CN112488819A - Fast farming loan business credit line verification method, system, equipment and medium - Google Patents
Fast farming loan business credit line verification method, system, equipment and medium Download PDFInfo
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Abstract
The invention provides a method, a system, equipment and a medium for checking credit line of fast farming and lending business, wherein the method comprises the following steps: data acquisition of a loan farmer, uploading the data and then verifying the data; establishing a credit model, wherein the credit limit is a basic limit and an additional limit; the basic limit L is calculated by a farmer planting or breeding area S, a production and operation cost C of an agricultural product unit, a farmer credit record K1, an area coefficient N and an industrial coefficient M; l ═ (S × C × M%) × K1 × N × M; m is greater than 0 and less than or equal to 1; the additional quota is 20% of the daily average financial assets of the client in the last n months, and n is a positive integer; the average daily financial asset is loan-free and is represented by X; paying according to the credit line of the credit model, so that the loan putting efficiency of the farmer loan is improved, and the bank loan reject ratio is reduced.
Description
Technical Field
The invention relates to the technical field of computers, in particular to a method, a system, equipment and a medium for checking credit lines of fast farming and lending business.
Background
In the existing loan, the loan is difficult for farmers because of the following reasons:
the method comprises the following steps that firstly, vast farmers in rural areas generally lack effective mortgages, and the credit fund availability of the farmers is generally low in the production and operation process;
secondly, the rural areas have wide farmer distribution area and more households, and the farmer has lower convenience for obtaining credit funds;
and thirdly, financial services are transferred, the loan needs to be checked and approved layer by layer, the loan process chain is long, and the credit fund acquisition speed is slow.
Moreover, some banks offer loans to farmers, but the reject ratio of the partial loans is high; this results in a vicious circle, making the farmers more and more difficult to loan; in order to enhance the convenience and availability of the loan of farmers and improve the loan-putting efficiency, a fast loan product is urgently needed.
Disclosure of Invention
The invention aims to provide a method, a system, equipment and a medium, which can ensure the loan-putting efficiency of farmer loans and reduce the bank loan reject ratio.
In a first aspect, the present invention provides a method for checking credit line of fast farming loan service, including:
step 1, collecting data of a loan farmer, uploading the data, and then verifying the data;
step 2, establishing a credit model, wherein the credit limit is basic limit and additional limit; the basic limit L is calculated by a farmer planting or breeding area S, a production and operation cost C of an agricultural product unit, a farmer credit record K1, an area coefficient N and an industrial coefficient M; l ═ (S × C × M%) × K1 × N × M; m is greater than 0 and less than or equal to 1; the additional quota is 20% of the daily average financial assets of the client in the last n months, and n is a positive integer; the average daily financial asset is loan-free and is represented by X;
and 3, paying according to the credit line of the credit model.
Further, the trust model further includes: the credit line is the basic line + the additional line-the deduction line; the deduction amount is the credit loan balance of the loan farmer at the financial institution and the external guarantee balance.
Further, the credit record K1 of the farmer is a repayment record of the farmer in the last 2 years;
if the farmer has loans in my bank in the last 2 years, no overdue record exists, and K1 is assigned with the value of 1.1;
if the farmer does not loan in my bank in the last 2 years, K1 is assigned 1;
if the farmer has loans in my bank in the last 2 years, the overdue record of 1 term exists, and the K1 is assigned with the value of 0.9;
if the farmer has loans in my bank in the last 2 years, 2 overdue records exist, and K1 is assigned with the value of 0.7;
if the farmer has loans in my bank in the last 2 years, the overdue record of 3 or more dates exists, and the K1 is assigned with 0.
Setting the area system N:
if the agricultural product market in the region is listed as a national geographical sign protection product, an agricultural product geographical sign product, a national origin place certification trademark or a Chinese coming brand, and N is assigned to 1.1;
if the agricultural product market in the region obtains the special industry identified by provincial and above government authorities or the special industry of non-material cultural heritage in provincial and above countries, N is assigned 1;
if the agricultural product market in the region obtains the characteristic industry identified by local government competent departments in county and city levels, the value of N is assigned to 0.9;
otherwise, assigning the value of N to be 0.8;
setting of industrial coefficient M:
if the annual output value of the regional special agricultural products is 10 million yuan or more, M is assigned with 1.1;
if the annual output value of the regional special agricultural products is more than 2 million yuan, M is assigned with 1;
if the annual output value of the regional special agricultural products is less than 2 million yuan, M is assigned to 0.9.
