CN112767127A - Loan fund monitoring method and device - Google Patents
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Abstract
The invention relates to the technical field of computer programs, in particular to a loan fund monitoring method and device. The method comprises the following steps: obtaining target loan information; wherein the target loan information at least comprises loan amount, loan account, borrower associated person or associated account information; monitoring the fund flow of the target transaction in the target loan account; and when the fund flow of the target transaction is monitored to an account meeting the preset risk rule, starting a loan fund risk alarm. The method and the device make up the problem of unfavorable monitoring or risk false alarm in the prior art, and improve the accuracy of loan fund alloy rule monitoring.
Description
Technical Field
The invention relates to the technical field of computer programs, in particular to a loan fund monitoring method and device.
Background
Along with the rapid development of national economy, the efficiency of bank credit funds shows a gradually rising trend. The credit fund usage and flow direction monitoring are important links in the whole process risk management of the loan of various banks and are always the key range of the compliance inspection and bank self-inspection of a supervision institution. Taking the entrusted payment loan service as an example, in the actual execution process of the entrusted payment of credit funds, the fund discrimination is difficult and serious due to a plurality of factors such as extremely complex use environment of the funds, serious asymmetry of information of lending parties, incapability of tracking the inter-bank fund transfer and the like. In the process, a bank generally only pays attention to the supervision and management of the payment link of the trusted payment of the credit funds, and is difficult to control various ways of entering the market by using effective technical supervision means and tools; in order to more conveniently control and use loan funds, the borrower not only transfers the entrusted payment object back to the funds, but also transfers the entrusted payment object back to the account of the borrower through multiple transfers of associated enterprises and relatives, and the complex high-frequency transactions further aggravate the difficulty of the loan bank in defining the funds return transactions.
Disclosure of Invention
The present application aims to solve at least one of the above technical drawbacks. The technical scheme adopted by the application is as follows:
in a first aspect, an embodiment of the present application discloses a loan fund monitoring method, including:
obtaining target loan information; wherein the target loan information at least comprises loan amount, loan account, borrower associated person or associated account information;
monitoring the fund flow of the target transaction in the target loan account;
and when the fund flow of the target transaction is monitored to an account meeting the preset risk rule, starting a loan fund risk alarm.
Further, the target loan may include, but is not limited to: trusteeship payment loans, consumption loans, loans with special payment purposes.
Further, the target transaction is a transaction with transaction information exception, wherein the transaction information exception includes but is not limited to: the transaction method comprises the steps of transaction with the transaction amount exceeding a preset safety amount threshold value, transaction with a transaction place in a risk area, transaction with a transaction object account belonging to a preset risk account, transaction with a transaction currency belonging to a preset monitoring currency range, and transaction with transaction commodity information belonging to a preset risk commodity.
Further, the monitoring of the flow of funds for the target transaction in the target loan account comprises:
acquiring a transaction table and an association table of the target transaction fund according to the fund chain data of the target transaction information;
constructing a point file and a relation file of a graph theory network model according to the generated transaction table and the association table;
constructing the fund flow direction graph model according to the point file and the relation file;
and monitoring the flow direction of the target fund according to the constructed fund flow graph model.
Further, the accounts meeting the preset risk rules include: the borrower of the targeted loan associates a financial account and an account with a risk identification.
Further, the account with risk identification includes, but is not limited to: accounts belonging to the loan issuing institution risk blacklist, overseas accounts, accounts of which account type belongs to the risk account type.
Further, monitoring a flow of funds for the target transaction in the target loan account comprises: acquiring fund flow direction information of the target transaction; and carrying out data processing on the fund flow direction information according to a data preprocessing rule.
After initiating a loan fund risk alert, the method further comprises: sending notification information to the borrower of the target loan; wherein the notification information is used for notifying the borrower to actively carry out risk clarification or advance repayment.
