CN112200657A - Method and device for granting credit for rental business, computer equipment and medium - Google Patents
Method and device for granting credit for rental business, computer equipment and medium Download PDFInfo
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Abstract
The embodiment of the invention discloses a method, a device, computer equipment and a medium for granting credit for rental business. The method comprises the following steps: determining a target credit-granting cooperative party from at least one to-be-granted cooperative party, wherein the remaining credit-granting amount of the target credit-granting cooperative party is larger than the application credit-granting amount; the method comprises the steps of obtaining attribute information of each leasing object under the name of a target credit partner, determining credit line of the target credit partner according to the attribute information of each leasing object, and pushing the credit line to a management system so as to update the credit line of leasing business of the target credit partner. According to the scheme of the embodiment of the invention, the problem that in the prior art, the credit granting of the rental business is realized by manually inputting the related information such as the price value of the rental goods and manually approving the rental business is solved, the automatic credit granting and approving of the rental business can be realized, the efficiency of the credit granting and approving of the rental business is improved, and a large amount of human resources are saved.
Description
Technical Field
The embodiment of the invention relates to the technical field of computers, in particular to a method and a device for granting credit for rental business, computer equipment and a medium.
Background
With the rapid development of the lease service, how to perfect the related credit granting process is widely researched; the credit granting is the action of the bank for guaranteeing the credit of the customer in the related economic activities to a third party, and only a partner (leasing company) obtaining the credit granting of the bank can carry out subsequent leasing business.
At present, the credit granting process of the rental business is mainly realized by manually inputting relevant information (such as rental value, depreciation rate, insurance maintenance information and the like) of the rental, the credit granting and approval efficiency is low, and the credit granting and approval process is realized in a manual approval mode, so that the credit granting and approval efficiency is low, and a large amount of human resources are wasted.
Disclosure of Invention
The embodiment of the invention provides a method and a device for granting credit for a rental business, computer equipment and a medium, so as to realize automatic credit granting and approval for the rental business, improve the efficiency of the credit granting and approval for the rental business and save a large amount of human resources.
In a first aspect, an embodiment of the present invention provides a method for granting credit for a rental service, including:
acquiring a credit granting application of at least one to-be-granted partner;
determining a target credit-granting cooperative party from at least one to-be-granted cooperative party, wherein the remaining credit-granting amount of the target credit-granting cooperative party is greater than the application credit-granting amount;
and acquiring attribute information of each leased object under the name of the target credit partner, determining the credit line of the target credit partner according to the attribute information of each leased object, and pushing the credit line to a management system so as to update the credit line of the lease service of the target credit partner.
In a second aspect, an embodiment of the present invention further provides a trust granting apparatus for a rental service, including:
the credit granting application acquisition module is used for acquiring the credit granting application of at least one to-be-granted partner;
the target credit-granting cooperative party determining module is used for determining a target credit-granting cooperative party from at least one to-be-granted cooperative party, wherein the remaining credit-granting amount of the target credit-granting cooperative party is larger than the application credit-granting amount;
and the credit line updating module is used for acquiring the attribute information of each lease item under the name of the target credit partner, determining the credit line of the target credit partner according to the attribute information of each lease item, and pushing the credit line to a credit management system so as to update the credit line of the lease service of the target credit partner.
In a third aspect, an embodiment of the present invention further provides a computer device, including a memory, a processor, and a computer program stored in the memory and executable on the processor, where the processor executes the computer program to implement the method for granting credit to a rental service according to any embodiment of the present invention.
In a fourth aspect, an embodiment of the present invention further provides a storage medium containing computer-executable instructions, where the computer-executable instructions are configured to, when executed by a computer processor, perform a method for granting credit for a rental service according to any embodiment of the present invention.
The embodiment of the invention obtains the credit granting application of at least one to-be-granted partner; determining a target credit-granting cooperative party from at least one to-be-granted cooperative party, wherein the remaining credit-granting amount of the target credit-granting cooperative party is larger than the application credit-granting amount; the method comprises the steps of obtaining attribute information of each leased object under the name of a target credit partner, determining credit line of the target credit partner according to the attribute information of each leased object, pushing the credit line to a credit management system to update the credit line of the lease service of the target credit partner, solving the problem that in the prior art, credit of the lease service is realized by manually inputting related information of the leased object and manually approving, realizing automatic credit approval of the lease service, improving the efficiency of credit approval of the lease service, and saving a large amount of human resources.
