CN113159920A - Credit limit management method, system, electronic equipment and storage medium - Google Patents
Credit limit management method, system, electronic equipment and storage medium Download PDFInfo
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- 238000000034 method Methods 0.000 claims abstract description 45
- 238000004364 calculation method Methods 0.000 claims abstract description 23
- 238000004590 computer program Methods 0.000 claims description 8
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- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/03—Credit; Loans; Processing thereof
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- G06F16/20—Information retrieval; Database structures therefor; File system structures therefor of structured data, e.g. relational data
- G06F16/22—Indexing; Data structures therefor; Storage structures
- G06F16/2228—Indexing structures
- G06F16/2246—Trees, e.g. B+trees
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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
- G06F16/20—Information retrieval; Database structures therefor; File system structures therefor of structured data, e.g. relational data
- G06F16/28—Databases characterised by their database models, e.g. relational or object models
- G06F16/284—Relational databases
Abstract
The invention provides a credit limit management method, a credit limit management system, electronic equipment and a storage medium, wherein the credit limit management method comprises the following steps: acquiring a credit line account corresponding to the user information according to the user information, wherein the user information corresponds to a unique credit line account; acquiring a credit line corresponding to each node in a credit account tree based on the user information, the credit line account number and a preset credit line calculation strategy in each node in the credit account tree, wherein the credit account tree is in one-to-one correspondence with the credit line account number, and the credit account tree is constructed in advance; and acquiring the total credit line of the credit account tree according to the credit line corresponding to each node and the credit account tree. The method can be compatible with a historical account system, and can quickly iterate newly introduced service types.
Description
Technical Field
The invention relates to the technical field of finance, in particular to a credit line management method, a credit line management system, electronic equipment and a storage medium.
Background
In a financial credit system, with the continuous development of services, account structures tend to be diversified, such as large-amount credit, small-amount credit, returning money, white slips and the like. The management and control of different accounts on the limit and the risk strategy are more and more complex, and meanwhile, new business scenes are continuously appeared, so that the compatibility of a historical account system is more challenged.
Existing credit line management systems are primarily single threaded, implementing risk mitigation to fixed single risk agents in a one-to-one or one-to-many manner. The existing credit limit management system is difficult to adapt to the main risk of credit business under complex business scenes of group customers, multi-protocol sets and multi-products and multi-customers.
Specifically, when a certain credit business occurs, the credit business can be positioned to the credit business line previously applied according to financial attributes of the business scene, industry, affiliated institution and the like, after the relevant wind control checking condition passes, the credit business system of the credit structure can deduct the credit business amount from the credit line of the credit business, if the credit line is not enough, the credit application is refused, and the wind control action is ended in the single credit line control system.
In the existing credit limit control technology, the control means of single credit limit control is too single, and the requirement of multi-level and multi-layer wind control cannot be realized, so that a set of complete limit account system is needed to manage different service types, and meanwhile, introduction of new service types can be quickly iterated to be online, and the calculation logic of each historical service type is compatible.
Disclosure of Invention
The embodiment of the invention provides a credit limit management method, a credit limit management system, electronic equipment and a storage medium, which can solve the problem that the requirement of multistage multilayer wind control cannot be realized due to too single control means of a single credit limit control by the existing credit limit control technology.
In a first aspect of an embodiment of the present invention, a credit limit management method is provided, where the credit limit management method is applied to a credit limit management system, and the method includes:
acquiring a credit line account corresponding to the user information according to the user information, wherein the user information corresponds to a unique credit line account;
acquiring a credit line corresponding to each node in a credit account tree based on the user information, the credit line account number and a preset credit line calculation strategy in each node in the credit account tree, wherein the credit account tree is in one-to-one correspondence with the credit line account number, and the credit account tree is constructed in advance;
and acquiring the total credit line of the credit account tree according to the credit line corresponding to each node and the credit account tree.
Optionally, after obtaining the total credit line of the credit account tree, the method further comprises:
and uploading the total credit line of the credit account tree to a credit line adjusting system, wherein the credit line adjusting system is used for adjusting the user credit line corresponding to the user information.
Optionally, the method further comprises:
and when the credit limit management system adds a new credit limit type, adjusting the structure of the credit account tree and a preset credit limit calculation strategy in each node in the adjusted credit account tree.
