CN113724067A - Receiving method, storage medium and device - Google Patents
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Abstract
The invention relates to the field of financial bad asset collection, and particularly discloses a collection method, a storage medium and equipment, wherein the method comprises the following steps: acquiring client information of overdue clients; based on the acquired client information of the overdue client, the payment willingness and payment capacity of the overdue client are evaluated; determining the client type of the corresponding overdue client according to the evaluation result of the evaluation step; matching a corresponding collection urging strategy according to the client type corresponding to the overdue client; and according to the collection-urging strategy, collecting overdue clients. Carry out a reasonable aassessment to overdue customer through these two characteristics of repayment wish and repayment ability in this application to the evaluation result according to these two characteristics is to finding with overdue customer assorted customer type, remove to match the strategy of urging receipt that corresponds according to the customer type of difference and urge receipt, realized the rationalization distribution to the strategy of urging receipt of different customers, and then improve the efficiency of urging receipt.
Description
Technical Field
The invention relates to the field of financial bad asset collection, in particular to a collection method, a storage medium and equipment.
Background
Currently, for the common credit business in the industry, the collection urging means generally adopted are manual collection urging, short message collection urging, telephone recording collection urging and the like. The post-loan collection urging strategy mainly aims at payment reminding and collection urging of overdue customers, the collection urging efficiency is maximized by reasonable collection urging cost, and customer experience is improved.
The current general mode is to make a credit card (C card), group the customers according to the credit result, adopt low-cost credit means such as short message reminding, intelligent voice credit and the like for the high credit customer group, and adopt high-cost credit means such as manual electric credit, litigation credit and home credit and the like for the low credit customer group. Most organizations develop corresponding strategies based on the output scores, such as high-grade customers, reducing the collection hastening frequency or adopting a low-cost collection hastening mode, and the low-grade customers can strengthen collection hastening means. However, in reality, the overdue types corresponding to the clients are many, the payment urging strategy cannot be well distributed only by rating the clients, the overdue clients are not targeted, the good payment urging effect cannot be achieved, and meanwhile the payment urging efficiency can be greatly reduced. For example, when the score of overdue customers is high, but the customers are unwilling to pay, if only the customers are charged with low cost like a high-score customer group, the overdue customers are likely to be impressed with less positive money, so that the decision of not paying the loan is increased, the charging job cannot be promoted, and the charging efficiency is greatly reduced.
Therefore, a method, a storage medium, and a device for hastening receipts are needed to rationalize hastening receiving strategies of different customers, so as to improve the hastening receiving efficiency and the customer experience.
Disclosure of Invention
The invention aims to provide an acquisition promoting method, a storage medium and equipment, which are used for realizing rationalization of acquisition promoting strategies of different customers and further improving acquisition promoting efficiency.
In order to achieve the purpose, the technical scheme of the invention provides a catalytic recovery method, which comprises the following steps:
a step of acquiring customer information, namely acquiring the customer information of overdue customers;
the method comprises the steps of evaluating the repayment willingness and the repayment capacity of an overdue client based on acquired client information of the overdue client;
confirming the client type, and determining the client type of the corresponding overdue client according to the evaluation result of the evaluation step;
matching a collection urging strategy, namely matching a corresponding collection urging strategy according to the client type corresponding to the overdue client;
and a step of hastening the collection, which is to hasten the collection of overdue customers according to a hastening strategy.
The principle and the effect of the scheme are as follows: after the client information of the overdue client is acquired, reasonable evaluation is conducted on the payment willingness and the payment capability of the overdue client according to the client information, the client types of the overdue client are matched according to the evaluation results of the two characteristics of the payment willingness and the payment capability, then an income hastening strategy used by the overdue client is determined according to the matched client types, and the overdue client is hasten through the determined income hastening strategy.
Carry out a reasonable aassessment to overdue customer through these two characteristics of repayment wish and repayment ability in this application, and according to the evaluation result of these two characteristics to finding with overdue customer assorted customer type, the analysis to overdue customer's multidimension has been realized, go to match the strategy of urging receipt that corresponds according to the customer type of difference in addition and urge receipt, different overdue customers correspond different strategies of urging receipt, make the distribution of different overdue customer's differentiation strategy of urging receipt, and then realized the rationalization distribution to different customer's the strategy of urging receipt, and then improve the efficiency of urging receipt.