Drawings
Fig. 1 is a flowchart of a trust method for a rental service in an embodiment of the present invention;
fig. 2 is a flowchart of a trust granting method for rental services in a second embodiment of the present invention;
fig. 3 is a flowchart of a trust granting method for a rental service in a third embodiment of the present invention;
fig. 4 is a schematic structural diagram of a trust apparatus for rental service in a fourth embodiment of the present invention;
fig. 5 is a schematic structural diagram of a computer device in the fifth embodiment of the present invention.
Detailed Description
The embodiments of the present invention will be described in further detail with reference to the drawings and examples. It is to be understood that the specific embodiments described herein are merely illustrative of and not restrictive on the broad invention. It should be further noted that, for convenience of description, only some structures, not all structures, relating to the embodiments of the present invention are shown in the drawings.
Example one
Fig. 1 is a flowchart of a trust granting method for a rental service in an embodiment of the present invention, where the embodiment is applicable to a case of applying for a trust granting of a partner of the rental service, and the method may be executed by a trust granting device for the rental service, and the device may be implemented in a software and/or hardware manner and integrated in a computer device, and the computer device may be an intelligent device such as a server, a personal computer, a tablet computer, or a smart phone. Specifically, referring to fig. 1, the method specifically includes the following steps:
and step 110, obtaining a credit granting application of at least one to-be-granted partner.
The credit granting management function of the partner mainly comprises credit granting initiation and approval of the financial leasing company to the partner, and subsequent leasing business can be carried out only by the partner obtaining the credit granted by the financial leasing company. At the present stage, the trust of the partner mainly follows the preference of risks below the medium level, and the quality and the efficiency of the approval are improved on the premise of legal compliance and on the basis of balancing risks and benefits as scales on the premise of ensuring the benefit maximization of the company.
In an optional implementation manner of this embodiment, the trust applications of multiple partners, for example, 5, 10, or 20, may be acquired in the trust management system. The credit application of the partner may include a credit application amount of the partner, for example, the credit application amount of the partner a is 100 ten thousand yuan, the credit application amount of the partner B is 500 ten thousand yuan, and the credit application amount of the partner C is 2000 ten thousand yuan, which is not limited in this embodiment.
And step 120, determining a target credit authorization partner from at least one to-be-trusted partner, wherein the remaining credit authorization amount of the target credit authorization partner is larger than the application credit authorization amount.
In an optional implementation manner of this embodiment, after obtaining the trust applications of multiple partners in the trust management system, a target trust partner may be further determined among the multiple partners, where the target trust partner may be one partner or multiple partners, and this embodiment is not limited thereto.
In an optional implementation manner of this embodiment, after the trust applications of multiple partners are acquired in the trust management system, a remaining credit line of each to-be-trusted partner may be further calculated, and when the remaining credit line of the to-be-trusted partner is greater than the application credit line, the to-be-trusted partner may be determined as the target trust partner.
For example, if the remaining credit line of the to-be-trusted partner a is 120 ten thousand yuan and the application credit line of the to-be-trusted partner a is 100 ten thousand yuan, the to-be-trusted partner a may be determined as the target credit-granting partner.
The attribute information of each lease item under the name of the target credit partner may include: the account value, remaining value, depreciation rate or discount rate, mortgage information, insurance information, invoice information, maintenance record, positioning information, or record status of each rental item, which are not limited in this embodiment.
In an optional implementation manner of this embodiment, after the target credit-granting partner is determined, attribute information of each rental item in the name of the target credit-granting partner may be further acquired, for example, after the partner a is determined to be the target credit-granting partner, attribute information of all rental items in the name of the partner may be further acquired, for example, information such as account value, residual value, depreciation rate or discount rate, mortgage information, insurance information, invoice information, maintenance record, positioning information, or record situation of all rental items (for example, vehicles) may be acquired.
