CN111461871A - Quota control method, device, equipment and computer readable storage medium - Google Patents
Quota control method, device, equipment and computer readable storage medium Download PDFInfo
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Abstract
The invention discloses a limit control method, which comprises the following steps: acquiring postloan parameter information of a postloan object, and determining a risk label of the postloan object based on the postloan parameter information; determining valuation information of the mortgage of the credited object; and determining the credit line control strategy of the credited object based on the risk label and the valuation information, and executing the credit line control strategy. The invention also discloses a limit control device, equipment and a computer readable storage medium. In the process of risk monitoring of the credited object, the risk label of the credited object and the valuation information of the mortgage are used as monitoring parameters, and the credit control strategy of the credited object is flexibly adjusted according to different risk labels and valuation change of the mortgage, so that risk monitoring of different credited objects is responded, the intelligence of post-credit risk control is improved, and flexible post-credit risk control is realized.
Description
Technical Field
The invention relates to the technical field of financial technology (Fintech), in particular to a method, a device, equipment and a computer readable storage medium for controlling an amount.
Background
In recent years, with the development of financial technology (Fintech), particularly internet finance, data monitoring technology has been introduced into daily services of financial institutions such as banks. In the daily service process of financial institutions such as banks, post-loan behaviors of a post-loan object often need to be monitored, and the post-loan object is managed and controlled to be disposed, so that loss risks of the financial institutions such as banks are prevented from being increased.
The existing post-credit risk management and control handling method comprises a frozen amount and a non-frozen amount, wherein the frozen amount means that an object has post-credit risk after being monitored to be credited, if the repayment capacity is reduced and the like, the amount is frozen, the repayment is not added any more, and the condition that the object does not have the risk of repayment after being credited is avoided; the non-frozen quota means that when the post-loan risk of the object does not exist after the loan is monitored, or the post-loan risk is low, the quota of the object is not frozen, only the quota of the object is marked, and the object is continuously monitored.
However, with the diversification of loan forms, the conventional post-loan risk management and control disposal methods obviously cannot meet the actual business requirements, for example, when the post-loan object is mortgage, when the mortgage is depreciated, if the mortgage is managed according to the previous amount, the financial institutions such as banks and the like can bear greater post-loan risks. Obviously, the existing post-loan risk management and control mode is single and not flexible and intelligent enough.
Disclosure of Invention
The invention mainly aims to provide a method, a device, equipment and a computer readable storage medium for controlling an amount, and aims to realize flexible management and control of risks after credit.
In order to achieve the above object, the present invention provides a method for controlling a quota, comprising the steps of:
acquiring postloan parameter information of a postloan object, and determining a risk label of the postloan object based on the postloan parameter information;
determining valuation information of the mortgage of the credited object;
and determining the credit line control strategy of the credited object based on the risk label and the valuation information, and executing the credit line control strategy.
Preferably, the step of obtaining the parameter information after the subject is credited and determining the risk label of the subject based on the parameter information after the subject is credited includes:
acquiring post-loan parameter information of a post-loan object, wherein the post-loan parameter information at least comprises overdue information;
and inputting the parameter information after the loan into a pre-constructed risk handling model to obtain a risk label of the object after the loan.
Preferably, the credit control policy includes a first credit control policy, the determining the credit control policy of the credited object based on the risk label and the valuation information, and the executing the credit control policy includes:
if the risk label is normal, calculating the mortgage rate of the mortgage object based on the evaluation value information;
and determining a first value unit control strategy of the credited object based on the evaluation information and the mortgage rate, and executing the first value unit control strategy.
Preferably, the first value unit control strategy comprises a first strategy and a second strategy, the step of determining the first value unit control strategy of the credited object based on the valuation information and the mortgage rate and executing the first value unit control strategy comprises:
determining whether the value of the collateral drops based on the valuation information;
if the mortgage rate exceeds a preset threshold value, determining a first strategy of the credited object, and executing the first strategy;
and if the mortgage rate does not exceed a preset threshold value, determining a second strategy of the credited object, and executing the second strategy.
Preferably, the credit control policy includes a second credit control policy, the determining the credit control policy of the credited object based on the risk label and the valuation information, and the executing the credit control policy includes:
if the risk label is abnormal, determining the available amount of the credited object based on the evaluation information, and acquiring the borrowed amount of the credited object;
and determining a second limit control strategy of the credited object based on the available limit and the debited amount, and executing the second limit control strategy.