In a second aspect, an embodiment of the present application provides a loan fund monitoring apparatus, including: an acquisition module, a monitoring module, a storage module and an alarm module, wherein,
the acquisition module is used for acquiring target loan information; wherein the target loan information at least comprises loan amount, loan account, borrower associated person or associated account information;
the monitoring module is used for monitoring the fund flow direction of the target transaction in the target loan account;
the storage module is used for storing preset risk rules;
and the alarming module is used for starting loan fund risk alarming when the fund flow of the target transaction is monitored to an account meeting a preset risk rule.
Further, the monitoring module is specifically configured to monitor a target transaction as a transaction with abnormal transaction information, where the abnormal transaction information includes but is not limited to:
the transaction method comprises the steps of transaction with the transaction amount exceeding a preset safety amount threshold value, transaction with a transaction place in a risk area, transaction with a transaction object account belonging to a preset risk account, transaction with a transaction currency belonging to a preset monitoring currency range, and transaction with transaction commodity information belonging to a preset risk commodity.
Further, the preset risk rules stored by the storage module include: and determining the financial account related to the borrower of the target loan and the account with the risk identification as a risk account.
In a third aspect, an embodiment of the present application provides an electronic device, including a processor and a memory;
the memory is used for storing operation instructions;
the processor is configured to execute the method in any of the embodiments by calling the operation instruction.
In a fourth aspect, the present application provides a computer-readable storage medium, on which a computer program is stored, and when the computer program is executed by a processor, the computer program implements the method of any one of the above embodiments.
The embodiment of the application provides a loan fund monitoring scheme for monitoring the fund flow of the target transaction in the target loan account; and when the fund flow of the target transaction is monitored to an account meeting the preset risk rule, starting a loan fund risk alarm. The method has the advantages that based on the customer fund transaction network and the customer incidence relation network, the fund transaction characteristics of the customer are fully considered, the real destination of the credit fund can be more accurately positioned, the problem of unfavorable monitoring or risk misreport in the prior art is well solved, and the accuracy of loan fund alloy regulation monitoring is improved.
Drawings
In order to more clearly illustrate the technical solutions in the embodiments of the present application, the drawings used in the description of the embodiments of the present application will be briefly described below.
Fig. 1 is a schematic flow chart of a loan fund monitoring method according to an embodiment of the present application;
fig. 2 is a schematic view of a loan fund monitoring device according to an embodiment of the present application;
fig. 3 is a schematic structural diagram of an electronic device according to an embodiment of the present application.
Detailed Description
Reference will now be made in detail to embodiments of the present application, examples of which are illustrated in the accompanying drawings, wherein like or similar reference numerals refer to the same or similar elements or elements having the same or similar function throughout. The embodiments described below with reference to the drawings are exemplary only for the purpose of explaining the present application and are not to be construed as limiting the present invention.
It will be understood by those skilled in the art that, unless otherwise specified, the singular forms "a", "an", "the" and "the" may include the plural forms, and the plural forms "a", "an", "a", and "the" are merely intended to illustrate the object definition for clarity and do not limit the object itself, and certainly, the object definition for "a" and "an" may be the same terminal, device, user, etc., and may also be the same terminal, device, user, etc. It will be further understood that the terms "comprises" and/or "comprising," when used in this specification, specify the presence of stated features, integers, steps, operations, elements, and/or components, but do not preclude the presence or addition of one or more other features, integers, steps, operations, elements, components, and/or groups thereof. As used herein, the term "and/or" includes all or any element and all combinations of one or more of the associated listed items.
In addition, it is to be understood that "at least one" in the embodiments of the present application means one or more, "a plurality" means two or more. "and/or" describes the association relationship of the associated objects, meaning that there may be three relationships, e.g., a and/or B, which may mean: a alone, both A and B, and B alone, where A, B may be singular or plural. The character "/" generally indicates that the former and latter associated objects are in an "or" relationship. "at least one of the following" or similar expressions refer to any combination of these items, including any combination of the singular or plural items. For example, at least one (one) of a, b, or c, may represent: a, b, c, a and b, a and c, b and c, or a, b and c, wherein a, b and c can be single or multiple.
To make the objects, technical solutions and advantages of the present application more clear, embodiments of the present application will be described in further detail below with reference to the accompanying drawings.
