CN114519637A - Method, device and system for managing banking loan - Google Patents
Method, device and system for managing banking loan Download PDFInfo
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- CN114519637A CN114519637A CN202210137276.9A CN202210137276A CN114519637A CN 114519637 A CN114519637 A CN 114519637A CN 202210137276 A CN202210137276 A CN 202210137276A CN 114519637 A CN114519637 A CN 114519637A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/03—Credit; Loans; Processing thereof
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06F—ELECTRIC DIGITAL DATA PROCESSING
- G06F40/00—Handling natural language data
- G06F40/10—Text processing
- G06F40/166—Editing, e.g. inserting or deleting
- G06F40/186—Templates
Abstract
The invention discloses a method, a device and a system for managing a silver group loan. The method for managing the banking loan comprises the following steps: receiving a message configuration instruction, and generating a specified message template according to the message configuration instruction; receiving a message association instruction, and associating the specified message template to a specified loan service link according to the message association instruction; receiving a surface function configuration instruction, and generating a specified surface function template according to the surface function configuration instruction; receiving a face function association instruction, and associating the appointed face function template to an appointed loan service link according to the face function association instruction; the loan business link comprises the basic information registration of the silver group loan, the registration of the silver group loan fee, the repayment registration of the silver group loan agency, the interest rate pricing of the silver group loan agency, the loan payment of the silver group, the re-pricing of the interest rate of the silver group loan, the extension of the silver group loan and the repayment of the silver group loan.
Description
Technical Field
The embodiment of the invention relates to the financial service system technology, in particular to a method, a device and a system for managing a banking loan.
Background
With the rapid development of the intelligent era and the information-oriented society, the computer technology has penetrated into the aspects of production and life by virtue of the superiority thereof, and becomes an indispensable part in production and life. A great deal of complicated labor is replaced by a computer technology as far as possible, and a great deal of manpower and material resources are saved, so that the improvement of the efficiency of work and management is the most important target in the production and the life at present.
Most of the current enterprises and organizations can support the operation and management of the enterprises or organizations through various management information systems, collect, transmit, store, process and monitor the internal important information, and provide services for all levels of departments in an intelligent manner. In order to support the management of information, share, cost and the like of each participating bank loan by an agent bank, the method needs to register the information of the whole bank loan before the loan process is added; the text format and the facial function format can be freely configured; and support and collect many times, assign and produce the bank loan administration system of the facial letter separately to the loan expense.
Disclosure of Invention
The invention provides a method, a device and a system for managing a bank loan, which aim to improve the flexibility of the bank loan management.
In a first aspect, an embodiment of the present invention provides a method for managing a banking loan, including: receiving a message configuration instruction, and generating a specified message template according to the message configuration instruction;
receiving a telegraph text association instruction, and associating a specified telegraph text template to a specified loan business link according to the telegraph text association instruction;
receiving a facial function configuration instruction, and generating a specified facial function template according to the facial function configuration instruction;
receiving a surface function association instruction, and associating a specified surface function template to a specified loan service link according to the surface function association instruction;
the loan business link comprises the basic information registration of the silver group loan, the registration of the silver group loan fee, the repayment registration of the silver group loan agency, the interest rate pricing of the silver group loan agency, the loan payment of the silver group, the interest rate re-pricing of the silver group loan, the extension of the silver group loan and the repayment of the silver group loan.
Optionally, the loan service link further includes banking loan merging and banking loan splitting;
performing the banking loan merge comprises: when a loan merging instruction is received, judging whether a plurality of selected loan items meet merging conditions or not, and if so, merging the plurality of selected loan items into one loan item;
performing a banking loan split includes: and when a loan splitting instruction is received, obtaining loan splitting information, and splitting a selected loan item into a plurality of loan items according to the loan differential information.
Optionally, the loan service link further includes modification of basic information of the banking loan;
performing the banking loan base information modification comprises: and when a basic information modification instruction of the bank loan is received, acquiring basic update information, inquiring basic information stored when the basic information of the bank loan is registered, and updating the basic information according to the basic update information.
