CN114219627A

CN114219627A - Data processing method, device, equipment, computer storage medium and program product

Info

Publication number: CN114219627A
Application number: CN202111553990.8A
Authority: CN
Inventors: 杨欢; 何雯昊
Original assignee: CCB Finetech Co Ltd
Current assignee: CCB Finetech Co Ltd
Priority date: 2021-12-17
Filing date: 2021-12-17
Publication date: 2022-03-22

Abstract

The application discloses a data processing method, a device, equipment, a computer storage medium and a program product. The method comprises the following steps: determining a target amount and a target clause of the loan in response to a first input by the user; under the condition that the first surplus limit of the target subentry is smaller than the target limit, determining at least one first subentry according to the preset risk level sequence of all subentries; and under the condition that the total remaining amount of the at least one first subentry and the target subentry is greater than or equal to the target amount, stringing the first amount in the at least one first subentry. By adopting the data processing method, the device, the equipment, the computer storage medium and the program product, when the target amount exceeds the first residual amount of the target item, the user does not need to select the item to be stringed by himself but automatically stringed at least one first item with the risk level higher than that of the target item, so that the situation that the high-risk item is stringed and the low-risk item is not used can be avoided.

Description

Data processing method, device, equipment, computer storage medium and program product

Technical Field

The present application belongs to the field of data processing technologies, and in particular, to a data processing method, apparatus, device, computer storage medium, and program product.

Background

At present, when a user applies for a loan, if the applied amount exceeds the remaining amount of the current subentry, the user needs to select other subentries and use the remaining amount of the other subentries.

However, since the high-risk items cannot be used for stringing the low-risk items, the staff is arranged to check the application of the user, and if other items selected by the user to be used for stringing are found to have lower risk level than the current items, the items are not allowed to be used for stringing.

However, when the staff performs manual review, the error rate is high, which may cause the occurrence of a situation that part of high-risk itemized strings are low-risk itemized.

Disclosure of Invention

The embodiment of the application provides a data processing method, a data processing device, data processing equipment and a computer storage medium, and the data processing method, the data processing device and the computer storage medium can at least solve the problem that in the prior art, manual checking is performed by workers, the error rate is high, and the low-risk itemization condition for partial high-risk itemization strings can occur.

In a first aspect, an embodiment of the present application provides a data processing method, where the method includes:

determining a target amount and a target clause of the loan in response to a first input by the user;

under the condition that the first remaining quota of the target clause is smaller than the target quota, determining at least one first clause according to the preset risk level sequence of all the clauses, wherein the first clause is a higher clause than the risk level of the target clause;

under the condition that the total remaining amount of the at least one first subentry and the target subentry is greater than or equal to the target amount, the first amount in the at least one first subentry is used in series, and the first amount is the difference between the target amount and the first remaining amount.

In a second aspect, an embodiment of the present application provides a data processing apparatus, including:

the first determination module is used for responding to the first input of the user and determining the target amount and the target clause of the loan;

the second determining module is used for determining at least one first subentry according to the preset risk level sequence of all subentries under the condition that the first residual quota of the target subentry is smaller than the target quota, wherein the first subentry is a subentry with a higher risk level than the target subentry;

the serial module is used for serially using the first quota in the at least one first subentry under the condition that the total surplus quota of the at least one first subentry and the target subentry is larger than or equal to the target quota, and the first quota is the difference between the target quota and the first surplus quota.

In a third aspect, an embodiment of the present application provides an electronic device, where the device includes: a processor and a memory storing computer program instructions;

the processor, when executing the computer program instructions, implements a data processing method as shown in any of the embodiments of the first aspect.

In a fourth aspect, the present application provides a computer storage medium, on which computer program instructions are stored, and when executed by a processor, the computer program instructions implement the data processing method shown in any one of the embodiments of the first aspect.

In a fifth aspect, the present application provides a computer program product, and when executed by a processor of an electronic device, the instructions in the computer program product cause the electronic device to execute the data processing method shown in any one of the embodiments of the first aspect.