The following description is presented as an aid to understanding or enabling the following description of certain embodiments and concepts and contexts in which embodiments may be practiced. The trusted payment of credit funds is a common means for controlling the use of borrowed funds by banks, and the fundamental purpose of the trusted payment of credit funds is to strictly control the use of funds of borrowers through the trusted payment of credit funds loan and simultaneously directly divide the borrowed funds into final beneficiaries according to the use. From the original execution difficulty to the gradual acceptance by loan banks and borrowers in the course of the development of the trusted payment of credit funds, the loan variety for simultaneously executing the trusted payment also covers almost the whole loan variety from the original limited variety number to the present. Although the trusted payment business of bank credit funds is a good fund flow direction risk control mode which has to be used, the practical effect is poor to some extent, certain risks still exist in the aspect of fund flow direction control, and meanwhile, the credit fund flow direction identification does not form a unified standard in the industry, so that the identification of the return of the trusted payment loan funds becomes one of the difficulties in financial risk prevention and is also an important and complex research subject. Based on this, the following embodiments of the present invention provide a loan fund monitoring scheme to address at least one of the above drawbacks.
The following describes the technical solutions of the present application and how to solve the above technical problems with specific embodiments. The following several specific embodiments may be combined with each other, and details of the same or similar concepts or processes may not be repeated in some embodiments. Embodiments of the present application will be described below with reference to the accompanying drawings.
The following describes the technical solutions of the present application and how to solve the above technical problems with specific embodiments. The following several specific embodiments may be combined with each other, and details of the same or similar concepts or processes may not be repeated in some embodiments. Embodiments of the present application will be described below with reference to the accompanying drawings.
Fig. 1 is a schematic flow chart illustrating a loan fund monitoring method provided by an embodiment of the present application, where as shown in fig. 1, the method may mainly include:
s101, obtaining target loan information; wherein the target loan information at least comprises loan amount, loan account, borrower associated person or associated account information.
In the embodiment of the present application, the target loan includes but is not limited to: trusteeship payment loans, consumption loans, loans with special payment purposes.
In a specific embodiment, the measures taken for extracting the target loan transaction information from a plurality of loan transactions of a specific customer may be extracting the credit transaction data of the customer, the credit transaction detail data of a company customer, the current transaction detail data of a loan account, and the association relationship data of the loan customer within a certain time range, wherein the current transaction detail data specifically includes field information such as a main customer account number, a main customer name, a main customer number, an opponent customer account number, an opponent customer name, a transaction type, a transaction loan flag, a transaction amount, a transaction time, a transaction institution, an abstract, and the like. Specifically, the corporate client credit service transaction detail data sheet records the transaction flow of client loan and repayment, and the corporate client current transaction detail data sheet records all transaction behaviors of the account (including but not limited to loan and repayment behaviors of loan accounts). When the loan account belongs to the inline account, the loan records in the company client credit business transaction detail data table correspond to the loan records in the current transaction detail data table one by one, so that the consistency of the analysis ranges of the credit business loan data, the credit business transaction detail data and the current transaction detail data of the loan account is ensured when the data are extracted. And obtaining the target loan service or account to be monitored according to the extraction of the loan service of the customer. In practice, the business characteristics of ' non-splittable ' (i.e. the capital goes straight out ') of trade financing are considered, so the loan business of trade financing class business can be not considered. This can be done by satisfying target loan data culling by screening subject categories such as short-term unit loan, medium-and-long-term unit loan, joint loan, and banking loan with accounting subject numbers.
And S102, monitoring the fund flow of the target transaction in the target loan account.
In an embodiment of the present application, the target transaction is a transaction with abnormal transaction information, where the abnormal transaction information includes but is not limited to: transactions whose transaction amount exceeds a preset security amount threshold value (e.g., transactions whose transaction amount exceeds a loan bank monitoring transaction amount), transactions whose transaction occurrence place is in a risk region (e.g., transaction occurrence place is in a non-Chinese region or a very resident city of a borrower), transactions whose transaction object accounts belong to a preset risk account (e.g., transactions whose object is loan institution risk fraud or an account identified as having a high risk of cash withdrawal), transactions whose transaction currencies belong to a preset monitoring currency range (e.g., transactions that convert issued RMB loan applications into dollar currency transactions), transactions whose transaction commodity information belongs to a preset risk commodity (e.g., transactions whose transaction product is illegal commodity).
