CN113159916A - Auxiliary diagnosis system for checking credit limit of farmer loan service - Google Patents
Auxiliary diagnosis system for checking credit limit of farmer loan service Download PDFInfo
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- CN113159916A CN113159916A CN202110254100.7A CN202110254100A CN113159916A CN 113159916 A CN113159916 A CN 113159916A CN 202110254100 A CN202110254100 A CN 202110254100A CN 113159916 A CN113159916 A CN 113159916A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/03—Credit; Loans; Processing thereof
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- B—PERFORMING OPERATIONS; TRANSPORTING
- B07—SEPARATING SOLIDS FROM SOLIDS; SORTING
- B07C—POSTAL SORTING; SORTING INDIVIDUAL ARTICLES, OR BULK MATERIAL FIT TO BE SORTED PIECE-MEAL, e.g. BY PICKING
- B07C3/00—Sorting according to destination
- B07C3/008—Means for collecting objects, e.g. containers for sorted mail items
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- B—PERFORMING OPERATIONS; TRANSPORTING
- B07—SEPARATING SOLIDS FROM SOLIDS; SORTING
- B07C—POSTAL SORTING; SORTING INDIVIDUAL ARTICLES, OR BULK MATERIAL FIT TO BE SORTED PIECE-MEAL, e.g. BY PICKING
- B07C3/00—Sorting according to destination
- B07C3/02—Apparatus characterised by the means used for distribution
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- B—PERFORMING OPERATIONS; TRANSPORTING
- B07—SEPARATING SOLIDS FROM SOLIDS; SORTING
- B07C—POSTAL SORTING; SORTING INDIVIDUAL ARTICLES, OR BULK MATERIAL FIT TO BE SORTED PIECE-MEAL, e.g. BY PICKING
- B07C3/00—Sorting according to destination
- B07C3/10—Apparatus characterised by the means used for detection ofthe destination
- B07C3/14—Apparatus characterised by the means used for detection ofthe destination using light-responsive detecting means
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06F—ELECTRIC DIGITAL DATA PROCESSING
- G06F16/00—Information retrieval; Database structures therefor; File system structures therefor
- G06F16/90—Details of database functions independent of the retrieved data types
- G06F16/93—Document management systems
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q50/00—Systems or methods specially adapted for specific business sectors, e.g. utilities or tourism
- G06Q50/02—Agriculture; Fishing; Mining
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04N—PICTORIAL COMMUNICATION, e.g. TELEVISION
- H04N1/00—Scanning, transmission or reproduction of documents or the like, e.g. facsimile transmission; Details thereof
- H04N1/04—Scanning arrangements, i.e. arrangements for the displacement of active reading or reproducing elements relative to the original or reproducing medium, or vice versa
Abstract
In order to solve the problems in the prior art, the invention provides an auxiliary diagnosis system for checking credit line of loan transaction of an farmer, which comprises: a scanner with a double-side scanning function. The document outlet end of the scanner is communicated with the document inlet end of the document sorting device. The scanner and the file sorting device are respectively in signal connection with the analysis system. The analysis system is provided with an information input device, and the analysis result is displayed through a display device. The analysis system includes: the device comprises a file continuity analysis module, a file information identification module, a logic model analysis module, a logic model correction analysis module and a file sorting control module. The invention can quickly carry out logic analysis on the declaration material of a borrower, thereby assisting bank staff to reasonably, accurately and quickly examine the declaration material. Meanwhile, the invention can quickly and automatically classify and order the declaration materials, and complete the scanning, the subpackaging and the type of the continuous files when classifying and ordering.
Description
Technical Field
The invention belongs to the technical field of computers, and particularly relates to an auxiliary diagnosis system for credit line checking information of a farmer loan service.
Background
At present, when each financial institution transacts credit business, the method for checking the credit limit is basically carried out according to one guide of three methods of original bank prisoner, the financial statements are used as the main basis for calculation, and the credibility of reported documents of the financial statements and the like or materials which can be mutually verified can be formed are mainly calculated on the basis of manual review and experience judgment of bank examiners. The authenticity and the validity of the credit material can not be judged reasonably and accurately all the time under the influence of various factors such as working experience of workers, attitude of doing things and the like. However, the existing credit business, especially the farmer loan business with higher requirements on the review and loan speed, cannot review the declaration materials reasonably, accurately and quickly, and can directly influence the loan amount applied by the user and the risk control of the bank.