The data processing method, the data processing device, the data processing equipment and the computer storage medium of the embodiment of the application can respond to first input of a user, determine a target quota and a target clause of a loan, determine at least one first clause higher than a risk level of the target clause according to a preset risk level sequence of all the clauses under the condition that a first remaining quota of the target clause is smaller than the target quota, and then serially use the first quota in the at least one first clause under the condition that the total remaining quota of the at least one first clause and the target clause is larger than or equal to the target quota. Therefore, when the target amount exceeds the first surplus amount of the target item, the user does not need to select the item to be used in series, but automatically uses at least one first item with the risk level higher than that of the target item, and the situation that the high-risk item is used in series and the low-risk item is used is avoided.

Drawings

In order to more clearly illustrate the technical solutions of the embodiments of the present application, the drawings needed to be used in the embodiments of the present application will be briefly described below, and for those skilled in the art, other drawings can be obtained according to the drawings without creative efforts.

FIG. 1 is a flow chart of a data processing method provided by an embodiment of the present application;

FIG. 2 is a schematic representation of a risk ranking order of the subentries provided by one embodiment of the present application;

fig. 3 is a schematic structural diagram of a data processing apparatus according to an embodiment of the present application;

fig. 4 is a schematic structural diagram of an electronic device according to an embodiment of the present application.

Detailed Description

Features and exemplary embodiments of various aspects of the present application will be described in detail below, and in order to make objects, technical solutions and advantages of the present application more apparent, the present application will be further described in detail below with reference to the accompanying drawings and specific embodiments. It should be understood that the specific embodiments described herein are intended to be illustrative only and are not intended to be limiting. It will be apparent to one skilled in the art that the present application may be practiced without some of these specific details. The following description of the embodiments is merely intended to provide a better understanding of the present application by illustrating examples thereof.

It is noted that, herein, relational terms such as first and second, and the like may be used solely to distinguish one entity or action from another entity or action without necessarily requiring or implying any actual such relationship or order between such entities or actions. Also, the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising … …" does not exclude the presence of other identical elements in a process, method, article, or apparatus that comprises the element.

Fig. 1 shows a flow chart of a data processing method provided in an embodiment of the present application, and it should be noted that the data processing method may be applied to a data processing apparatus, as shown in fig. 1, the data processing method may include the following steps:

s110, responding to the first input of the user, and determining a target limit and a target subentry of the loan;

s120, under the condition that the first surplus limit of the target subentry is smaller than the target limit, determining at least one first subentry according to the preset risk level sequence of all subentries;

s130, under the condition that the total remaining amount of the at least one first subentry and the target subentry is larger than or equal to the target amount, stringing the first amount in the at least one first subentry.

Therefore, the target amount and the target clauses of the loan can be determined in response to the first input of the user, at least one first clause higher than the risk level of the target clause is determined according to the preset risk level sequence of all the clauses under the condition that the first remaining amount of the target clause is smaller than the target amount, and then the first amount in the at least one first clause is used in series under the condition that the total remaining amount of the at least one first clause and the target clause is larger than or equal to the target amount. Therefore, when the target amount exceeds the first surplus amount of the target item, the user does not need to select the item to be used in series, but automatically uses at least one first item with the risk level higher than that of the target item, and the situation that the high-risk item is used in series and the low-risk item is used is avoided.

In addition, because the automatic cluster uses the items with the risk level higher than that of the target item, data maintenance is not needed, and whether the low-risk item condition for the high-risk item cluster occurs or not is supervised.

Referring to S110, the first input may be an input for the user to enter or select a second amount and a target subentry. The target clause can be a clause that the user wants to apply for a loan, the second quota can be a quota that the user wants to apply for a loan, and the target quota can be a quota that the user needs to occupy the quota in the second quota applied by the user.

