CN111798320A - Method and system for replacing local government debts - Google Patents
Method and system for replacing local government debts Download PDFInfo
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Abstract
The invention discloses a method and a system for replacing local government debts, which comprises the following steps: acquiring a user data request of a client; acquiring an identity identification, a digital signature and a data carrier object corresponding to the user data request; analyzing the data carrier object to obtain a plurality of replacement mode data with certain similarity to the data carrier object; sending the data of the plurality of replacement modes to a client for confirmation; by comprehensively considering various factors such as the repayment capacity of debtors and the specific requirements of creditors, and the like, the big data technology is applied to carry out optimization and recommend the optimal debt replacement optimization mode, so that the repayment plan is more specific, more reasonable and more feasible, the local government stock debts are effectively solved, the credit accreditation accounts receivable for credit of the credit holders of private enterprises and small and medium-sized micro enterprises are facilitated, and the financing channel is widened.
Description
Technical Field
The invention relates to the technical field of debt risk management and financial services, in particular to a method and a system for replacing local government debt.
Background
How to comprehensively consider the conditions of local governments, financing platforms and the like as final payers, such as income acceleration, controllable financial resources, expenditure structures and the like, and the specific requirements of creditors, balance various factors, reasonably arrange the repayment amount, the repayment age limit and the circulation mode, make the repayment plan more specific, reasonable and feasible, and have important significance for digesting local government debts and helping earning accounts receivable and accounts payable for the inventory settlement of private enterprises and small and medium-sized micro enterprises.
Disclosure of Invention
Based on the technical problems existing in the background technology, the invention provides an underground government debt replacement method and system, by comprehensively considering a plurality of factors such as the debt paying capacity of a debtor and the specific requirements of a creditor, and the like, the invention applies a big data technology to optimize and recommend the optimal debt replacement optimization mode, so that the debt paying plan is more specific, more reasonable and more feasible, the local government stock debt is effectively solved, the credit on account payment for the disk activity of the civilian enterprises and the small and medium-sized enterprises serving as the debtors is helped, and the financing channel is widened.
The invention provides a method for replacing local government debts, which comprises the following steps:
acquiring a user data request of a client;
acquiring an identity identification, a digital signature and a data carrier object corresponding to the user data request;
analyzing the data carrier object to obtain a plurality of replacement mode data with certain similarity to the data carrier object;
and sending the plurality of replacement mode data to a client.
Further, the obtaining of the multiple replacement mode data having a certain similarity with the data carrier object includes:
inputting original data of a plurality of replacement modes into a server in advance;
calculating an incidence matrix of a user data request and a plurality of replacement modes according to the historical records;
calculating the vector distance between every two user data requests through cosine similarity to obtain the similarity between user vectors;
and sequentially obtaining a plurality of replacement mode data with certain similarity with the data carrier object through the descending order arrangement of the similarity between the user vectors.
Further, the cosine similarity is calculated by the following formula:
wherein A isiDenotes the vector component of vector A, BiRepresenting the components of vector B.
Further, the data carrier objects originate from the same data carrier interface class.
The system for replacing the government debts of the places comprises a client, a server and an establishing module, wherein the client is connected with the server through the establishing module, and the server comprises a control layer module, a logic layer module, an analyzing module and a response module;
the control layer module is used for acquiring a user data request of a client and uploading the user data request to the logic layer module;
the logic layer module is used for acquiring the identity identification, the digital signature and the data carrier object corresponding to the user data request and uploading the data carrier object to the analysis module;
the analysis module is used for acquiring and analyzing the data carrier object uploaded by the logic layer module to obtain various replacement mode data with certain similarity with the data carrier object, and entering the response module;
the response module is used for acquiring the data of the plurality of replacement modes and sending the data of the plurality of replacement modes to the client so as to realize debt replacement
Furthermore, the analysis module comprises a preset unit, an incidence matrix calculation unit, a vector distance calculation unit and a similarity screening unit;
the preset unit is used for inputting original data of various replacement modes into the server in advance;
the incidence matrix calculation unit is used for calculating an incidence matrix of a user data request and a plurality of replacement modes according to the historical records;
the vector distance calculation unit is used for calculating the vector distance between every two user data requests through cosine similarity to obtain the similarity between user vectors;
the similarity screening unit is used for sequentially obtaining a plurality of replacement mode data with certain similarity with the data carrier object through descending order arrangement of the similarity between the user vectors.