Further, the client information comprises repayment capacity factor information and repayment willingness factor information, and the repayment capacity factor information comprises whether housing exists or not, personal monthly income, personal financial state, family monthly income, multi-head loan, graduate colleges, industry engagement and working years; the repayment willingness factor information comprises loan application records, loan balance, repayment behavior habits, occupation, pedestrian digital interpretation scores, credit investigation records, historical overdue information and acceptance records.
The diversification of the correspondingly collected information can bring more and more comprehensive data support for the later evaluation, so that the evaluation result is more scientific and complete.
Further, the evaluating step includes:
a repayment intention evaluation step, namely calculating a repayment intention score of the overdue client by using a repayment intention evaluation model according to the repayment intention factor information of the overdue client, judging whether the repayment intention score is larger than a designated intention threshold value, if so, judging that the overdue client is a high repayment intention client, and if not, judging that the overdue client is a low repayment intention client;
a repayment capacity evaluation step, namely calculating a repayment capacity score of the overdue customer by using a repayment capacity evaluation model according to the repayment capacity factor information of the overdue customer; and judging whether the repayment capacity score is larger than a specified capacity threshold value, if so, judging that the overdue client is the client with high repayment capacity, and if not, judging that the overdue client is the client with low repayment capacity.
Different assessment models are used for assessing repayment willingness and repayment capacity, analysis on multi-dimensional information of overdue customers is achieved, the overdue conditions of the overdue customers can be known as much as possible when the overdue customers are urged to receive, and communication between the urging parties and the overdue customers is facilitated.
Further, the client type confirming step includes:
respectively acquiring an evaluation result in the repayment willingness evaluation step and an evaluation result in the repayment capacity evaluation step;
and calling a determination strategy for determining the client type according to the combined result of the evaluation result in the repayment willingness evaluation step and the evaluation result in the repayment capacity evaluation step to determine the client type of the overdue client.
And after the repayment willingness and the repayment capacity are evaluated, the client type corresponding to the overdue client is determined, so that the subsequent determination of the collection urging strategy is more targeted.
Further, the client types are divided into four types, namely a type A client, a type B client, a type C client and a type D client, wherein the type A client is a client with high repayment willingness and high repayment capacity, the type B client is a client with low repayment willingness and high repayment capacity, the type C client is a client with low repayment willingness and low repayment capacity, and the type D client is a client with high repayment willingness and low repayment capacity.
The client types are divided into four types, the classification basis is the level of the repayment intention and the level of the repayment capacity, the client types are defined comprehensively through the judgment of the levels of the two characteristics, the real situation of overdue clients of the corresponding types can be reflected more convincingly through a combination mode, meanwhile, the level of the repayment intention and the level of the repayment capacity are judged, and the client types are combined to realize various combinations, so that the whole collection hastening principle is more refined.
Further, the hasty strategy matching step comprises:
acquiring a client type corresponding to an overdue client;
and calling an association strategy for associating the client type with the corresponding collection strategy according to the client type, and matching the collection strategy corresponding to the client type.
The invention also provides a catalyst device comprising a processor and a memory configured to store computer executable instructions which, when executed, use the processor to implement the steps of the catalyst method described above.
The invention also provides a collection-urging storage medium for storing computer-executable instructions, which when executed implement the steps of the collection-urging method.
Drawings
FIG. 1 is a flow chart of a catalytic recovery method according to an embodiment of the present invention.
Detailed Description
The following is further detailed by way of specific embodiments:
example one
An embodiment substantially as shown in figure 1: a catalytic recovery process comprising the steps of:
a step of acquiring customer information, namely acquiring the customer information of overdue customers; the client information comprises repayment capacity factor information and repayment willingness factor information, wherein the repayment capacity factor information comprises whether housing exists or not, personal monthly income, personal financial state, family monthly income, multi-head loan, graduation colleges, engaged industries and working years; the repayment willingness factor information comprises loan application records, loan balance, repayment behavior habits, occupation, pedestrian digital interpretation scores, credit investigation records, historical overdue information and acceptance records.
In particular embodiments, personal monthly average revenue refers to the average revenue per month for an overdue customer; the personal financial state refers to deposit information, arrearage information, loan information, repayment information and the like of overdue clients; the payment behavior habit refers to how overdue customers like to pay in a payment mode and when the payment is generally made in the payment deadline; the credit information refers to personal credit information generated by overdue clients in the use of each service platform.
And evaluating the repayment willingness and the repayment capacity of the overdue client based on the acquired client information of the overdue client.
