CN115311077A

CN115311077A - Loan information processing method, server, application end and system

Info

Publication number: CN115311077A
Application number: CN202210979802.6A
Authority: CN
Inventors: 林慕云; 刘姗姗; 曹尔哲; 吴欢
Original assignee: Industrial and Commercial Bank of China Ltd ICBC
Current assignee: Industrial and Commercial Bank of China Ltd ICBC
Priority date: 2022-08-16
Filing date: 2022-08-16
Publication date: 2022-11-08

Abstract

The invention provides a loan information processing method, a server, an application end and a system, in particular to the financial field, wherein the method comprises the following steps: determining loan records and transaction contracts of a plurality of transaction parties associated with the loan parties according to loan request information sent by an application end; obtaining corresponding time information, amount information and quantity information based on the plurality of loan records, and determining the performance capability value of the transaction party based on the time information, the amount information and the quantity information; determining the loan amount of the lender based on the performance values of the multiple transaction parties, the transaction amount of the transaction contract and the number of transaction intermediate parties between the multiple transaction parties and the lender; and sending the loan amount to the application end so that the application end completes loan information processing with the loan party according to the loan amount. The invention can improve the speed and the accuracy of determining the loan amount, thereby improving the speed and the accuracy of processing loan information and further improving the experience of a loan party and the income of a bank.

Description

Loan information processing method, server, application end and system

Technical Field

The invention relates to the technical field of supply chain loan service processing, in particular to the financial field, and particularly relates to a loan information processing method, a loan information processing server, an application end and a loan information processing system.

Background

In the service of supply chain loan, various processes need to be performed on loan information of a lender and related transaction parties in the upstream and downstream of the supply chain, so that the lender can smoothly perform loan when determining that the qualification of the lender meets the corresponding loan requirement. In the loan information processing, the determination of the loan amount of the lender is an important part, the loan amount of the lender is determined according to the relevant condition of the lender, and the loan amount of the lender is limited based on the loan amount, so that the allowed loan amount of the lender cannot exceed the amount corresponding to the repayment capability of the lender, the occurrence of overdue repayment or insufficient repayment of the lender can be reduced, and the bank can earn income through repayment and corresponding interest in time.

However, in the existing loan information processing method, the allowed loan amount of the lender is determined mainly by relying on the relevant staff to perform processing such as analysis, calculation, screening and the like on a large amount of information of the lender and relevant transaction parties in the upstream and downstream of the supply chain, but the quantity of the relevant loan information is huge, and the processing speed of the loan information is slow by a manual mode, so that the process from receiving loan request information to determining the loan amount is long, the time consumption of the whole loan information processing is long, the speed is slow, the lender needs to wait for a long time after requesting loan to obtain the loan amount after determining the loan amount, and the experience of the lender needs to be improved.

Moreover, the accuracy of determining the loan amount mainly depends on the working experience and the working capacity of the staff, the accuracy is low, so that the accuracy of processing the whole loan information is low, the determined loan amount is possibly far higher than the amount corresponding to the repayment capacity of the loan party, further, the subsequent inability of the loan party to repay the debt is possibly caused, the economic loss of a bank is caused, and the income of the bank is not favorably improved, or the determined loan amount is possibly lower than the amount corresponding to the repayment capacity of the loan party, so that the loan party produces an unsatisfied mood due to the fact that the corresponding loan amount is too small, thereby abandoning the loan, and the bank loses the opportunity of earning the income by obtaining the interest of the subsequent repayment while the experience of the loan party is poor.

In summary, the conventional loan information processing method has low speed and accuracy for determining the loan amount, so that the speed and accuracy for processing the loan information are low, and the improvement of the experience of a borrower and the income of a bank is not facilitated.

Disclosure of Invention

The invention aims to provide a loan information processing method to solve the problems that in the prior art, the speed and the accuracy of loan amount determination are low, so that the speed and the accuracy of loan information processing are low, and further, the experience of a lender and the income of a bank are not improved favorably. Another object of the present invention is to provide a server. It is a further object of the present invention to provide an application side. It is still another object of the present invention to provide a loan information processing system. It is a further object of the present invention to provide a computer apparatus. It is a further object of this invention to provide such a readable medium.

In order to achieve the above object, an aspect of the present invention discloses a loan information processing method, the method including:

determining a plurality of loan records of a plurality of transaction parties associated with the loan party and transaction contracts with the calibrated transaction time within a preset repayment period according to loan request information sent by an application end;

obtaining corresponding time information, amount information and quantity information based on the corresponding plurality of loan records, and determining the performance capability value of the transaction party based on the time information, the amount information and the quantity information;

determining the loan amount of a lender based on the performance values corresponding to a plurality of traders, the trading amount of a trading contract and the number of trading intermediaries between the lender and the lender; and sending the loan amount to the application end so that the application end completes loan information processing with a loan party according to the loan amount.