Further, determining the credit line of the target credit provider according to the acquired attribute information of each leased item; for example, after the account value, the residual value, the depreciation rate or the discount rate of each leased object under the name of the partner a, the mortgage information, the insurance information, the invoice information, the maintenance record, the positioning information or the record situation and other information are obtained, the actual values of all leased objects under the name of the partner a can be further calculated, and the credit line of the partner a (target credit partner) can be further determined according to the actual values of each leased object. Further, the determined credit line is pushed to a management system, so that the credit line of the lease service of the target credit partner is updated in the management system.
In an optional implementation manner of this embodiment, after determining the actual value of each rental item under the name of the target credit partner according to each attribute information of the target credit partner, the credit amount of the target credit partner may be set to be greater than the actual value of each rental item, for example, greater than a certain amount of money, or a certain proportion. The advantage of this arrangement is that the quality of the trust and approval of the partners can be improved.
In the scheme of the embodiment, a target credit granting cooperative party is determined from at least one to-be-granted cooperative party, and the remaining credit granting amount of the target credit granting cooperative party is greater than the application credit granting amount; the method comprises the steps of obtaining attribute information of each leased object under the name of a target credit partner, determining credit line of the target credit partner according to the attribute information of each leased object, and pushing the credit line to a management system to update the credit line of the lease service of the target credit partner, so that the problem that in the prior art, credit of the lease service is realized by manually inputting related information of the leased object and manually approving the lease object is solved, automatic credit approval of the lease service can be realized, the efficiency of credit approval of the lease service is improved, and meanwhile, a large amount of human resources are saved.
Example two
Fig. 2 is a flowchart of a trust granting method for a rental service in a second embodiment of the present invention, which is a further refinement of the foregoing technical solutions, and the technical solution in this embodiment may be combined with each optional solution in one or more embodiments. As shown in fig. 2, the method for granting trust for the rental service may include the following steps:
and step 210, obtaining the credit applying amount of each to-be-granted partner.
The credit line application comprises a lease service credit line, a legal credit line or a natural person credit line.
In an optional implementation manner of this embodiment, the obtaining of the credit application of at least one to-be-trusted partner may include obtaining a credit application amount of each to-be-trusted partner, for example, a lease service credit amount, a legal credit amount, a natural person credit amount of the to-be-trusted partner may be applied, or a lease service credit amount, a legal credit amount, and a natural person credit amount of the to-be-trusted partner may be simultaneously applied, where the legal credit amount or the natural person credit amount needs to be in the lease service credit amount.
It should be noted that the legal credit line and the natural person credit line related in this embodiment both belong to the credit-aid service credit line, and this embodiment can manage the rental service credit line (i.e., the asset package credit line) of the partner, and at the same time, can acquire the legal credit line and the natural person credit line, thereby largely avoiding the situation that the partner has a credit risk.
In an optional implementation manner of this embodiment, after the application credit line of each credit-granting partner is obtained, a remaining credit line of each to-be-trusted partner may be further determined, and a partner whose remaining credit line is greater than the application credit line may be determined as the target credit-granting partner.
In the specific implementation, the credit granting service of the partner strictly follows the management requirement of 'comprehensive credit granting before approval with credit', and credit limit approval is intensively developed once a year. When the credit limit is granted by the partner, the individual credit of each service is examined and approved and the operation is strictly carried out according to the flow, so that the fund security of the company is ensured. The credit line granting mode comprises non-recycling use and recycling use, and credit-assisting service or asset package service under the partner can occupy the credit line granted by the partner. When new credit is given to the client with the credit in the second year, the remaining amount is equal to the new credit amount minus the occupied amount.
And step 230, acquiring the attribute information of each leased object under the name of the target credit partner, and determining the credit line of the target credit partner according to the attribute information of each leased object.
In an optional implementation manner of this embodiment, after the target credit-granting partner is determined, attribute information of each lease item under the name of the target credit-granting partner may be further obtained, and a credit line of the target credit-granting partner is determined according to each attribute information of each lease item; wherein, determining the credit line of the target credit partner according to each attribute information of each lease item may include: determining the actual value of each rental item according to each attribute information; and calculating the accumulated value of each actual value, and determining the credit line of the target credit partner according to the accumulated value result.
Specifically, after the attribute information of each leased item under the name of the target partner is obtained, the actual value of each leased item can be calculated according to the attribute information, and the actual values of each leased item are accumulated, so that the actual values of all the leased items under the name of the target credit partner are determined, and further, the credit line of the target partner can be determined.