In this embodiment, the evaluating step includes:
a repayment intention evaluation step, namely calculating a repayment intention score of the overdue client by using a repayment intention evaluation model according to the repayment intention factor information of the overdue client, judging whether the repayment intention score is larger than a designated intention threshold value, if so, judging that the overdue client is a high repayment intention client, and if not, judging that the overdue client is a low repayment intention client;
and a repayment capacity evaluation step, namely calculating the repayment capacity score of the overdue customer by using a repayment capacity evaluation model according to the repayment capacity factor information of the overdue customer. And judging whether the repayment capacity score is larger than a specified capacity threshold value, if so, judging that the overdue client is the client with high repayment capacity, and if not, judging that the overdue client is the client with low repayment capacity.
In this embodiment, both the repayment intention assessment model and the repayment ability assessment model are BP neural network models, a BP neural network technology is used for judging the repayment ability level and the repayment intention level of an overdue client, specifically, a three-layer BP neural network model is constructed in advance and comprises an input layer, a hidden layer and an output layer, and in this embodiment, the repayment intention assessment model performs the determination on the repayment ability level and the repayment intention level of an overdue clientThe input layer is the loan application record, the loan balance, the repayment behavior habit, the occupation, the personal digital interpretation score, the credit investigation record, the historical overdue information and the acceptance record, so that the input layer has 8 nodes, and the output corresponds to the prediction of the repayment willingness, so that 1 node is total, and aiming at the hidden layer, the following formula is used in the embodiment to determine the number of the hidden layer nodes:
where l is the number of nodes of the hidden layer, n is the number of nodes of the input layer, m is the number of nodes of the output layer, and a is a number between 1 and 10, which is taken as 6 in this embodiment, so that the hidden layer has 9 nodes in total.
Similarly, the input layer corresponding to the repayment capacity evaluation model is whether living houses exist or not, personal monthly income, personal financial status, family monthly income, multi-head loan, graduate colleges, industry engagement and working years, the input layer is also 8 nodes, and the input layer corresponds to prediction of repayment capacity, so that 1 node is total, and for the hidden layer, the following formula is used for determining the number of hidden layer nodes in the embodiment:
where l is the number of nodes of the hidden layer, n is the number of nodes of the input layer, m is the number of nodes of the output layer, and a is a number between 1 and 10, which is taken as 5 in this embodiment, so that the hidden layer has 8 nodes in total. BP neural networks typically employ Sigmoid differentiable functions and linear functions as the excitation function of the network. The S-type tangent function tansig is chosen herein as the excitation function for hidden layer neurons. The prediction model selects an S-shaped logarithmic function tansig as an excitation function of neurons of an output layer. After the BP network model is built, the model is trained by using the repayment ability scoring record and the repayment willingness scoring record of overdue clients in the previous historical information base as samples, and a more accurate evaluation result can be obtained through the model obtained after scoring training is completed.
And confirming the client type, and determining the client type of the corresponding overdue client according to the evaluation result of the evaluation step.
In this embodiment, the step of confirming the client type specifically includes: respectively acquiring an evaluation result in the repayment willingness evaluation step and an evaluation result in the repayment capacity evaluation step;
and calling a determination strategy for determining the client type according to the combined result of the evaluation result in the repayment willingness evaluation step and the evaluation result in the repayment capacity evaluation step to determine the client type of the overdue client.
The client types comprise four types, namely type A clients, type B clients, type C clients and type D clients, the type A clients are clients with high repayment willingness and high repayment capacity, the type B clients are clients with low repayment willingness and high repayment capacity, the type C clients are clients with low repayment willingness and low repayment capacity, and the type D clients are clients with high repayment willingness and low repayment capacity.
For example, when the overdue client is a first client, the repayment capacity factor information of the first client is input into the repayment capacity evaluation model, the repayment willingness factor information of the first client is input into the repayment willingness evaluation model, when the output results are respectively a low repayment willingness client and a high repayment capacity client, the two obtained results are combined to obtain the first client with low repayment willingness and high repayment capacity, and the corresponding client type is matched to the B-type client according to the combined result.
And matching the collection urging strategy, namely matching the corresponding collection urging strategy according to the client type corresponding to the overdue client.
In this embodiment, the matching step of the collection policy specifically includes obtaining a client type corresponding to the overdue client;
and calling an association strategy for associating the client type with the corresponding collection strategy according to the client type, and matching the collection strategy corresponding to the client type.