In this embodiment of the present application, when monitoring the flow direction of funds in a target transaction in the target loan account, it is necessary to pre-process the obtained fund flow data or obtain the fund flow data meeting the pre-processing rules from the fund flow according to the pre-processing rules, where the pre-processing rules may include:
(1) checking whether there is a null value or a significant anomaly in the flow of funds to the transit account name (otherwise known as the upstream account name) and (otherwise penalized as the downstream account name) in the tree node. If the null value or the abnormality exists and the restoration cannot be carried out, removing; if the abnormal condition is abnormal and repairable, the processing of blank removing, full half-angle conversion and the like is carried out;
(2) removing transaction records with the collection account names corresponding to the non-entity company names, such as collection account names containing keywords of 'clearing', 'transfer', 'transition account', 'due payment' and the like;
(3) and screening all account data of the clients with the incidence relation with the transfer clients from the incidence relation table of the fund flow direction, and carrying out blank space removal and full half-angle conversion processing on the abnormal client names.
In an embodiment of the present application, the monitoring of the fund flow process of the target transaction in the target loan account includes:
step 1, acquiring a transaction table and an association table of the target transaction fund according to fund chain data of the target transaction information, namely tracking the fund chain data to generate an account dimension fund transaction table (transaction table for short) and a customer dimension association table (relationship table for short) of the fund chain; wherein, the transaction table and the relation table are respectively as follows:
(1) transaction table: containing the name, number and account number of the borrower; names, numbers and account numbers of transaction clients (the clients can be numbered or distinguished in other forms) are participated in the subsequent fund chain; fields such as transaction lending marks, transaction amount converted into RMB, transaction time and the like;
(2) relation table: loan name, loan number, associate name on the funding chain, associate number, relationship type, and the like.
Step 2, building a point file and a relation file of the graph theory network model according to the generated transaction table and the association table; in a specific embodiment, a Neo4j database software platform can be used to construct a graph theory model of the fund chain.
Firstly, point documents consisting of account numbers of a borrower, account numbers of clients participating in transaction and the numbers of the borrower and the associated persons in a relation table in a fund chain in the transaction table;
secondly, the transaction table and the relation table are used as relation files.
And 3, constructing the fund flow direction graph model according to the point file and the relation file.
And 4, monitoring the flow direction of the target fund according to the constructed fund flow graph model.
In a specific embodiment, the monitoring process may track a certain loan longitudinal expansion of the loan accounts according to a certain policy, and find a credit fund flow tree with the loan account as a root node and an account number of an opponent customer as a child node. Each account node comprises a customer number and customer name attributes, and each edge comprises attributes of transaction time, transaction amount to RMB and the like; or when the child nodes in the same level are sequentially ordered from left to right according to the transaction time, and the sum of the transaction amount converted into the RMB is larger than that of the parent node, the transverse expansion is stopped; or according to the association relationship network of the loan client, when the credit fund flow is to the sub-node account number in the tree which is just the root node account number or the account number associated with the root node account number, the tracking monitoring is stopped, and the loan client has an unqualified fund backflow problem.
S103, when the fund flow of the target transaction is monitored to an account meeting the preset risk rule, a loan fund risk alarm is started.
In an embodiment of the present application, the accounts meeting the preset risk rule include: the borrower of the targeted loan associates a financial account and an account with a risk identification. Wherein a borrower's associated financial account when monitored that the target transaction amount flows to the target loan indicates that the borrower has performed an out-of-compliance cash-out or cash back problem.
In the embodiment of the present application, the account with risk identification includes, but is not limited to: accounts belonging to a loan institution risk blacklist (e.g., bank-monitored accounts dedicated to credit card cash-out), overseas accounts, accounts of a risk account type (e.g., funds flow to a real estate company account for consumption credits).