Optionally, the loan service link further includes a change of the loan fee of the silver clique;
performing the banking loan fee modification comprises: and when receiving a bank loan expense modification instruction, acquiring expense modification information, inquiring expense information stored when performing bank loan expense registration, and updating the expense information according to the expense modification information.
Optionally, the loan service link further includes tax deduction code maintenance;
performing the tax deduction code maintenance comprises: and acquiring and storing tax information when a tax deduction code maintenance instruction is received.
Optionally, the loan service link further includes deduction for tax payment registration;
the step of executing the withholding tax payment registration comprises the following steps: and acquiring the appointed tax deduction type, and calculating the tax rate according to the tax deduction type.
Optionally, the loan service link further includes tax deduction and payment;
executing the tax deduction payment comprises: and acquiring the appointed tax deduction type and the tax rate corresponding to the tax deduction type, and deducting according to the tax rate.
Optionally, the loan service link further includes repayment plan configuration;
executing the payment plan configuration comprises: and when receiving a repayment plan configuration instruction, determining a designated repayment mode.
In a second aspect, an embodiment of the present invention further provides a banking loan management apparatus, including a loan transaction support unit, where the loan transaction support unit is configured to: receiving a message configuration instruction, and generating a specified message template according to the message configuration instruction;
receiving a message association instruction, and associating a specified message template to a specified loan service module according to the message association instruction;
receiving a facial function configuration instruction, and generating a specified facial function template according to the facial function configuration instruction;
receiving a surface function association instruction, and associating a specified surface function template to a specified loan service module according to the surface function association instruction;
the loan service module comprises a silver group loan basic information registration module, a silver group loan expense repayment module, a silver group loan agency repayment registration module, a silver group loan agency interest rate pricing module, a silver group loan payment module, a silver group loan interest rate re-pricing module, a silver group loan extension module and a silver group loan repayment module.
In a third aspect, an embodiment of the present invention further provides a banking loan management system, including a server, where the server stores an executable program, and the executable program implements, when running, the banking loan management method described in the embodiment of the present invention.
Compared with the prior art, the invention has the beneficial effects that: the invention provides a method for managing a loan of a silver group, which defines the format and the content of a surface letter to be sent in each loan business link in advance through the form of template configuration and automatically generates the surface letter when the designated loan business link occurs; meanwhile, the content and the value rule of the telegraph text to be sent in each loan business link are defined in advance through the form of combining the pre-configuration and the parameter configuration, and the telegraph text is automatically generated when the designated loan business link occurs.
Drawings
FIG. 1 is a flow diagram of a method for managing a clique loan in an embodiment;
fig. 2 is a schematic diagram of a banking loan management apparatus in an embodiment.
Detailed Description
The present invention will be described in further detail with reference to the accompanying drawings and examples. It is to be understood that the specific embodiments described herein are merely illustrative of the invention and are not limiting of the invention. It should be further noted that, for the convenience of description, only some structures related to the present invention are shown in the drawings, not all of them.
Example one
The embodiment provides a method for managing a clique loan, which may be implemented in a software manner, where the method may be configured in a clique loan management system and executed by the clique loan system, fig. 1 is a flowchart of a clique loan management method in the embodiment, and with reference to fig. 1, the method for managing the clique loan includes:
s101, receiving a message configuration instruction, and generating a specified message template according to the message configuration instruction.
For example, in this embodiment, the text message refers to a message with a free format for business contact between banks.
Illustratively, the text template is a format frame of a specified text, and a part of the keyword to be filled in corresponding to the specified text is empty in the text template.
Illustratively, the message configuration instruction is specifically used for acquiring and storing a self-defined message type, a message format and a keyword value-taking rule corresponding to the specified message template. The text format comprises a static template and keywords to be filled in, and the keyword dereferencing rule is used for defining how to acquire the keywords to be filled in.
For example, in the present embodiment, the banking loan management system is configured with a visualization interface for editing the text template, and when editing the text template, the type of the text to be defined and the format of the edited text are input in the visualization interface.
For example, the edited text template may be in the form shown in table 1:
TABLE 1
Illustratively, in table 1, the international business loan transfer service text-MT 799 represents a text type, text such as a name and address of a bank to be submitted represents a static template, and X1, X2, and the like represent keywords to be filled in.