Preferably, the second value unit control strategy comprises a third strategy and a fourth strategy, the step of determining the second value unit control strategy of the credited object based on the available value unit and the debited amount and executing the second value unit control strategy comprises:
if the borrowed amount is larger than the available amount, determining a third strategy of the lended object, and executing the third strategy;
and if the borrowed amount is not greater than the available amount, determining a fourth strategy of the lended object, and executing the fourth strategy.
Preferably, after the step of determining the credit object's credit line control policy based on the risk label and the valuation information and executing the credit line control policy, the credit line control method further comprises:
acquiring loan information of the object after the loan, and determining whether the object after the loan meets a policy removing condition based on the loan information;
and if so, removing the limit control strategy.
In order to achieve the above object, the present invention also provides an amount control device, including:
the acquiring module is used for acquiring the parameter information after the object is credited and determining the risk label of the object after the object is credited based on the parameter information after the object is credited;
the determining module is used for determining the valuation information of the mortgage of the credited object;
and the execution module is used for determining the quota control strategy of the credited object based on the risk label and the valuation information and executing the quota control strategy.
Preferably, the obtaining module is further configured to:
acquiring post-loan parameter information of a post-loan object, wherein the post-loan parameter information at least comprises overdue information;
and inputting the parameter information after the loan into a pre-constructed risk handling model to obtain a risk label of the object after the loan.
Preferably, the execution module is further configured to:
if the risk label is normal, calculating the mortgage rate of the mortgage object based on the evaluation value information;
and determining a first value unit control strategy of the credited object based on the evaluation information and the mortgage rate, and executing the first value unit control strategy.
Preferably, the execution module is further configured to:
determining whether the value of the collateral drops based on the valuation information;
if the mortgage rate exceeds a preset threshold value, determining a first strategy of the credited object, and executing the first strategy;
and if the mortgage rate does not exceed a preset threshold value, determining a second strategy of the credited object, and executing the second strategy.
Preferably, the execution module is further configured to:
if the risk label is abnormal, determining the available amount of the credited object based on the evaluation information, and acquiring the borrowed amount of the credited object;
and determining a second limit control strategy of the credited object based on the available limit and the debited amount, and executing the second limit control strategy.
Preferably, the execution module is further configured to:
if the borrowed amount is larger than the available amount, determining a third strategy of the lended object, and executing the third strategy;
and if the borrowed amount is not greater than the available amount, determining a fourth strategy of the lended object, and executing the fourth strategy.
Preferably, the credit control device further comprises a releasing module, and the releasing module is used for:
acquiring loan information of the object after the loan, and determining whether the object after the loan meets a policy removing condition based on the loan information;
and if so, removing the limit control strategy.
In addition, to achieve the above object, the present invention also provides an amount control apparatus, including: the credit control system comprises a memory, a processor and a credit control program which is stored on the memory and can run on the processor, wherein the credit control program realizes the steps of the credit control method when being executed by the processor.
In addition, to achieve the above object, the present invention further provides a computer readable storage medium, wherein the computer readable storage medium stores an amount control program, and the amount control program realizes the steps of the amount control method when being executed by a processor.
The method for controlling the amount obtains parameter information after the loan of an object, and determines a risk label of the object after the loan based on the parameter information after the loan; determining valuation information of the mortgage of the credited object; and determining the credit line control strategy of the credited object based on the risk label and the valuation information, and executing the credit line control strategy. In the process of risk monitoring of the credited object, the risk label of the credited object and the valuation information of the mortgage are used as monitoring parameters, and the credit control strategy of the credited object is flexibly adjusted according to different risk labels and valuation change of the mortgage, so that risk monitoring of different credited objects is responded, the intelligence of post-credit risk control is improved, and flexible post-credit risk control is realized.
Drawings
FIG. 1 is a schematic diagram of an apparatus architecture of a hardware operating environment according to an embodiment of the present invention;
FIG. 2 is a flowchart illustrating a first embodiment of a credit control method according to the invention.
The implementation, functional features and advantages of the objects of the present invention will be further explained with reference to the accompanying drawings.
Detailed Description
It should be understood that the specific embodiments described herein are merely illustrative of the invention and are not intended to limit the invention.
As shown in fig. 1, fig. 1 is a schematic device structure diagram of a hardware operating environment according to an embodiment of the present invention.
The device of the embodiment of the invention can be a mobile terminal or a server device.