In an alternative embodiment, after initiating the loan fund risk alert, the method further comprises: sending notification information to the borrower of the target loan; wherein the notification information is used for notifying the borrower to actively carry out risk clarification or advance repayment.
Based on the loan fund monitoring method shown in fig. 1, another aspect of the present application provides a loan fund monitoring apparatus, as shown in fig. 2, which may include: a 201 acquisition module, a 202 monitoring module, a 203 storage module and a 204 alarm module, wherein,
the 201 acquisition module is used for acquiring target loan information; wherein the target loan information at least comprises loan amount, loan account, borrower associated person or associated account information;
the 202 monitoring module is used for monitoring the fund flow of the target transaction in the target loan account;
the 203 storage module is used for storing preset risk rules;
and the 204 alarm module is used for starting a loan fund risk alarm when the fund flow of the target transaction is monitored to an account meeting the preset risk rule.
In an embodiment of the present application, the 202 monitoring module is specifically configured to monitor a target transaction as a transaction with abnormal transaction information, where the abnormal transaction information includes but is not limited to: the transaction method comprises the steps of transaction with the transaction amount exceeding a preset safety amount threshold value, transaction with a transaction place in a risk area, transaction with a transaction object account belonging to a preset risk account, transaction with a transaction currency belonging to a preset monitoring currency range, and transaction with transaction commodity information belonging to a preset risk commodity.
In an embodiment of the present application, the preset risk rules stored in the storage module 203 include: and determining the financial account related to the borrower of the target loan and the account with the risk identification as a risk account.
It is to be understood that the above-described respective constituent devices of the loan fund monitoring apparatus in the present embodiment have functions of realizing the respective steps of the method in the embodiment shown in fig. 1. The function can be realized by hardware, and can also be realized by executing corresponding software by hardware. The hardware or software includes one or more modules or systems corresponding to the above-described functions. The modules and systems can be software and/or hardware, and the modules and systems can be realized independently or integrated by a plurality of modules and systems. For the functional description of each module and system, reference may be specifically made to the corresponding description of the method in the embodiment shown in fig. 1, and therefore, the beneficial effects that can be achieved by the method may refer to the beneficial effects in the corresponding method provided above, which are not described again here.
It is to be understood that the illustrated construction of the embodiment of the present invention does not constitute a specific limitation on the specific construction of the loan fund monitoring apparatus. In other embodiments of the present application, the loan fund monitoring apparatus may include more or fewer components than shown, or some components may be combined, some components may be separated, or a different arrangement of components may be used. The illustrated components may be implemented in hardware, software, or a combination of software and hardware.
The embodiment of the application provides an electronic device, which comprises a processor and a memory;
a memory for storing operating instructions;
and the processor is used for executing the loan fund monitoring method provided by any embodiment of the application by calling the operation instruction.
As an example, fig. 3 shows a schematic structural diagram of an electronic device to which the embodiment of the present application is applied, and as shown in fig. 3, the electronic device 300 includes: a processor 301 and a memory 303. Wherein processor 301 is coupled to memory 303, such as via bus 302. Optionally, the electronic device 300 may further include a transceiver 304. It should be noted that the practical application of the transceiver 304 is not limited to one. It is to be understood that the illustrated structure of the embodiment of the present invention does not constitute a specific limitation to the specific structure of the electronic device 300. In other embodiments of the present application, electronic device 300 may include more or fewer components than shown, or some components may be combined, some components may be split, or a different arrangement of components. The illustrated components may be implemented in hardware, software, or a combination of software and hardware. Optionally, the electronic device may further include a display screen 305 for displaying images or receiving operation instructions of a user as needed.
The processor 301 is applied to the embodiment of the present application, and is configured to implement the method shown in the foregoing method embodiment. The transceiver 304 may include a receiver and a transmitter, and the transceiver 304 is applied in the embodiment of the present application and is used for implementing the function of the electronic device of the embodiment of the present application to communicate with other devices when executed.