In an optional implementation manner of this embodiment, determining the actual value of each rental item according to each attribute information may include: and respectively setting the weight of each attribute parameter, and determining the actual value of the rental goods according to each weighted attribute parameter.
For example, account value, residual value, depreciation rate or discount rate, depreciation deposit information, insurance information, invoice information, maintenance record, positioning information or record case and other information of each rented object may be weighted differently, for example, the account value is weighted to 1, the residual value is weighted to 1, the depreciation rate or discount rate is weighted to 0.8, the depreciation rate or discount rate is weighted to 0.9, the insurance information is weighted to 1.1, the invoice information is weighted to 1, the maintenance record is weighted to 1.3, the positioning information is weighted to 1 or the record case is weighted to 1, and the like, which are not limited in this embodiment; further, the actual value of each rental item can be calculated by calculating a weighted value of each rental item with respect to each attribute information, such as a weighted accumulated value or a weighted average value, which is not limited in this embodiment.
According to the scheme of the embodiment, the application credit limit of each to-be-granted partner is obtained; determining the remaining credit line of each to-be-granted partner, and determining the partner with the remaining credit line larger than the application credit line as a target credit-granted partner; determining the actual value of each rental item according to each attribute information; the accumulated value of each actual value is calculated, and the credit line of the target credit partner is determined according to the accumulated value result, so that automatic credit granting of the rental service partner is realized, the efficiency of credit granting and approval of the rental service is improved, and a large amount of human resources are saved.
EXAMPLE III
Fig. 3 is a flowchart of a trust granting method for a rental service in a third embodiment of the present invention, which is a further refinement of the foregoing technical solutions, and the technical solution in this embodiment may be combined with each optional solution in one or more embodiments. As shown in fig. 3, the method for granting trust for the rental service may include the following steps:
and step 310, obtaining the credit applying amount of each to-be-granted partner.
The set threshold may be a numerical value such as 1 ten thousand yuan, 2 ten thousand yuan, or 10 ten thousand yuan, which is not limited in this embodiment.
In an optional implementation manner of this embodiment, after the application credit line of each to-be-trusted partner is obtained, the remaining credit line of each to-be-trusted partner may be further determined, and the difference between the remaining credit line of each to-be-trusted partner and each application credit line is calculated respectively; when the target difference is larger than a set threshold (for example, 10 ten thousand yuan), the partner corresponding to the target difference is determined as the target credit granting partner.
For example, if the credit line application of the to-be-trusted partner a is 100 ten thousand yuan, the remaining credit line of the to-be-trusted partner a is 120 ten thousand yuan, and the difference between the remaining credit line of the to-be-trusted partner a and the credit line application is 20 ten thousand yuan and is greater than a set threshold value of 10 ten thousand yuan, the to-be-trusted partner a may be determined as the target trust partner at this time.
And step 330, acquiring the attribute information of each leased object under the name of the target credit-granting partner.
And 340, responding to the sign-in success instruction of the credit approval personnel, and acquiring historical lease information corresponding to the target credit approval partner.
In an optional implementation manner of this embodiment, after obtaining the attribute information of each lease item under the name of the target trust partner, the trust approver may further check in the management system, for example, a plurality of trust approvers may check in the trust management trust system online, and after the trust approver successfully checks in the management system, the historical lease information corresponding to the target trust partner may be obtained.
Optionally, after obtaining the historical lease information corresponding to the target credit granting partner, the credit granting amount of the target credit granting party may be determined according to each attribute information and each historical lease information.
In the scheme of the embodiment, the remaining credit line of each to-be-trusted partner is determined, and the difference value between the remaining credit line of each to-be-trusted partner and each application credit line is calculated respectively; when the target difference is larger than a set threshold value, determining a partner corresponding to the target difference as a target credit granting partner; and responding to the sign-in success instruction of the approval personnel for the credit authorization, and acquiring historical lease information corresponding to the target credit authorization partner, so that automatic credit authorization of the lease service partner is realized, the efficiency of credit authorization and approval of the lease service is improved, and a large amount of human resources are saved.
In order to make those skilled in the art better understand the trust method of the rental service in this embodiment, a specific example is used for description below, and the specific process includes:
s1, maintaining a credit line process of a partner.
