CN114971893B - Loan deduction mode flexible configuration method and system - Google Patents

Abstract

The invention relates to the technical field of financial management, and particularly discloses a method and a system for flexibly configuring a loan deduction mode, wherein the method comprises the steps of receiving a loan request sent by a user; carrying out risk analysis on the user information to determine loan parameters; determining deduction atomic items according to the loan parameters, and arranging the deduction atomic items to obtain atomic item lists in different orders; selecting a certain atomic item list from atomic item lists in different orders as a deduction strategy; and receiving a repayment request containing a repayment amount sent by a user, and updating the deduction strategy. The invention extracts all the cost calculations into independent atom calculations, each atom calculation is a small step in the strategy, the combination of atom calculations in different sequences is abstracted into the strategy, the user and the strategy are in a many-to-many mode, and when the user initiates payment, a deduction example is generated for the corresponding strategy to carry out deduction, thereby greatly improving the flexibility of strategy replacement.

Description

A method and system for flexible configuration of loan deduction methods

technical field

The invention relates to the technical field of financial management, in particular to a method and system for flexible configuration of loan deduction methods.

Background technique

Loans in a broad sense refer to the general term for lending funds such as loans, discounts, and overdrafts. Banks release the centralized currency and monetary funds through loans, which can meet the needs of supplementary funds for social expansion of reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.

In the loan process, a very important part is repayment. For a certain amount of money, which amount to pay first is mostly fixed in the existing loan deduction process, and it has been determined when the contract is signed. , it is difficult to change; on the one hand, the handover between the two parties is difficult; on the other hand, the system needs to re-formulate the deduction process. When there are many changes, it is difficult for the staff to quickly formulate the deduction process; the purpose of the technical solution of the present invention is to solve The latter question is how to improve the efficiency of the deduction process and reduce the work pressure of the staff.

SUMMARY OF THE INVENTION

The purpose of the present invention is to provide a method and system for flexible configuration of loan deduction methods, so as to solve the problems raised in the above background art.

To achieve the above object, the present invention provides the following technical solutions:

A method for flexible configuration of loan deduction methods, the method includes:

Receive loan requests containing user information sent by users;

Carry out risk analysis on the user information, and determine loan parameters according to the risk analysis results; the loan parameters include loan amount, loan term and loan interest rate;

Determine the deductible atomic items according to the loan parameters, arrange the deductible atomic items, and obtain atomic item lists in different orders;

Select a certain atomic item list from the atomic item list in different order as the deduction policy;

Receive the repayment request containing the repayment amount sent by the user, update the deductible atomic items in the atomic item list according to the deduction policy, and update the deduction policy according to the updated deductible atomic items.

As a further solution of the present invention: the step of receiving a loan request containing user information sent by a user includes:

When receiving the loan request sent by the user, set the number of requests to one;

Obtain the login information containing the user ID, and query the user registration information corresponding to the login information in a preset information database;

Compare the login information containing the user ID and the user registration information, and pass the verification when the login information containing the user ID is the same as the user registration information;

When the login information containing the user ID is different from the user registration information, the number of requests is compared with the preset number of times threshold, and when the number of requests is less than the number of times threshold, the loan request sent by the user is received cyclically, and the total number of requests is accumulated. the number of requests; when the number of requests reaches a preset number of times threshold, the loan request receiving port is closed.

As a further solution of the present invention: the step of performing risk analysis on the user information and determining loan parameters according to the risk analysis result includes:

Obtain the collateral status, and determine the loan amount and loan duration according to the collateral status;

Obtain the user's repayment records, and determine the overdue frequency and overdue duration;

Obtain the user's evaluation information, and modify the loan amount and loan duration according to the evaluation information, overdue frequency and overdue duration;

Input the loan amount and loan duration into the trained interest rate calculation formula to obtain the loan interest rate.