Further, the step 1 is further specifically: data acquisition of a loan farmer, uploading the data and then verifying the data;
setting 4 orders of data sources and making an acquisition rule: the internal data is a first order; external data with high public confidence obtained from government-related departments is a second sequence; other external data obtained by agricultural companies, industrial chain agricultural industrialized enterprises, industry associations, professional cooperative agencies and third-party companies are in a third priority; the conditions of production, operation and the like of farmers confirmed by the seal of the Commission of the village and the Commission of the village are the fourth priority;
carrying out field investigation on the data acquired by the whole-village promotion filing mode in batch, wherein the data information acquired by the field investigation comprises: basic conditions of farmers, operation varieties, operation scale, operation conditions, operation years, household assets, household liabilities, household annual income and household annual expenditure; meanwhile, a PAD mobile operation system is introduced, and a face recognition technology is adopted to position and photograph in real time through uploading;
and data comparison and verification, wherein the comparison is to check, check and verify different data sources, and the verification is to verify the authenticity and the validity of the client information in a way of verifying the client information on the spot by a client manager, visiting two clients in villages, getting rich leaders, other peasant households, market parties, core enterprises or government credit-increasing units.
In a second aspect, the present invention provides a credit line verification system for fast farming loan service, including:
the collection and uploading module is used for collecting data of the loan farmers, uploading the data and then verifying the data;
the model building module builds a credit model, and the credit line is the basic line plus the additional line; the basic limit L is calculated by a farmer planting or breeding area S, a production and operation cost C of an agricultural product unit, a farmer credit record K1, an area coefficient N and an industrial coefficient M; l ═ (S × C × M%) × K1 × N × M; m is greater than 0 and less than or equal to 1; the additional quota is 20% of the daily average financial assets of the client in the last n months, and n is a positive integer; the average daily financial asset is loan-free and is represented by X;
and the paying module pays according to the credit line of the credit model.
Further, the trust model further includes: the credit line is the basic line + the additional line-the deduction line; the deduction amount is the credit loan balance of the loan farmer at the financial institution and the external guarantee balance.
Further, the credit record K1 of the farmer is a repayment record of the farmer in the last 2 years;
if the farmer has loans in my bank in the last 2 years, no overdue record exists, and K1 is assigned with the value of 1.1;
if the farmer does not loan in my bank in the last 2 years, K1 is assigned 1;
if the farmer has loans in my bank in the last 2 years, the overdue record of 1 term exists, and the K1 is assigned with the value of 0.9;
if the farmer has loans in my bank in the last 2 years, 2 overdue records exist, and K1 is assigned with the value of 0.7;
if the farmer has loans in my bank in the last 2 years, the overdue record of 3 or more dates exists, and the K1 is assigned with 0.
Setting the area system N:
if the agricultural product market in the region is listed as a national geographical sign protection product, an agricultural product geographical sign product, a national origin place certification trademark or a Chinese coming brand, and N is assigned to 1.1;
if the agricultural product market in the region obtains the special industry identified by provincial and above government authorities or the special industry of non-material cultural heritage in provincial and above countries, N is assigned 1;
if the agricultural product market in the region obtains the characteristic industry identified by local government competent departments in county and city levels, the value of N is assigned to 0.9;
otherwise, assigning the value of N to be 0.8;
setting of industrial coefficient M:
if the annual output value of the regional special agricultural products is 10 million yuan or more, M is assigned with 1.1;
if the annual output value of the regional special agricultural products is more than 2 million yuan, M is assigned with 1;
if the annual output value of the regional special agricultural products is less than 2 million yuan, M is assigned to 0.9.
Further, the acquisition and uploading module further specifically comprises: data acquisition of a loan farmer, uploading the data and then verifying the data;
setting 4 orders of data sources and making an acquisition rule: the internal data is a first order; external data with high public confidence obtained from government-related departments is a second sequence; other external data obtained by agricultural companies, industrial chain agricultural industrialized enterprises, industry associations, professional cooperative agencies and third-party companies are in a third priority; the conditions of production, operation and the like of farmers confirmed by the seal of the Commission of the village and the Commission of the village are the fourth priority;
carrying out field investigation on the data acquired by the whole-village promotion filing mode in batch, wherein the data information acquired by the field investigation comprises: basic conditions of farmers, operation varieties, operation scale, operation conditions, operation years, household assets, household liabilities, household annual income and household annual expenditure; meanwhile, a PAD mobile operation system is introduced, and a face recognition technology is adopted to position and photograph in real time through uploading;
and data comparison and verification, wherein the comparison is to check, check and verify different data sources, and the verification is to verify the authenticity and the validity of the client information in a way of verifying the client information on the spot by a client manager, visiting two clients in villages, getting rich leaders, other peasant households, market parties, core enterprises or government credit-increasing units.