As shown in fig. 1, the apparatus may include: a processor 1001, such as a CPU, a network interface 1004, a user interface 1003, a memory 1005, a communication bus 1002. Wherein a communication bus 1002 is used to enable connective communication between these components. The user interface 1003 may include a Display screen (Display), an input unit such as a Keyboard (Keyboard), and the optional user interface 1003 may also include a standard wired interface, a wireless interface. The network interface 1004 may optionally include a standard wired interface, a wireless interface (e.g., WI-FI interface). The memory 1005 may be a high-speed RAM memory or a non-volatile memory (e.g., a magnetic disk memory). The memory 1005 may alternatively be a storage device separate from the processor 1001.
Those skilled in the art will appreciate that the configuration of the apparatus shown in fig. 1 is not intended to be limiting of the apparatus and may include more or fewer components than those shown, or some components may be combined, or a different arrangement of components.
As shown in fig. 1, a memory 1005, which is a kind of computer storage medium, may include an operating system, a network communication module, a user interface module, and an amount control program therein.
The operating system is a program for managing and controlling the credit control equipment and software resources, and supports the operation of a network communication module, a user interface module, the credit control program and other programs or software; the network communication module is used for managing and controlling the network interface 1002; the user interface module is used to manage and control the user interface 1003.
In the credit control device shown in FIG. 1, the credit control device calls the credit control program stored in the memory 1005 through the processor 1001 and performs the operations in the various embodiments of the credit control method described below.
Based on the hardware structure, the embodiment of the quota controlling method is provided.
Referring to fig. 2, fig. 2 is a schematic flow chart of a first embodiment of the credit control method of the invention, the method comprising:
step S10, acquiring postloan parameter information of a postloan object, and determining a risk label of the postloan object based on the postloan parameter information;
step S20, determining the estimation information of the mortgage of the credited object;
and step S30, determining the credit line control strategy of the credited object based on the risk label and the evaluation information, and executing the credit line control strategy.
The method for controlling the limit is applied to limit control equipment of financial institutions such as financial institutions or banks, the limit control equipment can be terminals, robots or PC equipment, and for convenience in description, the limit control equipment is abbreviated as control equipment. The control equipment is internally provided with a risk handling model which is used for determining a risk label of a credited object, and is in butt joint with a financial system, such as a business system and the like, so that parameter information collected by the financial system, such as credited parameter information, mortgage evaluation information and the like, can be acquired.
The post-loan object of this embodiment refers to a person or an enterprise that loans to a lending institution, such as a financial institution such as a bank, and it is known that the post-loan object needs to be repacked to the lending institution after the loan, such as credit loan, and the post-loan object needs to be repacked within a certain time after using money such as a credit card, and if the post-loan object has poor credit, the situation that the loan is over but not repacked is likely to occur, and in order to avoid similar situations, the post-loan object needs to be monitored and timely disposed of, so as to reduce or avoid the post-loan risk of the financial institution such as a bank.
In order to meet the actual requirements of different businesses, in the process of monitoring the object after the loan, the risk label of the object after the loan and the evaluation value of the mortgage of the object after the loan are used as monitoring parameters, the control strategy after the loan of the object after the loan is adjusted in time, the financial institutions such as banks and the like and the economy of the object after the loan are prevented from causing loss, the monitoring process after the loan is optimized, and flexible monitoring is achieved.
The respective steps will be described in detail below:
step S10, acquiring the parameter information after the loan of the object, and determining the risk label of the object after the loan based on the parameter information after the loan.
In this embodiment, the control device first obtains post-loan parameter information of the post-loan object, and determines the risk label of the post-loan object according to the post-loan parameter information, where the post-loan parameter information is different according to different post-loan objects.
That is, the type of the object after being credited is determined, and then the parameter information after being credited is obtained according to the type, specifically, when the object after being credited is an individual, the parameter information after being credited of the object after being credited at least includes one or more of personal credit information, personal loan overdue information, personal fund thirst information, personal asset quality information, information about execution of complaints, illegal criminal suspicion information, a loss list, high consumption restriction information and entry restriction information, wherein the personal fund thirst information can be determined by frequency of querying the loan condition record of the object after being credited, and if the number of times of querying the loan condition record of the object after being credited in one month exceeds a preset number, the personal fund thirst degree of the object after being credited is determined, and the personal asset quality information can be determined by whether an abnormality exists in any one of the credit card after being credited, and if no abnormity exists, determining that the personal asset quality of the post-loan object is high.