The Processor 301 may be a CPU (Central Processing Unit), a general-purpose Processor, a DSP (Digital Signal Processor), an ASIC (Application Specific Integrated Circuit), an FPGA (Field Programmable Gate Array) or other Programmable logic device, a transistor logic device, a hardware component, or any combination thereof. Which may implement or perform the various illustrative logical blocks, modules, and circuits described in connection with the disclosure. The processor 301 may also be a combination of computing functions, e.g., comprising one or more microprocessors, a combination of a DSP and a microprocessor, or the like.
The processor 301 may operate the loan fund monitoring method provided in the embodiment of the present application, so as to reduce the operation complexity of the user, improve the intelligence degree of the terminal device, and improve the experience of the user. The processor 301 may include different devices, such as an integrated CPU and a GPU, and the CPU and the GPU may cooperate to execute the loan fund monitoring method provided in the embodiment of the present application, for example, part of the algorithm in the loan fund monitoring method is executed by the CPU, and another part of the algorithm is executed by the GPU, so as to obtain faster processing efficiency.
The Memory 303 may be a ROM (Read Only Memory) or other type of static storage device that can store static information and instructions, a RAM (Random Access Memory) or other type of dynamic storage device that can store information and instructions, an EEPROM (Electrically Erasable Programmable Read Only Memory), a CD-ROM (Compact disk), a high speed Random Access Memory, a non-volatile Memory such as at least one magnetic disk storage device, a flash Memory device, a universal flash Memory (UFS), or other optical disk storage, optical disk storage (including Compact disk, laser disk, optical disk, digital versatile disk, blu-ray disk, etc.), a magnetic disk storage medium or other magnetic storage device, a magnetic disk storage medium, or other magnetic storage device, Or any other medium which can be used to carry or store desired program code in the form of instructions or data structures and which can be accessed by a computer, but is not limited to such.
Optionally, the memory 303 is used for storing application program codes for executing the scheme of the present application, and is controlled by the processor 301 to execute. The processor 301 is configured to execute application program code stored in the memory 303 to implement the loan fund monitoring method provided in any of the embodiments of the present application.
The memory 303 may be used to store computer-executable program code, which includes instructions. The processor 301 executes various functional applications of the electronic device 300 and data processing by executing instructions stored in the memory 303. The memory 303 may include a program storage area and a data storage area. Wherein, the storage program area can store the codes of the operating system and the application program, etc. The storage data area may store data created during use of the electronic device 300 (e.g., images, video, etc. captured by a camera application), and the like.
The memory 303 may also store one or more computer programs corresponding to the loan fund monitoring method provided by the embodiments of the present application. The one or more computer programs stored in the memory 303 and configured to be executed by the one or more processors 301 include instructions that may be used to perform the various steps in the respective embodiments described above.
Of course, the code of the loan fund monitoring method provided by the embodiment of the application can also be stored in the external memory. In this case, the processor 301 may execute the code of the loan fund monitoring method stored in the external memory through the external memory interface, and the processor 301 may control the running of the loan fund monitoring process.
The display screen 305 includes a display panel. The display panel may be a Liquid Crystal Display (LCD), an organic light-emitting diode (OLED), an active-matrix organic light-emitting diode (active-matrix organic light-emitting diode, AMOLED), a flexible light-emitting diode (FLED), a miniature, a Micro-oeld, a quantum dot light-emitting diode (QLED), or the like. In some embodiments, the electronic device 300 may include 1 or N display screens 305, N being a positive integer greater than 1. The display screen 305 may be used to display information input by or provided to the user as well as various Graphical User Interfaces (GUIs). For example, the display screen 305 may display a photograph, video, web page, or file, etc.
The electronic device provided by the embodiment of the present application is applicable to any embodiment of the above method, and therefore, the beneficial effects that can be achieved by the electronic device can refer to the beneficial effects in the corresponding method provided above, and are not described again here.
Embodiments of the present application provide a computer-readable storage medium, which stores thereon a computer program, and when the computer program is executed by a processor, the computer program implements the loan fund monitoring method shown in the above method embodiments.