In a third aspect, the present invention provides an electronic device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor implements the method of the first aspect when executing the program.
In a fourth aspect, the invention provides a computer-readable storage medium having stored thereon a computer program which, when executed by a processor, performs the method of the first aspect.
One or more technical solutions provided in the embodiments of the present invention have at least the following technical effects or advantages:
the method, the system, the equipment and the medium provided by the embodiment of the application combine the traditional financial service and the Internet big data technology, utilize financial science and technology means such as the Internet, big data, artificial intelligence and the like, collect internal and external effective data in advance, establish a customer information file, embed a credit model in the system, automatically approve the credit line of the system, automatically check and approve the system, mainly adopt a credit mode, pay fast, loan is circulated by self-help, and interest rate is preferential, thereby effectively solving the problems of difficult loan, slow loan and expensive loan of farmers. By 7 months end in 2020, 19 trillions of Fujian rural fast farming and lending service farmers cover 357 billion yuan of credit line and 290 billion yuan of loan balance, cover all counties and regions, villages and towns of the whole province and 85% administrative villages, have the reject ratio of 0.027% and have good asset quality.
The foregoing description is only an overview of the technical solutions of the present invention, and the embodiments of the present invention are described below in order to make the technical means of the present invention more clearly understood and to make the above and other objects, features, and advantages of the present invention more clearly understandable.
Drawings
The invention will be further described with reference to the following examples with reference to the accompanying drawings.
FIG. 1 is a flow chart of a method according to one embodiment of the present invention;
fig. 2 is a schematic structural diagram of a system according to a second embodiment of the present invention.
Detailed Description
The embodiment of the application provides a method, a system, equipment and a medium for checking the credit line of the fast loan-farming business, solves the problems of difficult loan of farmers and high bank reject ratio, greatly increases the loan efficiency and greatly reduces the bank loan reject ratio.
One embodiment of the present invention: the method is characterized in that a Fujian farmer combines the characteristics of self business, strengthens top-level design, makes system methods such as business operation regulations, post-loan management implementation rules and the like, strictly executes 'three true' management requirements on business management, takes an industrial farmer as a real main body, takes the capital amount meeting the industrial requirements as a real requirement, takes the capital application for developing production as a real application, and strictly puts good industrial access, access gateways such as credit granting models, data acquisition, white list audit and the like.
And (I) allowing the good item to be closed. Before each project is started, the operation bank carries out deep investigation on the scale of the characteristic industry in the jurisdiction, the development prospect, the target customer group and the like, and the feasibility analysis of the project is made. On the basis of deeply investigating the industrial development condition, determining a business mode, formulating an overall financial service scheme, reporting the approval of provincial branches, and then implementing, and finally closing the good project from the source.
And (II) closing the good credit granting model. Firstly, a credit granting model is designed according to a business mode. The credit model is reasonably established by combining the factors such as customer property, income, cash flow and the like, a measuring formula and an approval rule are set, and deduction amount is set in the credit model, so that credit (guarantee) loan balance of a farmer and external guarantee balance and the like are correspondingly deducted, reasonable credit granting is ensured, excessive credit is not generated, and multi-head credit granting risk is prevented. The specific trust model is as follows: the credit line is the basic line + the additional line-the deduction line.
1. The basic limit L is calculated by the planting (breeding) area S of the farmer, the production and operation cost C of the agricultural product unit, the credit record K1 of the farmer, the area coefficient N and the industrial coefficient M. The agricultural product planting (breeding) area S is obtained by a manager of an operator to collect data confirmed by field investigation; the unit operation cost of agricultural products is provided by local agricultural bureau, fishery bureau and other departments, and the average cost of agricultural product planting (breeding) industry is obtained through local research and calculation by the local agricultural bureau, fishery bureau and the like, and the credit discount rate of agricultural product unit credit is 60%. L ═ (S × C × 60%). K1 × N × M.