When the post-loan object is an enterprise, the post-loan parameter information of the post-loan object at least comprises one or more of enterprise loan overdue information, income information, customer information, tax payment information, enterprise fund hunger and thirst information, enterprise executed information and enterprise asset quality information, wherein, the customer information can be determined by the customer quantity, namely, how much the customer quantity of the credited object is, so as to reflect the customer information of the credited object, the enterprise fund hunger and thirst information can be determined by determining the number of newly added loans of the object within a certain time after the loans, if the newly added loan frequency of the loan object after the loan is more than the preset frequency within half a year, the enterprise fund hunger and thirst degree of the loan object is determined to be high, and the enterprise asset quality information can be determined through the shortage summarized number of the enterprise, if the shortage summarized number of the credited object exceeds the preset number within a period of time, the enterprise asset quality of the credited object is determined to be poor, and the like.
In one embodiment, step S10 includes:
a1, acquiring postloan parameter information of a postloan object, wherein the postloan parameter information at least comprises overdue information;
in an embodiment, the parameter information after lending at least includes overdue information, so that when the parameter information after lending of the object after lending is obtained, at least the overdue information of the object after lending is obtained, it can be understood that in specific implementation, in order to obtain a more accurate risk label, more parameter information related to risk, such as the above-mentioned asset quality information, may be further obtained.
Step a2, inputting the parameter information into a pre-constructed risk handling model to obtain the risk label of the post-loan object.
And then inputting the parameter information after the credit as model input into a pre-constructed risk handling model so as to obtain a risk label output by the risk handling model, wherein the construction principle of the risk handling model is to adopt a plurality of pieces of parameter information after the training credit as the input of the model, adopt training risk labels corresponding to the plurality of pieces of parameter information after the training credit as the output of the model, and train for multiple times to obtain the risk label, so that in specific implementation, the corresponding risk label can be obtained only by inputting the parameter information after the credit.
In order to reduce the complexity of the model, when the risk handling model is trained, the risk grade of the post-loan object is determined according to the post-loan parameter information, the risk grade is used as the input of the risk handling model, and the risk label corresponding to the risk grade is used as the output of the risk handling model, so that the risk handling model with higher interpretability is trained. In specific implementation, an association table of the parameter information after the loan and the risk level can be designed, and after the parameter information after the loan is obtained, the corresponding risk level is determined by looking up the association table, so that the risk level is input into a risk handling model to obtain a risk label.
It is understood that the risk labels can be classified as normal and abnormal or other labels, such as focus monitoring labels, etc., during the training process, as desired.
In step S20, the estimation information of the mortgage of the credited object is determined.
In this embodiment, after obtaining the risk label of the credited object, the estimation information of the mortgage of the credited object, that is, the latest estimation of the mortgage, is continuously determined, and it can be understood that the estimation of the mortgage is changed with time, for example, if the mortgage is a real estate, the value of the real estate is changed with time.
In specific implementation, the mortgage type of the mortgage of the credited object can be determined firstly, then the evaluation period is determined according to the mortgage type, and when the current time meets the evaluation period, the evaluation information of the mortgage of the credited object is determined, wherein the mortgage type comprises two types, namely large evaluation fluctuation and small evaluation fluctuation, the evaluation change of the mortgage in the preset historical time can be obtained specifically, the evaluation fluctuation of the mortgage is determined, if the difference value of a peak and a trough in the preset historical time is taken as the evaluation fluctuation, if the evaluation fluctuation exceeds the preset fluctuation value, the mortgage type of the current mortgage is determined as large evaluation fluctuation; otherwise, the estimation fluctuation is small.
In specific implementation, if the mortgage is a real estate, the real estate is determined to belong to large estimation value fluctuation or small estimation value fluctuation, then an estimation period is determined, if the actual time is half a year, and when the current time meets the condition of half a year, a new round of estimation is performed on the real estate. When the estimation value of the mortgage is greatly fluctuated, the estimation period can be shortened, such as real-time estimation and the like, so as to ensure that the estimation value information of the mortgage has reference value.
And step S30, determining the credit line control strategy of the credited object based on the risk label and the evaluation information, and executing the credit line control strategy.
In this embodiment, after determining the risk label of the credited object and the corresponding evaluation information of the mortgage, the credit control policy of the credited object is determined according to the determined risk label and evaluation information, and the credit control policy is executed to manage and control the credited object, so as to reduce the risk after the credited object caused by the subjective factor of the repayment capability of the credited object and the objective factor of the evaluation change of the mortgage.