And S102, receiving the message association instruction, and associating the specified message template to the specified loan service link according to the message association instruction.
In this embodiment, the loan business link refers to a link of loan payment and loan collection, and a function and a visual interface for operation and management of the loan business link are configured in the banking loan management system.
For example, the step of associating the specified text template to the specified loan service is specifically as follows: and associating the text template to a function corresponding to the designated loan service link.
For example, if a user of the banking loan management system needs to generate an international business loan transfer service text-MT 799 in a banking loan payment link, the user pre-defines a MT799 text template (including keyword value-taking rules), and associates the MT799 text template with a function corresponding to the banking loan payment.
For example, when the function is executed, if a text message needs to be generated, the function acquires the associated text message template, and fills the acquired keyword information into the keyword to be filled in the text message template to generate a complete text message.
And S103, receiving a surface function configuration instruction, and generating a specified surface function template according to the surface function configuration instruction.
Illustratively, in the present embodiment, the letter is a document shown when the bank notifies a letter of credit or a modification thereof, and the letter is usually finally present in the form of a written document.
For example, in this embodiment, the surface function template is a format frame of a specified surface function, and a part of the keyword to be filled corresponding to the specified surface function in the surface function template is empty.
Illustratively, the facial function configuration instruction is specifically used for acquiring and storing a customized facial function format and a keyword value-taking rule corresponding to a specified facial function template.
Illustratively, the facial function format includes static templates, keywords to be filled in, similar to the text format.
For example, in this embodiment, the banking loan management system is configured with a visualization interface for editing a style template, and when editing the style template, a style format to be defined is input in the visualization interface.
And S104, receiving a surface function association instruction, and associating the specified surface function template to a specified loan service link according to the surface function association instruction.
For example, on the basis of step S102, the step of associating the specified facial style template to the specified loan transaction link specifically includes: and associating the surface function template to a function corresponding to the designated loan business link.
For example, if a user of the banking loan management system needs to generate an interest rate re-pricing facial function in a banking loan interest rate re-pricing link, a user pre-defines an interest rate re-pricing facial function template (including keyword value-taking rules), and associates the interest rate re-pricing facial function template with a function corresponding to the banking loan interest rate re-pricing.
For example, when the function is executed, if a surface function needs to be generated, the function acquires an associated surface function template, and fills the acquired keyword information into the position of the keyword to be filled in the surface function template to generate a complete surface function.
Illustratively, in this embodiment, the loan business link includes the basic information registration of the banking loan, the registration of the banking loan fee, the repayment registration of the banking loan agency, the interest rate pricing of the banking loan agency, the loan payment of the banking loan, the interest rate re-pricing of the banking loan, the extension of the banking loan, and the repayment of the banking loan.
In the embodiment, in the basic information registration link of the banking loan, the basic information registration of the banking loan contract is realized through the banking loan management system;
the banking loan management system is provided with a basic information registration page, and when receiving a banking loan basic information registration instruction, the banking loan management system acquires and stores loan contract basic information input on the basic information registration page;
the basic loan contract information may include: contract signing date, contract amount, contract currency, contract starting and ending date, borrower information, participation line clearing information and the like.
Illustratively, in the step of registering the bank loan fee, the bank loan management system is used for realizing the specific fee collection contents such as registering the bank agent fee, the front-end fee, the commitment fee and the like, and setting the information such as whether to automatically collect the fee and the effective date of the fee;
the bank loan management system is configured with a fee registration page, and when receiving a bank loan fee registration instruction, the fee basic information input by the fee registration page is acquired and stored;
the basic information of the fee may include: charge code, charge currency, charge rate, debit account, charge account, etc.
Exemplarily, in a bank loan fee repayment link, a manual charging project under a bank loan item is recorded through a bank loan management system;
the bank loan management system is configured with a fee repayment page, and when receiving a bank loan fee repayment instruction, the fee repayment information input by the fee repayment page is acquired and stored;
the fee payment information may include: the manner of charging, the amount of the fee, the currency, etc.