(1) The credit record is quantized with a coefficient K1. And quantifying the credit record condition of the farmer on the line by using a coefficient K1, and taking the repayment record of the farmer on the line in the last 2 years.
a. The farmer has loans in my bank in the last 2 years, no overdue records exist, and K1 is assigned with a value of 1.1;
b. the farmer has no loan in my bank in the last 2 years, and K1 is assigned with 1;
c, the farmer loans in my bank in the last 2 years, and if the record of 1 overdue exists, the K1 is assigned with the value of 0.9;
d. the farmer has loans in my bank in the last 2 years, 2 overdue records exist, and K1 is assigned with the value of 0.7.
(2) And quantifying the regional agricultural product market competitive advantage by using the coefficient N. And quantifying the conditions of the popularity, the reputation, the market competitive advantage and the like of agricultural products in different areas by using the coefficient N.
a. The agricultural product market awareness and the reputation degree in the region are extremely high, the agricultural product market awareness and the reputation degree are listed as national geographical sign protection products, agricultural product geographical sign products or national origin place certification trademarks, Chinese coming trademarks and the like, and the value of N is 1.1;
b. the agricultural product in the region has high market awareness and reputation, obtains special industries identified by provincial and above government authorities or special industries related to provincial and above national non-material cultural heritage, and assigns a value of 1 to N;
c. the agricultural product market awareness and the reputation degree in the region are high, the characteristic industry identified by administrative departments of local governments in county and city levels is obtained, and the value of N is assigned to 0.9;
d. the market popularity and the reputation of the agricultural products in the area are general, and the value of N is 0.8.
The agricultural product area coefficient N can be set and adjusted according to different area conditions.
(3) And quantifying the industrial scale situation of the special agricultural products by using the coefficient M.
a. The annual output value of the regional special agricultural products is more than 10 billion yuan, and the value of M is 1.1;
b. the annual output value of the regional special agricultural products is more than 2 billion yuan (inclusive), and M is assigned with 1;
c, the annual output value of the special agricultural products in the region is less than 2 million yuan, and the value of M is assigned to 0.9.
2. The additional amount is determined from 20% of the customer's average financial assets (without loan) on a day of approximately 12 months, and is denoted by X. The client annuity financing product comprises a financing product, fund, precious metal, current deposit, periodic deposit and a large volume deposit list. The added amount X is 20% of the financial assets of the client in year and is not more than the basic amount, and the maximum value is not more than 5 ten thousand yuan.
And the second is to standardize the approval process of the trust model. On the basis of earnest research on market conditions and risk factors of the production industry, a foreground client department formulates an overall financial service scheme and designs a credit granting model. The service scheme is examined by a secondary branch credit management part, and peer credit examination and approval are carried out after approved by an authorized approver and approved by a provincial branch. And thirdly, maintaining and updating the trust model. Province and city branches regularly collect and arrange Huinong e loan model industry data in the jurisdiction, compare and analyze the difference and reasons of industry parameters of the same production industry in different areas, and adjust the credit model in time.
And (III) closing the good data acquisition. The first is data acquisition. Defining 4 orders of data sources and formulating an acquisition rule: the internal data is a first order; external data with high public confidence obtained from government-related departments is a second sequence; other external data obtained by agricultural companies, industrial chain agricultural industrialized enterprises, industry associations, professional cooperative agencies, third-party companies and the like are in a third priority; the conditions of production, operation and the like of farmers confirmed by the seal of the Shuanggui committee of Japan are the fourth priority. And carrying out field investigation by leading the team and the band of the branch to collect the data of the farmers in batches in a whole-village promotion and filing mode. The data information collected by field investigation mainly comprises: basic condition of farmers, operation variety, operation scale, operation condition, operation year, household assets, household liabilities, household annual income, household annual expenditure and the like. Meanwhile, a PAD mobile operation system is introduced, a face recognition technology is adopted, and real-time in-home investigation is realized by uploading and positioning and photographing. Secondly, data comparison and verification. The comparison is a process of checking, checking and verifying different data sources, and the verification is to verify the authenticity and the validity of the client information in ways of verifying the client information on the spot by a client manager, visiting two committees in villages, getting rich leaders, other farmers, market parties, core enterprises or government credit-increasing units and the like.