Further, the data carrier objects originate from the same data carrier interface class:
further, a session Bean and a simple traditional JAVA object class are arranged in the analysis module.
The method and the system for replacing the local government debt have the advantages that: according to the method and the system for replacing the local government debt, provided by the invention, the optimal debt replacement mode is recommended to the user, the conditions of local government, financing platform and the like as final payers, such as income acceleration, available financial resources, expenditure structure and the like, and the specific requirements of the creditor are comprehensively considered, various relevant factors are balanced, and the debt payment amount, the debt payment age and the circulation mode are reasonably arranged, so that the optimized debt payment plan is more specific, reasonable and feasible.
Drawings
Fig. 1 is a schematic flow diagram of a method of local government liability replacement in accordance with the present invention;
FIG. 2 is a flow chart of the steps of a local government liability replacement system of the present invention;
the system comprises a client, a server, a control layer module, a logic layer module, a 23-analysis module and a 24-response module, wherein the client is 1-client, the server is 2-server, the control layer module is 21-control layer module, the logic layer module is 22-logic layer module, the analysis module is 23-analysis module and the response module is 24-.
Detailed Description
The technical solution of the present invention will be described in detail below with reference to specific examples.
Before the debt replacement, local government debts are identified, the corresponding debt and debt relation is identified by the corresponding debt and debt, and then the identified debt and debt are correspondingly replaced and optimized. Wherein:
(1) the receivable accounts and the debt right management service institution refers to various mediation organizations established by receivable accounts and the debt right management company established by independent resources of local governments or national enterprises or national courts, arbitration committees and laws, and has the main functions of converting receivable accounts of core leading enterprises of industry chains such as governments, national enterprises and the like, which are owned by various economic bodies, into paper or electronic receivable accounts and the debt right certificates (contracts) by means of a receivable accounts and the debt right transfer system established by the project of 'research and development and application demonstration of a new generation electronic payment service system based on the debt right transfer' of national science and technology support plans, and creditors recorded by the certificates (contracts) can be financed in financial institutions such as banks and the like or transferred in modes such as transfer, goods fusion, payment, transaction, pledge and pledge;
(2) the creditor certificate (contract) and the certificate (contract) are short for the creditor certificate (contract) of the receivable account;
(3) the non-fund company is a short for non-financial asset management company, and mainly refers to a limited liability company and a limited share company which are independently established by local government or national enterprise and provide supporting services for the business of transferring accounts receivable and creditor certificates (contracts);
(4) the financing platform refers to a financing platform company which is specially set by local governments at all levels, such as a city investment company, a city construction company and the like.
Referring to fig. 1, the method for replacing the government debt of the local government provided by the invention comprises the following steps:
s1: acquiring a user data request of a client 1;
the client 1 sends a data request to the server 2 through a TCP/IP or HTTPS protocol to request the server 2 to perform replacement optimization processing on the creditor and debt. It is understood that the client 1 sends a user data request to the router, and the router forwards the obtained user data request to the server 2.
The creditor and the debtor submit the creditor and debt information to the server 2 through the client 1.
S2: acquiring an identity identification, a digital signature and a data carrier object corresponding to the user data request;
s3: analyzing the data carrier object to obtain a plurality of replacement mode data with certain similarity to the data carrier object;
the server 2 comprehensively analyzes the creditor and debt information submitted by the client 1, wherein the creditor and debt information comprises information such as creditor basic information, creditor amount, creditor basis (contract), creditor period, creditor credit status, creditor circulation and financing demand condition, creditor credit status, creditor debt paying capacity and the like. Namely, according to the historical data of the creditor and debt information and the related data of the previous year, evaluation is carried out, and a replacement scheme is generated through a creditor replacement recommendation algorithm.
S4: and sending the plurality of replacement mode data to the client 1.
In the client 1, the creditor and the debtor confirm the multiple replacement mode data issued by the server, the multiple replacement mode data correspond to multiple replacement schemes, and after the agreement is confirmed, the two parties sign a replacement agreement according to the replacement schemes provided by the system to complete the creditor replacement.