In one embodiment, the credit control policy includes a first credit control policy, and step S30 includes:
step b1, if the risk label is normal, calculating the mortgage rate of the mortgage object based on the evaluation information;
in one embodiment, if the risk label of the credited object obtained by the risk processing model is normal, the mortgage rate of the mortgage is calculated based on the evaluation information of the mortgage, wherein the mortgage rate calculation can determine the mortgage limit of the credited object, i.e. the loan limit obtained by the credited object mortgaging the current mortgage, then determine the current evaluation information, i.e. the latest evaluation, of the mortgage, and then divide the mortgage limit by the latest evaluation to obtain the mortgage rate of the mortgage.
Step b2, determining a first credit line control strategy of the credited object based on the valuation information and the mortgage rate, and executing the first credit line control strategy.
And determining a first credit line control strategy of the credited object according to the valuation information and the mortgage rate, wherein the first credit line control strategy comprises a first strategy and a second strategy.
Specifically, step b2 includes:
determining whether the value of the collateral drops based on the valuation information;
in this step, the current evaluation information is compared with the initial evaluation information of the mortgage, that is, the evaluation information of the mortgage loan of the object after the mortgage, to determine whether the value of the mortgage has fallen, and if the initial evaluation information of the mortgage is 100 ten thousand, and the current latest evaluation information is 90 ten thousand, it is determined that the value of the mortgage has fallen.
If the mortgage rate exceeds a preset threshold value, determining a first strategy of the credited object, and executing the first strategy;
if it is determined that the value of the collateral drops, further determining whether the collateral rate exceeds a preset threshold, if so, determining a first strategy of the credited object, and executing the first strategy, wherein the preset threshold can be set according to actual conditions, for example, 75%, if the initial evaluation information of the collateral is 100 ten thousand, the conversion rate of the collateral during the collateral is 70%, 100 ten thousand × 70% ~ 70 ten thousand, 70 ten thousand is the collateral limit of the credited object, at this time, if the latest evaluation of the collateral is 90 ten thousand, the current collateral rate of the collateral is 70 ten thousand 90 ten thousand 77.7%, at this time, the collateral rate exceeds the preset threshold 75%, determining that the first strategy is not additionally increased, that is, the credited object is not additionally increased, for example, the credited object is already increased by 50 ten thousand, even if 20 ten thousand is still, the loan is allowed to be increased.
It can be understood that, in the actual mortgage process, the mortgage rate of the mortgage cannot exceed the preset threshold value, so as to ensure that financial institutions such as banks can sell profit by themselves when the loan object cannot pay money after the mortgage, and if the current estimated value of the mortgage is 100 ten thousand, the mortgage limit cannot exceed 100 ten thousand.
And if the mortgage rate does not exceed a preset threshold value, determining a second strategy of the credited object, and executing the second strategy.
If the value of the mortgage is determined to fall, but the mortgage rate does not exceed the preset threshold, a second strategy is determined, and the second strategy is executed, wherein the second strategy can be to continue to withdraw money without increasing the amount, namely, the credited object withdraws money on the original amount, and if the original amount is 70 thousands, and if 50 thousands are withdrawn, the refund can continue to withdraw money for 20 thousands and the like.
Further, in another embodiment, the method for controlling the quota further comprises:
if the mortgage is not dropped and the mortgage rate of the mortgage is lower than the bottom threshold, determining and executing the credit line control strategy of the credited object, wherein the bottom threshold can be set according to the actual situation, for example, 60%, that is, along with the rising of the mortgage, the credit line of the credited object is lower, the credit line control strategy at the moment can be to increase the credit line and continue to withdraw, that is, to improve the credit line of the credited object, and to withdraw money on the basis of the improved credit line, for example, the original credit line is 70 thousands, and if 50 thousands are withdrawn, the credit line is 80 thousands, and the credited object can also withdraw money by 30 thousands and the like.
If the credit is not dropped and the mortgage rate of the mortgage is not lower than the bottom pocket threshold value, determining that the credit control strategy of the credited object is to continue to withdraw money but not increase the credit.
The embodiment acquires the parameter information after the loan of the object, and determines the risk label of the object after the loan based on the parameter information after the loan; determining valuation information of the mortgage of the credited object; and determining the credit line control strategy of the credited object based on the risk label and the valuation information, and executing the credit line control strategy. In the process of risk monitoring of the credited object, the risk label of the credited object and the valuation information of the mortgage are used as monitoring parameters, and the credit control strategy of the credited object is flexibly adjusted according to different risk labels and valuation change of the mortgage, so that risk monitoring of different credited objects is responded, the intelligence of post-credit risk control is improved, and flexible post-credit risk control is realized.