Optionally, the method further comprises:
constructing the credit account tree, the method of constructing the credit account tree comprising:
determining child nodes and root nodes of the credit account tree based on a credit line type of the credit line management system;
determining a connection relationship between each node of the credit account tree according to the relationship between the credit limit types;
constructing the credit account tree based on child nodes, root nodes, and connection relationships between each node of the credit account tree.
In a second aspect of the embodiments of the present invention, there is provided a credit line management system, including:
the credit line account acquisition unit is used for acquiring a credit line account corresponding to the user information according to the user information, wherein the user information corresponds to a unique credit line account;
the node credit limit acquisition unit is used for acquiring a credit limit corresponding to each node in a credit account tree based on the user information, the credit limit account number and a preset credit limit calculation strategy in each node in the credit account tree, wherein the credit account tree is in one-to-one correspondence with the credit limit account number, and the credit account tree is constructed in advance;
and the total credit limit acquisition unit is used for acquiring the total credit limit of the credit account tree according to the credit limit corresponding to each node and the credit account tree.
Optionally, the system further comprises:
and the total credit limit uploading unit is used for uploading the total credit limit of the credit account tree to a credit limit adjusting system, wherein the credit limit adjusting system is used for adjusting the user credit limit corresponding to the user information.
Optionally, the system further comprises:
and the credit account tree adjusting unit is used for adjusting the structure of the credit account tree and the preset credit limit calculation strategy in each node in the adjusted credit account tree when the credit limit management system adds a new credit limit type.
Optionally, the system further comprises:
the credit account tree construction unit is used for determining child nodes and root nodes of the credit account tree based on the credit limit type of the credit limit management system;
determining a connection relationship between each node of the credit account tree according to the relationship between the credit limit types;
constructing the credit account tree based on child nodes, root nodes, and connection relationships between each node of the credit account tree.
In a third aspect of the embodiments of the present invention, there is provided an electronic device, including:
a processor;
a memory for storing processor-executable instructions;
wherein the processor is configured to invoke the memory-stored instructions to perform the aforementioned method.
In a fourth aspect of the embodiments of the present invention, there is provided a computer-readable storage medium having computer program instructions stored thereon, wherein the computer program instructions, when executed by a processor, implement the method described above.
The invention provides a credit limit management method, which is applied to a credit limit management system and comprises the following steps: acquiring a credit line account corresponding to the user information according to the user information, wherein the user information corresponds to a unique credit line account; acquiring a credit line corresponding to each node in a credit account tree based on the user information, the credit line account number and a preset credit line calculation strategy in each node in the credit account tree, wherein the credit account tree is in one-to-one correspondence with the credit line account number, and the credit account tree is constructed in advance; and acquiring the total credit line of the credit account tree according to the credit line corresponding to each node and the credit account tree.
The credit limit management method provided by the application can acquire the credit limit account tree corresponding to the user information according to the user information, so that the total credit limit of the credit account tree corresponding to the user is obtained, the diversity control of the credit limit is realized, and when a new service type occurs in the credit limit management system, only the structure of the credit account tree needs to be changed, the account layer calculation logic of the credit limit management system is modified at the minimum cost, and meanwhile, the historical service type can be compatible.
Drawings
FIG. 1 is a schematic flow chart illustrating a method for managing a credit line according to an embodiment of the present application;
FIG. 2 is a diagram illustrating a credit account tree according to an embodiment of the present application;
FIG. 3 is a schematic diagram of a credit limit management system according to an embodiment of the present application.
Detailed Description
In order to make the objects, technical solutions and advantages of the embodiments of the present invention clearer, the technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
The terms "first," "second," "third," "fourth," and the like in the description and in the claims, as well as in the drawings, if any, are used for distinguishing between similar elements and not necessarily for describing a particular sequential or chronological order. It is to be understood that the data so used is interchangeable under appropriate circumstances such that the embodiments of the invention described herein are capable of operation in sequences other than those illustrated or described herein.
It should be understood that, in various embodiments of the present invention, the sequence numbers of the processes do not mean the execution sequence, and the execution sequence of the processes should be determined by the functions and the internal logic of the processes, and should not constitute any limitation on the implementation process of the embodiments of the present invention.
It should be understood that in the present application, "comprising" and "having" and any variations thereof, are intended to cover a non-exclusive inclusion, such that a process, method, system, article, or apparatus that comprises a list of steps or elements is not necessarily limited to those steps or elements expressly listed, but may include other steps or elements not expressly listed or inherent to such process, method, article, or apparatus.