As a further scheme of the present invention: the steps of obtaining the user's evaluation information, according to the evaluation information, overdue frequency and overdue duration, revising the loan amount and loan duration include:

Read the social address book in the user information, randomly send a scoring request to each person based on the social address book, and record the number of sending;

Receive the score from the personnel, record the number of feedbacks, and generate a correction ratio according to the number of feedbacks and the number of transmissions;

Calculate the security score according to the personnel and the correction ratio, and correct the loan amount and loan duration according to the security score, overdue frequency and overdue duration;

Among them, the personnel score is based on a percentage system; the personnel in the social address book are all givers of the information sending authority.

As a further solution of the present invention: the steps of determining the deductible atomic items according to the loan parameters, arranging the deductible atomic items, and obtaining atomic item lists in different orders include:

Input the loan parameters into the trained periodic task loan cost calculation model, and determine the deductible atomic items; the deductible atomic items include the early repayment fee item, penalty interest item, loan fee item, interest item and principal item;

Arrange each deductible atomic item to obtain an atomic item list containing a sequence label; the label is used to represent the arrangement order of each deductible atomic item in the atomic item list.

As a further solution of the present invention: the repayment request containing the repayment amount sent by the user is received, the deductible atomic items in the atomic item list are updated according to the deduction policy, and the deduction policy is updated according to the updated deductible atomic items The steps include:

Receive the repayment request containing the repayment amount sent by the user, and query the user's deduction policy;

Calculate the repayment amount of each deductible atomic item in the deduction strategy in turn, compare the repayment amount with the repayment amount, and update the corresponding deductible atomic item and the repayment amount when the repayment amount is greater than the repayment amount. repayment amount;

When the repayment amount is less than the due repayment amount, after updating the corresponding deduction atomic item based on the repayment amount, a stop instruction is generated;

Query all atomic item lists according to the sequence label, and update all atomic item lists according to the updated deductible atomic items; when receiving a policy replacement request with sequence labels input by the user, select a certain atomic item list from the updated list of all atomic items. A list of atomic items, as a deduction policy.

The technical solution of the present invention also provides a system for flexible configuration of loan deduction methods, the system comprising:

The request receiving module is used to receive the loan request containing the user information sent by the user;

a loan parameter determination module, configured to perform risk analysis on the user information, and determine loan parameters according to the risk analysis result; the loan parameters include loan amount, loan term and loan interest rate;

The atomic item determination module is used to determine the deductible atomic items according to the loan parameters, arrange the deductible atomic items, and obtain the atomic item lists in different orders;

The strategy selection generation module is used to select a certain atomic item list from the atomic item list in different order as a deduction strategy;

The data update module is used to receive the repayment request containing the repayment amount sent by the user, update the deductible atomic items in the atomic item list according to the deduction policy, and update the deduction policy according to the updated deductible atomic items.

As a further solution of the present invention: the request receiving module includes:

The times generating unit is used to set the request times to one when receiving the loan request sent by the user;

an information query unit, configured to obtain the login information containing the user ID, and query the user registration information corresponding to the login information in a preset information database;

an information comparison unit, for comparing the login information containing the user ID and the user registration information, and passing the verification when the login information containing the user ID is the same as the user registration information;

The port control unit is used to compare the number of requests with a preset number of times threshold when the login information containing the user ID is different from the user registration information, and when the number of requests is less than the number of times threshold, cyclically receive the data sent by the user. Loan requests are made, and the number of requests is accumulated; when the number of requests reaches a preset number of times threshold, the loan request receiving port is closed.

As a further solution of the present invention: the loan parameter determination module includes:

The quota duration query unit is used to obtain the state of the collateral, and determine the loan amount and the loan duration according to the state of the collateral; the state of the collateral is a preset value;

The repayment record query unit is used to obtain the user's repayment record and determine the overdue frequency and overdue duration;

A quota and duration correction unit, used to obtain user evaluation information, and to correct the loan amount and loan duration according to the evaluation information, overdue frequency and overdue duration;

The interest rate calculation unit is used to input the loan amount and loan duration into the trained interest rate calculation formula to obtain the loan interest rate.