Disclosure of Invention
The invention provides a checking information auxiliary diagnosis system for credit line of farmer loan service aiming at the problems in the prior art, which comprises: a scanner with a double-side scanning function. The document outlet end of the scanner is communicated with the document inlet end of the document sorting device. The scanner and the file sorting device are respectively in signal connection with the analysis system. The analysis system is provided with an information input device, and the analysis result is displayed through a display device.
Further, the analysis system includes: the device comprises a file continuity analysis module, a file information identification module, a logic model analysis module, a logic model correction analysis module and a file sorting control module.
Further, the file information identification module identifies the file information scanned by the scanner as information required by the logic model analysis module and the file continuity analysis module, and then sends the information to the logic model analysis module and the file continuity analysis module. And the file continuity analysis module is used for carrying out file continuity analysis after receiving the information sent by the file information identification module to obtain a continuity analysis result among the scanning files and sending the continuity analysis result to the file sorting control module and the logic model analysis module. And after receiving the information sent by the file information identification module and the file continuity analysis module, the logic model analysis module selects a corresponding logic analysis model for analysis to obtain a logic relation between each two continuous files, and analyzes to obtain credible file information conforming to the logic and suspicious file information with suspicious points. The credible file information and the suspicious point file information with the suspicious points are sent to the file sorting control module and displayed to bank workers through the display device, and the workers confirm whether the related files are credible files or suspicious point files. And inputting the analysis result to be corrected into a logic model correction analysis module of the analysis system by a worker through an information input device, and correcting the logic analysis model of the logic model analysis module by the logic model correction analysis module according to the feedback result.
Further, the document sorting apparatus includes: and the rotating shaft is connected with the driving output end of the stepping motor. And a plurality of connecting rods respectively connected with the file columns are fixed on the outer side surface of the rotating shaft along the section direction. A file basket is arranged in the file column. And a file chute obliquely and downwards arranged is arranged on one side above the rotating shaft. The top end of the file chute is communicated with a file outlet end of the scanner, and the bottom end of the file chute points to a position matched with the file basket. In the file sorting unit, three open frames are sequentially arranged on opposite sides of the file sliding groove relative to the rotating shaft, and the three open frames are respectively: a trusted file frame, a suspicious file frame and a file basket storage area. And safety doors for taking and placing the file basket are arranged on the side faces of the credible file frame and the suspicious file frame. And a horizontal guide rail is arranged at the top end of the rotating shaft. And the horizontal guide rail is provided with a hoisting device moving along the horizontal guide rail. The lifting device drives the lifting hook of the file basket to move up and down. The file basket lifting hook is used for lifting a file basket.
Further, the file bar includes: an open design of the guard wall. 2 bearings are oppositely arranged on the outer side of the top end of the protective wall. The inner ring of the bearing is fixed with the protective wall, and the outer ring of the bearing is fixed with the support rod through the support. The top end of the connecting rod is provided with two branches, and one branch is rotatably connected with one supporting rod.
Furthermore, the file basket comprises a basket body with an open top end and an iron sheet layer arranged on the top of the basket. The file basket lifting hook is an electromagnet matched with the iron sheet layer.
Further, the file sorting control module comprises: continuous file analysis and continuous file sorting control.
The continuous file analysis comprises: and identifying information at the top end and the low end of the file according to the information sent by the file information identification module, and taking continuous pages as main judgment marks when page number information exists, and taking the files with the continuous pages as continuous files. When there is no page number information, the top of the file has the centered title information as the beginning of the continuous file, and the bottom has blank information or the top of the next file has the centered title information as the end of the current continuous file.
The continuous document sorting control includes: according to the result of continuous file analysis, the open end of the empty file basket is located below the bottom end of the file chute by controlling the rotating shaft, and the open end is used for receiving the file sliding from the file chute. When the continuous files reach the tail page or the current file basket is filled with files with preset full amount, the open end of the new empty file basket is positioned below the bottom end of the file chute by controlling the rotating shaft and is used for receiving the new files sliding from the file chute.