Further, the obtaining of the multiple replacement mode data having a certain similarity with the data carrier object includes:
inputting original data of a plurality of replacement modes into the server 2 in advance;
calculating an incidence matrix of a user data request and a plurality of replacement modes according to the historical records;
calculating the vector distance between every two user data requests through cosine similarity to obtain the similarity between user vectors;
and sequentially obtaining a plurality of replacement mode data with certain similarity with the data carrier object through the descending order arrangement of the similarity between the user vectors.
Further, the data carrier objects originate from the same data carrier interface class.
As an embodiment, the calculation steps of the claim replacement recommendation algorithm are as follows:
(a) first, we calculate a correlation matrix of users and items according to the history, as shown in table 1 below:
TABLE 1
In the figure, row x (user) is different users, column y (item) is all debt replacement modes, and the value of x, y is the satisfaction degree of x users to y mode.
(b) Regarding each line as a vector preferred by the users to the permutation mode, then calculating the vector distance between every two users, and calculating the vector distance between every two users by the following formula of cosine similarity:
wherein A isiDenotes the vector component of vector A, BiAnd a component vector representing the vector B, wherein the component vector refers to information in a certain dimension and a superposition amount of the information in the dimension.
(c) The similarity between the user vectors is derived as follows, where a closer value to 1 indicates that the two users are more similar, as shown in graph 2:
TABLE 2
| item1 | item2 | item3 | item4 | |
| user1 | 1.00 | 0.27 | 0.79 | 0.32 |
| user2 | 0.27 | 1.00 | 0.00 | 0.00 |
| user3 | 0.79 | 0.00 | 1.00 | 0.69 |
| user4 | 0.32 | 0.00 | 0.69 | 1.00 |
| user5 | 0.98 | 0.34 | 0.71 | 0.32 |
Finally, we recommend one or more replacement methods for user 1(user1), find out the replacement method used by the N users with the highest similarity to user1 (let N be 2), and remove the replacement method used by user1, which is the recommendation result. In table 2, the substitution pattern 3 or 4 is recommended for the user1, and the substitution pattern 4 may be selected if the substitution pattern 3 has been used by the user, whereas the substitution pattern 3 may be selected if the substitution pattern 4 has been used by the user.
Preferably, a product combination can be recommended according to the related attributes of the creditor property and circulation requirement, the debt paying capability and debt structure (term) of the debtor and the selection of similar clients, for example, in table 2, when the user1 recommends the replacement mode 3 or 4, the user1 can be recommended by combining the replacement modes 3 and 4.
As an embodiment, through the above debt replacement optimization, for example, for the right of the engineering money due to the local government and the financing platform owned by the small and medium-sized micro-enterprises, the specific repayment amount, repayment age and credit increase mode are obtained as follows:
(1) wherein, 25% of the total amount of the debt right is promised to be paid in 1-3 years, and the debtor promises to pay by date;
(2) wherein 50% of the total amount of the debt right is promised to be paid in 3-5 years, and the debtor promises to pay by date;
(3) the 25% of the total amount of the remaining debt is 5-10 years of confirmed right payment, the debtor confirms right and bears certain deferred payment interest, and the specific interest rate can refer to the interest rate of the bank contemporaneous loan, such as appropriately floating up by 10%.
If the financial debts such as local governments, financing platforms and the like of coming bank loans and the like are optimized, the debts can be compensated by a third party (such as a non-gold company) compensation mode, and the replacement optimization is carried out on the debts formed after compensation.
The system for replacing the government debts of the local government comprises a client 1, a server 2 and an establishing module, wherein the client 1 is connected with the server 2 through the establishing module, and the server 2 comprises a control layer module 21, a logic layer module 22, an analyzing module 23 and a response module 24;
the control layer module 21 is configured to obtain a user data request of the client 1, and upload the user data request to the logic layer module 22;
the logic layer module 22 is configured to obtain an identification, a digital signature, and a data carrier object corresponding to the user data request, and upload the data carrier object to the analysis module 23;
the analysis module 23 is configured to obtain and analyze the data carrier object uploaded by the logic layer module 22, obtain multiple replacement mode data having a certain similarity with the data carrier object, and enter the response module 24;
and the response module 24 is configured to obtain the multiple replacement mode data, and send the multiple replacement mode data to the client 1, so as to implement debt replacement.