The computer-readable storage medium provided in the embodiments of the present application is applicable to any embodiment of the foregoing method, and therefore, the beneficial effects that can be achieved by the computer-readable storage medium can refer to the beneficial effects in the corresponding method provided above, and are not described herein again.
The embodiment of the present application further provides a computer program product, which when running on a computer, causes the computer to execute the above related steps to implement the method in the above embodiment. The computer program product provided in the embodiments of the present application is applicable to any of the embodiments of the method described above, and therefore, the beneficial effects that can be achieved by the computer program product can refer to the beneficial effects in the corresponding method provided above, and are not described herein again.
The loan fund monitoring scheme disclosed by the embodiment of the application comprises the steps of obtaining target loan information; wherein the target loan information at least comprises loan amount, loan account, borrower associated person or associated account information; monitoring the fund flow of the target transaction in the target loan account; and when the fund flow of the target transaction is monitored to an account meeting the preset risk rule, starting a loan fund risk alarm. The embodiment of the application provides a loan fund monitoring scheme for monitoring the fund flow of the target transaction in the target loan account; and when the fund flow of the target transaction is monitored to an account meeting the preset risk rule, starting a loan fund risk alarm. The method and the system are based on the customer fund transaction network and the customer incidence relation network, fully consider the fund transaction characteristics of the customer, can more accurately position the real destination of the credit fund, well solve the problems of monitoring disadvantages or risk misreport in the prior art, and improve the accuracy of loan fund alloy regulation monitoring.
In the several embodiments provided in the present application, it should be understood that the disclosed apparatus and method may be implemented in other manners. For example, the above-described apparatus embodiments are merely illustrative, and for example, a module or a unit may be divided into only one logical function, and may be implemented in other ways, for example, a plurality of units or components may be combined or integrated into another apparatus, or some features may be discarded or not executed. In addition, the shown or discussed mutual coupling or direct coupling or communication connection may be an indirect coupling or communication connection through some interfaces, devices or units, and may be in an electrical, mechanical or other form.
Units described as separate parts may or may not be physically separate, and parts displayed as units may be one physical unit or a plurality of physical units, may be located in one place, or may be distributed to a plurality of different places. Some or all of the units can be selected according to actual needs to achieve the purpose of the solution of the embodiment.
In addition, functional units in the embodiments of the present application may be integrated into one processing unit, or each unit may exist alone physically, or two or more units are integrated into one unit. The integrated unit can be realized in a form of hardware, and can also be realized in a form of a software functional unit.
The integrated unit, if implemented in the form of a software functional unit and sold or used as a stand-alone product, may be stored in a readable storage medium. Based on such understanding, the technical solutions of the embodiments of the present application may be essentially or partially contributed to by the prior art, or all or part of the technical solutions may be embodied in the form of a software product, where the software product is stored in a storage medium and includes several instructions to enable a device (which may be a single chip, a chip, or the like) or a processor (processor) to execute all or part of the steps of the methods of the embodiments of the present application. And the aforementioned storage medium includes: various media capable of storing program codes, such as a usb disk, a removable hard disk, a Read Only Memory (ROM), a Random Access Memory (RAM), a magnetic disk, or an optical disk.
It should be understood that, although the steps in the flowcharts of the figures are shown in order as indicated by the arrows, the steps are not necessarily performed in order as indicated by the arrows. The steps are not performed in the exact order shown and may be performed in other orders unless explicitly stated herein. Moreover, at least a portion of the steps in the flow chart of the figure may include multiple sub-steps or multiple stages, which are not necessarily performed at the same time, but may be performed at different times, which are not necessarily performed in sequence, but may be performed alternately or alternately with other steps or at least a portion of the sub-steps or stages of other steps.
The above description is only for the specific embodiments of the present application, but the scope of the present application is not limited thereto, and any person skilled in the art can easily conceive of changes or substitutions within the technical scope of the present application, and can make several modifications and decorations, and these changes, substitutions, improvements and decorations should also be considered to be covered by the scope of the present application. Therefore, the protection scope of the present application shall be subject to the protection scope of the claims.