Further, the file sorting control module comprises: and (5) trusted file sorting control. The trusted file sorting control comprises: firstly, numbering and recording a file basket containing files, and controlling a hoisting device to move to the upper part of the file basket along a horizontal guide rail when the file basket is driven by a rotating shaft to move to the upper part of the opposite side of a file chute. And then controlling the hoisting device to put down the lifting hook of the file basket, and electrifying to enable the lifting hook of the file basket to suck the iron sheet layer through magnetic force after the lifting hook of the file basket is contacted with the iron sheet layer. And then controlling the hoisting device to retract the file basket lifting hook, enabling the file basket lifting hook to adsorb the file basket to be separated from the file column, and conveying the file basket to a credible file frame or a suspicious file frame according to an analysis result of the logic model analysis module. And then the power is cut off to separate the file basket hook from the file basket. And finally, controlling the hoisting device to hoist a new file basket from the file basket storage area and placing the new file basket into the file column of the hoisted file basket to complete the trusted file sorting control.
Furthermore, an infrared counter is arranged at one end, facing the file, of the bottom of the file chute. The infrared counter is in signal connection with the analysis system. The continuous document sorting control includes: and controlling the rotating shaft to enable the opening end of the new empty file basket to be positioned below the bottom end of the file chute and used for receiving the new files sliding from the file chute when the number of the files falling into the file basket accords with the continuous file analysis result according to the continuous file analysis result and counting information sent by the infrared counter.
Furthermore, a baffle is arranged on one side of the file column back to the file chute, and a balancing weight is arranged at the bottom of the file column.
Further, the analysis process of the logic model analysis module comprises: firstly, the file information identified by the file information identification module is obtained, and the type of the file is judged according to the file title and the typesetting format. And then calling a logic analysis model corresponding to the currently applied loan credit line from the logic analysis model library. And finally, putting the file information of the corresponding file type into an analysis model according to the logic analysis model for model analysis to obtain an analysis result.
The logic analysis model judges whether the document information provided by the borrower meets the preset requirements or not and whether logic contradiction points exist among the information or not according to at least a financial statement, an agricultural type, the development scale of the borrower, the preset agricultural type operated by the borrower, the reasonable asset scale, income and expenditure information and the payment tax information which should be possessed by the borrower in the current development scale. And classifying the file information without the logic contradiction points one by one.
Further, the method for classifying the file information with the logical contradiction points one by one includes: when the file does not meet the preset requirement and the information with the logic contradiction point is classified as an unreliable file, the position of the logic contradiction point generated by the information which meets the preset requirement and has the logic contradiction point is displayed on the display device.
Further, the analysis and correction process of the logic model correction analysis module comprises: and when the suspicious information analyzed by the manual confirmation auxiliary system is a credible file, recording the manual confirmation information as a correction record R-X. When the judgment of the logic analysis model for a certain logic relation exceeds 20 percent of the occurrence correction record R-X, automatic correction or reporting correction is carried out.
The triggering conditions of automatic correction are as follows: and when the logic relation judges that more than 90 percent of suspicious information obtained by the same or similar logic analysis process with R-X is the same is corrected into the credible information, correcting the logic judgment which is correspondingly judged to be suspicious in the logic analysis process of the suspicious information into the credible logic judgment.
The triggering conditions for reporting and correcting are as follows: and starting when the judgment of the logic analysis model aiming at a certain logic relation triggers correction judgment and does not meet the triggering condition of automatic correction. At the moment, the R-X judged by the logical relation is classified according to different logical analysis processes, and the files which are judged by the same logical relation and have the same logical analysis process but have credible analysis results are selected as the additional files of the type. And sending each type of R-X corresponding to the logical relationship judgment integrated with the additional file to a system user with correction authority, and confirming and correcting the system user.
The invention has at least one of the following beneficial effects:
1. the system is based on an analysis system, and can quickly perform logic analysis on the declared materials of the borrowers through a file recognition and logic analysis model, so that bank workers are assisted to reasonably, accurately and quickly examine the declared materials.
2. The invention is based on the file sorting device, can quickly and automatically sort and order declaration materials, and finishes the scanning, the subpackaging and the type of continuous files when sorting and ordering, thereby facilitating the staff to quickly check and inquire the files on site.
3. The method has the logical model correction capability, can continuously perform self-improvement in the using process, and reduces logical analysis errors, so that the accuracy of logical analysis is gradually improved in the using process.
Drawings
The invention will be further described with reference to the following examples with reference to the accompanying drawings.