Illustratively, in a repayment registration link of a clique loan agency, the repayment registration of the clique loan is realized through a clique loan management system;
the bank loan management system is provided with a bank loan agency repayment registration page, and when receiving a bank loan agency repayment registration instruction, the bank loan agency management system acquires and stores agency repayment information input by the bank loan agency repayment registration page;
the agent payment information may include: repayment principal, repayment interest, repayment total amount, repayment registration date and the like.
Illustratively, in a franchise loan agency interest rate pricing link, registration of first-term loan information and interest rate pricing in a franchise mode are realized through a franchise loan management system;
the bank loan management system is configured with an agency interest rate pricing page, and when receiving a bank loan agency interest rate pricing instruction, the bank loan agency interest rate management system acquires and stores agency interest rate pricing information input by the agency interest rate pricing page;
the agent rate pricing information may include: loan amount, loan currency, loan type, loan start-stop date, loan interest rate, loan repayment date, and the like.
Illustratively, in a clique loan payment link, loan payment in an agency mode is realized through a clique loan management system;
the clique loan management system is configured with a loan payment page, and when receiving a clique loan payment instruction, the loan payment information input by the loan payment page is acquired and stored;
the loan payment information may include: the participating bank loan payment account number, the borrower settlement information and the like.
Illustratively, in the step of interest rate re-pricing of the banking loan, interest rate re-pricing of the loaned loan is realized through the banking loan management system;
the bank loan management system is configured with a loan interest rate re-pricing page, and when receiving a bank loan interest rate re-pricing instruction, the bank loan management system acquires and stores loan interest rate re-pricing information input by the loan interest rate re-pricing page;
the loan interest rate re-pricing information includes: the loan interest rate of a single outstanding loan transaction.
Illustratively, in a bank loan extension link, extension registration of the bank loan is realized through a bank loan management system;
the clique loan management system is configured with a loan exhibition page, and when receiving a clique loan exhibition instruction, the clique loan management system acquires and stores loan exhibition information input by the loan exhibition page;
the loan spread information includes: the modified single due loan transaction has a loan expiration date.
In the exemplary step of repayment of the banking loan, the system for managing the banking loan is used for realizing the repayment of the unsettled banking loan in advance, due and overdue and the settlement of interest;
the bank loan management system is configured with a loan repayment page, and when receiving a bank loan repayment instruction, the bank loan repayment page acquires and stores bank loan repayment information input by the loan repayment page;
the information of repayment of the banking loan comprises: corresponding to the selected outstanding loan transaction, the principal, interest and the like of the loan should be paid.
Illustratively, in the process of executing each loan service link, if an electronic message or a facial letter needs to be generated, the associated electronic message template or facial letter module is queried through a function corresponding to each loan service link, and then the specified information acquired from the corresponding page is filled into the electronic message template or facial letter template, so that the corresponding electronic message or facial letter is automatically generated when the loan service link is finished.
In this embodiment, the sequence between step S101 and step S103 is not limited, and step S101 and step S103 may be executed in parallel or executed according to the sequence, and correspondingly, step S102 and step S104 may be executed in parallel or executed according to the sequence.
The embodiment provides a method for managing a banking loan, which defines the format and the content of a surface letter to be sent in each loan business link in advance through a template configuration mode and automatically generates the surface letter when a designated loan business link occurs; meanwhile, the content and the value rule of the telegraph text to be sent in each loan business link are defined in advance through the form of combining the pre-configuration and the parameter configuration, and the telegraph text is automatically generated when the designated loan business link occurs.
In one possible embodiment, the loan transaction link further includes a banking loan merge, the performing the banking loan merge including: and when receiving a loan combination instruction, judging whether the selected loan terms meet the combination condition, and if so, combining the selected loan terms into one loan term.
Specifically, the clique loan management system is provided with a loan combination page, the loan combination page provides selectable loan terms, the loan terms needing to be combined can be selected through the loan combination page, and when a loan combination instruction is received, if repayment deadline of the selected loan terms is the same and borrowers are the same, the selected loan terms are combined into a new loan term, and the selected loan term is deleted.