The server 2 obtains the user data request uploaded by the client 1 through the replacement system, analyzes the user data request to obtain various replacement mode data, sends the various replacement mode data to the client, and the client performs corresponding operation through the instructions of the various replacement mode data.
As shown in fig. 2, the reply module 24 is a response to a user data request sent by the client 1. Functionally, the control layer module 21, the logic layer module 22, the analysis module 23 and the response module 24 are independent in function, and the coupling degree between the modules is low, so that the expansibility of the system is strong.
Further, the analysis module 23 includes a preset unit, an association matrix calculation unit, a vector distance calculation unit, and a similarity screening unit;
the preset unit is used for inputting original data of various replacement modes into the server 2 in advance;
the incidence matrix calculation unit is used for calculating an incidence matrix of a user data request and a plurality of replacement modes according to the historical records;
the vector distance calculation unit is used for calculating the vector distance between every two user data requests through cosine similarity to obtain the similarity between user vectors;
the similarity screening unit is used for sequentially obtaining a plurality of replacement mode data with certain similarity with the data carrier object through descending order arrangement of the similarity between the user vectors.
Further, the data carrier objects originate from the same data carrier interface class: the safety and the integrity of an information source are guaranteed by acquiring the user identity and the corresponding digital signature information in the user request data; through the encryption and digital signature of the transmitted data at the client and the signature verification confirmation of the server, the data carrier object sources processed by the final logic layer module 22 and the analysis module 23 are both real and effective; in this embodiment, the user data request is creditor and debtor relationship data, so as to ensure the authenticity, integrity and validity of information sources, avoid false, incomplete and repeated data, and improve the accuracy and efficiency of replacing and optimizing the creditor and debtor.
Further, the parsing module 23 is provided with a session Bean and simple conventional JAVA object classes
Before carrying out corresponding debt replacement, firstly inputting information of a debtor and a debtor user on a user database of a client 1, and then inputting various attributes of Item in an Item database of a server 2, wherein the debtor user comprises an enterprise type, an establishment time, real payment capital, an enterprise scale, a place industry, an asset liability rate, a financial condition, transfer and financing requirements and the like, and the debtor user comprises a local financial income condition, income acceleration prediction, disposable financial capacity, an expenditure structure, a debt change requirement and the like. The Item comprises third-party compensation, debt replacement modes and the like, and the debt replacement modes comprise three types: a pay-committed type, a buy-back committed type, and a pay-for-right type.
The client 1 sends the user data (user data request) input on the user database to the server 2, the analysis module 23 of the server 2 matches the matching user and Item in the Item database according to the uploaded user data request, the similarity of the user data uploaded by the client 1 can be analyzed according to the matching user and Item, the server 2 selects N users (replacement mode data) most similar to the user data, and the N users are sent to the client 1 for selection by the user. When the debt right is replaced, the debt is processed correspondingly through the agreed promised payment type, promised repurchase type or right-confirming payment type.
If the user data (user data request) uploaded by the client 1 has been processed by the server 2 in the similar case, the corresponding N users (replacement mode data) most similar to the user data can be obtained directly through the self logic operation of the logic layer module 22, and are sent to the client 1 for the user to select.
As an embodiment, the server 2 is an accounts receivable and debt management service mechanism, and the client 1 includes economic entities such as local government, financing platform (e.g. city investment company), non-financial asset management company, banking financial institution, financing guarantee company, private minor enterprise and small and medium-sized micro-enterprise, and the above replacement optimization is performed in the accounts receivable and debt certificate (contract) circulation business to realize debt credit and debt settlement.
The invention can be used for resolving stock financial debts (such as bank loans), engineering money, PPP projects and other stock debts of local governments and financing platforms, and can adopt the following modes according to actual requirements:
(1) the mode of directly opening accounts receivable creditor certificates (contracts) for circulation is as follows: the payable project money is opened into a creditor certificate (contract) of accounts receivable within the period of 1-5 years, the creditor commits to pay due, or the creditor commits to confirm the right and commit to pay according to the agreement (payment confirmation), or the initial creditor commits to buy back due, and the creditor recorded in the certificate (contract) can finance in financial institutions such as banks or conduct circulation in modes of transfer, goods melting, payment, transaction, pledge and the like.