Furthermore, a second embodiment of the credit control method of the invention is provided based on the first embodiment of the credit control method of the invention.
The second embodiment of the credit control method is different from the first embodiment of the credit control method in that step S30 includes:
step c, if the risk label is abnormal, determining the available amount of the credited object based on the evaluation information, and acquiring the borrowed amount of the credited object;
and d, determining a second limit control strategy of the credited object based on the available limit and the borrowed amount, and executing the second limit control strategy.
The credit line control strategy of this embodiment includes a second credit line control strategy, and when it is determined that the risk tag of the credited object is abnormal, that is, the credited object has a risk after the crediting, the second credit line control strategy is determined according to the available credit line and the debited credit amount, and is executed.
The respective steps will be described in detail below:
and c, if the risk label is abnormal, determining the available amount of the credited object based on the evaluation information, and acquiring the borrowed amount of the credited object.
In this embodiment, if the risk label of the credited object obtained by the risk handling model is abnormal, the available amount of the credited object is determined according to the evaluation information, where the available amount of the credited object is changed according to the evaluation information of the collateral, and if the available amount of the credited object is determined according to the preset percentage of the evaluation information of the collateral, if the preset percentage is 70%, 70% of the latest evaluation of the collateral is the available amount of the credited object, and if the latest evaluation of the amount of the collateral is 100 ten thousand, the available amount of the credited object is 70 ten thousand, and the borrowed amount of the credited object, that is, the amount of money that the credited object has drawn, if the user has drawn 50 ten thousand, is obtained.
And d, determining a second limit control strategy of the credited object based on the available limit and the borrowed amount, and executing the second limit control strategy.
In this embodiment, a second policy for controlling the credit subject is determined based on the determined available credit and the debited amount, where the second policy for controlling the credit includes a third policy and a fourth policy.
Specifically, step d includes:
if the borrowed amount is larger than the available amount, determining a third strategy of the lended object, and executing the third strategy;
in this step, if the borrowed amount is greater than the available amount, it is detected that the borrowed amount of the lended object is greater than the available amount by adjusting the amount, for example, the original amount of the lended object is 100 ten thousand, after the value of the collateral change, the available amount is adjusted to 70 ten thousand, but the lended object has been withdrawn 90 ten thousand before, and there is no problem in the original amount but obviously exceeds the adjusted available amount, therefore, a third policy of the lended object is determined and executed, wherein the third policy may be to freeze the amount, only pay, compress the borrowed amount of the lended object to the available amount step by step, that is, the lended object is not allowed to continue to withdraw any more, only receive a repayment of the lended object until the lended amount is compressed to the available amount, as in the above example, when the lended amount of the lended object is determined to be greater than 90 thousand than the available amount 70 ten thousand, and (3) freezing the line of the credited object, receiving payment of the credited object, and allowing the credited object to withdraw continuously when the payment is within 70, such as 30 thousands of payment, 60 thousands of lent line at the moment, and 70 thousands of available line at the moment.
And if the borrowed amount is not greater than the available amount, determining a fourth strategy of the lended object, and executing the fourth strategy.
And if the borrowed amount is determined not to be larger than the available amount, determining a fourth strategy of the lended object and executing, wherein the fourth strategy can be that the withdrawal cannot be carried out, and determining whether a repayment operation is detected within the specified time, namely that the lended object is not allowed to carry out the withdrawal any more.
The credit line control strategy of the embodiment comprises a second credit line control strategy, and when the risk label of the credited object is determined to be abnormal, namely, the credited object has a risk after the credit, the second credit line control strategy is determined according to the available credit line and the debited amount of money and executed, so that various risk conditions after the credit are flexibly coped with, and the intelligence of risk management and control after the credit is improved.
Furthermore, based on the first and second embodiments of the method for controlling the quota of the present invention, a third embodiment of the method for controlling the quota of the present invention is provided.
The third embodiment of the method for controlling the amount of money is different from the first and second embodiments of the method for controlling the amount of money, in that the method for controlling the amount of money further comprises:
step e, acquiring loan information of the object after the loan, and determining whether the object after the loan meets a policy removing condition based on the loan information;
in this embodiment, after executing the amount control policy, it is further required to obtain loan information of the credited object, where the loan information includes a withdrawn amount and a repayment amount of the credited object, and determine whether the credited object satisfies the policy removing condition according to the loan information, and if the credited object originally satisfies the policy removing condition, determine whether the current credited object satisfies the policy removing condition, and no longer perform the freezing process on the current credited object.
And f, if the limit control strategy is met, removing the limit control strategy.