As a further solution of the present invention: the atomic item determination module includes:

The model analysis unit is used to input the loan parameters into the trained periodic task loan cost calculation model, and determine the deductible atomic items; the deductible atomic items include early repayment fee items, penalty interest items, loan fee items , interest and principal;

The arranging unit is used for arranging each deductible atomic item to obtain an atomic item list containing a sequence label; the label is used to represent the arrangement order of each deductible atomic item in the atomic item list.

Compared with the prior art, the beneficial effects of the present invention are: the present invention extracts all cost calculations into independent atomic calculations, each atomic calculation is a small step in the strategy, and the combination of atomic calculations in different orders is abstracted into a strategy , users and policies are in a many-to-many manner. When a user initiates repayment, a deduction instance will be generated for the corresponding policy for deduction, which greatly improves the flexibility of policy replacement.

Description of drawings

In order to illustrate the technical solutions in the embodiments of the present invention more clearly, the following briefly introduces the accompanying drawings that need to be used in the description of the embodiments or the prior art. Obviously, the drawings in the following description are only for the present invention. some examples.

Figure 1 is a flow chart of the flexible configuration method of loan deduction methods.

FIG. 2 is a block diagram of the first sub-flow of the method for flexible configuration of loan deduction methods.

FIG. 3 is a second sub-flow block diagram of the flexible configuration method of loan deduction methods.

FIG. 4 is a block diagram of the third sub-flow of the flexible configuration method of loan deduction methods.

Figure 5 is a structural block diagram of the flexible configuration system for loan deduction methods.

FIG. 6 is a block diagram of the composition structure of the loan parameter determination module in the flexible configuration system of loan deduction mode.

Figure 7 is a block diagram of the composition and structure of the atomic item determination module in the flexible configuration system of loan deduction methods.

Detailed ways

In order to make the technical problems, technical solutions and beneficial effects to be solved by the present invention clearer, the present invention will be further described in detail below with reference to the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are only used to explain the present invention, but not to limit the present invention.

Example 1

FIG. 1 is a flowchart of a method for flexible configuration of loan deduction methods. In an embodiment of the present invention, a method for flexible configuration of loan deduction methods includes:

Step S100: receiving a loan request containing user information sent by a user;

Step S200: Perform risk analysis on the user information, and determine loan parameters according to the risk analysis results; the loan parameters include loan amount, loan term and loan interest rate;

After receiving the user's loan request, a simple risk analysis needs to be performed on the user to determine how much loan the user can obtain and the corresponding loan term. According to the loan amount and loan term, a loan interest rate can be determined. The above conversion process is not difficult. , which is common in the financial field.

Step S300: Determine deductible atomic items according to the loan parameters, arrange the deductible atomic items, and obtain atomic item lists in different orders;

Step S400: selecting a certain atomic item list from the atomic item lists in different orders as a deduction policy;

With the increasing demand of enterprises for platform loans, the requirements for loan amount, loan term, and repayment method are different. Without invading the original functions of the system, we design a loan method that can be flexibly configured for cost deduction. The strategy makes the repayment steps flexibly configured and enhances the scalability of the system; in the above content, the system separates all fee calculations into independent atomic calculations, each atomic calculation is a small step in the strategy, and the The combination of atomic computing is abstracted as a strategy. The system can add, modify and delete strategies. Users and strategies are in a many-to-many manner. When a user initiates repayment, a deduction instance will be generated for the corresponding strategy for deduction.

Step S500: Receive a repayment request containing the repayment amount sent by the user, update the deductible atomic items in the atomic item list according to the deduction policy, and update the deduction policy according to the updated deductible atomic items;

When receiving the user's repayment request, according to the repayment amount and the corresponding deduction strategy, each deductible atomic item is updated in turn; when the deductible atomic item is updated, the list of all atomic items and the deduction strategy are updated. .

Specifically, for the update process of the deductible atomic item, an example is as follows:

Assuming that a certain expense should be repaid X yuan, Y yuan has been repaid, and the current repayment is M yuan, the calculation process is as follows:

D=X-Y to be repaid, deduction N=(M>=D), if M>=D, the deduction amount is D, if M<D, the deduction amount is M;

Update Y=Y+N, M=M-N;

M=0 to exit the deduction order, otherwise enter the next deduction order.