The method comprises the following steps that an acceptance-urging strategy comprises an acceptance-urging mode of adopting short messages, intelligent voice and manual reminding for class A customers; when the class B client is not effective in collection prompting in the short message prompting and manual prompting modes, the frequency of manual prompting is improved and the collection prompting is carried out on the door; when the class C client is not effective in collection urging by adopting a short message reminding and manual reminding mode, the frequency of manual reminding is increased, and then litigation collection urging is carried out if no response is given for a long time; the method is characterized in that the D-class clients are prompted to collect in a short message reminding and manual reminding mode, client delay and extension are carried out on the clients with debt crisis in a short period, and the clients are prompted to follow in time after the repayment capacity of the clients is improved.
The specific receiving-urging strategy in this embodiment is:
for the class A customers, the means of urging collection adopts short messages, intelligent voice and manual reminding; the specific flow is that short messages and intelligent voice are used for reminding the user in parallel within 1 to 3 days; artificially electrically awaking the inventor after more than 3 days.
For the class B customers, the means of urging receipts adopt short messages, intelligent voice, manual reminding and home urging receipts; the specific flow is that the manual reminding is influenced after 1 to 3 days, and the short message reminding is synchronously sent; the loan payment is artificially reinforced and hasten after 3 to 10 days, the frequency is properly increased, and the loan payment will be promoted by timely communicating with the loan bank; more than 10 days after the expiration, the method is combined with civilized visit verification.
For the C-class clients, the means of urging the clients to accept adopt short messages, manual reminding and litigation urging; the specific flow is that short messages and artificial electrocatalysis are closely connected after 1 to 3 days; the communication frequency is promoted by manual electric catalysis more than 3 days after expiration, and the loan repayment capability is communicated with customers in time; more than 30 days, litigation is required to be accessed to timely remedy damage.
For D-type customers, the means of collection is short messages, manual reminding and postponing the extension; the specific flow is that short messages are sent after 1 to 3 days, and people are reminded in parallel by manual electrocatalysis; and (3) the debt paying capability of the client is known after more than 3 days, the debt crisis client and the client negotiation in a short period is delayed, and the client is electrically promoted to follow up after the repayment capability of the client is improved.
And a step of hastening the collection, which is to hasten the collection of overdue customers according to a hastening strategy. And (4) performing collection urging according to the corresponding collection urging strategy and the collection urging flow.
Example two
Compared with the first embodiment, the present embodiment further includes the following steps:
matching the identity of the overdue client to obtain the identity type of the overdue client;
matching a busy time period and an idle time period of the overdue client in one day according to the identity type of the overdue client;
and selecting different time periods to collect the overdue clients according to the client types corresponding to the overdue clients.
For overdue clients of different client types, the identity types of the overdue clients are identified and matched, busy time periods and idle time periods of the overdue clients in one day are obtained through the identity types of the overdue clients, different client types are called to accept in different time periods, particularly for the overdue clients with high willingness to pay, such as type A clients and type D clients, the overdue clients can be called to accept in the idle time periods of loans, and for the overdue clients with low willingness to pay, such as type B clients and type C clients, the overdue clients can be called to accept in the busy time periods of loans.
For example, the identity type of the overdue client A is office class, so that when the client A is identified as office class, according to the identity type, a busy time period is matched from nine am to six pm in the day of the client A, an idle time period is matched from six pm to 12 pm in the night of the client A, when the class A client or the class D client is used as the class A client, the corresponding collection urging strategy is used for collection urging the class A client in the idle time period from six pm to 12 pm, when the class A is a class B client or a class C client, the corresponding collection urging strategy for the class A is selected to be used for collection urging work in a busy time period from nine am to six pm, if the first is in a meeting and receives the call for collection suddenly, the leaders feel that the leaders feel bad, the first feels that the overdue payment cost is too high, and the willingness of payment of the first is increased and even the payment is made as soon as possible.
In this way, the clients with low repayment will be greatly reduced, because the cost brought by delayed non-repayment will be too high for the clients with low repayment will be considered, and the cost is not necessary, so that the number of people who do not want to repayment can be reduced for the whole loan platform, the platform can be well managed, meanwhile, the clients with high repayment will feel that the whole system is humanized by adopting a mode of carrying out hastening receipts in different time periods through different repayment intentions, the clients who want to repayment will come from the platform to carry out loan, the clients with low repayment will feel that the loan platform is not well confused, and the corresponding cost is too high, so that the repayment intentions of the clients of the type are increased.