And (IV) allowing the white list to be approved and auditing to be closed. One is explicit customer admission conditions. And according to the actual conditions of the characteristics of the business modes, the production and operation characteristics of the target customers, the risk commonality and the like, defining the admission conditions of the target customers of each business mode. And secondly, screening high-risk customers by using a head office anti-fraud system. A designated specially-assigned person regularly extracts a high-risk client list from the anti-money laundering system and uploads the high-risk client list to a fast farming loan business management platform, and the system accurately eliminates the money laundering high-risk clients in a white list admittance link. And fourthly, a clear white list approval process is carried out. The white list can be imported and trusted only after field on-site investigation, data acquisition, comparison, verification, examination and approval, and reverse program operation is not required. Fifthly, a white list checking mechanism is established. And the branch lines and the secondary branch lines carry out telephone or field check on the white list according to a specified proportion.
Example one
As shown in fig. 1, the present embodiment provides a method for checking credit line of fast farming credit business, including:
step 1, collecting data of a loan farmer, uploading the data, and then verifying the data;
setting 4 orders of data sources and making an acquisition rule: the internal data is a first order; external data with high public confidence obtained from government-related departments is a second sequence; other external data obtained by agricultural companies, industrial chain agricultural industrialized enterprises, industry associations, professional cooperative agencies and third-party companies are in a third priority; the conditions of production, operation and the like of farmers confirmed by the seal of the Commission of the village and the Commission of the village are the fourth priority;
carrying out field investigation on the data acquired by the whole-village promotion filing mode in batch, wherein the data information acquired by the field investigation comprises: basic conditions of farmers, operation varieties, operation scale, operation conditions, operation years, household assets, household liabilities, household annual income and household annual expenditure; meanwhile, a PAD mobile operation system is introduced, and a face recognition technology is adopted to position and photograph in real time through uploading;
data comparison and verification, wherein the comparison is to check, check and verify different data sources, and the verification is to verify the authenticity and the validity of the client information in a way of verifying the client information on the spot by a client manager, visiting two clients in villages, getting rich leaders, other peasant households, market parties, core enterprises or government credit-increasing units;
step 2, establishing a credit model, wherein the credit limit is basic limit + additional limit-deduction limit; the deduction amount is credit loan balance of the loan farmer in the financial institution and external guarantee balance; the basic limit L is calculated by a farmer planting or breeding area S, a production and operation cost C of an agricultural product unit, a farmer credit record K1, an area coefficient N and an industrial coefficient M; l ═ (S × C × M%) × K1 × N × M; m is greater than 0 and less than or equal to 1; the additional quota is 20% of the daily average financial assets of the client in the last n months, and n is a positive integer; the average daily financial asset is loan-free and is represented by X;
and 3, paying according to the credit line of the credit model.
The credit record K1 of the farmer is the repayment record of the farmer in the last 2 years;
if the farmer has loans in my bank in the last 2 years, no overdue record exists, and K1 is assigned with the value of 1.1;
if the farmer does not loan in my bank in the last 2 years, K1 is assigned 1;
if the farmer has loans in my bank in the last 2 years, the overdue record of 1 term exists, and the K1 is assigned with the value of 0.9;
if the farmer has loans in my bank in the last 2 years, 2 overdue records exist, and K1 is assigned with the value of 0.7;
if the farmer has loans in my bank in the last 2 years, the overdue record of 3 or more dates exists, and the K1 is assigned with 0.
Setting the area system N:
if the agricultural product market in the region is listed as a national geographical sign protection product, an agricultural product geographical sign product, a national origin place certification trademark or a Chinese coming brand, and N is assigned to 1.1;
if the agricultural product market in the region obtains the special industry identified by provincial and above government authorities or the special industry of non-material cultural heritage in provincial and above countries, N is assigned 1;
if the agricultural product market in the region obtains the characteristic industry identified by local government competent departments in county and city levels, the value of N is assigned to 0.9;
otherwise, assigning the value of N to be 0.8;
setting of industrial coefficient M:
if the annual output value of the regional special agricultural products is 10 million yuan or more, M is assigned with 1.1;
if the annual output value of the regional special agricultural products is more than 2 million yuan, M is assigned with 1;
if the annual output value of the regional special agricultural products is less than 2 million yuan, M is assigned to 0.9.
Based on the same inventive concept, the application also provides a system corresponding to the method in the first embodiment, which is detailed in the second embodiment.