Further, the step of receiving a loan request containing user information sent by a user includes:

When receiving the loan request sent by the user, set the number of requests to one;

Obtain the login information containing the user ID, and query the user registration information corresponding to the login information in a preset information database;

Compare the login information containing the user ID and the user registration information, and pass the verification when the login information containing the user ID is the same as the user registration information;

When the login information containing the user ID is different from the user registration information, the number of requests is compared with the preset number of times threshold, and when the number of requests is less than the number of times threshold, the loan request sent by the user is received cyclically, and the total number of requests is accumulated. the number of requests; when the number of requests reaches a preset number of times threshold, the loan request receiving port is closed.

The above content describes the receiving process of loan requests in detail, and introduces the parameter of the number of requests. When the user accesses the system, he enters his own account information, and the system verifies the account information. When the verification is passed, the next steps are performed. ; If the verification fails, record the number of verifications. If the number of verifications is within a certain range, continue to receive the loan request input by the user. If the number of verifications is too many, it means that the account information is in a risky state, and the loan request is closed accordingly. receive port.

2 is a block diagram of the first sub-flow of the method for flexible configuration of loan deduction methods. The step of performing risk analysis on the user information and determining loan parameters according to the risk analysis result includes steps S201 to S204:

Step S201: Obtain the state of the collateral, and determine the loan amount and loan duration according to the state of the collateral;

Step S202: Obtain the repayment record of the user, and determine the overdue frequency and overdue duration;

Step S203: Obtain the user's evaluation information, and modify the loan amount and loan duration according to the evaluation information, overdue frequency and overdue duration;

Step S204: Input the loan amount and loan duration into the trained interest rate calculation formula to obtain the loan interest rate.

Steps S201 to S204 describe the process of determining the loan parameters in detail. First, the loan amount and the loan duration are generally closely related to the collateral. The collateral state is a high-level concept, which can be some virtual assets. It can also be some tangible assets. The staff will evaluate these assets, get a collateral status, and store it as a preset value; then, obtain the user's repayment record and related evaluation information, according to the repayment record and evaluation information. Fine-tune the loan amount and loan duration; finally, calculate the loan interest rate based on the loan amount and loan duration.

Further, the steps of obtaining the user's evaluation information and revising the loan amount and loan duration according to the evaluation information, overdue frequency and overdue duration include:

Read the social address book in the user information, randomly send a scoring request to each person based on the social address book, and record the number of sending;

Receive the score from the personnel, record the number of feedbacks, and generate a correction ratio according to the number of feedbacks and the number of transmissions;

Calculate the security score according to the personnel and the correction ratio, and correct the loan amount and loan duration according to the security score, overdue frequency and overdue duration;

Among them, the personnel score is based on a percentage system; the personnel in the social address book are all givers of the information sending authority.

In the above evaluation process, on the one hand, the user's score is determined based on the scores of each person; on the other hand, the number of feedbacks and the number of sending is also considered. High score; for example, if for a certain user, only one or two of his friends gave him a high or low score, and the rest did not score, then his final score should depend on the corresponding unscored score. The default score, not the one or two high or low scores.

FIG. 3 is a second sub-flow block diagram of the method for flexible configuration of loan deduction methods. The steps of determining deductible atomic items according to the loan parameters, arranging the deductible atomic items, and obtaining atomic item lists in different orders include steps S301 to S301 to Step S302:

Step S301: Input the loan parameters into the trained periodic task loan cost calculation model, and determine the deductible atomic items; the deductible atomic items include early repayment fee items, penalty interest items, loan fee items, and interest items and principal items;

Step S302: Arrange each deductible atomic item to obtain an atomic item list containing a sequence label; the label is used to represent the arrangement order of each deductible atomic item in the atomic item list.