In some embodiments, the user directly inputs the amount that the user wants to loan, that is, the second amount, in order to determine whether to serially use the amount of other items, a target amount that needs to occupy the amount of the item in the second amount needs to be determined first, and in order to determine the target amount, S110 may specifically include:

determining a second amount and a target clause of the loan applied by the user in response to the first input of the user;

acquiring a guarantee amount and a risk slow-release amount corresponding to the target item;

and determining a target amount according to the second amount, the guaranteed amount and the risk slow-release amount.

Here, the second amount may be divided into a guaranteed amount, a risk sustained-release amount and a target amount, wherein the guaranteed amount and the risk sustained-release amount are paid by other methods without occupying itemized amounts, so that the guaranteed amount and the risk sustained-release amount may be subtracted from the second amount to obtain the target amount.

In some examples, the user selects the target sub-item C and applies for a loan of 150 ten thousand lines, that is, a second line, and since the amount of the deposit corresponding to the target sub-item C is 30 ten thousand and the risk slow-release line is 10 ten thousand, it can be determined that 110 ten thousand lines in the 150 ten thousand lines applied by the user need to occupy the sub-item line, that is, the target line is 110 ten thousand.

Therefore, the target quota needing to occupy the subentry quota can be determined according to the second quota input by the user through the process, so that whether quota sharing is needed or not can be conveniently judged.

Referring to S120, the first score may be a score higher than the risk level of the target score. And comparing the target quota with the first surplus quota of the target subentry, if the first surplus quota of the target subentry is smaller than the target quota, determining the quota of other subentries needing to be stringed, and because only the quota with the risk level higher than that of the target subentry can be stringed during the stringing, determining the subentry with the risk level higher than that of the target subentry, namely the first subentry, according to the preset risk level sequence of all the subentries. The preset risk level order may be an order specified by the loan institution.

In addition, if the first surplus limit of the target subentry is not less than the target quota, the first surplus limit of the target subentry can be directly occupied without stringing the quota of other subentries.

Referring to S130, the first quota may be the difference between the target quota and the first remaining quota, i.e. the quota of other items to be used in series. Here, it is necessary to first determine whether the total remaining amount of the at least one first item and the target item is greater than or equal to the target amount, and if so, concatenate the first amount in the at least one first item; if not, the user can not issue the loan, and the loan application of the user can be refused.

In some embodiments, since only the items with low risk levels and high risk levels for cluster use can be used when carrying out the cluster use, in order to avoid that the items with high risk levels are not available for cluster use with the sub-limit lines, S130 may specifically include:

according to the sequence from low to high of the preset risk level, the first quota in at least one first subentry is used in a string.

Here, in order to avoid that the subentry with higher risk level is not available for stringing together, when the quota is strung together, the first quota in at least one first subentry can be strung together in the order of preset risk level from low to high.

In some examples, the target amount is 110 ten thousand, the first remaining amount of the target item C is 70 ten thousand, the remaining amount of the first item B is 20 ten thousand, and the remaining amount of the first item a is 50 ten thousand, and since the total remaining amount of the target item C, the first item B, and the first item a is 140 ten thousand and is greater than the target amount, the amounts can be used in series, and the order of the preset risk levels from low to high can be as shown in fig. 2, and the 20 ten thousand amount in the first item B and the 20 ten thousand amount in the first item a can be used in series according to the order of the preset risk levels from low to high.

Therefore, according to the sequence from low to high of the preset risk level, the first quota in at least one first subentry is used in a string mode, and the situation that the subentry with a higher risk level has no limitation quota and can be used in a string mode is avoided to a certain extent.

In some embodiments, since it is necessary to determine whether the total remaining amount of the at least one first item and the target item is greater than or equal to the target amount, the total remaining amount needs to be calculated first, and in order to calculate the total remaining amount, before S130, the method may further include:

obtaining a second surplus limit of at least one first subentry;

and calculating the total surplus capacity according to the second surplus capacity and the first surplus capacity.

Here, the remaining amount of each sub-item is calculated every time a service is completed, so that when a new service occurs, the remaining amount of the sub-item calculated when the previous service is completed can be directly obtained. Therefore, the remaining amount of each first sub-item, that is, the second remaining amount, can be directly obtained, and then the total remaining amount of at least one first sub-item and the target sub-item can be determined according to the second remaining amount and the first remaining amount.