Example two
As shown in fig. 2, in this embodiment, a fast farming credit business credit line verification system is provided, which includes:
the collection and uploading module is used for collecting data of the loan farmers, uploading the data and then verifying the data;
setting 4 orders of data sources and making an acquisition rule: the internal data is a first order; external data with high public confidence obtained from government-related departments is a second sequence; other external data obtained by agricultural companies, industrial chain agricultural industrialized enterprises, industry associations, professional cooperative agencies and third-party companies are in a third priority; the conditions of production, operation and the like of farmers confirmed by the seal of the Commission of the village and the Commission of the village are the fourth priority;
carrying out field investigation on the data acquired by the whole-village promotion filing mode in batch, wherein the data information acquired by the field investigation comprises: basic conditions of farmers, operation varieties, operation scale, operation conditions, operation years, household assets, household liabilities, household annual income and household annual expenditure; meanwhile, a PAD mobile operation system is introduced, and a face recognition technology is adopted to position and photograph in real time through uploading;
data comparison and verification, wherein the comparison is to check, check and verify different data sources, and the verification is to verify the authenticity and the validity of the client information in a way of verifying the client information on the spot by a client manager, visiting two clients in villages, getting rich leaders, other peasant households, market parties, core enterprises or government credit-increasing units;
the model building module builds a credit model, and the credit limit is basic limit + additional limit-deduction limit; the deduction amount is credit loan balance of the loan farmer in the financial institution and external guarantee balance; the basic limit L is calculated by a farmer planting or breeding area S, a production and operation cost C of an agricultural product unit, a farmer credit record K1, an area coefficient N and an industrial coefficient M; l ═ (S × C × M%) × K1 × N × M; m is greater than 0 and less than or equal to 1; the additional quota is 20% of the daily average financial assets of the client in the last n months, and n is a positive integer; the average daily financial asset is loan-free and is represented by X;
and the paying module pays according to the credit line of the credit model.
The credit record K1 of the farmer is the repayment record of the farmer in the last 2 years;
if the farmer has loans in my bank in the last 2 years, no overdue record exists, and K1 is assigned with the value of 1.1;
if the farmer does not loan in my bank in the last 2 years, K1 is assigned 1;
if the farmer has loans in my bank in the last 2 years, the overdue record of 1 term exists, and the K1 is assigned with the value of 0.9;
if the farmer has loans in my bank in the last 2 years, 2 overdue records exist, and K1 is assigned with the value of 0.7;
if the farmer has loans in my bank in the last 2 years, the overdue record of 3 or more dates exists, and the K1 is assigned with 0.
Setting the area system N:
if the agricultural product market in the region is listed as a national geographical sign protection product, an agricultural product geographical sign product, a national origin place certification trademark or a Chinese coming brand, and N is assigned to 1.1;
if the agricultural product market in the region obtains the special industry identified by provincial and above government authorities or the special industry of non-material cultural heritage in provincial and above countries, N is assigned 1;
if the agricultural product market in the region obtains the characteristic industry identified by local government competent departments in county and city levels, the value of N is assigned to 0.9;
otherwise, assigning the value of N to be 0.8;
setting of industrial coefficient M:
if the annual output value of the regional special agricultural products is 10 million yuan or more, M is assigned with 1.1;
if the annual output value of the regional special agricultural products is more than 2 million yuan, M is assigned with 1;
if the annual output value of the regional special agricultural products is less than 2 million yuan, M is assigned to 0.9.
Since the system described in the second embodiment of the present invention is a system used for implementing the method of the first embodiment of the present invention, based on the method described in the first embodiment of the present invention, a person skilled in the art can understand the specific structure and the deformation of the system, and thus the detailed description is omitted here. All systems adopted by the method of the first embodiment of the present invention are within the intended protection scope of the present invention.
Based on the same inventive concept, the application provides an electronic device embodiment corresponding to the first embodiment, which is detailed in the third embodiment.
EXAMPLE III
The embodiment provides an electronic device, which includes a memory, a processor, and a computer program stored in the memory and executable on the processor, and when the processor executes the computer program, any one of the embodiments may be implemented.
Since the electronic device described in this embodiment is a device used for implementing the method in the first embodiment of the present application, based on the method described in the first embodiment of the present application, a specific implementation of the electronic device in this embodiment and various variations thereof can be understood by those skilled in the art, and therefore, how to implement the method in the first embodiment of the present application by the electronic device is not described in detail herein. The equipment used by those skilled in the art to implement the methods in the embodiments of the present application is within the scope of the present application.
Based on the same inventive concept, the application provides a storage medium corresponding to the fourth embodiment, which is described in detail in the fourth embodiment.
Example four
The present embodiment provides a computer-readable storage medium, on which a computer program is stored, and when the computer program is executed by a processor, any one of the first embodiment can be implemented.