In this embodiment, if the determination is satisfied, the credit control policy is released. If the line control strategy is to freeze the line, only pay, gradually compress the borrowed line of the lended object to an available line, namely, the lended object is not allowed to withdraw any more, only receive the repayment of the lended object until the borrowed line is compressed to the available line, as in the above example, when the borrowed line of the lended object is determined to be 90 ten thousand greater than the available line by 70 ten thousand, the line of the lended object is frozen, only the repayment of the lended object is received, and when the repayment is within 70, if the repayment is 30 ten thousand, the borrowed line is 60 ten thousand, and when the available line is within 70 ten thousand, the line control strategy is released, and the lended object is allowed to withdraw any more.
Further, if the current value limit control strategy is not satisfied, the current value limit control strategy can be automatically released according to the value limit control strategy determined in the next estimation until the next estimation is carried out.
According to the method and the device, when the condition that the post-loan object meets the strategy removing condition is determined, the limitation of the post-loan object is removed in time, so that the rights and interests of the post-loan object are guaranteed, various post-loan risk conditions are flexibly coped with, and the intelligence of post-loan risk management and control is improved.
The invention also provides a limit control device. The limit control device of the invention comprises:
the acquiring module is used for acquiring the parameter information after the object is credited and determining the risk label of the object after the object is credited based on the parameter information after the object is credited;
the determining module is used for determining the valuation information of the mortgage of the credited object;
and the execution module is used for determining the quota control strategy of the credited object based on the risk label and the valuation information and executing the quota control strategy.
Preferably, the obtaining module is further configured to:
acquiring post-loan parameter information of a post-loan object, wherein the post-loan parameter information at least comprises overdue information;
and inputting the parameter information after the loan into a pre-constructed risk handling model to obtain a risk label of the object after the loan.
Preferably, the execution module is further configured to:
if the risk label is normal, calculating the mortgage rate of the mortgage object based on the evaluation value information;
and determining a first value unit control strategy of the credited object based on the evaluation information and the mortgage rate, and executing the first value unit control strategy.
Preferably, the execution module is further configured to:
determining whether the value of the collateral drops based on the valuation information;
if the mortgage rate exceeds a preset threshold value, determining a first strategy of the credited object, and executing the first strategy;
and if the mortgage rate does not exceed a preset threshold value, determining a second strategy of the credited object, and executing the second strategy.
Preferably, the execution module is further configured to:
if the risk label is abnormal, determining the available amount of the credited object based on the evaluation information, and acquiring the borrowed amount of the credited object;
and determining a second limit control strategy of the credited object based on the available limit and the debited amount, and executing the second limit control strategy.
Preferably, the execution module is further configured to:
if the borrowed amount is larger than the available amount, determining a third strategy of the lended object, and executing the third strategy;
and if the borrowed amount is not greater than the available amount, determining a fourth strategy of the lended object, and executing the fourth strategy.
Preferably, the credit control device further comprises a releasing module, and the releasing module is used for:
acquiring loan information of the object after the loan, and determining whether the object after the loan meets a policy removing condition based on the loan information;
and if so, removing the limit control strategy.
The invention also provides a computer readable storage medium.
The computer readable storage medium of the present invention stores a credit control program, and the credit control program realizes the steps of the credit control method when executed by a processor.
The method implemented when the credit control program running on the processor is executed may refer to each embodiment of the credit control method of the present invention, and will not be described herein again.
It should be noted that, in this document, the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or system that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or system. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other like elements in a process, method, article, or system that comprises the element.
The above-mentioned serial numbers of the embodiments of the present invention are merely for description and do not represent the merits of the embodiments.
Through the above description of the embodiments, those skilled in the art will clearly understand that the method of the above embodiments can be implemented by software plus a necessary general hardware platform, and certainly can also be implemented by hardware, but in many cases, the former is a better implementation manner. Based on such understanding, the technical solution of the present invention may be embodied in the form of a software product, which is stored in a storage medium (e.g., ROM/RAM, magnetic disk, optical disk) as described above and includes instructions for enabling a terminal device (e.g., a mobile phone, a computer, a server, an air conditioner, or a network device) to execute the method according to the embodiments of the present invention.
The above description is only a preferred embodiment of the present invention, and not intended to limit the scope of the present invention, and all modifications of equivalent structures and equivalent processes, which are made by using the contents of the present specification and the accompanying drawings, or directly or indirectly applied to other related technical fields, are included in the scope of the present invention.