S2, selecting a partner with credit line, and carrying out a maintenance method credit flow and a natural person credit flow.
Specifically, whether the remaining credit line of the cooperative business is larger than the application line information of the process or not needs to be judged in real time during application; and selecting a partner with a credit line, and inputting the loan and credit application information of the legal person to generate a credit approval table.
And S3, pushing real-time data according to the click acceptance time of the risk department credit review post of the leased object information.
Specifically, real-time data including rental value, proof deposit information, insurance information, invoice information, maintenance records, GPS positioning information and Chinese logging network record situation are pushed from the vehicle management integrated system according to click acceptance time, wherein the rental value information includes latest data such as account value, residual value, depreciation rate, discount rate and the like, and latest effective data of the rental and proof deposit is obtained through system setting rules.
And S4, the credit granting approval committee provides an on-line sign-in function, and the director committee, the committee and the train committee can check the information of the participating projects after clicking the sign-in.
Specifically, the management system provides an online sign-in function of the conference, the participant (credit granting and approving personnel) can check the information of the participant project after clicking the sign-in, the historical project leasing information of the lessee can be checked in a linked mode, and the most comprehensive and authoritative information is provided for the reviewers.
And S5, after the legal credit authorization flow and the natural person authorization flow are finished, pushing authorization information of the authorization amount to a vehicle management integrated system.
Specifically, the legal credit process and the natural person credit process pass examination and approval, the latest credit line information is pushed to the vehicle management integrated system, and an operator of the vehicle management integrated system needs to develop vehicle leasing business within the latest credit line range.
The scheme of the embodiment has convenience, the project information is looked up on line, the paper data of the project, including the historical data information of the project, is prevented from being looked up off line, and the information of the current states of the leased objects and the mortgage objects, the maintenance records, the insurance condition and the like can be grasped clearly; the scheme of the embodiment has accuracy, the frontmost data is obtained by butting the vehicle comprehensive management system, the factors of great fluctuation of the values of leased objects and mortgage objects and the like caused by market change are avoided, the accuracy rate of asset management judgment is greatly improved, and the most objective and fair principle is provided for credit decision; the scheme of the embodiment has real-time performance, the latest asset and historical project conditions are obtained, and the obtained result is faster and higher in real-time performance through related calculation; the scheme of the embodiment has accuracy, receives the latest credit approval limit result in real time, and related personnel need to complete the lease service for a small lessee in the real-time pushed credit limit range, so that the fund safety is ensured, the condition of credit risk is avoided to the greatest extent, and the judicious operation principle of the lease service is met; the scheme of the embodiment has the advantages that the serviceability is realized, the full-time investigation is required for the credit work, the latest dynamic data information of the rental business assets is acquired on line, the non-manual simple estimation is realized, meanwhile, the online sign-in function of the approval conference is provided, and the service quality is improved to a great extent.
Example four
Fig. 4 is a schematic structural diagram of a trust apparatus for rental business in a fourth embodiment of the present invention, which can execute the trust method for rental business in the foregoing embodiments. Referring to fig. 4, the apparatus includes: a credit application acquisition module 410, a target credit partner determination module 420 and a credit limit updating module 430.
The trust application obtaining module 410 is configured to obtain a trust application of at least one to-be-trusted partner;
the target credit-granting cooperative party determining module 420 is configured to determine a target credit-granting cooperative party from the at least one to-be-granted cooperative party, where a remaining credit-granting amount of the target credit-granting cooperative party is greater than an application credit-granting amount;
and the credit line updating module 430 is configured to obtain attribute information of each lease item under the name of the target credit partner, determine the credit line of the target credit partner according to each attribute information of each lease item, and push the credit line to the management system to update the credit line of the lease service of the target credit partner.
According to the scheme of the embodiment, a credit granting application of at least one to-be-granted partner is acquired through a credit granting application acquisition module; determining a target credit-granting cooperative party from at least one to-be-granted cooperative party through a target credit-granting cooperative party determining module, wherein the remaining credit-granting amount of the target credit-granting cooperative party is larger than the application credit-granting amount; the attribute information of each leased object under the name of the target credit partner is obtained through the credit line updating module, the credit line of the target credit partner is determined according to the attribute information of each leased object, and the credit line is pushed to the management system to update the credit line of the lease service of the target credit partner.