In some examples, the first remaining amount of the target sub-item C is 70 ten thousand, the second remaining amount of the first sub-item B is 20 ten thousand, the second remaining amount of the first sub-item a is 50 ten thousand, and the total remaining amount is 140 ten thousand.

Therefore, the total remaining amount is calculated through the process, and convenience is provided for judging whether the amount is used in a string mode.

In some embodiments, since the quota sharing is performed only when the first remaining quota is less than the target quota, it is necessary to determine whether the first remaining quota is less than the target quota, and it is necessary to determine the first remaining quota first when the first remaining quota is less than the target quota, in order to determine the first remaining quota, before S120, the method may further include:

acquiring an initial quota of a target subsection, a first service occupation quota and at least one historical string total quota of a second subsection lower than the risk level of the target subsection;

and calculating the first remaining quota according to the initial quota, the first service occupation quota and the historical string total quota.

Here, the initial quota may be a quota when the quota of the target item is not occupied by any service and is not used by other item strings, and the first remaining quota may be a quota after the quota of the target item is occupied by the service and is used by other item strings. The first service occupation amount can be the amount occupied by the user when the user applies for the loan of the target clause. The second score may be a score of a lower risk level than the target score. When the quota is used in a string, only the clauses with low risk levels and high risk levels for string use can be used, so that if the quota of the target clause is used in a string, the clause with the lower risk level than the target clause, namely the second clause, is used in a string.

Therefore, if the first remaining amount is to be calculated, the initial amount of the target sub-item, the first service occupation amount and the historical string total amount of at least one second sub-item are obtained, and then the first service occupation amount and the historical string total amount are subtracted from the initial amount, so that the first remaining amount is obtained.

In some examples, the initial amount of the target clause C is 100 ten thousand, the loan of the target clause C, which was applied by the user, occupies 10 ten thousand of the amount of the target clause C, and the second clause D and the second clause E serially use 20 ten thousand of the amount of the target clause C, so that the first remaining amount of the target clause C is 70 ten thousand.

Therefore, through the process, the first surplus limit is calculated, whether the first surplus limit is smaller than the target limit or not is judged conveniently, and whether the limit is required to be used in series or not is determined conveniently.

In some embodiments, since the first remaining amount of the target item needs to be calculated according to the historical string total amount of the at least one second item, the historical string total amount of the at least one second item needs to be determined first, and in order to determine the historical string total amount, before obtaining the initial amount of the target item, the first business occupation amount, and the historical string total amount of the at least one second item with a risk level lower than that of the target item, the method may further include:

acquiring a second service occupation quota and a second initial quota compared with at least one second subentry;

and determining the historical string total quota according to the second service occupation quota and the second initial quota.

Here, the second initial quota may be a quota at which the quota of the second subentry is not occupied by any service and is not used by other subentry strings. The second service occupation limit can be the limit of the second sub-limit occupied by all services applying for the second sub-loan, and when the second service occupation limit exceeds the second initial limit, the sub-limit with higher risk level than the second sub-limit can be used in series. When carrying out the quota cluster use, the quota with higher risk level than the second sub-item is clustered according to the sequence from low to high of the preset risk level, so the second initial quota can be used for subtracting the occupation quota of the second service to obtain the historical quota cluster use.

In some examples, the scores that are lower in risk level than the target score C are the second score D and the second score E. The initial quota of the second subentry D is 200 ten thousand, the occupied quota of the second service is 250 ten thousand, the initial quota of the second subentry E is 300 ten thousand, and the occupied quota of the second service is 350 ten thousand. Therefore, the total historical string credit may be 100 ten thousand.

Therefore, the historical string total amount of at least one second item is determined through the process, and convenience is provided for calculating the first remaining amount.

Based on the same inventive concept, the embodiment of the application also provides a data processing device. The data processing apparatus provided in the embodiment of the present application is described in detail below with reference to fig. 3.