(2) The third party compensation mode: the local government and the financing platform can firstly transfer the financial debts such as due loans and the like to a city investment company (such as a national enterprise A) for bearing, the financial debts due to the city investment company (such as the national enterprise A) (including self direct loan and accepted government department loan), and the third party national enterprise B carries out compensation, so that the formed receivable accounts can apply for opening receivable account debt right certificates (contracts) as disposable assets, can be used for pledge loans, and can also be used for withholding various engineering money of small and medium-sized and civil enterprises, thereby not only resolving and reducing government/national enterprise inventory debts, but also not adding new debts, not generating hidden debts, and providing a good party for really solving the problem of owing account of the government and large and private enterprises in the state required by the national institute.
(3) Transfer of change to non-gold companies: the local government is matched with and constructs national enterprise non-fund companies to provide discounted price transfer and acceptance service for the creditors recorded by receivable account creditor certificates (contracts), so that transfer and payment and financing are better promoted. When the borrower (client) applying for the quality mortgage loan to the bank by taking the debt recorded by the receivable debt certificate (contract) as guarantee cannot return the loan according to time (such as loan of 6-7 folds), the loan bank can legally punish the debt (guarantee) recorded by the debt certificate (contract), and quickly recover the loan interest to the non-fund company transfer change (such as 8 folds), thereby effectively reducing the credit risk of private and medium-sized and small-sized micro enterprises and promoting the bank to explore the enthusiasm of receiving the receivable debt and paying and repaying funds of the debt recorded by the certificate (contract). Market reduction of government debts is also achieved through the shift to non-gold companies.
Specifically, for the problems that project money of construction units is settled and debt is waited by a limited time for a part of local governments, financing platforms (such as city investment companies) and the like, committed payment type evidence (contract) circulation is directly issued, debtor financial accounts can always reflect that the debtor debt project money is not remained from the issuance until the evidence (contract) is due, the government debt chemical solution requirements are difficult to meet, and the following method for collecting the project money can be adopted for solving.
Examples are: the existing debtors: government, creditor: the construction unit M can be solved in the following two ways:
mode 1: the city delivery company B purchases the engineering credit of M and pays the credit transfer of M in place of the certificate (contract) issued by the related company A after the financial debt such as bank loan is compensated.
Mode 2: the metro company B acquires the engineering claim of M and contracts to cover the claim transfer due to M with a voucher (contract) within 1 month. B transfers the acquired claim to the related company a again, agrees on the payment term (e.g., 2 years) of the claim transfer money, and accordingly makes a certificate (contract) promised to be paid by the national enterprise a (as a debtor), and B pays the certificate (contract) to M to settle the claim transfer money of the M. Similarly, B can purchase the debt of construction units such as N and the like in the same way.
In the above implementation of the mode 1 or 2, the system and the method can request and process the user data request of the creditor and debtor, and when the creditor or the debtor changes, the client in the replacement system and the method also changes correspondingly to adapt to the creditor and debtor resolving requirements among different economic principals.
The benefits of this are: the engineering money of construction units such as local government departments or financing platforms (such as city investment companies) which are not owed by M and the like becomes debt owed to national enterprise A, the debt is continuously transferred and withheld and gradually reduced along with the fact that construction units such as M and the like hold certificates (contracts), meanwhile, the debt right of the government departments or the city investment companies owned by the national enterprise A can also be opened with the certificates (contracts) for circulation and circulation activities, and the solution and the reduction of the debt are effectively realized.