Claims (10)
1. A method for controlling a credit, the method comprising:
acquiring postloan parameter information of a postloan object, and determining a risk label of the postloan object based on the postloan parameter information;
determining valuation information of the mortgage of the credited object;
and determining the credit line control strategy of the credited object based on the risk label and the valuation information, and executing the credit line control strategy.
2. The method of claim 1, wherein the step of obtaining the parameter information of the post-loan object and determining the risk label of the post-loan object based on the parameter information comprises:
acquiring post-loan parameter information of a post-loan object, wherein the post-loan parameter information at least comprises overdue information;
and inputting the parameter information after the loan into a pre-constructed risk handling model to obtain a risk label of the object after the loan.
3. The method of claim 1, wherein the credit control policy comprises a first credit control policy, wherein determining the credit control policy for the credited object based on the risk label and the valuation information, and wherein implementing the credit control policy comprises:
if the risk label is normal, calculating the mortgage rate of the mortgage object based on the evaluation value information;
and determining a first value unit control strategy of the credited object based on the evaluation information and the mortgage rate, and executing the first value unit control strategy.
4. The value unit control method of claim 3, wherein the first value unit control policy comprises a first policy and a second policy, wherein determining the first value unit control policy for the credited object based on the valuation information and the mortgage rate, and wherein executing the first value unit control policy comprises:
determining whether the value of the collateral drops based on the valuation information;
if the mortgage rate exceeds a preset threshold value, determining a first strategy of the credited object, and executing the first strategy;
and if the mortgage rate does not exceed a preset threshold value, determining a second strategy of the credited object, and executing the second strategy.
5. The value unit control method of claim 1, wherein the value unit control policy comprises a second value unit control policy, wherein determining the value unit control policy for the credited object based on the risk label and the valuation information, and wherein implementing the value unit control policy comprises:
if the risk label is abnormal, determining the available amount of the credited object based on the evaluation information, and acquiring the borrowed amount of the credited object;
and determining a second limit control strategy of the credited object based on the available limit and the debited amount, and executing the second limit control strategy.
6. The value unit control method of claim 5, wherein the second value unit control policy comprises a third policy and a fourth policy, and wherein determining the second value unit control policy for the credited object based on the available value unit and the debited amount and performing the second value unit control policy comprises:
if the borrowed amount is larger than the available amount, determining a third strategy of the lended object, and executing the third strategy;
and if the borrowed amount is not greater than the available amount, determining a fourth strategy of the lended object, and executing the fourth strategy.
7. The value unit control method of any one of claims 1-6, wherein after the step of determining the value unit control policy for the credited subject based on the risk label and the valuation information and implementing the value unit control policy, the value unit control method further comprises:
acquiring loan information of the object after the loan, and determining whether the object after the loan meets a policy removing condition based on the loan information;
and if so, removing the limit control strategy.
8. An credit control device, comprising:
the acquiring module is used for acquiring the parameter information after the object is credited and determining the risk label of the object after the object is credited based on the parameter information after the object is credited;
the determining module is used for determining the valuation information of the mortgage of the credited object;
and the execution module is used for determining the quota control strategy of the credited object based on the risk label and the valuation information and executing the quota control strategy.
9. An amount control device, comprising: a memory, a processor and a credit control program stored on the memory and operable on the processor, the credit control program when executed by the processor implementing the steps of the credit control method of any of claims 1-7.
10. A computer-readable storage medium, wherein the computer-readable storage medium has stored thereon an credit control program, which when executed by a processor, implements the steps of the credit control method of any one of claims 1 to 7.
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| CN202010252874.1A CN111461871A (en) | 2020-04-01 | 2020-04-01 | Quota control method, device, equipment and computer readable storage medium |
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Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN112348670A (en) * | 2020-11-09 | 2021-02-09 | 上海欧冶金融信息服务股份有限公司 | System and method for interchanging and sharing of mortgage and credit for financial products |
| CN113435995A (en) * | 2021-06-02 | 2021-09-24 | 普洛斯科技(重庆)有限公司 | Post-loan risk monitoring method and device |
-
2020
- 2020-04-01 CN CN202010252874.1A patent/CN111461871A/en active Pending
Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN112348670A (en) * | 2020-11-09 | 2021-02-09 | 上海欧冶金融信息服务股份有限公司 | System and method for interchanging and sharing of mortgage and credit for financial products |
| CN113435995A (en) * | 2021-06-02 | 2021-09-24 | 普洛斯科技(重庆)有限公司 | Post-loan risk monitoring method and device |
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Application publication date: 20200728 |