FIG. 1 is a schematic structural diagram of an auxiliary diagnosis system for credit line checking information of a farmer loan transaction of the present invention.
FIG. 2 is a schematic view of the optical document sorting apparatus according to the present invention.
FIG. 3 is a schematic view of the structure of the file column and the file basket of the present invention.
Detailed Description
In order to make the objects, technical solutions and advantages of the present invention more apparent, the present invention is described in further detail below. It should be understood that the specific embodiments described herein are merely illustrative of the invention and are not intended to limit the invention.
Example 1
A credit check monitoring device for pig breeding industry, as shown in figure 1, comprises: an auxiliary diagnosis system for checking credit line of farmer loan service comprises: a scanner 1 having a double-side scanning function. The document outlet end of the scanner 1 communicates with the document inlet end of the document sorting apparatus 2. The scanner 1 and the file sorting device 2 are respectively connected with an analysis system 3 through signals. The analysis system 3 is provided with an information input device, and the analysis result is displayed by a display device 4.
The analysis system 3 includes: the device comprises a file continuity analysis module, a file information identification module, a logic model analysis module, a logic model correction analysis module and a file sorting control module.
The file information identification module identifies the file information scanned by the scanner 1 as information required by the logic model analysis module and the file continuity analysis module, and then sends the information to the logic model analysis module and the file continuity analysis module. And the file continuity analysis module is used for carrying out file continuity analysis after receiving the information sent by the file information identification module to obtain a continuity analysis result among the scanning files and sending the continuity analysis result to the file sorting control module and the logic model analysis module. And after receiving the information sent by the file information identification module and the file continuity analysis module, the logic model analysis module selects a corresponding logic analysis model for analysis to obtain a logic relation between each two continuous files, and analyzes to obtain credible file information conforming to the logic and suspicious file information with suspicious points. The credible file information and the suspicious point file information with the suspicious points are sent to the file sorting control module and displayed to bank workers through the display device 4, and the workers confirm whether the related files are credible files or suspicious point files. And inputting the analysis result to be corrected into a logic model correction analysis module of the analysis system 3 by a worker through an information input device, and correcting the logic analysis model of the logic model analysis module by the logic model correction analysis module according to the feedback result.
The invention scans the files provided by the borrower one by one and sends the scanned files to the analysis system through the scanner 1 with double-sided scanning function, such as a Hewlett packard 4000snw scanner. The analysis system can quickly carry out logic analysis on the declared materials of the borrowers through the file recognition and logic analysis model, so that the bank staff is assisted to reasonably, accurately and quickly examine the declared materials. The file identification can adopt the existing picture information identification technology to convert the scanned file information into other format files of which the information can be read, such as Word files and Exc files.
Example 2
The credit checking and monitoring device for the pig breeding industry is based on embodiment 1, and as shown in fig. 2-3, the file sorting device 2 comprises: and a rotating shaft 201 connected with the driving output end of the stepping motor. A plurality of connecting rods 202 respectively connected with the file columns 205 are fixed on the outer side surface of the rotating shaft 201 along the cross section direction. Within the file column 205 is disposed a file basket 206. A file chute 207 which is obliquely and downwardly arranged is arranged on one side above the rotating shaft 201. The top end of the document chute 207 communicates with the document outlet end of the scanner 1, and the bottom end points to a position matching the document basket 206. In the file sorting device 2, three open frames are sequentially arranged on the opposite side of the file chute 207 relative to the rotating shaft 201, and the three open frames are respectively: trusted file box 211, suspect file box 212, and basket reserve 213. The side surfaces of the credible file frame 211 and the suspicious file frame 212 are provided with security doors for taking and placing file baskets. The top end of the rotating shaft 201 is provided with a horizontal guide rail 208. And a hoisting device 209 moving along the horizontal guide rail 208 is arranged on the horizontal guide rail 208. The lifting device 209 drives the file basket hook 210 to move up and down. The file basket hook 210 is used to hook the file basket 206.
The file column 205 includes: an open design retaining wall 2051. 2 bearings 2052 are oppositely arranged on the outer side of the top end of the protection wall 2051. The inner ring of the bearing 2052 is fixed with the guard wall 2051, and the outer ring is fixed with the support rod 203 through the bracket 204. The top end of the connecting rod 202 is provided with two branches, and one branch is rotatably connected with one supporting rod 203.