Fig. 3 shows a schematic structural diagram of a data processing apparatus according to an embodiment of the present application.

As shown in fig. 3, the data processing apparatus may include:

a first determination module 301, configured to determine a target amount and a target sub-item of the loan in response to a first input of the user;

a second determining module 302, configured to determine at least one first item according to a preset risk level sequence of all items when a first remaining amount of the target item is less than the target amount, where the first item is a higher item than a risk level of the target item;

the stringing module 303 is configured to string a first quota in the at least one first subentry when the total quota of the at least one first subentry and the target subentry is greater than or equal to the target quota, where the first quota is a difference between the target quota and the first quota.

In some embodiments, since only the itemized items with low risk levels and high risk levels can be used for the purpose of stringing together the quota, in order to avoid that the itemized items with high risk levels are not available for the purpose of stringing together the quota, the stringing module 303 may specifically include:

and the stringing submodule is used for stringing the first quota in the at least one first subentry according to the sequence of the preset risk level from low to high.

In some embodiments, the amount that the user directly inputs is an amount that the user wants to loan, that is, the second amount, in order to determine whether to serially use the amounts of other items, a target amount that needs to occupy the amount of the item in the second amount needs to be determined first, and in order to determine the target amount, the first determining module 301 may specifically include:

the first determining submodule is used for responding to the first input of the user and determining a second limit and a target clause of the loan application of the user;

the acquisition submodule is used for acquiring the guaranteed amount and the risk slow-release amount corresponding to the target subentry;

and the second determining submodule is used for determining the target limit according to the second limit, the guarantee sum degree and the risk slow-release limit.

In some embodiments, since the quota sharing is performed only when the first remaining quota is less than the target quota, it is necessary to determine whether the first remaining quota is less than the target quota, and it is necessary to determine the first remaining quota first when the first remaining quota is less than the target quota, in order to determine the first remaining quota, the data processing apparatus may further include:

the first acquisition module is used for acquiring an initial quota of a target subentry, a first business occupation quota and a historical string total quota of at least one second subentry lower than the risk level of the target subentry before determining at least one first subentry according to the preset risk level sequence of all the subentries;

and the first calculating module is used for calculating a first remaining quota according to the initial quota, the first service occupation quota and the historical string total quota.

In some embodiments, since the first remaining amount of the target item needs to be calculated according to the historical string total amount of the at least one second item, the historical string total amount of the at least one second item needs to be determined first, and in order to determine the historical string total amount, the data processing apparatus may further include:

the second acquisition module is used for acquiring a second service occupation amount and a second initial amount of at least one second subentry before acquiring the initial amount of the target subentry, the first service occupation amount and at least one historical string total amount of the second subentry lower than the risk level of the target subentry;

and the third determining module is used for determining the historical string total amount according to the second service occupation amount and the second initial amount.

In some embodiments, since it is necessary to determine whether the total remaining amount of the at least one first item and the target item is greater than or equal to the target amount, the total remaining amount needs to be calculated first, and in order to calculate the total remaining amount, the data processing apparatus may further include:

the third acquisition module is used for acquiring a second surplus quota of at least one first subentry before stringing the first quota in the at least one first subentry;

and the second calculating module is used for calculating the total surplus limit according to the second surplus limit and the first surplus limit.

Fig. 4 shows a schematic structural diagram of an electronic device according to an embodiment of the present application.

As shown in fig. 4, the electronic device 4 is a structural diagram of an exemplary hardware architecture of an electronic device capable of implementing the data processing method and the data processing apparatus according to the embodiment of the present application. The electronic device may refer to an electronic device in the embodiments of the present application.

The electronic device 4 may comprise a processor 401 and a memory 402 in which computer program instructions are stored.

Specifically, the processor 401 may include a Central Processing Unit (CPU), or an Application Specific Integrated Circuit (ASIC), or may be configured to implement one or more Integrated circuits of the embodiments of the present Application.