Meanwhile, for banks and financing guarantee companies with bad asset disposition and solution, the financial debts of the local government and the financing platform can be replaced by common debts with medium and long term in cooperation with the local government and the financing platform, and the financial debts are gradually resolved in a marketable mode such as accounts receivable and debt certificate (contract) circulation, and the single profit and the return profit yield of the local government and the financing platform due to debt delay, cost sharing and circulation reduction are shown as follows: the average calculation according to loan interest rate is that the single interest and the multiple interest difference are: for example, 1 million yuan, calculated according to 7%/year, the 5-year profit-single difference is 525 ten million yuan, the 10-year profit difference is 2670 million yuan, and the 20-year profit difference is 1.36 million yuan. The interest difference is converted into the current value, calculated according to the annual interest rate of 7 percent, the single interest Ben of 5 years of 388.89 ten thousand yuan is 525 million yuan, the single interest Ben of 10 years of 1570.6 million yuan is 2670 million yuan, the single interest Ben of 20 years of 5667 million yuan is 1.36 million yuan, and the income part of the interest difference can be used for purchasing bad loans of banks or guarantee compensation rights of financing guarantee companies, thereby helping the banks and the financing guarantee companies to quicken the disposal of bad assets. The financing guarantee company participates in cooperation, stamps on the certificate (contract) to promise to provide financing guarantee for the client meeting the loan condition of the cooperative bank, and can also further open the certificate (contract) to record the transfer and financing of the creditor across areas and across banks, thereby better promoting the transfer and payment (cancellation) of the creditor of the receivable payment in a wider range.
The above description is only for the preferred embodiment of the present invention, but the scope of the present invention is not limited thereto, and any person skilled in the art should be considered to be within the technical scope of the present invention, and equivalent substitutions or changes according to the technical solution and the inventive concept of the present invention should be covered by the scope of the present invention.
Claims (8)
1. A method of local government liability replacement comprising the steps of:
acquiring a user data request of a client (1);
acquiring an identity identification, a digital signature and a data carrier object corresponding to the user data request;
analyzing the data carrier object to obtain a plurality of replacement mode data with certain similarity to the data carrier object;
and sending the plurality of replacement mode data to the client (1).
2. The method of local government liability replacement according to claim 1, wherein said obtaining a plurality of replacement mode data having a certain similarity with the data carrier object comprises:
inputting original data of a plurality of replacement modes into a server (2) in advance;
calculating an incidence matrix of a user data request and a plurality of replacement modes according to the historical records;
calculating the vector distance between every two user data requests through cosine similarity to obtain the similarity between user vectors;
and sequentially obtaining a plurality of replacement mode data with certain similarity with the data carrier object through the descending order arrangement of the similarity between the user vectors.
3. The method of local government liability replacement according to claim 2, wherein said cosine similarity is calculated by the following formula:
wherein A isiDenotes the vector component of vector A, BiRepresenting the components of vector B.
4. The method of local government liability replacement according to claim 1, wherein said data carrier objects originate from the same data carrier interface class.
5. The system for replacing the local government debts is characterized by comprising a client (1), a server (2) and an establishing module, wherein the client (1) is connected with the server (2) through the establishing module, and the server (2) comprises a control layer module (21), a logic layer module (22), an analyzing module (23) and a response module (24);
the control layer module (21) is used for acquiring a user data request of the client (1) and uploading the user data request to the logic layer module (22);
the logic layer module (22) is used for acquiring the identification, the digital signature and the data carrier object corresponding to the user data request, and uploading the data carrier object to the analysis module (23);
the analysis module (23) is used for acquiring and analyzing the data carrier object uploaded by the logic layer module (22), acquiring multiple replacement mode data with certain similarity with the data carrier object, and entering the response module (24);
and the response module (24) is used for acquiring the data of the plurality of replacement modes and sending the data of the plurality of replacement modes to the client (1) so as to realize debt replacement.
6. The local government debt replacement system according to claim 1, wherein the parsing module (23) comprises a presetting unit, an incidence matrix calculating unit, a vector distance calculating unit and a similarity screening unit;
the preset unit is used for inputting original data of various replacement modes into the server (2) in advance;
the incidence matrix calculation unit is used for calculating an incidence matrix of a user data request and a plurality of replacement modes according to the historical records;
the vector distance calculation unit is used for calculating the vector distance between every two user data requests through cosine similarity to obtain the similarity between user vectors;
the similarity screening unit is used for sequentially obtaining a plurality of replacement mode data with certain similarity with the data carrier object through descending order arrangement of the similarity between the user vectors.
7. The local government liability replacement system according to claim 6, wherein said data carrier objects originate from the same data carrier interface class.
8. The local government liability replacement system according to claim 5, wherein said parsing module (23) is provided with a session Bean and simple legacy JAVA object classes.
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