The document basket 206 includes an open-top basket 2061 and a sheet iron layer 2062 disposed on the top of the basket. The file basket hook 210 is an electromagnet that mates with the iron sheet layer 2062.
The file sorting control module comprises: continuous file analysis and continuous file sorting control.
The continuous file analysis comprises: and identifying information at the top end and the low end of the file according to the information sent by the file information identification module, and taking continuous pages as main judgment marks when page number information exists, and taking the files with the continuous pages as continuous files. When there is no page number information, the top of the file has the centered title information as the beginning of the continuous file, and the bottom has blank information or the top of the next file has the centered title information as the end of the current continuous file.
The continuous document sorting control includes: first, according to the result of continuous document analysis, the rotating shaft 201 is controlled so that the open end of the empty document basket 206 is located below the bottom end of the document chute 207 for receiving the document sliding down from the document chute 207. When the continuous document arrives at the end page or the current document basket 206 is already loaded with a preset full amount of documents, the open end of the new empty document basket 206 is positioned below the bottom end of the document chute 207 by controlling the rotating shaft 201, so as to receive the new document sliding down from the document chute 207.
The file sorting control module comprises: and (5) trusted file sorting control. The trusted file sorting control comprises: firstly, numbering and recording the file basket 206 containing the files, and controlling the lifting device 209 to move to the upper part of the file basket 206 along the horizontal guide rail 208 when the file basket 206 moves to the upper part of the opposite side of the file chute 207 under the driving of the rotating shaft 201. The lifting device 209 is then controlled to lower the basket hook 210, and when the basket hook 210 contacts the iron sheet layer 2062, power is applied to cause the basket hook 210 to magnetically attract the iron sheet layer 2062. Then, the lifting device 209 is controlled to retract the basket hook 210, so that the basket hook 210 attracts the basket 206 to separate from the file column 205, and the basket 206 is transported to the trusted file frame 211 or the suspect file frame 212 according to the analysis result of the logical model analysis module. And then de-energized to disengage the file basket hook 210 from the file basket 206. And finally, controlling the hoisting device 209 to hoist a new file basket 206 from the file basket storage area 213 and placing the new file basket 206 into the file column 205 of the hoisted file basket 206 to complete the trusted file sorting control.
In the prior art, the examination of the declared files is usually that workers check and scan and archive all the files one by one, and when a front-back contradiction point is found, the workers are very difficult to examine the previous files, which often causes the great reduction of the working efficiency. By adopting the file sorting device 2 and combining with the corresponding file sorting control module, on one hand, continuous documents can be sorted and placed quickly and continuously, and electronic documents are formed. On the other hand, when the logic analysis module analyzes the contradiction points, the staff can quickly locate and acquire the contradictory files from the file basket 206 in which different continuous files are placed in a classified manner, and the working efficiency of the staff is improved. Meanwhile, the document review work requires high concentration of attention of workers, and if the workers are required to store the documents after classified scanning, the review work of the workers can be interrupted, so that the problems that the workers cannot concentrate on the attention to review the documents and the like are caused. Therefore, file scanning is usually centralized scanning after all files are split, and if different files cannot be accurately filed, the working difficulty of filing and analyzing subsequent files can be greatly improved. According to the invention, through continuous file analysis and continuous file sorting control, the split files are accurately classified and stored again after being scanned, so that on one hand, the examination work of workers is not influenced, and on the other hand, the working difficulty of archiving and analyzing subsequent files due to the concentrated scanning of the split files is avoided.
Example 3
Based on the credit check monitoring device for the pig breeding industry described in embodiment 2, as shown in fig. 2-3, an infrared counter is arranged at one end, facing the file, of the bottom of the file chute 207. The infrared counter is in signal connection with the analysis system 3. The continuous document sorting control includes: according to the analysis result of the continuous files and the counting information sent by the infrared counter, when the number of the files falling into the file basket 206 meets the analysis result of the continuous files, the rotating shaft 201 is controlled to enable the open end of the new empty file basket 206 to be located below the bottom end of the file chute 207 and used for receiving the new files sliding from the file chute 207.
The arrangement can effectively avoid the problem that continuous files do not fall into the same or designated file basket 206 due to the problems of poor file slip speed and the like, and effectively avoid errors in classified placement of the files.