The technical scheme provided in the embodiment of the application at least has the following technical effects or advantages: the method, system, device and medium provided by the embodiment of the application,
as will be appreciated by one skilled in the art, embodiments of the present invention may be provided as a method, system, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.
The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
Although specific embodiments of the invention have been described above, it will be understood by those skilled in the art that the specific embodiments described are illustrative only and are not limiting upon the scope of the invention, and that equivalent modifications and variations can be made by those skilled in the art without departing from the spirit of the invention, which is to be limited only by the appended claims.
Claims (10)
1. A fast farming loan service credit line verification method is characterized in that: the method comprises the following steps:
step 1, collecting data of a loan farmer, uploading the data, and then verifying the data;
step 2, establishing a credit model, wherein the credit limit is basic limit and additional limit; the basic limit L is calculated by a farmer planting or breeding area S, a production and operation cost C of an agricultural product unit, a farmer credit record K1, an area coefficient N and an industrial coefficient M; l ═ (S × C × M%) × K1 × N × M; m is greater than 0 and less than or equal to 1; the additional quota is 20% of the daily average financial assets of the client in the last n months, and n is a positive integer; the average daily financial asset is loan-free and is represented by X;
and 3, paying according to the credit line of the credit model.
2. The method as claimed in claim 1, wherein the credit line of the fast farming loan service is defined as follows: the trust model is further specifically as follows: the credit line is the basic line + the additional line-the deduction line; the deduction amount is the credit loan balance of the loan farmer at the financial institution and the external guarantee balance.
3. The method as claimed in claim 1, wherein the credit line of the fast farming loan service is defined as follows: the credit record K1 of the farmer is the repayment record of the farmer in the last 2 years;
if the farmer has loans in my bank in the last 2 years, no overdue record exists, and K1 is assigned with the value of 1.1;
if the farmer does not loan in my bank in the last 2 years, K1 is assigned 1;
if the farmer has loans in my bank in the last 2 years, the overdue record of 1 term exists, and the K1 is assigned with the value of 0.9;
if the farmer has loans in my bank in the last 2 years, 2 overdue records exist, and K1 is assigned with the value of 0.7;
if the farmer has loans in my bank in the last 2 years, the overdue record of 3 or more dates exists, and the K1 is assigned with 0.
Setting the area system N:
if the agricultural product market in the region is listed as a national geographical sign protection product, an agricultural product geographical sign product, a national origin place certification trademark or a Chinese coming brand, and N is assigned to 1.1;
if the agricultural product market in the region obtains the special industry identified by provincial and above government authorities or the special industry of non-material cultural heritage in provincial and above countries, N is assigned 1;
if the agricultural product market in the region obtains the characteristic industry identified by local government competent departments in county and city levels, the value of N is assigned to 0.9;
otherwise, assigning the value of N to be 0.8;
setting of industrial coefficient M:
if the annual output value of the regional special agricultural products is 10 million yuan or more, M is assigned with 1.1;
if the annual output value of the regional special agricultural products is more than 2 million yuan, M is assigned with 1;
if the annual output value of the regional special agricultural products is less than 2 million yuan, M is assigned to 0.9.
4. The method as claimed in claim 1, wherein the credit line of the fast farming loan service is defined as follows: the step 1 is further specifically as follows: data acquisition of a loan farmer, uploading the data and then verifying the data;
setting 4 orders of data sources and making an acquisition rule: the internal data is a first order; external data with high public confidence obtained from government-related departments is a second sequence; other external data obtained by agricultural companies, industrial chain agricultural industrialized enterprises, industry associations, professional cooperative agencies and third-party companies are in a third priority; the conditions of production, operation and the like of farmers confirmed by the seal of the Commission of the village and the Commission of the village are the fourth priority;
carrying out field investigation on the data acquired by the whole-village promotion filing mode in batch, wherein the data information acquired by the field investigation comprises: basic conditions of farmers, operation varieties, operation scale, operation conditions, operation years, household assets, household liabilities, household annual income and household annual expenditure; meanwhile, a PAD mobile operation system is introduced, and a face recognition technology is adopted to position and photograph in real time through uploading;
and data comparison and verification, wherein the comparison is to check, check and verify different data sources, and the verification is to verify the authenticity and the validity of the client information in a way of verifying the client information on the spot by a client manager, visiting two clients in villages, getting rich leaders, other peasant households, market parties, core enterprises or government credit-increasing units.