Optionally, the determining, according to the loan request information sent by the application end, a plurality of loan records of a plurality of transaction parties associated with the loan party and a transaction contract with a calibrated transaction time within a preset repayment period includes:

obtaining lender identification information and a supplementary contract of a lender according to the loan request information;

determining transaction party identification information of the associated transaction party based on the lender identification information;

determining the corresponding loan record according to the transaction party identification information;

and determining a plurality of corresponding alternative contracts according to the lender identification information and the transaction party identification information, and determining a transaction contract with the calibrated transaction time within a preset repayment term based on the alternative contracts and the supplementary contracts.

Optionally, the determining a trade contract with a nominal trade time within a preset repayment period based on the alternative contract and the supplementary contract includes:

determining corresponding first calibration transaction time based on the alternative contracts, and determining the alternative contracts with the first calibration transaction time within a preset repayment period as transaction contracts;

and determining a corresponding second calibrated transaction time based on the supplementary contract, and determining the supplementary contract with the second calibrated transaction time within a preset repayment period as the transaction contract.

Optionally, the determining the performance capability value of the transaction party based on the time information, the amount information and the quantity information includes:

obtaining the overdue time length of the installment repayment of the historical loan and the final repayment time length from the present corresponding to the corresponding loan record according to the time information, and taking the maximum value of all the final repayment time lengths from the present corresponding to all the time information as the maximum time length from the present;

obtaining the total amount to be repayed and the default amount of the installment repayment of the historical loan corresponding to the corresponding loan record according to the amount information;

obtaining the total loan times of the historical loans corresponding to all the loan records and the installment repayment to installment number of the historical loans corresponding to the loan records according to the quantity information;

and obtaining the performance capability value according to the overdue duration, the final repayment date time, the maximum date time, the total amount to be repayed, the default amount of the installment repayment, the total loan frequency and the installment number of the installment repayment corresponding to all the loan records.

Optionally, the obtaining the performance capability value according to all the overdue durations, the final repayment durations from the present, the maximum repayment durations from the present, the total amount to be repayed, the default amount of the installment repayment, the total loan times and the installment repayment arrival number corresponding to all the loan records includes:

obtaining a performance intention coefficient corresponding to the loan record according to the maximum distance time, the final repayment distance time, the installment number and the total repayment amount;

obtaining default degree coefficients corresponding to the loan records according to the default payment amount corresponding to the multiple repayment conditions of the historical loan corresponding to the loan records and the corresponding overdue payment overdue duration;

obtaining a total repayment duration coefficient according to the total loan times and the maximum recent duration;

and obtaining the performance capability value according to the total repayment duration coefficient, the performance willingness coefficients corresponding to all the loan records and the default degree coefficient.

Optionally, the obtaining of the fulfillment willingness coefficient corresponding to the loan record according to the maximum time length from the present, the final repayment time length from the present, the installment number of the installment repayment to the present, and the total repayment sum includes:

subtracting the final repayment duration from the maximum present duration to obtain a repayment duration coefficient corresponding to the loan record;

and obtaining a performance willingness coefficient corresponding to the loan record according to the repayment duration coefficient, the installment repayment income term and the total repayment amount.

Optionally, obtaining the performance capability value according to the total repayment duration coefficient, the performance willingness coefficient and the default degree coefficient corresponding to all the loan records includes:

overlapping the performance intention coefficients corresponding to all the loan records to obtain a total performance intention coefficient;

overlapping the default degree coefficients corresponding to all the loan records to obtain a total default degree coefficient;

dividing the total performance willingness coefficient by the total default degree coefficient to obtain a first performance intermediate value;

and dividing the first performance intermediate value by the total repayment duration coefficient to obtain the performance capability value.

Optionally, the determining the loan amount of the lender based on the performance capability values corresponding to the multiple transaction parties, the transaction amount of the transaction contract, and the number of the transaction intermediate parties with the lender includes:

determining a transaction party performing direct payment or indirect payment on the lender in a transaction as a payment transaction party and determining a transaction party serving as a target of direct payment of the lender as a collection transaction party based on the transaction contract;

determining a payment transaction party with the corresponding transaction contract as the alternative contract as a first payment transaction party, and determining a payment transaction party with the corresponding transaction contract as the supplementary contract as a second payment transaction party;

obtaining the expected income amount of the lender according to the transaction amount, the performance capability value, the number of transaction intermediate parties and a preset first correction coefficient of the transaction contract corresponding to each first payment transaction party;

obtaining the expected expenditure amount of the lender according to the transaction amount of the transaction contract corresponding to each payee transaction party and a preset second correction coefficient;

obtaining the additional income amount of the lender according to the transaction amount, the performance capability value, the number of transaction intermediate parties and a preset third correction coefficient of the transaction contract corresponding to each second payment transaction party;

and obtaining the loan amount according to the expected income amount, the expected expenditure amount and the additional income amount.

Optionally, obtaining the loan amount according to the expected income amount, the expected expenditure amount, and the additional income amount includes:

subtracting the expected expenditure amount from the expected income amount to obtain a sub-amount;

and adding the additional income amount to the sub-amount to obtain the loan amount.