Example 4
Based on the credit check monitoring device for the pig breeding industry described in embodiment 2, as shown in fig. 3, a baffle 2053 is arranged on one side of the file column 205, which is opposite to the file chute 207, and the baffle 2053 can prevent a file which slides from the file chute 207 from sliding out of the file column 205. The bottom of the document column 205 is provided with a counterweight 2054. The balancing weight 2054 can stabilize the file column 205, and avoid the problem that the file does not accurately slide into the file basket 206 due to large-amplitude shaking in the working process.
Example 5
Based on embodiment 1, the credit verification monitoring device for the pig breeding industry comprises the following analysis processes of the logic model analysis module: firstly, the file information identified by the file information identification module is obtained, and the type of the file is judged according to the file title and the typesetting format. And then calling a logic analysis model corresponding to the currently applied loan credit line from the logic analysis model library. And finally, putting the file information of the corresponding file type into an analysis model according to the logic analysis model for model analysis to obtain an analysis result.
The logic analysis model judges whether the document information provided by the borrower meets the preset requirements or not and whether logic contradiction points exist among the information or not according to at least a financial statement, an agricultural type, the development scale of the borrower, the preset agricultural type operated by the borrower, the reasonable asset scale, income and expenditure information and the payment tax information which should be possessed by the borrower in the current development scale. And classifying the file information without the logic contradiction points one by one.
The method for classifying the file information with the logic contradiction points one by one comprises the following steps: when the file does not meet the preset requirement and the information with the logical contradiction point is classified as an untrusted file, the positions of the logical contradiction points generated mutually are displayed on the display device 4 for the information which meets the preset requirement and has the logical contradiction point.
When the documents are examined on site, the requirements on the memory and logic analysis capability of workers are high, and the problems of logic errors, contradiction and the like between the declared documents are easily ignored, so that the authenticity and the accuracy of the declared documents are not difficult to find in time, and the loan risk is improved. According to the invention, the scanned file information is logically analyzed through the preset logic analysis model, and on one hand, due to the storage and memory capacity of the computer, file logic analysis errors caused by memory errors can be effectively avoided. On the other hand, the logic analysis model can be used for carrying out stable and objective file logic analysis, and effectively assists workers in improving the accuracy of file examination. Meanwhile, the logical relationship contradiction points in the file can be quickly analyzed and obtained on site through computer model analysis, and the file examination speed is greatly improved through field inquiry by workers.
Example 6
Based on embodiment 1, the credit verification monitoring device for the pig breeding industry comprises the following analysis and correction processes of the logic model correction and analysis module: and when the suspicious information analyzed by the manual confirmation auxiliary system is a credible file, recording the manual confirmation information as a correction record R-X. For example, the first time a correction record of the logical analysis is recorded, it is denoted as R1-1. And the other logic analysis correction record is marked as R2-1. When the judgment of the logic analysis model for a certain logic relation exceeds 20 percent of the occurrence correction record R-X, automatic correction or reporting correction is carried out.
The triggering conditions of automatic correction are as follows: and when the logic relation judges that more than 90 percent of suspicious information obtained by the same or similar logic analysis process with R-X is the same is corrected into the credible information, correcting the logic judgment which is correspondingly judged to be suspicious in the logic analysis process of the suspicious information into the credible logic judgment.
The triggering conditions for reporting and correcting are as follows: and starting when the judgment of the logic analysis model aiming at a certain logic relation triggers correction judgment and does not meet the triggering condition of automatic correction. At the moment, the R-X judged by the logical relation is classified according to different logical analysis processes, and the files which are judged by the same logical relation and have the same logical analysis process but have credible analysis results are selected as the additional files of the type. And sending each type of R-X corresponding to the logical relationship judgment integrated with the additional file to a system user with correction authority, and confirming and correcting the system user.
The method has the logical model correction capability, can continuously perform self-improvement in the using process, and reduces logical analysis errors, so that the accuracy of logical analysis is gradually improved in the using process.
It is to be noted and understood that various modifications and improvements can be made to the invention described in detail above without departing from the spirit and scope of the invention as claimed. Accordingly, the scope of the claimed subject matter is not limited by any of the specific exemplary teachings provided.