It should be understood that, in the present invention, "a plurality" means two or more. "and/or" is merely an association describing an associated object, meaning that three relationships may exist, for example, and/or B, may mean: a exists alone, A and B exist simultaneously, and B exists alone. The character "/" generally indicates that the former and latter associated objects are in an "or" relationship. "comprises A, B and C" and "comprises A, B, C" means that all three of A, B, C comprise, "comprises A, B or C" means that one of A, B, C comprises, "comprises A, B and/or C" means that any 1 or any 2 or 3 of A, B, C comprises.
It should be understood that in the present invention, "B corresponding to a", "a corresponds to B", or "B corresponds to a" means that B is associated with a, and B can be determined from a. Determining B from a does not mean determining B from a alone, but may be determined from a and/or other information. And the matching of A and B means that the similarity of A and B is greater than or equal to a preset threshold value.
As used herein, "if" may be interpreted as "at … …" or "when … …" or "in response to a determination" or "in response to a detection", depending on the context.
The technical solution of the present invention will be described in detail below with specific examples. 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.
Fig. 1 is a schematic flow chart illustrating a method for managing a credit line according to an embodiment of the present application, where the method is applied to a credit line management system, as shown in fig. 1, and the method includes:
step S101, obtaining a credit limit account corresponding to user information according to the user information;
illustratively, existing credit line management architectures are primarily single threaded, implementing risk mitigation to fixed single risk agents in a one-to-one or one-to-many manner. Specifically, when a certain credit business occurs, the credit business can be positioned to the credit business line previously applied according to financial attributes of the business scene, industry, affiliated institution and the like, after the relevant wind control checking condition passes, the credit business system of the credit structure can deduct the credit business amount from the credit line of the credit business, if the credit line is not enough, the credit application is refused, and the wind control action is ended in the single credit line control system.
Therefore, the control method for controlling the single credit limit by the existing credit limit control technology is required to be solved, and the requirement that multistage and multilayer wind control cannot be realized is met.
Optionally, a corresponding credit line account can be established for a user corresponding to the user information, so that each user is guaranteed to have a unique corresponding credit line account, the credit line of the user can be inquired conveniently, and the user information can be managed conveniently.
It should be noted that the user information in the embodiment of the present disclosure may include, but is not limited to: the credit name of the user, the credit effective date, the credit failure date, the total amount of applied credit, the total amount of approved credit, the circulating credit identification, the guarantee identification with guarantee, the guarantee fund identification needing payment, the minimum proportion of the guarantee fund, the credit state, the number of the payment strokes in a single day, the payment amount in a single day, the delay times and the like. The credit line account may include, but is not limited to: numbers, letters, special symbols, combinations of various means, and the like.
Step S102, obtaining a credit line corresponding to each node in a credit account tree based on the user information, the credit line account number and a preset credit line calculation strategy in each node of the credit account tree;
the credit account tree is in one-to-one correspondence with the credit line account number, and the credit account tree is constructed in advance.
It can be understood that, after a user registers an account number in a credit company, a credit account tree corresponding to the user can be constructed according to the credit situation of the user, and the credit account tree and the credit line account number are in one-to-one correspondence. Illustratively, taking the service types of the credit company including large-amount loans, small-amount loans, credit card loans, white stripes and the like as examples, a corresponding credit account tree can be constructed according to the service types of the credit company, so that multi-level, multi-type and diversified credit risk control is realized, the credit condition of each node in the credit account tree is reasonably controlled, and the overall credit condition of the user is reasonably controlled.
Illustratively, each node of the credit account tree is preset with a corresponding credit limit calculation strategy, and when a specific node in the credit account tree is inquired, the credit limit of the specific node can be quickly determined, the calculation speed is increased, and the inquiry time is saved. The credit limit calculation policy may be set in the credit limit management system according to the user requirement, which is not limited in the embodiment of the present application.
In an alternative embodiment, the method further comprises constructing the credit account tree, the method comprising:
determining child nodes and root nodes of the credit account tree based on a credit line type of the credit line management system;
determining a connection relationship between each node of the credit account tree according to the relationship between the credit limit types;
constructing the credit account tree based on child nodes, root nodes, and connection relationships between each node of the credit account tree.
The credit account tree may be set according to the business type of the credit company, and the credit account tree may include a multi-branch tree. Each credit line type may correspond to a node in the credit account tree, and the relationship between each credit line type may correspond to a link chain of the credit account tree. Further, when a credit company includes multiple subsidiaries, multiple trees of credit accounts may be aggregated to form multiple trees of credit accounts.