Memory 402 may include mass storage for data or instructions. By way of example, and not limitation, memory 402 may include a Hard Disk Drive (HDD), floppy Disk Drive, flash memory, optical Disk, magneto-optical Disk, tape, or Universal Serial Bus (USB) Drive or a combination of two or more of these. Memory 402 may include removable or non-removable (or fixed) media, where appropriate. The memory 402 may be internal or external to the integrated gateway disaster recovery device, where appropriate. In a particular embodiment, the memory 402 is a non-volatile solid-state memory. In particular embodiments, memory 402 may include Read Only Memory (ROM), Random Access Memory (RAM), magnetic disk storage media devices, optical storage media devices, flash memory devices, electrical, optical, or other physical/tangible memory storage devices. Thus, in general, the memory 402 comprises one or more tangible (non-transitory) computer-readable storage media (e.g., a memory device) encoded with software comprising computer-executable instructions and when the software is executed (e.g., by one or more processors), it is operable to perform operations described with reference to a method according to an aspect of the present application.

The processor 401 reads and executes the computer program instructions stored in the memory 402 to implement any of the data processing methods in the above embodiments.

In one example, the electronic device can also include a communication interface 403 and a bus 404. As shown in fig. 4, the processor 401, the memory 402, and the communication interface 403 are connected via a bus 404 to complete communication therebetween.

The communication interface 403 is mainly used for implementing communication between modules, apparatuses, units and/or devices in the embodiments of the present application.

The bus 404 comprises hardware, software, or both to couple the components of the electronic device to one another. By way of example, and not limitation, a bus may include an Accelerated Graphics Port (AGP) or other graphics bus, an Enhanced Industry Standard Architecture (EISA) bus, a Front Side Bus (FSB), a Hypertransport (HT) interconnect, an Industry Standard Architecture (ISA) bus, an infiniband interconnect, a Low Pin Count (LPC) bus, a memory bus, a Micro Channel Architecture (MCA) bus, a Peripheral Component Interconnect (PCI) bus, a PCI-Express (PCI-X) bus, a Serial Advanced Technology Attachment (SATA) bus, a video electronics standards association local (VLB) bus, or other suitable bus or a combination of two or more of these. Bus 404 may include one or more buses, where appropriate. Although specific buses are described and shown in the embodiments of the application, any suitable buses or interconnects are contemplated by the application.

The electronic device may execute the data processing method in the embodiment of the present application, so as to implement the data processing method and apparatus described in conjunction with fig. 1 to 3.

In addition, in combination with the data processing method in the foregoing embodiments, the embodiments of the present application may provide a computer storage medium to implement. The computer storage medium having computer program instructions stored thereon; the computer program instructions, when executed by a processor, implement any of the data processing methods in the above embodiments.

It is to be understood that the present application is not limited to the particular arrangements and instrumentality described above and shown in the attached drawings. A detailed description of known methods is omitted herein for the sake of brevity. In the above embodiments, several specific steps are described and shown as examples. However, the method processes of the present application are not limited to the specific steps described and illustrated, and those skilled in the art can make various changes, modifications, and additions or change the order between the steps after comprehending the spirit of the present application.

The functional blocks shown in the above-described structural block diagrams may be implemented as hardware, software, firmware, or a combination thereof. When implemented in hardware, it may be, for example, an electronic circuit, an Application Specific Integrated Circuit (ASIC), suitable firmware, plug-in, function card, or the like. When implemented in software, the elements of the present application are the programs or code segments used to perform the required tasks. The program or code segments may be stored in a machine-readable medium or transmitted by a data signal carried in a carrier wave over a transmission medium or a communication link. A "machine-readable medium" may include any medium that can store or transfer information. Examples of a machine-readable medium include electronic circuits, semiconductor memory devices, ROM, flash memory, Erasable ROM (EROM), floppy disks, CD-ROMs, optical disks, hard disks, fiber optic media, Radio Frequency (RF) links, and so forth. The code segments may be downloaded via computer networks such as the internet, intranet, etc.

