CN113888312A

CN113888312A - Method, device, electronic equipment and medium for determining business quota

Info

Publication number: CN113888312A
Application number: CN202111205610.1A
Authority: CN
Inventors: 杨国泉; 岳峒; 夏曙东; 邓伟; 孙智彬; 张志平
Original assignee: Jiangsu Zhongjiao Chewang Technology Co ltd
Current assignee: Jiangsu Zhongjiao Chewang Technology Co ltd
Priority date: 2021-10-15
Filing date: 2021-10-15
Publication date: 2022-01-04

Abstract

The application discloses a method, a device, electronic equipment and a medium for determining business quota. In the method and the device, after the limit query request sent by the target object is obtained, the business parameters corresponding to the target object are collected based on the limit query request, the business parameters correspond to enterprise data and tax data, and the business parameters are input to a preset business limit measuring and calculating model to obtain the business limit data corresponding to the target object. By applying the technical scheme of the application, the enterprise data and the tax data of the enterprise object which are acquired automatically can be measured and calculated through the pre-generated business credit calculation model, so that the business credit of the object can be automatically determined. Therefore, the purpose of rapidly measuring and calculating the business credit line under the condition that the staff does not need to collect the enterprise associated data online is achieved.

Description

Method, device, electronic equipment and medium for determining business quota

Technical Field

The present application relates to data processing technologies, and in particular, to a method, an apparatus, an electronic device, and a medium for determining a service quota.

Background

In the related art, in the loan service for the enterprise object, the credit line is generally determined by the platform staff to perform offline investigation and risk assessment and measurement on the operation condition, operation flow, credit condition and repayment capacity of the enterprise object, so as to obtain the credit line.

However, the conventional method for measuring and calculating credit line usually has the problems that the workload of offline manual investigation is large, the investigation takes a long time, the workload of platform staff is increased, and the financing business handling efficiency is influenced.

Disclosure of Invention

The embodiment of the application provides a method, a device, electronic equipment and a medium for determining a business quota. The method is used for solving the problem of low business efficiency caused by the fact that in the related technology, a worker needs to collect the associated data of the enterprise object offline so as to measure and calculate the credit line.

According to an aspect of the embodiments of the present application, a method for determining a service quota includes:

acquiring a limit inquiry request sent by a target object;

acquiring business parameters corresponding to the target object based on the limit inquiry request, wherein the business parameters correspond to enterprise data and tax data;

and inputting the service parameters into a preset service limit measuring and calculating model to obtain service limit data corresponding to the target object.

Optionally, in another embodiment based on the foregoing method of the present application, after the obtaining the quota inquiry request sent by the target object, the method further includes:

detecting whether a limit inquiry request sent by the target object is received for the first time;

if yes, acquiring business parameters corresponding to the target object from the registration data input by the target object;

if not, acquiring the service parameters corresponding to the target object from the historical service data.

Optionally, in another embodiment based on the method of the present application, the inputting the service parameter into a preset service quota calculating model to obtain service quota data corresponding to the target object includes:

inputting business parameters corresponding to the tax data into the business quota measuring and calculating model, and determining the enterprise scale corresponding to the target object;

determining initial business limit data associated with the enterprise scale according to a preset initial limit association table;

and obtaining the service limit data corresponding to the target object according to the initial service limit data.

inputting business parameters corresponding to the enterprise data into the business quota measuring and calculating model to obtain consumption quota, asset quota and management user quota corresponding to the target object;

and determining business limit data corresponding to the target object according to the consumption limit, the asset limit and the management user limit.

Optionally, in another embodiment based on the foregoing method of the present application, the obtaining of the consumption amount, the asset amount, and the management user amount corresponding to the target object includes:

obtaining the consumption amount based on consumption data of the target object in a first historical time period; and the number of the first and second groups,

obtaining the asset limit based on the asset list to which the target object belongs and the corresponding asset configuration price table; and the number of the first and second groups,

and obtaining the limit of the management user based on the financial data of the management user related to the target object.