In the above content, there can be many types of deductible atomic items, generally including the above five items; by arranging these deductible atomic items, different atomic item lists can be obtained, and these atomic item lists themselves contain sequence characteristics, Any list of atomic items can be used as a deduction strategy.

Fig. 4 is a third sub-flow block diagram of the method for flexible configuration of loan deduction methods. The repayment request including the repayment amount sent by the user is received, and the deductible atomic items in the atomic item list are updated according to the deduction policy, and according to the update The steps of updating the deduction policy for the subsequent deduction atomic items include steps S501 to S504:

Step S501: Receive a repayment request containing the repayment amount sent by the user, and query the deduction policy of the user;

Step S502: Calculate the repayment amount of each deductible atomic item in the deduction policy in turn, compare the repayment amount with the repayment amount, and update the corresponding deduction when the repayment amount is greater than the repayment amount Atomic items and repayments;

Step S503: when the repayment amount is less than the repayment amount, after updating the corresponding deduction atomic item based on the repayment amount, a stop instruction is generated;

Step S504: query all atomic item lists according to the sequence label, and update all atomic item lists according to the updated deductible atomic items; when receiving a policy replacement request containing sequence labels input by the user, in the updated list of all atomic items Select a list of atomic items as the deduction policy.

Steps S501 to S504 are the specific execution process. It should be noted that when the repayment amount is less than the repayment amount, there are two operation methods after updating the corresponding deducted atomic item based on the repayment amount. One is to stop the item. The update of the deductible atomic item directly generates a stop instruction, and the second is to continue to update the deductible atomic item with the existing repayment amount until the repayment amount is zero.

Example 2

FIG. 5 is a structural block diagram of a system for flexible configuration of loan deduction methods. In an embodiment of the present invention, a system for flexible configuration of loan deduction methods is provided. The system 10 includes:

The request receiving module 11 is used for receiving the loan request containing the user information sent by the user;

Loan parameter determination module 12, configured to perform risk analysis on the user information, and determine loan parameters according to the risk analysis result; the loan parameters include loan amount, loan term and loan interest rate;

The atomic item determination module 13 is configured to determine the deductible atomic items according to the loan parameters, arrange the deductible atomic items, and obtain atomic item lists in different orders;

The strategy selection generation module 14 is used to select a certain atomic item list from the atomic item lists in different orders as a deduction strategy;

The data updating module 15 is configured to receive a repayment request including the repayment amount sent by the user, update the deductible atomic items in the atomic item list according to the deduction policy, and update the deduction policy according to the updated deductible atomic items.

Further, the request receiving module includes:

The times generating unit is used to set the request times to one when receiving the loan request sent by the user;

an information query unit, configured to obtain the login information containing the user ID, and query the user registration information corresponding to the login information in a preset information database;

an information comparison unit, for comparing the login information containing the user ID and the user registration information, and passing the verification when the login information containing the user ID is the same as the user registration information;

The port control unit is used to compare the number of requests with a preset number of times threshold when the login information containing the user ID is different from the user registration information, and when the number of requests is less than the number of times threshold, cyclically receive the data sent by the user. Loan requests are made, and the number of requests is accumulated; when the number of requests reaches a preset number of times threshold, the loan request receiving port is closed.

6 is a block diagram of the composition structure of the loan parameter determination module 12 in the flexible configuration system for loan deduction methods. The loan parameter determination module 12 includes:

A quota and duration query unit 121, used to obtain the state of the collateral, and determine the loan amount and the duration of the loan according to the state of the collateral; the state of the collateral is a preset value;

The repayment record query unit 122 is used to obtain the repayment record of the user, and determine the overdue frequency and overdue duration;

A limit and duration correction unit 123, configured to obtain user evaluation information, and to modify the loan amount and loan duration according to the evaluation information, overdue frequency and overdue duration;

The interest rate calculation unit 124 is configured to input the loan amount and loan duration into the trained interest rate calculation formula to obtain the loan interest rate.