Fig. 2 is a schematic diagram illustrating a structure of a credit account tree according to an embodiment of the present application, and taking the credit line type as alternate month and payment type as an example, as shown in fig. 2, the credit account tree may include:
the alternate month returning type 21 is a root node, and the alternate month returning type 21 can include 4 child nodes below the root node, which are respectively: small credit credits 211, small consumer account billing system 212, large credit credits 213, and reserve funds 214.
Illustratively, the credit loan 211 may be a root node, and may include 5 child nodes below, which are: a mini loan 2111, H5, a small account 2112, a credit card debit 2113, a cash credit 2114, and a white bar 2115; wherein, the minicredits 2111 can be used as a root node, and further include heavy asset minicredits 21111; h5 mini-account 2112 may serve as a root node, further including heavy asset H5 mini-account 21121; credit card substitution 2113 can be used as a root node, and further comprises heavy asset credit card substitution 21131 and light asset credit card substitution 21132; the cash staging 2114 may serve as a root node, further including a heavy asset cash staging 21141 and a light asset cash staging 21142; the whitebar 2115 may serve as a root node, further including a heavy asset whitebar 21151.
Illustratively, the petty consumption account billing system 212 may serve as a root node under which a flower share 2121 may be included, and the flower share 2121 may serve as a root node further including a heavy asset share flower 21211.
Illustratively, the big credit loan 213 may serve as a root node, under which may be included a child node heavy asset big account 2131 and a child node light asset big account 2132.
Illustratively, the back-up fund 214 may be the root node, under which the child node heavy asset back-up fund 2141 may be included.
As known from the above, the business type of the credit company can be visually displayed through the credit account tree, and the user can be quickly corresponding to the corresponding child node.
It can be understood that by constructing the credit account tree in advance, after the credit limit account corresponding to the user is obtained according to the actual situation of the user and the business type of the credit company, the time and the calculation amount for calculating the credit limit of a single node and the total credit limit of the user in real time are saved, the credit situation of each node in the credit account tree and the total credit situation of the user can be reasonably controlled, and thus, multi-level, multi-type and diversified credit risk control is realized.
In an alternative embodiment, when the credit limit management system adds a new credit limit type, the structure of the credit account tree and the preset credit limit calculation policy in each node of the adjusted credit account tree are adjusted.
Alternatively, when a new credit limit type is added to the credit limit management system, the existing credit limit management system often needs a lot of research and development personnel to modify the code or structure type of the system, and invests a lot of research and development time, and meanwhile, the existing credit limit management system may need to modify the calculation logic of account information, which is time-consuming and labor-consuming.
When the new credit limit type is added to the credit limit management system, the new credit limit type of the system can be added only by adding the corresponding node without changing the structures of other nodes in the credit account tree and only by adjusting the credit limit calculation strategy preset by the node of the credit account tree through least modification to the existing system, and the method can be compatible with the historical service type.
And step S103, acquiring the total credit line of the credit account tree according to the credit line corresponding to each node and the credit account tree.
After the credit limit corresponding to each node is determined, the total credit limit of the credit account tree can be gradually acquired according to the credit account tree. Illustratively, if the credit line corresponding to the light asset credit card generation is 2000 yuan and the credit line corresponding to the heavy asset credit card generation is 200 yuan, the credit line corresponding to the credit card generation as the root node of the light asset credit card generation and the heavy asset credit card generation is 2200 yuan; if the corresponding credit limit of the small micro credit is 2000 yuan, the corresponding credit limit is 2200 yuan which is the maximum value of the small micro credit and the credit card generation and reduction credit limit as the small micro credit and the small credit of the credit card generation and reduction root node. It is to be understood that, in the embodiment of the present application, the method for determining the credit line of the root node may include a sum of the credit lines of the respective sub-nodes corresponding to the root node, and may also include a maximum value of the credit line in the respective sub-nodes corresponding to the root node, and the method for determining the credit line of the root node is not limited in the embodiment of the present application.
By analogy, after the credit limit corresponding to each root node is obtained, the total credit limit of the credit account tree can be determined.
In an alternative embodiment, after obtaining the total credit limit of the credit account tree, the method further comprises:
and uploading the total credit line of the credit account tree to a credit line adjusting system, wherein the credit line adjusting system is used for adjusting the user credit line corresponding to the user information.