Optionally, in another embodiment based on the foregoing method of the present application, the determining, according to the consumption amount, the asset amount, and the management user amount, service amount data corresponding to the target object includes:

respectively acquiring a first weight coefficient corresponding to the consumption quota, a second weight coefficient corresponding to the asset quota and a third weight coefficient corresponding to the management user quota;

calculating to obtain initial service quota data according to a first weight coefficient corresponding to the consumption quota and a second weight coefficient corresponding to the asset quota;

and determining the business limit data corresponding to the target object based on the initial business limit data and the management user limit.

detecting whether the target object is located in a blacklist user;

if not, acquiring the service parameters corresponding to the target object based on the limit inquiry request.

According to another aspect of the embodiments of the present application, there is provided an apparatus for determining a service quota, including:

the acquisition module is configured to acquire a quota inquiry request sent by a target object;

the acquisition module is configured to acquire business parameters corresponding to the target object based on the limit inquiry request, wherein the business parameters correspond to enterprise data and tax data;

and the determining module is configured to input the service parameters into a preset service quota measuring and calculating model to obtain service quota data corresponding to the target object.

According to another aspect of the embodiments of the present application, there is provided an electronic device including:

a memory for storing executable instructions; and

and the display is used for displaying with the memory to execute the executable instructions so as to complete the operation of any one of the methods for determining the service quota.

According to a further aspect of the embodiments of the present application, there is provided a computer-readable storage medium for storing computer-readable instructions, which when executed perform the operations of any one of the above methods for determining a business value unit.

In the method and the device, after the limit query request sent by the target object is obtained, the business parameters corresponding to the target object are collected based on the limit query request, the business parameters correspond to enterprise data and tax data, and the business parameters are input to a preset business limit measuring and calculating model to obtain the business limit data corresponding to the target object. By applying the technical scheme of the application, the enterprise data and the tax data of the enterprise object which are acquired automatically can be measured and calculated through the pre-generated business credit calculation model, so that the business credit of the object can be automatically determined. Therefore, the purpose of rapidly measuring and calculating the business credit line under the condition that the staff does not need to collect the enterprise associated data online is achieved.

The technical solution of the present application is further described in detail by the accompanying drawings and examples.

Drawings

The accompanying drawings, which are incorporated in and constitute a part of this specification, illustrate embodiments of the application and together with the description, serve to explain the principles of the application.

The present application may be more clearly understood from the following detailed description with reference to the accompanying drawings, in which:

FIG. 1 is a schematic diagram of a method for determining a business quota according to the present application;

FIG. 2 is a schematic diagram of an application scenario for implementing a method for determining a service quota according to the present application;

FIG. 3 is a schematic structural diagram of an electronic device for determining a business quota according to the present application;

fig. 4 is a schematic structural diagram of an electronic device for determining a service quota according to the present application.

Detailed Description

Various exemplary embodiments of the present application will now be described in detail with reference to the accompanying drawings. It should be noted that: the relative arrangement of the components and steps, the numerical expressions, and numerical values set forth in these embodiments do not limit the scope of the present application unless specifically stated otherwise.

Meanwhile, it should be understood that the sizes of the respective portions shown in the drawings are not drawn in an actual proportional relationship for the convenience of description.

The following description of at least one exemplary embodiment is merely illustrative in nature and is in no way intended to limit the application, its application, or uses.

Techniques, methods, and apparatus known to those of ordinary skill in the relevant art may not be discussed in detail but are intended to be part of the specification where appropriate.

It should be noted that: like reference numbers and letters refer to like items in the following figures, and thus, once an item is defined in one figure, further discussion thereof is not required in subsequent figures.

In addition, technical solutions between the various embodiments of the present application may be combined with each other, but it must be based on the realization of the technical solutions by a person skilled in the art, and when the technical solutions are contradictory or cannot be realized, such a combination of technical solutions should be considered to be absent and not within the protection scope of the present application.