5. A credit line verification system for fast farming loan service is characterized in that: the method comprises the following steps:
the collection and uploading module is used for collecting data of the loan farmers, uploading the data and then verifying the data;
the model building module builds a credit model, and the credit line is the basic line plus the additional line; the basic limit L is calculated by a farmer planting or breeding area S, a production and operation cost C of an agricultural product unit, a farmer credit record K1, an area coefficient N and an industrial coefficient M; l ═ (S × C × M%) × K1 × N × M; m is greater than 0 and less than or equal to 1; the additional quota is 20% of the daily average financial assets of the client in the last n months, and n is a positive integer; the average daily financial asset is loan-free and is represented by X;
and the paying module pays according to the credit line of the credit model.
6. The system as claimed in claim 5, wherein the credit line of fast farming credit service is: the trust model is further specifically as follows: the credit line is the basic line + the additional line-the deduction line; the deduction amount is the credit loan balance of the loan farmer at the financial institution and the external guarantee balance.
7. The system as claimed in claim 5, wherein the credit line of fast farming credit service is: the credit record K1 of the farmer is the repayment record of the farmer in the last 2 years;
if the farmer has loans in my bank in the last 2 years, no overdue record exists, and K1 is assigned with the value of 1.1;
if the farmer does not loan in my bank in the last 2 years, K1 is assigned 1;
if the farmer has loans in my bank in the last 2 years, the overdue record of 1 term exists, and the K1 is assigned with the value of 0.9;
if the farmer has loans in my bank in the last 2 years, 2 overdue records exist, and K1 is assigned with the value of 0.7;
if the farmer has loans in my bank in the last 2 years, the overdue record of 3 or more dates exists, and the K1 is assigned with 0.
Setting the area system N:
if the agricultural product market in the region is listed as a national geographical sign protection product, an agricultural product geographical sign product, a national origin place certification trademark or a Chinese coming brand, and N is assigned to 1.1;
if the agricultural product market in the region obtains the special industry identified by provincial and above government authorities or the special industry of non-material cultural heritage in provincial and above countries, N is assigned 1;
if the agricultural product market in the region obtains the characteristic industry identified by local government competent departments in county and city levels, the value of N is assigned to 0.9;
otherwise, assigning the value of N to be 0.8;
setting of industrial coefficient M:
if the annual output value of the regional special agricultural products is 10 million yuan or more, M is assigned with 1.1;
if the annual output value of the regional special agricultural products is more than 2 million yuan, M is assigned with 1;
if the annual output value of the regional special agricultural products is less than 2 million yuan, M is assigned to 0.9.
8. The system as claimed in claim 5, wherein the credit line of fast farming credit service is: the acquisition uploading module is further specifically: data acquisition of a loan farmer, uploading the data and then verifying the data;
setting 4 orders of data sources and making an acquisition rule: the internal data is a first order; external data with high public confidence obtained from government-related departments is a second sequence; other external data obtained by agricultural companies, industrial chain agricultural industrialized enterprises, industry associations, professional cooperative agencies and third-party companies are in a third priority; the conditions of production, operation and the like of farmers confirmed by the seal of the Commission of the village and the Commission of the village are the fourth priority;
carrying out field investigation on the data acquired by the whole-village promotion filing mode in batch, wherein the data information acquired by the field investigation comprises: basic conditions of farmers, operation varieties, operation scale, operation conditions, operation years, household assets, household liabilities, household annual income and household annual expenditure; meanwhile, a PAD mobile operation system is introduced, and a face recognition technology is adopted to position and photograph in real time through uploading;
and data comparison and verification, wherein the comparison is to check, check and verify different data sources, and the verification is to verify the authenticity and the validity of the client information in a way of verifying the client information on the spot by a client manager, visiting two clients in villages, getting rich leaders, other peasant households, market parties, core enterprises or government credit-increasing units.
9. An electronic device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, characterized in that the processor implements the method according to any of claims 1 to 4 when executing the program.
10. A computer-readable storage medium, on which a computer program is stored which, when being executed by a processor, carries out the method according to any one of claims 1 to 4.
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Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
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| CN113487400A (en) * | 2021-06-04 | 2021-10-08 | 长春工业大学 | Financial credit consensus method based on honesty bidirectional selection |
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Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN113487400A (en) * | 2021-06-04 | 2021-10-08 | 长春工业大学 | Financial credit consensus method based on honesty bidirectional selection |
| CN113487400B (en) * | 2021-06-04 | 2022-10-11 | 长春工业大学 | Financial credit consensus method based on honesty bidirectional selection |
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Application publication date: 20210312 |