7 is a block diagram of the composition and structure of the atomic item determination module 13 in the flexible configuration system for loan deduction methods. The atomic item determination module 13 includes:

The model analysis unit 131 is configured to input the loan parameters into the trained periodic task loan fee calculation model, and determine the deductible atomic items; the deductible atomic items include early repayment fee items, penalty interest items, loan fee items items, interest items and principal items;

The arranging unit 132 is used for arranging each deductible atomic item to obtain an atomic item list containing a sequence label; the label is used to represent the arrangement order of each deductible atomic item in the atomic item list.

The functions that can be realized by the flexible configuration method of loan deduction methods are all completed by computer equipment, and the computer equipment includes one or more processors and one or more memories, and the one or more memories store at least one Program code, the program code being loaded and executed by the one or more processors to implement the functions of the method for flexibly configuring the loan deduction method.

The processor fetches the instructions one by one from the memory, analyzes the instructions, and then completes the corresponding operations according to the requirements of the instructions, and generates a series of control commands, so that each part of the computer acts automatically, continuously and in coordination, forming an organic whole, realizing the input of the program and the data transfer. Input and operation and output results, the arithmetic operation or logical operation generated in this process are all completed by the operator; the memory includes a read-only memory (Read-Only Memory, ROM), and the read-only memory is used for storing computer programs. , and a protection device is provided outside the memory.

Exemplarily, a computer program may be divided into one or more modules, and the one or more modules are stored in a memory and executed by a processor to accomplish the present invention. One or more modules may be a series of computer program instruction segments capable of accomplishing specific functions, and the instruction segments are used to describe the execution process of the computer program in the terminal device.

Those skilled in the art can understand that the above description of the service device is only an example, and does not constitute a limitation on the terminal device, and may include more or less components than the above description, or combine some components, or different components, such as It can include input and output devices, network access devices, buses, etc.

The processor may be a central processing unit (Central Processing Unit, CPU), other general-purpose processors, digital signal processors (Digital Signal Processor, DSP), application specific integrated circuits (Application Specific Integrated Circuit, ASIC), off-the-shelf processors Field-Programmable Gate Array (FPGA) or other programmable logic devices, discrete gate or transistor logic devices, discrete hardware components, etc. The general-purpose processor can be a microprocessor or the processor can also be any conventional processor, etc. The above-mentioned processor is the control center of the above-mentioned terminal equipment, and uses various interfaces and lines to connect various parts of the entire user terminal.

The above-mentioned memory can be used to store computer programs and/or modules, and the above-mentioned processor implements various functions of the above-mentioned terminal device by running or executing the computer programs and/or modules stored in the memory and calling the data stored in the memory. The memory can mainly include a stored program area and a stored data area, wherein the stored program area can store the operating system, application programs required for at least one function (such as information collection template display function, product information release function, etc.), etc.; Store the data created according to the use of the berth status display system (such as product information collection templates corresponding to different product types, product information that different product providers need to publish, etc.), etc. In addition, the memory may include high-speed random access memory, and may also include non-volatile memory such as hard disk, internal memory, plug-in hard disk, Smart Media Card (SMC), Secure Digital (SD) card , a flash card (Flash Card), at least one magnetic disk storage device, flash memory device, or other volatile solid-state storage device.

If the modules/units integrated in the terminal equipment are implemented in the form of software functional units and sold or used as independent products, they may be stored in a computer-readable storage medium. Based on this understanding, the present invention realizes all or part of the modules/units in the system of the above-mentioned embodiments, and can also be completed by instructing the relevant hardware through a computer program, and the above-mentioned computer program can be stored in a computer-readable storage medium, the computer When the program is executed by the processor, the functions of the above system embodiments can be implemented. Wherein, the computer program includes computer program code, and the computer program code may be in the form of source code, object code, executable file or some intermediate forms, and the like. Computer-readable media may include: any entity or device capable of carrying computer program code, recording media, USB flash drives, removable hard disks, magnetic disks, optical discs, computer memory, read-only memory (ROM, Read-Only Memory), random access Memory (RAM, Random Access Memory), electric carrier signal, telecommunication signal and software distribution medium, etc.