It should be noted that all the directional indicators (such as upper, lower, left, right, front and rear … …) in the embodiment of the present application are only used to explain the relative position relationship between the components, the motion situation, etc. in a specific posture (as shown in the drawings), and if the specific posture is changed, the directional indicator is changed accordingly.

The following describes a method for determining a business quota according to an exemplary embodiment of the present application with reference to fig. 1-2. It should be noted that the following application scenarios are merely illustrated for the convenience of understanding the spirit and principles of the present application, and the embodiments of the present application are not limited in this respect. Rather, embodiments of the present application may be applied to any scenario where applicable.

The application also provides a method, a device, electronic equipment and a medium for determining the business quota.

Fig. 1 schematically shows a flow chart of a method for determining a business quota according to an embodiment of the present application. As shown in fig. 1, the method includes:

s101, obtaining a quota inquiry request sent by a target object.

The target object can be a user who initiates a quota inquiry application on an application program or a service platform. In one approach, the target object may correspond to an enterprise user or may correspond to an individual user. In addition, the number of target objects is not limited in the present application, and may be, for example, one or a plurality of target objects.

In one way, before the target object sends the credit line query request, the application or service platform receiving the credit line query request needs to first lift the registration application. It is understood that the registration application includes all the identity information, attribute information, asset information, liability information, and all the information required for applying the credit to be checked, etc. of the target object.

S102, acquiring business parameters corresponding to the target object based on the limit inquiry request, wherein the business parameters correspond to enterprise data and tax data.

Wherein, after receiving the quota inquiry request of the target object, in order to determine the service quota of the object. The application needs to collect the business parameters of the target object corresponding to the enterprise data and the tax data so as to determine the business limit for the target object according to the business parameters.

It should be noted that, in the process of collecting the service parameter corresponding to the target object, in one manner, it may also be detected whether the object is a user who first raises the quota inquiry request. It will be appreciated that if so, registration data for the target object is collected so that corresponding business parameters are subsequently extracted from the registration data. If not, extracting the corresponding service parameters according to the historical information.

Further, the present application does not specifically limit the service parameters, and may include, for example, all identity information, attribute information, asset information, liability information, credit data, business data, and all information required for applying for credit that needs to be checked, and the like of the target object.

In one approach, the asset information may be asset information related to the vehicle. Including, for example, vehicle assets under the owner name; acquiring a truck oil consumption bill record Oi within about three months of a truck owner; acquiring a truck passing fee bill record Ri of a vehicle owner in nearly three months; acquiring a maintenance guarantee expense bill record Mi of an owner vehicle; and calculating the consumption amount of the enterprise vehicle and the like according to the consumption data.

S103, inputting the service parameters into a preset service quota measuring model to obtain service quota data corresponding to the target object.

Furthermore, after the business parameters of the target object are obtained, the business parameters can be substituted into a business quota measuring model generated in advance, and then the business quota data corresponding to the target object is determined according to the data output by the model.

In one approach, as shown in fig. 2, the target object is taken as an enterprise object for illustration, which includes the following steps:

step one, an evaluation server receives a limit inquiry request submitted by an enterprise object utilization limit inquiry client;

step two, judging whether the enterprise object is registered for the first time by the evaluation server;

acquiring registration data of the enterprise object if the registration data is positive, and calling enterprise data and tax data corresponding to the enterprise object according to the historical limit authorization data if the registration data is negative; the enterprise data includes identity data, credit investigation data, business data, vehicle data and the like.

Step four, bringing the enterprise data and the tax data into an enterprise credit calculation model, and calculating the final credit line of the enterprise object; and transmitting the tax data to the tax unit so that the tax unit can carry out credit collection, record service supervision and other works.

And step five, sending the final credit line to a financial service company so as to send the fund to the enterprise object after returning and lending the fund.