Optionally, the trust application obtaining module 410 is specifically used for
Acquiring the credit applying amount of each to-be-granted partner; the credit line application comprises a lease service credit line, a legal credit line or a natural person credit line.
Optionally, the target trust partner determining module 420 is specifically configured to
And determining the remaining credit line of each to-be-granted partner, and determining the partner with the remaining credit line larger than the application credit line as the target credit-granted partner.
Optionally, the target trust partner determining module 420 is further specifically configured to
Determining the remaining credit line of each to-be-granted partner, and respectively calculating the difference value between the remaining credit line of each to-be-granted partner and each application credit line;
and when the target difference is larger than the set threshold, determining the partner corresponding to the target difference as the target credit granting partner.
Optionally, the credit line updating module 430 includes: the credit limit determining submodule is used for determining the actual value of each rental item according to each attribute information;
and calculating the accumulated value of each actual value, and determining the credit line of the target credit partner according to the accumulated value result.
Optionally, the credit limit determination sub-module is specifically used for
And respectively setting the weight of each attribute parameter, and determining the actual value of the rental goods according to each weighted attribute parameter.
Optionally, the attribute information of each rental item related in this embodiment includes at least one of the following items:
account value, residual value, depreciation rate or discount rate, collateral information, insurance information, invoice information, maintenance records, positioning information, or docketing status for each rental item.
Optionally, the credit granting device for the rental service further includes: a historical lease information acquisition module for
And responding to the sign-in success instruction of the credit approval personnel, and acquiring historical lease information corresponding to the target credit approval partner.
Optionally, the credit granting device for the rental service further includes: a credit limit determination module of the target credit granting party, which is used for
And determining the credit line of the target credit granting party according to the attribute information and the historical lease information.
The credit granting device for the rental business provided by the embodiment of the invention can execute the credit granting method for the rental business provided by any embodiment of the invention, and has the corresponding functional modules and beneficial effects of the execution method.
EXAMPLE five
Fig. 5 is a schematic structural diagram of a computer apparatus according to a fifth embodiment of the present invention, as shown in fig. 5, the computer apparatus includes a processor 50, a memory 51, an input device 52, and an output device 53; the number of processors 50 in the computer device may be one or more, and one processor 50 is taken as an example in fig. 5; the processor 50, the memory 51, the input device 52 and the output device 53 in the computer apparatus may be connected by a bus or other means, and the connection by the bus is exemplified in fig. 5.
The memory 51 is used as a computer-readable storage medium, and can be used for storing software programs, computer-executable programs, and modules, such as program instructions/modules corresponding to the trust method of the rental business in the embodiment of the present invention (for example, the trust application obtaining module 410, the target trust partner determining module 420, and the trust amount updating module 430 in the trust device of the rental business). The processor 50 executes various functional applications and data processing of the computer device by executing software programs, instructions and modules stored in the memory 51, that is, implements the aforementioned method of granting credit for rental business.
The memory 51 may mainly include a storage program area and a storage data area, wherein the storage program area may store an operating system, an application program required for at least one function; the storage data area may store data created according to the use of the terminal, and the like. Further, the memory 51 may include high speed random access memory, and may also include non-volatile memory, such as at least one magnetic disk storage device, flash memory device, or other non-volatile solid state storage device. In some examples, the memory 51 may further include memory located remotely from the processor 50, which may be connected to a computer device over a network. Examples of such networks include, but are not limited to, the internet, intranets, local area networks, mobile communication networks, and combinations thereof.
The input device 52 is operable to receive input numeric or character information and to generate key signal inputs relating to user settings and function controls of the computer apparatus. The output device 53 may include a display device such as a display screen.
EXAMPLE six
An embodiment of the present invention further provides a storage medium containing computer-executable instructions, where the computer-executable instructions are executed by a computer processor to perform a method for granting credit for a rental service, and the method includes:
acquiring a credit granting application of at least one to-be-granted partner;
determining a target credit-granting cooperative party from at least one to-be-granted cooperative party, wherein the remaining credit-granting amount of the target credit-granting cooperative party is greater than the application credit-granting amount;
and acquiring attribute information of each leased object under the name of the target credit partner, determining the credit line of the target credit partner according to the attribute information of each leased object, and pushing the credit line to a management system so as to update the credit line of the lease service of the target credit partner.