It should be noted that, herein, the terms "comprising", "comprising" or any other variation thereof are intended to encompass non-exclusive inclusion, such that a process, method, article or device comprising a series of elements includes not only those elements, It also includes other elements not expressly listed or inherent to such a process, method, article or apparatus. Without further limitation, an element qualified by the phrase "comprising a..." does not preclude the presence of additional identical elements in a process, method, article or apparatus that includes the element.

The above are only preferred embodiments of the present invention, and are not intended to limit the scope of the present invention. Any equivalent structure or equivalent process transformation made by using the contents of the description and drawings of the present invention, or directly or indirectly applied in other related technical fields , are similarly included in the scope of patent protection of the present invention.

Claims (7)

1. A method for flexibly configuring a loan deduction method, wherein the method comprises: Receive loan requests containing user information sent by users; Carry out risk analysis on the user information, and determine loan parameters according to the risk analysis results; the loan parameters include loan amount, loan term and loan interest rate; Determine the deductible atomic items according to the loan parameters, arrange the deductible atomic items, and obtain atomic item lists in different orders; Select a certain atomic item list from the atomic item list in different order as the deduction policy; Receive the repayment request containing the repayment amount sent by the user, update the deductible atomic items in the atomic item list according to the deduction policy, and update the deduction policy according to the updated deductible atomic items; The steps of determining the deductible atomic items according to the loan parameters, arranging the deductible atomic items, and obtaining atomic item lists in different orders include: Input the loan parameters into the trained periodic task loan cost calculation model, and determine the deductible atomic items; the deductible atomic items include the early repayment fee item, penalty interest item, loan fee item, interest item and principal item; Arrange each deductible atomic item to obtain an atomic item list containing a sequence label; the label is used to represent the arrangement order of each deductible atomic item in the atomic item list; The steps of receiving the repayment request containing the repayment amount sent by the user, updating the deduction atomic items in the atomic item list according to the deduction policy, and updating the deduction policy according to the updated deduction atomic items include: Receive the repayment request containing the repayment amount sent by the user, and query the user's deduction policy; Calculate the repayment amount of each deductible atomic item in the deduction strategy in turn, compare the repayment amount with the repayment amount, and update the corresponding deductible atomic item and the repayment amount when the repayment amount is greater than the repayment amount. repayment amount; When the repayment amount is less than the due repayment amount, after updating the corresponding deduction atomic item based on the repayment amount, a stop instruction is generated; Query all atomic item lists according to the sequence label, and update all atomic item lists according to the updated deductible atomic items; when receiving a policy replacement request with sequence labels input by the user, select a certain atomic item list from the updated list of all atomic items. A list of atomic items as a deduction policy. 2. The flexible configuration method of loan deduction mode according to claim 1, wherein the step of receiving the loan request containing user information sent by the user comprises: When receiving the loan request sent by the user, set the number of requests to one; Obtain the login information containing the user ID, and query the user registration information corresponding to the login information in a preset information database; Compare the login information containing the user ID and the user registration information, and pass the verification when the login information containing the user ID is the same as the user registration information; 3. When the login information containing the user ID is different from the user registration information, compare the number of requests with the preset number of times threshold, and when the number of requests is less than the number of times threshold, receive the loan request sent by the user in a loop, and Accumulate the number of requests; when the number of requests reaches a preset number threshold, close the loan request receiving port. The method for flexible configuration of loan deduction methods according to claim 1, wherein the step of performing risk analysis on the user information, and determining loan parameters according to the risk analysis result comprises: Obtain the collateral status, and determine the loan amount and loan duration according to the collateral status; Obtain the user's repayment records, and determine the overdue frequency and overdue duration; Obtain the user's evaluation information, and modify the loan amount and loan duration according to the evaluation information, overdue frequency and overdue duration; Input the loan amount and loan duration into the trained interest rate calculation formula to obtain the loan interest rate. 4. The flexible configuration method of loan deduction method according to claim 3, is characterized in that, described obtaining user's evaluation information, according to evaluation information, overdue frequency and overdue duration, the step of revising loan amount and loan duration comprises: Read the social address book in the user information, randomly send a scoring request to each person based on the social address book, and record the number of sending; Receive the score from the personnel, record the number of feedbacks, and generate a correction ratio according to the number of feedbacks and the number of transmissions; Calculate the security score according to the personnel and the correction ratio, and correct the loan amount and loan duration according to the security score, overdue frequency and overdue duration; Among them, the personnel score is based on a percentage system; the personnel in the social address book are all givers of the information sending authority. 