Optionally, in another embodiment based on the foregoing method of the present application, after obtaining the quota inquiry request sent by the target object, the method further includes:

detecting whether a limit inquiry request sent by a target object is received for the first time;

In one way, the embodiment of the application may further detect whether the object is a user who first raises the quota inquiry request. It will be appreciated that if so, registration data for the target object is collected so that corresponding business parameters are subsequently extracted from the registration data. If not, extracting the corresponding service parameters according to the historical information.

inputting business parameters corresponding to the tax data into a business quota measuring and calculating model, and determining the enterprise scale corresponding to the target object;

and obtaining the service quota data corresponding to the target object according to the initial service quota data.

In one mode, after the business parameters corresponding to the tax data are obtained, the enterprise operation scale can be obtained through calculation according to the tax data. Specifically, the percentage of the annual revenue due to a certain annual tax payment amount can be obtained according to the initial amount association table shown in table 1 to determine the corresponding enterprise scale:

TABLE 1 initial basic credit line INL predefined matrix table

Further, the tax data can be used for calculating the operation scale of the target object, and can also be used for sending to the tax part to determine whether the tax data is real data or not by the tax department and performing the functions of filing and supervision in the tax department. The enterprise operation scale refers to the income of an enterprise in a specified period.

inputting business parameters corresponding to the enterprise data into a business quota measuring and calculating model to obtain consumption quota, asset quota and management user quota corresponding to the target object;

Optionally, in another embodiment based on the foregoing method of the present application, obtaining the consumption amount, the asset amount, and the management user amount corresponding to the target object includes:

obtaining a consumption amount based on consumption data of the target object in a first historical time period; and the number of the first and second groups,

acquiring an asset limit based on an asset list to which the target object belongs and a corresponding asset configuration price table; and the number of the first and second groups,

and obtaining the limit of the management user based on the financial data which the management user related to the target object belongs to.

The method of inputting the service parameters into the preset service limit calculation model to obtain the service limit data corresponding to the target object can be divided into three types, that is, the final service limit of the target object can be determined comprehensively according to the consumption limit, the asset limit and the management user limit of the target object, and the method specifically includes the following three cases:

in the first case:

for obtaining the consumption amount corresponding to the target object by inputting the business parameters corresponding to the enterprise data into the business amount measuring and calculating model, the consumption amount can be obtained according to the consumption data of the target object in the first historical time period.

In one approach, for example, the consumption data for the target object may be consumption data related to an automobile asset. Specifically, the method can include the steps of obtaining vehicle assets under the owner name of a vehicle; acquiring a truck oil consumption bill record Oi within about three months of a truck owner; acquiring a truck passing fee bill record Ri of a vehicle owner in nearly three months; and acquiring a maintenance guarantee expense bill record Mi of the vehicle owner and the like. So as to calculate the consumption amount of the target object subsequently according to the consumption data.

Wherein, the calculation formula of the consumption amount can be as follows:

and the consumption amount is sigma (Oi/actual consumption month number + Ri/actual consumption month number + Mi/actual consumption month number).

In the second case:

for obtaining the asset limit corresponding to the target object by inputting the business parameters corresponding to the enterprise data into the business limit measuring and calculating model, the asset limit can be obtained based on the asset list to which the target object belongs and the corresponding asset allocation price table.

In one approach, for example, the asset limit of the target object may be an asset limit associated with an automobile asset. Specifically, the method can include the steps of obtaining vehicle assets under the owner name of a vehicle; acquiring related data such as average driving mileage S of a vehicle owner close to a single vehicle in nearly three months, driving oil consumption V1 of an empty vehicle in hundred kilometers, driving proportion P of the empty vehicle, driving oil consumption V2 of a full vehicle in hundred kilometers and the like; and then according to the related parameters of the national average oil price OP and the like recorded in the asset allocation price table, formulating a corresponding formula together with the collected related data to obtain the asset limit of the target object.