After the total credit limit of the credit account tree is obtained, the total credit limit can be further uploaded to a credit limit adjusting system, wherein the credit limit adjusting system is used for adjusting the user credit limit corresponding to the user information. The method for adjusting the credit limit of the user corresponding to the user information in the embodiment of the application comprises but is not limited to the following steps: adjusting the amount of the initial credit line, the amount of the additional credit line, the amount of the frozen credit line, the amount of the balance of the credit line, the amount of the available credit line, etc. By adjusting the credit limit of the user corresponding to the user information, the credit limit of the user can be flexibly adjusted, and the user experience is improved.
The credit limit management method provided by the application can acquire the credit limit account tree corresponding to the user information according to the user information, so that the total credit limit of the credit account tree corresponding to the user is obtained, the diversity control of the credit limit is realized, and when a new service type occurs in the credit limit management system, only the structure of the credit account tree needs to be changed, the account layer calculation logic of the credit limit management system is modified at the minimum cost, and meanwhile, the historical service type can be compatible.
Fig. 3 is a schematic diagram illustrating the structure of a credit line management system according to an embodiment of the present application, and as shown in fig. 3, the credit line management system includes:
a credit line account acquisition unit 31, configured to acquire a credit line account corresponding to the user information according to the user information, where the user information corresponds to a unique credit line account;
a node credit limit obtaining unit 32, configured to obtain a credit limit corresponding to each node in a credit account tree based on the user information, the credit limit account number, and a preset credit limit calculation policy in each node in the credit account tree, where the credit account tree is in one-to-one correspondence with the credit limit account number, and the credit account tree is pre-constructed;
and a total credit limit obtaining unit 33, configured to obtain a total credit limit of the credit account tree according to the credit limit corresponding to each node and the credit account tree.
In an alternative embodiment, the system further comprises:
and the total credit limit uploading unit is used for uploading the total credit limit of the credit account tree to a credit limit adjusting system, wherein the credit limit adjusting system is used for adjusting the user credit limit corresponding to the user information.
In an alternative embodiment, the system further comprises:
and the credit account tree adjusting unit is used for adjusting the structure of the credit account tree and a preset credit limit calculation strategy in each node of the adjusted credit account tree when the credit limit management system adds a new credit limit type.
In an alternative embodiment, the system further comprises:
the credit account tree construction unit is used for determining child nodes and root nodes of the credit account tree based on the credit limit type of the credit limit management system;
determining a connection relationship between each node of the credit account tree according to the relationship between the credit limit types;
constructing the credit account tree based on child nodes, root nodes, and connection relationships between each node of the credit account tree.
In some embodiments, functions of the system or modules included in the system provided in the embodiment of the present application may be used to execute the method described in the above method embodiment, and specific implementation thereof may refer to the description of the above method embodiment, and for brevity, no further description is provided here.
Embodiments of the present application also provide a computer-readable storage medium, on which computer program instructions are stored, and the computer program instructions, when executed by a processor, implement the above method. The computer readable storage medium may be a non-volatile computer readable storage medium.
The readable storage medium may be a computer storage medium or a communication medium. Communication media includes any medium that facilitates transfer of a computer program from one place to another. Computer storage media may be any available media that can be accessed by a general purpose or special purpose computer. For example, a readable storage medium is coupled to the processor such that the processor can read information from, and write information to, the readable storage medium. Of course, the readable storage medium may also be an integral part of the processor. The processor and the readable storage medium may reside in an Application Specific Integrated Circuits (ASIC). Additionally, the ASIC may reside in user equipment. Of course, the processor and the readable storage medium may also reside as discrete components in a communication device. The readable storage medium may be a read-only memory (ROM), a random-access memory (RAM), a CD-ROM, a magnetic tape, a floppy disk, an optical data storage device, and the like.
An embodiment of the present application further provides an electronic device, including: a processor; a memory for storing processor-executable instructions; wherein the processor is configured to invoke the memory-stored instructions to perform the above-described method.
The embodiments of the present application also provide a computer program product, which includes computer readable code, and when the computer readable code runs on a device, a processor in the device executes instructions for implementing the method provided in any of the above embodiments.
The disclosed embodiments also provide another computer program product for storing computer readable instructions, which when executed, cause a computer to perform the operations of the method provided by any of the above embodiments.
The electronic device may be provided as a terminal, server, or other form of device.
In the above embodiments of the terminal or the server, it should be understood that the Processor may be a Central Processing Unit (CPU), other general-purpose processors, a Digital Signal Processor (DSP), an Application Specific Integrated Circuit (ASIC), etc. A general purpose processor may be a microprocessor or the processor may be any conventional processor or the like. The steps of a method disclosed in connection with the present invention may be embodied directly in a hardware processor, or in a combination of the hardware and software modules within the processor.