5. A system for flexible configuration of loan deduction methods, characterized in that the system comprises: The request receiving module is used to receive the loan request containing the user information sent by the user; a loan parameter determination module, configured to perform risk analysis on the user information, and determine loan parameters according to the risk analysis result; the loan parameters include loan amount, loan term and loan interest rate; The atomic item determination module is used to determine the deductible atomic items according to the loan parameters, arrange the deductible atomic items, and obtain the atomic item lists in different orders; The strategy selection generation module is used to select a certain atomic item list from the atomic item list in different order as a deduction strategy; The data update module is used to receive the repayment request containing the repayment amount sent by the user, update the deductible atomic items in the atomic item list according to the deduction policy, and update the deduction policy according to the updated deductible atomic items; The atomic item determination module includes: The model analysis unit is used to input the loan parameters into the trained periodic task loan cost calculation model, and determine the deductible atomic items; the deductible atomic items include early repayment fee items, penalty interest items, loan fee items , interest and principal; an arrangement unit for arranging each deductible atomic item to obtain an atomic item list containing a sequence label; the label is used to represent the arrangement order of each deductible atomic item in the atomic item list; The described receiving a repayment request containing the repayment amount sent by the user, updating the deductible atomic items in the atomic item list according to the deduction policy, and updating the deduction policy according to the updated deductible atomic items includes: Receive the repayment request containing the repayment amount sent by the user, and query the user's deduction policy; Calculate the repayment amount of each deductible atomic item in the deduction strategy in turn, compare the repayment amount with the repayment amount, and update the corresponding deductible atomic item and the repayment amount when the repayment amount is greater than the repayment amount. repayment amount; When the repayment amount is less than the due repayment amount, after updating the corresponding deduction atomic item based on the repayment amount, a stop instruction is generated; Query all atomic item lists according to the sequence label, and update all atomic item lists according to the updated deductible atomic items; when receiving a policy replacement request with sequence labels input by the user, select a certain atomic item list from the updated list of all atomic items. A list of atomic items as a deduction policy. 6. The system for flexible configuration of loan deduction methods according to claim 5, wherein the request receiving module comprises: The times generating unit is used to set the request times to one when receiving the loan request sent by the user; an information query unit, configured to obtain the login information containing the user ID, and query the user registration information corresponding to the login information in a preset information database; an information comparison unit, for comparing the login information containing the user ID and the user registration information, and passing the verification when the login information containing the user ID is the same as the user registration information; The port control unit is used to compare the number of requests with a preset number of times threshold when the login information containing the user ID is different from the user registration information, and when the number of requests is less than the number of times threshold, cyclically receive the data sent by the user. Loan requests are made, and the number of requests is accumulated; when the number of requests reaches a preset number of times threshold, the loan request receiving port is closed. 7. The system for flexible configuration of loan deduction methods according to claim 5, wherein the loan parameter determination module comprises: The quota duration query unit is used to obtain the state of the collateral, and determine the loan amount and the loan duration according to the state of the collateral; the state of the collateral is a preset value; The repayment record query unit is used to obtain the user's repayment record and determine the overdue frequency and overdue duration; A quota and duration correction unit, used to obtain user evaluation information, and to correct the loan amount and loan duration according to the evaluation information, overdue frequency and overdue duration; The interest rate calculation unit is used to input the loan amount and loan duration into the trained interest rate calculation formula to obtain the loan interest rate.

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