Wherein, the asset limit calculation formula is as follows:

asset quota ∑ (S × V1/100 × OP P + S × V2 (1-P)).

In the third case:

for obtaining the management user amount corresponding to the target object by inputting the business parameters corresponding to the enterprise data into the business amount measuring and calculating model, the management user amount can be obtained based on the financial data of the management user related to the target object.

In one approach, for example, the financial data for the target object may be an asset limit associated with an automobile asset and the administrative user may be a corporate user. Specifically, the method may include surveying and obtaining related data such as a credit granting amount L, a credit contract amount LA in the last two years, and a loan number LN of a legal user with a single credit card. And finally, setting a credit amount calculation formula of the legal user according to the given open support proportion P in the research.

Wherein, the enterprise legal person assesses credit limit calculation formula:

the credit collection amount is Max (L × P, Σ LA/LN).

Optionally, in another embodiment based on the foregoing method of the present application, determining the service quota data corresponding to the target object according to the consumption quota, the asset quota, and the management user quota includes:

respectively obtaining a first weight coefficient corresponding to the consumption quota, a second weight coefficient corresponding to the asset quota and a third weight coefficient corresponding to the management user quota;

Furthermore, after the consumption amount, the asset amount and the management user amount of the target object are determined, the business amount of the target object can be determined according to the three parameters. Specifically, the initial service quota data may be obtained according to the following formula:

in one approach, the initial traffic credit is 70% (i.e., the first weighting factor) + 30% (i.e., the second weighting factor) of the asset credit.

The first weight coefficient and the second weight coefficient are not particularly limited in the present application, and may be any numerical weight coefficients.

Further, after obtaining the initial service quota, the predefined rule table can be substituted for judgment according to the calculation results of the initial service quota VL and the management user quota CRL (table 2):

TABLE 2 quota coefficient R predefining rule table

Further, an addition and subtraction coefficient M is calculated according to the corresponding addition and subtraction term weight value (table 3);

TABLE 3 weight table of addition and subtraction terms

And calculating to obtain the final credit line FL of the enterprise. And finally, the final credit line FL calculation formula:

FL＝INL*R*(1+M)

detecting whether the target object is located in a blacklist user;

Here, the method of determining the business amount proposed in the present application will be described with respect to the target object as an enterprise object, the enterprise operation scale being 500 ten thousand, and the initial credit amount being 5 ten thousand.

The method comprises the following steps: for example, a business object has 20 vehicles, and the average oil consumption bill of each vehicle for nearly three months is

150000, a road toll of 45000 in the last trimester, and a vehicle maintenance cost of 6000 in the last trimester: the unit consumption is 150000/3+45000/3+6000/3 is 67000. Total consumption rate 67000 ═ 20 ═ 134 (ten thousand)

Step two: the empty vehicle fuel consumption per kilometer is 25L, the empty vehicle running proportion is 0.3, the full vehicle fuel consumption per kilometer is 35, and the vehicle credit is 120000/3/100, 25, 5, 0.3, 120000/3/100, 35, 5, 0.7, 64000. Total vehicle amount 64000 × 20 ═ 128 (ten thousand)

Step three: the maximum credit line of a single credit card of the legal person is 200000, the contract amount of credit loan of the last two years is 1000000, the total number of the credit card is 4, and the open ratio is 1.5: the credit limit is max (200000 × 1.5,1000000/4) 300000.

Step four: selecting weight table of addition and subtraction items to find out the poor [ car loan high ] and [ performance record ], and obtaining the addition and subtraction coefficient of-20%

Step five: the final quota is 50000 × 2 × 0.8 — 80000.

Optionally, in another embodiment of the present application, as shown in fig. 3, the present application further provides a device for determining a service quota. Which comprises the following steps:

the acquisition module 201 is configured to acquire a quota inquiry request sent by a target object;

the acquisition module 202 is configured to acquire business parameters corresponding to the target object based on the quota inquiry request, wherein the business parameters correspond to enterprise data and tax data;

the determining module 203 is configured to input the service parameters into a preset service quota calculating model, so as to obtain service quota data corresponding to the target object.