Finally, it should be noted that: the above embodiments are only used to illustrate the technical solution of the present invention, and not to limit the same; while the invention has been described in detail and with reference to the foregoing embodiments, it will be understood by those skilled in the art that: the technical solutions described in the foregoing embodiments may still be modified, or some or all of the technical features may be equivalently replaced; and the modifications or the substitutions do not make the essence of the corresponding technical solutions depart from the scope of the technical solutions of the embodiments of the present invention.
Claims (10)
1. A credit limit management method is characterized in that the credit limit management method is applied to a credit limit management system, and the method comprises the following steps:
acquiring a credit line account corresponding to the user information according to the user information, wherein the user information corresponds to a unique credit line account;
acquiring a credit line corresponding to each node in a credit account tree based on the user information, the credit line account number and a preset credit line calculation strategy in each node of the credit account tree, wherein the credit account tree is in one-to-one correspondence with the credit line account number, and the credit account tree is constructed in advance;
and acquiring the total credit line of the credit account tree according to the credit line corresponding to each node and the credit account tree.
2. The method of claim 1, wherein after obtaining the total line of credit of the credit account tree, the method further comprises:
and uploading the total credit line of the credit account tree to a credit line adjusting system, wherein the credit line adjusting system is used for adjusting the user credit line corresponding to the user information.
3. The method of claim 1, further comprising:
and when the credit limit management system adds a new credit limit type, adjusting the structure of the credit account tree and a preset credit limit calculation strategy in each node of the adjusted credit account tree.
4. The method of claim 1, further comprising:
constructing the credit account tree, the method of constructing the credit account tree comprising:
determining child nodes and root nodes of the credit account tree based on a credit line type of the credit line management system;
determining a connection relationship between each node of the credit account tree according to the relationship between the credit limit types;
constructing the credit account tree based on child nodes, root nodes, and connection relationships between each node of the credit account tree.
5. A credit line management system, the system comprising:
the credit line account acquisition unit is used for acquiring a credit line account corresponding to the user information according to the user information, wherein the user information corresponds to a unique credit line account;
the node credit limit acquisition unit is used for acquiring a credit limit corresponding to each node in a credit account tree based on the user information, the credit limit account number and a preset credit limit calculation strategy in each node in the credit account tree, wherein the credit account tree is in one-to-one correspondence with the credit limit account number, and the credit account tree is constructed in advance;
and the total credit limit acquisition unit is used for acquiring the total credit limit of the credit account tree according to the credit limit corresponding to each node and the credit account tree.
6. The system of claim 5, further comprising:
and the total credit limit uploading unit is used for uploading the total credit limit of the credit account tree to a credit limit adjusting system, wherein the credit limit adjusting system is used for adjusting the user credit limit corresponding to the user information.
7. The system of claim 5, further comprising:
and the credit account tree adjusting unit is used for adjusting the structure of the credit account tree and a preset credit limit calculation strategy in each node of the adjusted credit account tree when the credit limit management system adds a new credit limit type.
8. The system of claim 5, further comprising:
the credit account tree construction unit is used for determining child nodes and root nodes of the credit account tree based on the credit limit type of the credit limit management system;
determining a connection relationship between each node of the credit account tree according to the relationship between the credit limit types;
constructing the credit account tree based on child nodes, root nodes, and connection relationships between each node of the credit account tree.
9. An electronic device, comprising:
a processor;
a memory for storing processor-executable instructions;
wherein the processor is configured to invoke the memory-stored instructions to perform the method of any of claims 1 to 4.
10. A computer readable storage medium having computer program instructions stored thereon, which when executed by a processor implement the method of any one of claims 1 to 4.
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| CN109767129A (en) * | 2019-01-15 | 2019-05-17 | 蔷薇智慧科技有限公司 | A kind of line of credit control method and device |
| CN111708849A (en) * | 2020-06-18 | 2020-09-25 | 北京同邦卓益科技有限公司 | Data management method, device, equipment and storage medium |
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| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN109767129A (en) * | 2019-01-15 | 2019-05-17 | 蔷薇智慧科技有限公司 | A kind of line of credit control method and device |
| CN111708849A (en) * | 2020-06-18 | 2020-09-25 | 北京同邦卓益科技有限公司 | Data management method, device, equipment and storage medium |
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