In one possible embodiment, the loan transaction link further comprises a clique loan split, and the performing of the clique loan split comprises: and when a loan splitting instruction is received, obtaining loan splitting information, and splitting a selected loan item into a plurality of loan items according to the loan difference information.
Specifically, the silver group loan management system is provided with a loan splitting page, a designated loan service can be selected through the loan splitting page, splitting amount is input, the selected loan service is split into a plurality of new loan terms according to the splitting amount when a loan splitting instruction is received, and the designated loan service is deleted.
In one possible embodiment, the loan transaction link further comprises a banking loan basic information modification, and the performing of the banking loan basic information modification comprises: and when receiving the basic information modification instruction of the bank loan, acquiring basic update information, inquiring basic information (loan contract basic information) stored when the basic information of the bank loan is registered, and updating the basic information (loan contract basic information) according to the basic update information.
For example, the banking loan management system is configured with a loan basic information modification page, and by means of the loan basic information modification page, modification of banking loan business elements and information of each participating bank and agent bank can be achieved, and meanwhile, increase, decrease and assignment of shares of each participating bank can be achieved.
In one possible embodiment, the loan transaction link further includes a banking loan fee modification, the performing of the banking loan fee modification including: when receiving the bank loan fee modification instruction, acquiring fee modification information, inquiring fee information (fee basic information) stored when performing bank loan fee registration, and updating the fee information (fee basic information) according to the fee modification information.
Illustratively, the banking loan management system is provided with a loan fee modification page through which modification of non-one-time charging information of the banking loan, including amount, term, whether to automatically charge, and the like, can be realized.
In one implementation, the loan transaction link further includes deduction code maintenance, deduction and payment registration, and deduction and payment.
Performing the tax deduction code maintenance comprises: and acquiring and storing tax information when a tax deduction code maintenance instruction is received.
Specifically, the banking loan management system is configured with a deduction code maintenance page, and the deduction code maintenance page can be used for configuring tax types, tax bases, tax rates and tax accounting modes possibly related to the business of the banking loan agency and matching with a set accounting rule;
for example, if the local tax authority of the user of the banking system requires the financial institution to apply a 5% income tax to the income of the loan fee, the user of the banking system may add new tax categories, selecting the loan fee as the tax base and 5% as the tax rate.
The step of executing withholding payment registration comprises the following steps: and acquiring the appointed tax deduction type, and calculating the tax rate according to the tax deduction type.
Specifically, the banking loan management system is provided with an deduction-substituted tax payment registration page, tax types needing deduction-substituted for business of the banking loan agency can be selected through the deduction-substituted tax payment registration page, and after the tax types are determined, the banking loan management system automatically calculates the tax rate.
The executing the tax deduction payment comprises the following steps: and acquiring the appointed tax deduction type and the tax rate corresponding to the tax deduction type, and deducting according to the tax rate.
Specifically, the banking loan management system actually deducts and accounts for the selected tax type.
As an implementation scheme, the loan transaction link further comprises a repayment plan configuration, and the executing of the repayment plan configuration comprises: and when receiving a repayment plan configuration instruction, determining a designated repayment mode.
Illustratively, the repayment modes include 5 repayment modes, such as periodic payback and expiration, equal-amount principal, expired payback and custom payback.
For example, the banking loan system may automatically complete loan repayment operations in batches at a designated time and perform accounting, text processing, and the like at a defined loan repayment node based on a pre-configured repayment plan form.
Example two
Fig. 2 is a schematic diagram of a banking loan management apparatus in an embodiment, and referring to fig. 2, the embodiment proposes a banking loan management apparatus including a loan transaction support unit 100 and a loan transaction unit 200.
The loan transaction support unit 100 comprises a text template maintenance module and a style template maintenance module, and the loan transaction unit 200 comprises a clique loan basic information registration module, a clique loan expense repayment module, a clique loan agency repayment registration module, a clique loan agency interest rate pricing module, a clique loan repayment module, a clique loan interest rate re-pricing module, a clique loan extension module and a clique loan repayment module.
The text template maintenance module is used for: receiving a message configuration instruction, and generating a specified message template according to the message configuration instruction; and receiving the message association instruction, and associating the specified message template to the specified loan service module according to the message association instruction.