In another embodiment of the present application, the obtaining module 201 further includes:

the acquisition module 201 is configured to detect whether a quota inquiry request sent by the target object is received for the first time;

the obtaining module 201 is configured to, if yes, collect service parameters corresponding to the target object from the registration data input by the target object;

and the obtaining module 201 is configured to, if not, acquire the service parameters corresponding to the target object from the historical service data.

the obtaining module 201 is configured to input business parameters corresponding to the tax data into the business quota measuring and calculating model, and determine an enterprise scale corresponding to the target object;

the acquisition module 201 is configured to determine initial business line data associated with the enterprise scale according to a preset initial line association table;

the obtaining module 201 is configured to obtain the service quota data corresponding to the target object according to the initial service quota data.

the acquisition module 201 is configured to input the business parameters corresponding to the enterprise data into the business quota measuring and calculating model, so as to obtain the consumption quota, the asset quota and the management user quota corresponding to the target object;

the obtaining module 201 is configured to determine the business line data corresponding to the target object according to the consumption line, the asset line and the management user line.

the obtaining module 201 is configured to obtain the consumption amount based on consumption data of the target object in a first historical time period; and the number of the first and second groups,

the acquisition module 201 is configured to obtain the asset limit based on an asset list to which the target object belongs and a corresponding asset configuration price table; and the number of the first and second groups,

the obtaining module 201 is configured to obtain the quota of the management user based on the financial data to which the management user related to the target object belongs.

an obtaining module 201 configured to obtain a first weight coefficient corresponding to the consumption quota, a second weight coefficient corresponding to the asset quota, and a third weight coefficient corresponding to the management user quota, respectively;

the acquisition module 201 is configured to calculate initial service quota data according to a first weight coefficient corresponding to the consumption quota and a second weight coefficient corresponding to the asset quota;

the obtaining module 201 is configured to determine, based on the initial service amount data and the management user amount, service amount data corresponding to the target object.

an obtaining module 201 configured to detect whether the target object is located in a blacklist user;

and the obtaining module 201 is configured to collect the service parameters corresponding to the target object based on the limit inquiry request if the limit inquiry request is not received.

Fig. 4 is a block diagram illustrating a logical structure of an electronic device in accordance with an exemplary embodiment. For example, the electronic device 300 may be a mobile phone, a computer, a digital broadcast terminal, a messaging device, a game console, a tablet device, a medical device, an exercise device, a personal digital assistant, and the like.

In an exemplary embodiment, there is also provided a non-transitory computer-readable storage medium, such as a memory, including instructions executable by a processor of an electronic device to perform the method of determining a business value unit, the method including: acquiring a limit inquiry request sent by a target object; acquiring business parameters corresponding to the target object based on the limit inquiry request, wherein the business parameters correspond to enterprise data and tax data; and inputting the service parameters into a preset service limit measuring and calculating model to obtain service limit data corresponding to the target object. Optionally, the instructions may also be executable by a processor of the electronic device to perform other steps involved in the exemplary embodiments described above. For example, the non-transitory computer readable storage medium may be a ROM, a Random Access Memory (RAM), a CD-ROM, a magnetic tape, a floppy disk, an optical data storage device, and the like.

In an exemplary embodiment, an application program/computer program product is further provided, which includes one or more instructions that can be executed by a processor of an electronic device to perform the above method for determining a service credit, where the method includes obtaining a credit query request sent by a target object; acquiring business parameters corresponding to the target object based on the limit inquiry request, wherein the business parameters correspond to enterprise data and tax data; and inputting the service parameters into a preset service limit measuring and calculating model to obtain service limit data corresponding to the target object. Optionally, the instructions may also be executable by a processor of the electronic device to perform other steps involved in the exemplary embodiments described above.