The above are merely examples of the present invention, and the present invention is not limited to the field related to this embodiment, and the common general knowledge of the known specific structures and characteristics in the schemes is not described herein too much, and those skilled in the art can know all the common technical knowledge in the technical field before the application date or the priority date, can know all the prior art in this field, and have the ability to apply the conventional experimental means before this date, and those skilled in the art can combine their own ability to perfect and implement the scheme, and some typical known structures or known methods should not become barriers to the implementation of the present invention by those skilled in the art in light of the teaching provided in the present application. It should be noted that, for those skilled in the art, without departing from the structure of the present invention, several changes and modifications can be made, which should also be regarded as the protection scope of the present invention, and these will not affect the effect of the implementation of the present invention and the practicability of the patent. The scope of the claims of the present application shall be determined by the contents of the claims, and the description of the embodiments and the like in the specification shall be used to explain the contents of the claims.
Claims (8)
1. A catalytic recovery method is characterized by comprising the following steps:
a step of acquiring customer information, namely acquiring the customer information of overdue customers;
the method comprises the steps of evaluating the repayment willingness and the repayment capacity of an overdue client based on acquired client information of the overdue client;
confirming the client type, and determining the client type of the corresponding overdue client according to the evaluation result of the evaluation step;
matching a collection urging strategy, namely matching a corresponding collection urging strategy according to the client type corresponding to the overdue client;
and a step of hastening the collection, which is to hasten the collection of overdue customers according to a hastening strategy.
2. A catalytic recovery process as claimed in claim 1, wherein: the client information comprises repayment capacity factor information and repayment willingness factor information, and the repayment capacity factor information comprises whether housing exists or not, personal monthly income, personal financial state, family monthly income, multi-head loan, graduation colleges, engaged industries and working years; the repayment willingness factor information comprises loan application records, loan balance, repayment behavior habits, occupation, pedestrian digital interpretation scores, credit investigation records, historical overdue information and acceptance records.
3. A catalytic recovery process as claimed in claim 2, wherein: the evaluating step includes:
a repayment intention evaluation step, namely calculating a repayment intention score of the overdue client by using a repayment intention evaluation model according to the repayment intention factor information of the overdue client, judging whether the repayment intention score is larger than a designated intention threshold value, if so, judging that the overdue client is a high repayment intention client, and if not, judging that the overdue client is a low repayment intention client;
a repayment capacity evaluation step, namely calculating a repayment capacity score of the overdue customer by using a repayment capacity evaluation model according to the repayment capacity factor information of the overdue customer; and judging whether the repayment capacity score is larger than a specified capacity threshold value, if so, judging that the overdue client is the client with high repayment capacity, and if not, judging that the overdue client is the client with low repayment capacity.
4. A catalytic harvesting process according to claim 3, characterized in that: the client type confirming step includes:
respectively acquiring an evaluation result in the repayment willingness evaluation step and an evaluation result in the repayment capacity evaluation step;
and calling a determination strategy for determining the client type according to the combined result of the evaluation result in the repayment willingness evaluation step and the evaluation result in the repayment capacity evaluation step to determine the client type of the overdue client.
5. A catalytic harvesting process according to claim 4, characterized in that: the client types are divided into four types of A type clients, B type clients, C type clients and D type clients, the A type clients are clients with high repayment willingness and high repayment capacity, the B type clients are clients with low repayment willingness and high repayment capacity, the C type clients are clients with low repayment willingness and low repayment capacity, and the D type clients are clients with high repayment willingness and low repayment capacity.
6. A catalytic harvesting process according to claim 5, characterized in that: the collection urging strategy matching step comprises the following steps:
acquiring a client type corresponding to an overdue client;
and calling an association strategy for associating the client type with the corresponding collection strategy according to the client type, and matching the collection strategy corresponding to the client type.
7. An incoming storage medium storing computer-executable instructions, comprising: the computer executable instructions, when executed, implement the catalysis of any of the above claims 1 to 6.
8. A catalysis harvesting equipment which is characterized in that: comprising a processor and a memory configured to store computer-executable instructions that, when executed by the processor, implement the catalysis of any of the above claims 1-6.
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Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN115271922A (en) * | 2022-08-02 | 2022-11-01 | 零犀(北京)科技有限公司 | Method, device, system and storage medium for obtaining target user |
| CN115660816A (en) * | 2022-11-10 | 2023-01-31 | 杭州度言软件有限公司 | Distribution method and system for collection-urging case and computer readable storage medium |
| CN115660811A (en) * | 2022-11-07 | 2023-01-31 | 杭州度言软件有限公司 | Asset management method for improving recovery rate of consumption financial overdue assets |
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Application publication date: 20211130 |