The surface function template maintenance module receives a surface function configuration instruction, generates a specified surface function template according to the surface function configuration instruction, receives a surface function association instruction, and associates the specified surface function template to a specified loan service module according to the surface function association instruction.
The silver group loan basic information registration module is specifically used for: and when receiving a basic information registration instruction of the banking loan, acquiring and storing basic information of the loan contract input on a basic information registration page.
The money loan fee repayment module is specifically used for: and when receiving a bank loan fee repayment instruction, acquiring and storing fee repayment information input by a fee repayment page.
The repayment registration module of the clique loan agency bank is specifically used for: and when receiving a repayment registration instruction of the agent bank loan, acquiring and storing the repayment information of the agent bank input by the repayment registration page of the agent bank.
The banking loan agency interest rate pricing module is specifically used for: and when receiving the closing loan agency interest rate pricing instruction, acquiring and storing agency interest rate pricing information input by an agency interest rate pricing page.
The chartered loan payment module is specifically used for: and when receiving a clique loan payment instruction, obtaining and storing loan payment information input by a loan payment page.
The charity loan interest rate re-pricing module is specifically configured to: and when receiving the instruction of reselling the loan interest rate of the bank, acquiring and storing loan interest rate reselling information input by the page of reselling the loan interest rate.
The charity loan extension module is specifically used for: and when receiving a bank loan extension instruction, acquiring and storing loan extension information input by a loan extension page.
The chartered loan repayment module is specifically used for: and when receiving the bank loan repayment instruction, acquiring and storing the bank loan repayment information input by the loan repayment page.
Optionally, the loan service unit 200 may further include a banking loan merging module, a banking loan splitting module, a banking loan basic information modifying module, a banking loan fee modifying module, a tax deduction code maintaining module, a deduction payment registration module, a tax deduction payment module, and a repayment plan configuring module.
The clique loan merging module is specifically used for: and when receiving a loan combination instruction, judging whether the selected loan terms meet the combination condition, and if so, combining the selected loan terms into one loan term.
The silver group loan splitting module is specifically used for: and when a loan splitting instruction is received, obtaining loan splitting information, and splitting a selected loan item into a plurality of loan items according to the loan difference information.
The silver group loan basic information modification module is specifically used for: and when receiving the basic information modification instruction of the Turca loan, acquiring basic update information, inquiring basic information (loan contract basic information) stored when the basic information of the Turca loan is registered, and updating the basic information (loan contract basic information) according to the basic update information.
The money loan fee modification module is specifically configured to: when receiving the bank loan fee modification instruction, acquiring fee modification information, inquiring fee information (fee basic information) stored when performing bank loan fee registration, and updating the fee information (fee basic information) according to the fee modification information.
The deduction code maintenance module is specifically used for: and acquiring and storing tax information when a tax deduction code maintenance instruction is received.
The withholding tax payment registration module is specifically used for: and acquiring the appointed tax deduction type, and calculating the tax rate according to the tax deduction type.
The tax deduction and payment module is specifically used for: and acquiring the appointed deduction tax types and the tax rate corresponding to the deduction tax types, and deducting according to the tax rate.
The repayment plan configuration module is specifically configured to: and when receiving a repayment plan configuration instruction, determining a designated repayment mode.
On the basis of the beneficial effects of the first recording scheme of the embodiment, the clique loan management device provided by the embodiment can automatically store and process the information input in each loan business link without manual intervention of a user.
EXAMPLE III
The embodiment provides a banking loan management system, which comprises a server, wherein an executable program is stored in the server, and when the executable program runs, any one of the banking loan management methods described in the embodiment is implemented.
The beneficial effects of the clique loan management system provided in this embodiment are the same as those described in the first embodiment, and are not described herein again.
It is to be noted that the foregoing is only illustrative of the preferred embodiments of the present invention and the technical principles employed. It will be understood by those skilled in the art that the present invention is not limited to the particular embodiments described herein, but is capable of various obvious changes, rearrangements and substitutions as will now become apparent to those skilled in the art without departing from the scope of the invention. Therefore, although the present invention has been described in greater detail by the above embodiments, the present invention is not limited to the above embodiments, and may include other equivalent embodiments without departing from the spirit of the present invention, and the scope of the present invention is determined by the scope of the appended claims.