It should also be noted that the exemplary embodiments mentioned in this application describe some methods or systems based on a series of steps or devices. However, the present application is not limited to the order of the above-described steps, that is, the steps may be performed in the order mentioned in the embodiments, may be performed in an order different from the order in the embodiments, or may be performed simultaneously.

Aspects of the present application are described above with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems) and computer program products according to embodiments of the application. It will be understood that each block of the flowchart illustrations and/or block diagrams, and combinations of blocks in the flowchart illustrations and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, enable the implementation of the functions/acts specified in the flowchart and/or block diagram block or blocks. Such a processor may be, but is not limited to, a general purpose processor, a special purpose processor, an application specific processor, or a field programmable logic circuit. It will also be understood that each block of the block diagrams and/or flowchart illustration, and combinations of blocks in the block diagrams and/or flowchart illustration, can be implemented by special purpose hardware for performing the specified functions or acts, or combinations of special purpose hardware and computer instructions.

As described above, only the specific embodiments of the present application are provided, and it can be clearly understood by those skilled in the art that, for convenience and brevity of description, the specific working processes of the system, the module and the unit described above may refer to the corresponding processes in the foregoing method embodiments, and are not described herein again. It should be understood that the scope of the present application is not limited thereto, and any person skilled in the art can easily conceive various equivalent modifications or substitutions within the technical scope of the present application, and these modifications or substitutions should be covered within the scope of the present application.

Claims

1. A data processing method, comprising:

and under the condition that the total remaining amount of the at least one first subentry and the target subentry is greater than or equal to the target amount, serially using a first amount in the at least one first subentry, wherein the first amount is the difference between the target amount and the first remaining amount.

2. The method of claim 1, wherein when the total remaining amount of the at least one first item and the target item is greater than or equal to the target amount, the method of using the first amount of the at least one first item in series specifically includes:

and according to the sequence of the preset risk level from low to high, stringing the first quota in the at least one first subentry.

3. The method of claim 1, wherein determining the target amount and target subentry of the loan in response to the first input by the user comprises:

determining a second amount and a target clause of the loan application of the user in response to a first input of the user;

acquiring a guarantee amount and a risk slow-release amount corresponding to the target subentry;

and determining the target amount according to the second amount, the guaranteed amount and the risk slow-release amount.

4. The method according to claim 2, wherein prior to said determining at least one first clause according to said preset risk level order of all clauses, the method further comprises:

acquiring an initial quota of the target item, a first service occupation quota and a historical string total quota of at least one second item lower than the risk level of the target item;

5. The method of claim 4, wherein before the obtaining of the initial quota of the target subentry, the first business occupancy quota, and the historical running total quota of at least one second subentry that is lower than the risk level of the target subentry, the method further comprises:

acquiring a second service occupation quota and a second initial quota compared with the at least one second subentry;

and determining the historical string total amount according to the second service occupation amount and the second initial amount.

6. The method of claim 1, wherein prior to the string using the first amount in the at least one first subentry, the method further comprises:

obtaining a second surplus limit of the at least one first subentry;

7. A data processing apparatus, characterized in that the apparatus comprises:

the second determining module is used for determining at least one first subentry according to the preset risk level sequence of all subentries under the condition that the first remaining quota of the target subentry is smaller than the target quota, wherein the first subentry is a subentry with a higher risk level than the target subentry;

the serial module is used for serially using a first quota in the at least one first subentry under the condition that the total remaining quota of the at least one first subentry and the target subentry is greater than or equal to the target quota, and the first quota is the difference between the target quota and the first remaining quota.

8. An electronic device, characterized in that the device comprises: a processor and a memory storing computer program instructions;

the processor, when executing the computer program instructions, implements a data processing method as claimed in any one of claims 1-6.

9. A computer storage medium having computer program instructions stored thereon which, when executed by a processor, implement a data processing method according to any one of claims 1 to 6.

10. A computer program product, characterized in that instructions in the computer program product, when executed by a processor of an electronic device, cause the electronic device to perform the data processing method according to any of claims 1-6.