Of course, the storage medium provided by the embodiment of the present invention includes computer-executable instructions, and the computer-executable instructions are not limited to the operations of the method described above, and may also perform related operations in the trust method for rental service provided by any embodiment of the present invention.
From the above description of the embodiments, it is obvious for those skilled in the art that the present invention can be implemented by software and necessary general hardware, and certainly, can also be implemented by hardware, but the former is a better embodiment in many cases. Based on such understanding, the technical solutions of the present invention may be embodied in the form of a software product, which can be stored in a computer-readable storage medium, such as a floppy disk, a Read-Only Memory (ROM), a Random Access Memory (RAM), a FLASH Memory (FLASH), a hard disk or an optical disk of a computer, and includes several instructions for enabling a computer device (which may be a personal computer, a server, or a network device) to execute the methods according to the embodiments of the present invention.
It should be noted that, in the embodiment of the trust apparatus for rental business, each unit and each module included in the embodiment are only divided according to functional logic, but are not limited to the above division, as long as the corresponding function can be realized; in addition, specific names of the functional units are only for convenience of distinguishing from each other, and are not used for limiting the protection scope of the present invention.
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 (20)
1. A credit granting method for lease service is characterized by comprising the following steps:
acquiring a credit granting application of at least one to-be-granted partner;
determining a target credit-granting cooperative party from at least one to-be-granted cooperative party, wherein the remaining credit-granting amount of the target credit-granting cooperative party is greater than the application credit-granting amount;
and acquiring attribute information of each leased object under the name of the target credit partner, determining the credit line of the target credit partner according to the attribute information of each leased object, and pushing the credit line to a management system so as to update the credit line of the lease service of the target credit partner.
2. The method according to claim 1, wherein the obtaining of the trust application of at least one to-be-trusted partner comprises:
acquiring the credit applying amount of each to-be-granted partner; the application credit line unit comprises a lease service credit line unit, a legal credit line unit or a natural person credit line unit.
3. The method according to claim 2, wherein the determining a target credit partner from at least one of the partners to be granted comprises:
and determining the remaining credit line of each to-be-credited cooperative party, and determining the cooperative party with the remaining credit line larger than the application credit line as the target credit cooperative party.
4. The method according to claim 2, wherein the determining a target credit partner from at least one of the partners to be granted further comprises:
determining the remaining credit line of each to-be-granted partner, and respectively calculating the difference value between the remaining credit line of each to-be-granted partner and each application credit line;
and when the target difference is larger than a set threshold value, determining the partner corresponding to the target difference as the target credit granting partner.
5. The method of claim 1, wherein determining the credit line of the target credit partner according to the attribute information of the leases comprises:
determining the actual value of each rental item according to each attribute information;
and calculating the accumulated value of each actual value, and determining the credit line of the target credit cooperation party according to the accumulated value result.
6. The method of claim 5, wherein determining the actual value of each rental item based on each attribute information comprises:
and respectively setting the weight of each attribute parameter, and determining the actual value of the rental goods according to each weighted attribute parameter.
7. The method of any of claims 1-6, wherein the attribute information for each rental item comprises at least one of:
account value, residual value, depreciation rate or discount rate, collateral information, insurance information, invoice information, maintenance records, positioning information, or docketing status for each rental item.
8. The method of claim 1, wherein after the obtaining attribute information for each rental item under the name of the target trusted partner, the method further comprises:
and responding to the sign-in success instruction of the credit granting and approving personnel, and acquiring historical lease information corresponding to the target credit granting partner.
9. The method of claim 8, wherein after the obtaining historical lease information corresponding to the target trusted partner, the method further comprises:
and determining the credit line of the target credit granting party according to the attribute information and the historical lease information.
10. A trust apparatus for a rental service, comprising:
the credit granting application acquisition module is used for acquiring the credit granting application of at least one to-be-granted partner;
the target credit-granting cooperative party determining module is used for determining a target credit-granting cooperative party from at least one to-be-granted cooperative party, wherein the remaining credit-granting amount of the target credit-granting cooperative party is larger than the application credit-granting amount;
and the credit line updating module is used for acquiring the attribute information of each lease item under the name of the target credit partner, determining the credit line of the target credit partner according to the attribute information of each lease item, and pushing the credit line to a management system so as to update the credit line of the lease service of the target credit partner.