Fig. 4 is an exemplary diagram of the computer device 30. Those skilled in the art will appreciate that the schematic diagram 4 is merely an example of the computer device 30 and does not constitute a limitation of the computer device 30 and may include more or less components than those shown, or combine certain components, or different components, e.g., the computer device 30 may also include input output devices, network access devices, buses, etc.

The Processor 302 may be a Central Processing Unit (CPU), other general purpose Processor, a Digital Signal Processor (DSP), an Application Specific Integrated Circuit (ASIC), a Field Programmable Gate Array (FPGA) or other Programmable logic device, discrete Gate or transistor logic, discrete hardware components, etc. The general purpose processor may be a microprocessor or the processor 302 may be any conventional processor or the like, the processor 302 being the control center for the computer device 30 and connecting the various parts of the overall computer device 30 using various interfaces and lines.

Memory 301 may be used to store computer readable instructions 303 and processor 302 may implement various functions of computer device 30 by executing or executing computer readable instructions or modules stored within memory 301 and by invoking data stored within memory 301. The memory 301 may mainly include a storage program area and a storage data area, wherein the storage program area may store an operating system, an application program required by at least one function (such as a sound playing function, an image playing function, etc.), and the like; the storage data area may store data created according to the use of the computer device 30, and the like. In addition, the Memory 301 may include a hard disk, a Memory, a plug-in hard disk, a Smart Media Card (SMC), a Secure Digital (SD) Card, a Flash Memory Card (Flash Card), at least one disk storage device, a Flash Memory device, a Read-Only Memory (ROM), a Random Access Memory (RAM), or other non-volatile/volatile storage devices.

The modules integrated by the computer device 30 may be stored in a computer-readable storage medium if they are implemented in the form of software functional modules and sold or used as separate products. Based on such understanding, all or part of the flow of the method according to the embodiments of the present invention may also be implemented by hardware related to computer readable instructions, which may be stored in a computer readable storage medium, and when the computer readable instructions are executed by a processor, the steps of the method embodiments may be implemented.

Other embodiments of the present application will be apparent to those skilled in the art from consideration of the specification and practice of the invention disclosed herein. This application is intended to cover any variations, uses, or adaptations of the invention following, in general, the principles of the application and including such departures from the present disclosure as come within known or customary practice within the art to which the invention pertains. It is intended that the specification and examples be considered as exemplary only, with a true scope and spirit of the application being indicated by the following claims.

It will be understood that the present application is not limited to the precise arrangements described above and shown in the drawings and that various modifications and changes may be made without departing from the scope thereof. The scope of the application is limited only by the appended claims.

Claims

1. A method for determining a service quota, comprising:

acquiring a limit inquiry request sent by a target object;

2. The method of claim 1, wherein after the obtaining of the request for credit limit sent by the target object, the method further comprises:

3. The method as claimed in claim 1, wherein the step of inputting the service parameters into a predetermined service credit calculation model to obtain service credit data corresponding to the target object comprises:

4. The method as claimed in claim 1 or 3, wherein the step of inputting the service parameters into a predetermined service credit calculation model to obtain service credit data corresponding to the target object comprises:

5. The method of claim 4, wherein obtaining the consumption amount, the asset amount and the management user amount corresponding to the target object comprises:

6. The method of claim 4, wherein the determining the business quota data corresponding to the target object according to the consumption quota, the asset quota, and the management user quota comprises:

7. The method of claim 1, wherein after the obtaining of the request for credit limit sent by the target object, the method further comprises:

detecting whether the target object is located in a blacklist user;

8. An apparatus for determining a credit, comprising:

9. An electronic device, comprising:

a memory for storing executable instructions; and the number of the first and second groups,

a processor for displaying with the memory to execute the executable instructions to perform the operations of the method of determining a business value unit of any one of claims 1-7.

10. A computer-readable storage medium storing computer-readable instructions that, when executed, perform the operations of the method of determining a line of business of any of claims 1-7.