Claims (10)
1. A method for banking, comprising: receiving a message configuration instruction, and generating a specified message template according to the message configuration instruction;
receiving a telegraph text association instruction, and associating a specified telegraph text template to a specified loan business link according to the telegraph text association instruction;
receiving a facial function configuration instruction, and generating a specified facial function template according to the facial function configuration instruction;
receiving a surface function association instruction, and associating a specified surface function template to a specified loan service link according to the surface function association instruction;
the loan service link comprises the basic information registration of the silver group loan, the registration of the silver group loan expense, the repayment registration of the silver group loan agency, the interest rate pricing of the silver group loan agency, the loan payment of the silver group, the interest rate re-pricing of the silver group loan, the exhibition period of the silver group loan and the repayment of the silver group loan.
2. The charity loan management method of claim 1, wherein the loan transaction link further comprises charity loan merger and charity loan split;
performing the banking loan merge comprises: when a loan merging instruction is received, judging whether a plurality of selected loan items meet merging conditions or not, and if so, merging the plurality of selected loan items into one loan item;
performing a banking loan split includes: and when a loan splitting instruction is received, obtaining loan splitting information, and splitting a selected loan item into a plurality of loan items according to the loan differential information.
3. The method of claim 1, wherein the loan transaction further comprises modification of the banking loan base information;
performing the banking loan base information modification comprises: and when a basic information modification instruction of the bank loan is received, acquiring basic update information, inquiring basic information stored when the basic information of the bank loan is registered, and updating the basic information according to the basic update information.
4. The method of claim 1, wherein the loan transaction further comprises a loan fee modification for the group;
performing the banking loan fee modification comprises: and when receiving a bank loan expense modification instruction, acquiring expense modification information, inquiring expense information stored when performing bank loan expense registration, and updating the expense information according to the expense modification information.
5. The method of claim 1, wherein the loan transaction further comprises deduction of tax code maintenance;
performing the tax deduction code maintenance comprises: and acquiring and storing tax information when a tax deduction code maintenance instruction is received.
6. The method of claim 5, wherein the loan transaction further comprises withholding for tax payment registration;
the step of executing the withholding tax payment registration comprises the following steps: and acquiring the appointed tax deduction type, and calculating the tax rate according to the tax deduction type.
7. The method of claim 6, wherein the loan transaction link further comprises a tax deduction;
executing the tax deduction payment comprises: and acquiring the appointed tax deduction type and the tax rate corresponding to the tax deduction type, and deducting according to the tax rate.
8. The method of claim 1, wherein the loan transaction further comprises a repayment plan configuration;
executing the payment plan configuration comprises: and when receiving a repayment plan configuration instruction, determining a designated repayment mode.
9. A clique loan management apparatus characterized by comprising a loan transaction support unit for: receiving a message configuration instruction, and generating a specified message template according to the message configuration instruction;
receiving a message association instruction, and associating a specified message template to a specified loan service module according to the message association instruction;
receiving a facial function configuration instruction, and generating a specified facial function template according to the facial function configuration instruction;
receiving a surface function association instruction, and associating a specified surface function template to a specified loan service module according to the surface function association instruction;
the loan service module comprises a silver group loan basic information registration module, a silver group loan expense repayment module, a silver group loan agency repayment registration module, a silver group loan agency interest rate pricing module, a silver group loan payment module, a silver group loan interest rate re-pricing module, a silver group loan extension module and a silver group loan repayment module.
10. A banking loan management system comprising a server storing an executable program which when executed implements the banking loan management method of any one of claims 1 to 8.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202210137276.9A CN114519637A (en) | 2022-02-15 | 2022-02-15 | Method, device and system for managing banking loan |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202210137276.9A CN114519637A (en) | 2022-02-15 | 2022-02-15 | Method, device and system for managing banking loan |
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| CN202210137276.9A Pending CN114519637A (en) | 2022-02-15 | 2022-02-15 | Method, device and system for managing banking loan |
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