11. The apparatus according to claim 10, wherein the trust application obtaining module is specifically configured to obtain the trust application
Acquiring the credit applying amount of each to-be-granted partner; the application credit line unit comprises a lease service credit line unit, a legal credit line unit or a natural person credit line unit.
12. The apparatus as claimed in claim 11, wherein the target trust partner determination module is specifically configured to determine the target trust partner
And determining the remaining credit line of each to-be-credited cooperative party, and determining the cooperative party with the remaining credit line larger than the application credit line as the target credit cooperative party.
13. The apparatus of claim 11, wherein the target trust partner determination module is further specifically configured to
Determining the remaining credit line of each to-be-granted partner, and respectively calculating the difference value between the remaining credit line of each to-be-granted partner and each application credit line;
and when the target difference is larger than a set threshold value, determining the partner corresponding to the target difference as the target credit granting partner.
14. The apparatus of claim 10, wherein the credit limit updating module comprises: credit limit determination submodule for
Determining the actual value of each rental item according to each attribute information;
and calculating the accumulated value of each actual value, and determining the credit line of the target credit cooperation party according to the accumulated value result.
15. The apparatus of claim 14, wherein the credit limit determination submodule is specifically configured to determine the credit limit
And respectively setting the weight of each attribute parameter, and determining the actual value of the rental goods according to each weighted attribute parameter.
16. The apparatus of any of claims 10-15, wherein the attribute information for each rental item comprises at least one of:
account value, residual value, depreciation rate or discount rate, collateral information, insurance information, invoice information, maintenance records, positioning information, or docketing status for each rental item.
17. The apparatus of claim 10, further comprising: a historical lease information acquisition module for
And responding to the sign-in success instruction of the credit granting and approving personnel, and acquiring historical lease information corresponding to the target credit granting partner.
18. The apparatus of claim 17, further comprising: a credit limit determination module of the target credit granting party, which is used for
And determining the credit line of the target credit granting party according to the attribute information and the historical lease information.
19. A computer arrangement comprising a memory, a processor and a computer program stored on the memory and executable on the processor, characterized in that the processor, when executing the program, implements a method of granting credit to a rental service as claimed in any of claims 1-9.
20. A storage medium containing computer-executable instructions for performing the method of granting credit for a rental service of any of claims 1-9 when executed by a computer processor.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202010981724.4A CN112200657A (en) | 2020-09-17 | 2020-09-17 | Method and device for granting credit for rental business, computer equipment and medium |
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202010981724.4A CN112200657A (en) | 2020-09-17 | 2020-09-17 | Method and device for granting credit for rental business, computer equipment and medium |
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| CN112200657A true CN112200657A (en) | 2021-01-08 |
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| JP2002288567A (en) * | 2001-01-16 | 2002-10-04 | Otsuka Shokai Co Ltd | Lease credit granting investigation requesting system, method and program |
| CN103093378A (en) * | 2011-11-07 | 2013-05-08 | 阿里巴巴集团控股有限公司 | Trading platform data processing method and system |
| CN109509081A (en) * | 2018-10-12 | 2019-03-22 | 深圳壹账通智能科技有限公司 | Accrediting amount data processing method, device, computer equipment and storage medium |
| CN110310082A (en) * | 2019-06-03 | 2019-10-08 | 阿里巴巴集团控股有限公司 | Method and device is signed above a kind of enterprise's line |
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Patent Citations (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| JP2002288567A (en) * | 2001-01-16 | 2002-10-04 | Otsuka Shokai Co Ltd | Lease credit granting investigation requesting system, method and program |
| CN103093378A (en) * | 2011-11-07 | 2013-05-08 | 阿里巴巴集团控股有限公司 | Trading platform data processing method and system |
| CN109509081A (en) * | 2018-10-12 | 2019-03-22 | 深圳壹账通智能科技有限公司 | Accrediting amount data processing method, device, computer equipment and storage medium |
| CN110310082A (en) * | 2019-06-03 | 2019-10-08 | 阿里巴巴集团控股有限公司 | Method and device is signed above a kind of enterprise's line |
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