Claims (9)
1. An auxiliary diagnosis system for checking credit line of farmer loan service is characterized by comprising: a scanner (1) having a double-sided scanning function; the file outlet end of the scanner (1) is communicated with the file inlet end of the file sorting device (2); the scanner (1) and the file sorting device (2) are respectively in signal connection with the analysis system (3); the analysis system (3) is provided with an information input device, and the analysis result is displayed through a display device (4);
the analysis system (3) comprises: the system comprises a file continuity analysis module, a file information identification module, a logic model analysis module, a logic model correction analysis module and a file sorting control module;
the file information identification module identifies the file information scanned by the scanner (1) as information required by the logic model analysis module and the file continuity analysis module and then sends the information to the logic model analysis module and the file continuity analysis module; the file continuity analysis module receives the information sent by the file information identification module, then performs file continuity analysis to obtain a continuity analysis result among the scanned files, and sends the continuity analysis result to the file sorting control module and the logic model analysis module; after receiving the information sent by the file information identification module and the file continuity analysis module, the logic model analysis module selects a corresponding logic analysis model for analysis to obtain a logic relation between each continuous file and analyzes to obtain credible file information conforming to the logic and suspicious point file information with suspicious points; the credible file information and the suspicious point file information with the suspicious points are sent to a file sorting control module, displayed to bank workers through a display device (4), and the workers confirm whether the related files are credible files or suspicious point files; and inputting the analysis result to be corrected into a logic model correction analysis module of the analysis system (3) by a worker through an information input device, and correcting the logic analysis model of the logic model correction analysis module by the logic model correction analysis module according to the feedback result.
2. The credit line checking information auxiliary diagnosis system for the farmer loan transaction according to claim 1, wherein the document sorting device (2) comprises: a rotating shaft (201) connected with the driving output end of the stepping motor; a plurality of connecting rods (202) respectively connected with the file columns (205) are fixed on the outer side surface of the rotating shaft (201) along the cross section direction; a file basket (206) is placed in the file column (205); a file chute (207) which is obliquely arranged downwards is arranged on one side above the rotating shaft (201); the top end of the file chute (207) is communicated with a file outlet end of the scanner (1), and the bottom end of the file chute points to a position matched with the file basket (206); in the file sorting device (2), three open frames are sequentially arranged on the opposite sides of the file sliding grooves (207) relative to the rotating shaft (201), and the three open frames are respectively: a trusted file frame (211), a suspicious file frame (212) and a file basket storage area (213); the side surfaces of the credible file frame (211) and the suspicious file frame (212) are provided with security doors for taking and placing file baskets; a horizontal guide rail (208) is arranged at the top end of the rotating shaft (201); a hoisting device (209) moving along the horizontal guide rail (208) is arranged on the horizontal guide rail (208); the hoisting device (209) drives the lifting hook (210) of the file basket to move up and down; the file basket hook (210) is used for hoisting a file basket (206);
the file bar (205) comprises: an open design retaining wall (2051); 2 bearings (2052) are oppositely arranged on the outer side of the top end of the protective wall (2051); an inner ring of the bearing (2052) is fixed with the protective wall (2051), and an outer ring of the bearing is fixed with the support rod (203) through a bracket (204); the top end of the connecting rod (202) is provided with two branches, and one branch is rotatably connected with one supporting rod (203);
the file basket (206) comprises a basket body (2061) with an open top end and an iron sheet layer (2062) arranged on the top of the basket; the file basket lifting hook (210) is an electromagnet matched with the iron sheet layer (2062).
3. The system of claim 2, wherein the document sorting control module comprises: continuous file analysis and continuous file sorting control;
the continuous file analysis comprises: identifying information of the top end and the low end of the file according to information sent by the file information identification module, and taking continuous pages as main judgment marks when page information exists, and taking the files with the continuous pages as continuous files; when no page number information exists, the top end of the file has centered title information as the beginning of the continuous file, and the bottom end of the file has blank information or the top end of the next page of file information has centered title information as the end of the current continuous file;
the continuous document sorting control includes: firstly, according to the analysis result of the continuous files, the open end of an empty file basket (206) is positioned below the bottom end of a file chute (207) by controlling a rotating shaft (201) and is used for receiving the files sliding from the file chute (207); when the continuous file reaches the end page or the current file basket (206) is filled with the file with the preset full amount, the open end of the new empty file basket (206) is positioned below the bottom end of the file chute (207) by controlling the rotating shaft (201) and is used for receiving the new file which slides from the file chute (207).