Claims (13)
1. A loan fund monitoring method, the method comprising:
obtaining target loan information; wherein the target loan information at least comprises loan amount, loan account, borrower associated person or associated account information;
monitoring the fund flow of the target transaction in the target loan account;
and when the fund flow of the target transaction is monitored to an account meeting the preset risk rule, starting a loan fund risk alarm.
2. The loan fund monitoring method according to claim 1, wherein the target loan comprises but is not limited to:
trusteeship payment loans, consumption loans, loans with special payment purposes.
3. The loan fund monitoring method according to claim 1 or 2, wherein the target transaction is a transaction with abnormal transaction information, wherein the abnormal transaction information includes but is not limited to:
the transaction method comprises the steps of transaction with the transaction amount exceeding a preset safety amount threshold value, transaction with a transaction place in a risk area, transaction with a transaction object account belonging to a preset risk account, transaction with a transaction currency belonging to a preset monitoring currency range, and transaction with transaction commodity information belonging to a preset risk commodity.
4. The loan fund monitoring method according to claim 3, wherein the monitoring of the fund flow of the target transaction in the target loan account comprises:
acquiring a transaction table and an association table of the target transaction fund according to the fund chain data of the target transaction information;
constructing a point file and a relation file of a graph theory network model according to the generated transaction table and the association table;
constructing the fund flow direction graph model according to the point file and the relation file;
and monitoring the flow direction of the target fund according to the constructed fund flow graph model.
5. The loan fund monitoring method according to claim 1 or 4, wherein the accounts meeting the preset risk rules comprise:
the borrower of the targeted loan associates a financial account and an account with a risk identification.
6. The loan fund monitoring method according to claim 5, wherein the account with risk identification comprises but is not limited to:
accounts belonging to the loan issuing institution risk blacklist, overseas accounts, accounts of which account type belongs to the risk account type.
7. The loan fund monitoring method according to claim 1 or 6, wherein monitoring the fund flow of the target transaction in the target loan account comprises:
acquiring fund flow direction information of the target transaction;
and carrying out data processing on the fund flow direction information according to a data preprocessing rule.
8. The loan fund monitoring method according to claim 7, wherein after initiating the loan fund risk alert, the method further comprises:
sending notification information to the borrower of the target loan; wherein the notification information is used for notifying the borrower to actively carry out risk clarification or advance repayment.
9. A loan fund monitoring apparatus, the apparatus comprising: an acquisition module, a monitoring module, a storage module and an alarm module, wherein,
the acquisition module is used for acquiring target loan information; wherein the target loan information at least comprises loan amount, loan account, borrower associated person or associated account information;
the monitoring module is used for monitoring the fund flow direction of the target transaction in the target loan account;
the storage module is used for storing preset risk rules;
and the alarming module is used for starting loan fund risk alarming when the fund flow of the target transaction is monitored to an account meeting a preset risk rule.
10. The loan fund monitoring device according to claim 9, wherein the monitoring module is specifically configured to monitor the target transaction as an abnormal transaction information transaction, wherein the abnormal transaction information transaction includes but is not limited to:
the transaction method comprises the steps of transaction with the transaction amount exceeding a preset safety amount threshold value, transaction with a transaction place in a risk area, transaction with a transaction object account belonging to a preset risk account, transaction with a transaction currency belonging to a preset monitoring currency range, and transaction with transaction commodity information belonging to a preset risk commodity.
11. The loan fund monitoring device according to claim 10, wherein the storage module stores preset risk rules comprising:
and determining the financial account related to the borrower of the target loan and the account with the risk identification as a risk account.
12. An electronic device comprising a processor and a memory;
the memory is used for storing operation instructions;
the processor is used for executing the method of any one of claims 1-8 by calling the operation instruction.
13. A computer-readable storage medium, characterized in that the storage medium has stored thereon a computer program which, when being executed by a processor, carries out the method of any one of claims 1-8.
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| CN202110083266.7A CN112767127A (en) | 2021-01-21 | 2021-01-21 | Loan fund monitoring method and device |
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