority as the fund party for carrying out financing matching, wherein the user credit investigation report record comprises the fund party with successful matching of the user historical orders and the corresponding relation of the asset amount of each order.
Any combination of one or more computer-readable media may be employed. The computer readable medium may be a computer readable signal or a computer readable storage medium. A computer readable storage medium may be, for example, but not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or any combination of the foregoing. More specific examples (a non-exhaustive list) of the computer readable storage medium would include the following: an electrical connection having one or more wires, a portable computer diskette, a hard disk, a Random Access Memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disc read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing. In the context of this document, a computer readable storage medium may be any tangible medium that can contain, or store a program for use by or in connection with an instruction execution system, apparatus, or device.
A computer readable signal medium may include a propagated data signal with computer readable program code embodied therein, for example, in baseband or as part of a carrier wave. Such a propagated data signal may take any of a variety of forms, including, but not limited to, electro-magnetic, optical, or any suitable combination thereof. A computer readable signal medium may also be any computer readable medium that is not a computer readable storage medium and that can communicate, propagate, or transport a program for use by or in connection with an instruction execution system, apparatus, or device.
Program code embodied on a computer readable medium may be transmitted using any appropriate medium, including but not limited to wireless, wireline, optical fiber cable, RF, etc., or any suitable combination of the foregoing.
Computer program code for carrying out operations for aspects of the present invention may be written in any combination of one or more programming languages, including an object oriented programming language such as Java, Smalltalk, C + +, or the like, as well as conventional procedural programming languages, such as the "C" programming language or similar programming languages. The program code may execute entirely on the user's computer, partly on the user's computer, as a stand-alone software package, partly on the user's computer and partly on a remote computer or entirely on the remote computer or server. In the case of a remote computer, the remote computer may be connected to the user's computer through any type of network, including a Local Area Network (LAN) or a Wide Area Network (WAN), or the connection may be made to an external computer (for example, through the Internet using an Internet service provider).
It is to be noted that the foregoing is only illustrative of the preferred embodiments of the present invention and the technical principles employed. It will be understood by those skilled in the art that the present invention is not limited to the particular embodiments described herein, but is capable of various obvious changes, rearrangements and substitutions as will now become apparent to those skilled in the art without departing from the scope of the invention. Therefore, although the present invention has been described in greater detail by the above embodiments, the present invention is not limited to the above embodiments, and may include other equivalent embodiments without departing from the spirit of the present invention, and the scope of the present invention is determined by the scope of the appended claims.
Claims (10)
1. A method of funding, comprising:
acquiring attribute information and order information of a user;
matching the attribute information and the order information of the user with a fund party database to obtain a fund party list meeting preset conditions, wherein the fund party database comprises a plurality of fund parties and a limit index of each fund party;
and carrying out priority ranking on the fund party list according to a pre-stored user credit investigation report record, and taking the fund party with the highest priority as a fund party for financing matching, wherein the user credit investigation report record comprises the fund party with successful matching of the user historical orders and the corresponding relation of the asset amount of each order.
2. The method of claim 1, wherein the attribute information of the user comprises: identity information and qualification information;
the order information includes: asset type and asset amount.
3. The method according to claim 2, wherein the matching of the attribute information of the user and the order information with a funder database to obtain a funder list meeting preset conditions comprises:
comparing the identity information, the qualification information, the asset type and the asset amount with the limit index of each fund party to obtain a comparison result;
and obtaining the fund party list meeting preset conditions according to the comparison result.
4. The method of claim 3, wherein the prioritizing the funder list according to pre-stored user credit investigation reporting records comprises:
determining the order times corresponding to each fund party in the fund party list according to the user credit investigation report record;
adjusting the weight of each fund party in the fund party list according to the order times, wherein the order times are in inverse proportion to the weight;
and carrying out priority ordering on the fund party list according to the sequence of the weights from large to small.
5. The method of claim 4, wherein after the funder with the highest priority is used as the funder for financing matching, the method further comprises:
and reporting the fund party with the highest priority and the order information to the user credit investigation reporting record.
6. The method of claim 5, wherein after the funder with the highest priority is used as the funder for financing matching, the method further comprises:
sending the order information to the fund side with the highest priority for auditing to obtain an auditing result, wherein the auditing result comprises auditing success and auditing failure;
and deleting the fund party with the highest priority and the order information in the user credit investigation report record under the condition of determining that the audit fails.
7. The method of claim 5, wherein reporting the funder with the highest priority and the order information to the user credit reporting record comprises:
independently reporting the fund party with the highest priority and the order information to the user credit investigation reporting record, or,
acquiring historical order information within a preset time range;
and combining and reporting the fund party with the highest priority, the order information and the historical order information in the preset range to the user credit investigation reporting record.
8. A funding party determination apparatus, characterized in that the apparatus comprises:
the user attribute information and order information acquisition module is used for acquiring attribute information and order information of a user;
the fund party list acquisition module is used for matching the attribute information of the user and the order information with a fund party database to obtain a fund party list meeting preset conditions, wherein the fund party database comprises a plurality of fund parties and a limit index of each fund party;
and the fund party determining module is used for carrying out priority ranking on the fund party list according to a pre-stored user credit investigation reporting record and taking the fund party with the highest priority as the fund party carrying out the financing agreement, wherein the user credit investigation reporting record comprises the fund party with successful matching of the user historical orders and the corresponding relation of the asset amount of each order.
9. An apparatus, characterized in that the apparatus comprises:
one or more processors;
a storage device for storing one or more programs,
when executed by the one or more processors, cause the one or more processors to implement the method of any one of claims 1-7.
10. A computer-readable storage medium, on which a computer program is stored which, when being executed by a processor, carries out the method according to any one of claims 1-7.
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Application publication date: 20200626 |