4. The system of claim 3, wherein the document sorting control module comprises: trusted file sorting control; the trusted file sorting control comprises: firstly, numbering and recording a file basket (206) filled with files, and controlling a hoisting device (209) to move to the upper part of the file basket (206) along a horizontal guide rail (208) when the file basket (206) is driven by a rotating shaft (201) to move to the lower part of the opposite side of a file chute (207) and to move to the upper part of the opposite side of the file chute; then controlling a hoisting device (209) to put down a file basket hook (210), and electrifying to enable the file basket hook (210) to attract the iron sheet layer (2062) through magnetic force after the file basket hook (210) is contacted with the iron sheet layer (2062); then controlling a hoisting device (209) to retract a file basket hook (210) to enable the file basket hook (210) to adsorb a file basket (206) to be separated from a file column (205), and conveying the file basket (206) to a trusted file frame (211) or a suspicious file frame (212) according to an analysis result of a logic model analysis module; then the power is cut off to separate the file basket hook (210) from the file basket (206); and finally, controlling the hoisting device (209) to hoist a new file basket (206) from the file basket storage area (213) and placing the new file basket (206) into the file column (205) where the file basket (206) is hoisted away, thereby finishing the trusted file sorting control.
5. The credit line checking information auxiliary diagnosis system for the farmer loan transaction according to claim 3, characterized in that an infrared counter is arranged at one end of the bottom of the document chute (207) facing the document; the infrared counter is in signal connection with the analysis system (3); the continuous document sorting control includes: according to the continuous file analysis result and the counting information sent by the infrared counter, when the number of the files falling into the file basket (206) accords with the continuous file analysis result, the rotating shaft (201) is controlled to enable the opening end of the new empty file basket (206) to be located below the bottom end of the file chute (207) and used for receiving the new files sliding from the file chute (207).
6. The credit line checking information auxiliary diagnosis system for the farmer loan transaction according to claim 2, wherein the document column (205) is provided with a baffle (2053) at a side opposite to the document chute (207) and a balancing weight (2054) at the bottom.
7. The system of claim 1, wherein the analysis process of the logic model analysis module comprises: firstly, acquiring file information identified by a file information identification module, and judging the type of a file according to the title and the typesetting format of the file; then calling a logic analysis model corresponding to the currently applied loan credit line from a logic analysis model library; finally, according to the logic analysis model, putting the file information of the corresponding file type into an analysis model for model analysis to obtain an analysis result;
the logic analysis model judges whether the document information provided by the borrower meets the preset requirements or not and whether logic contradiction points exist among the information or not according to at least a financial statement, an agricultural type, the development scale of the borrower, the agricultural type operated by the preset borrower, the reasonable asset scale, income and expenditure information and the payment tax information which should be possessed by the borrower in the current development scale; and classifying the file information without the logic contradiction points one by one.
8. The system of claim 7, wherein the method of classifying the information of the documents with logical contradiction points one by one comprises: when the file does not meet the preset requirement and the information with the logical contradiction point is classified as an unreliable file, the position of the logical contradiction point generated mutually is displayed on the display device (4) for the information which meets the preset requirement and has the logical contradiction point.
9. The system of claim 1, wherein the analysis and correction process of the logic model correction and analysis module comprises: when the suspicious information analyzed by the manual confirmation auxiliary system is a credible file, recording the manual confirmation information as a correction record R-X; when the judgment of the logic analysis model for a certain logic relation exceeds 20% of the occurrence of correction record R-X, automatic correction or reporting correction is carried out;
the triggering conditions of automatic correction are as follows: when the logic relation judges that more than 90 percent of suspicious information obtained by R-X in the same or similar logic analysis process is corrected into credible information, correcting logic judgment which is correspondingly judged to be suspicious in the logic analysis process of the suspicious information into credible logic judgment;
the triggering conditions for reporting and correcting are as follows: when the logic analysis model triggers correction according to the judgment of a certain logic relation and judges that the logic analysis model does not meet the triggering condition of automatic correction; at the moment, classifying the R-X judged by the logical relationship according to different logical analysis processes, and selecting a plurality of files which are judged by the same logical relationship and have the same logical analysis process but have credible analysis results as the additional files of the type; and sending each type of R-X corresponding to the logical relationship judgment integrated with the additional file to a system user with correction authority, and confirming and correcting the system user.
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