Optionally, further comprising:

before the expected income amount of the loan party is obtained according to the transaction amount, the performance capability value, the number of transaction intermediate parties and a preset first correction coefficient of the transaction contract corresponding to each first payment transaction party,

determining a payee serving as a payment object of the first payment transaction party based on a transaction contract corresponding to the first payment transaction party;

repeatedly executing the step of determining the payee until the payee is the loan;

taking the total number of all transaction intermediaries determined in the payee determination step as the number of transaction intermediaries;

wherein the step of determining the payee comprises:

judging whether the payee is the loan party or not, and if not, determining the payee as the transaction intermediate party;

and determining a payee serving as a payment object of the transaction intermediate party based on the transaction contract corresponding to the transaction intermediate party.

sending loan request information to a server so that the server determines a plurality of loan records of a plurality of transaction parties associated with the loan parties and transaction contracts with calibrated transaction time within a preset repayment term according to the loan request information; obtaining corresponding time information, amount information and quantity information based on the corresponding plurality of loan records, and determining the performance capability value of the transaction party based on the time information, the amount information and the quantity information; determining the loan amount of a lender and sending the loan amount based on the performance capability values corresponding to a plurality of traders, the trading amount of a trading contract and the number of trading intermediate parties between the lender and the lender;

and finishing the loan information processing with the loan party according to the loan amount.

In order to achieve the above object, another aspect of the present invention discloses a server, comprising:

the request analysis module is used for determining a plurality of loan records of a plurality of transaction parties associated with the loan party and transaction contracts of which the calibrated transaction time is within a preset repayment period according to loan request information sent by the application end;

the performance ability determining module is used for obtaining corresponding time information, money amount information and quantity information based on the corresponding plurality of loan records and determining the performance ability value of the transaction party based on the time information, the money amount information and the quantity information;

the loan amount determining module is used for determining the loan amount of the loan party based on the performance capability values corresponding to a plurality of transaction parties, the transaction amount of a transaction contract and the number of transaction intermediate parties between the loan party and the loan party; and sending the loan amount to the application end so that the application end completes loan information processing with a loan party according to the loan amount.

In order to achieve the above object, a further aspect of the present invention discloses an application terminal, comprising:

the request sending module is used for sending loan request information to the server so that the server determines a plurality of loan records of a plurality of transaction parties associated with the loan parties and transaction contracts with calibrated transaction time within a preset repayment period according to the loan request information; obtaining corresponding time information, amount information and quantity information based on the corresponding plurality of loan records, and determining the performance capability value of the transaction party based on the time information, the amount information and the quantity information; determining the loan amount of a lender and sending the loan amount based on the performance capability values corresponding to a plurality of transaction parties, the transaction amount of a transaction contract and the number of transaction intermediate parties between the loan party and the lender;

and the loan information processing module is used for finishing the loan information processing with the loan party according to the loan amount.

In order to achieve the above object, in yet another aspect, the present invention discloses a loan information processing system, including a server and an application end;

the application end is used for sending loan request information to the server;

the server is used for determining a plurality of loan records of a plurality of transaction parties associated with the loan parties and calibrating transaction contracts with transaction time within a preset repayment term according to the loan request information; obtaining corresponding time information, amount information and quantity information based on the corresponding plurality of loan records, and determining the performance capability value of the transaction party based on the time information, the amount information and the quantity information; determining the loan amount of a loan party based on the performance values corresponding to a plurality of transaction parties, the transaction amount of a transaction contract and the number of transaction intermediate parties between the loan party and the loan party; sending the loan amount to the application end;

and the application end is also used for finishing loan information processing with a loan party according to the loan amount.

The invention also discloses a computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor implements the method when executing the program.

The invention also discloses a computer-readable medium, on which a computer program is stored which, when executed by a processor, implements a method as described above.

According to the loan information processing method, the server, the application end and the system, the transaction contracts of a plurality of loan records of transaction parties associated with a loan party and the calibrated transaction time within the preset repayment period are determined according to the loan request information sent by the application end, and the analysis can be carried out based on the actual loan request information, so that the determined loan records and the transaction contracts are indeed corresponding to the transaction parties associated with the loan party on a supply chain, the accuracy of the determined loan records and the transaction contracts is higher, the steps are not complex, the speed of determining the loan records and the transaction contracts is higher, and the accuracy and the speed of integrally determining the loan amount can be improved due to the fact that the loan records and the corresponding transaction contracts are input in the subsequent step of determining the loan amount, so that the accuracy and the speed of integrally processing the loan information are improved; the method comprises the steps of obtaining corresponding time information, amount information and quantity information based on a plurality of corresponding loan records, determining a performance capability value of a transaction party based on the time information, the amount information and the quantity information, further analyzing the loan records, and determining the corresponding performance capability value based on a plurality of loan information of the transaction party, wherein the loan information is actually related to loan repayment capability of the transaction party, so that the performance capability value accurately and fully reflects the actual performance capability of the transaction party in transaction. Determining the loan amount of a lender based on the performance capability values corresponding to a plurality of traders, the trading amount of a trading contract and the number of trading intermediaries between the lender and the lender; sending the loan amount to the application end so that the application end completes loan information processing with a loan party according to the loan amount, can comprehensively consider the performance capability and the corresponding transaction amount of a plurality of related transaction parties in a supply chain to determine the loan amount, the performance capability represents the possibility that the transaction party pays on schedule in the transaction and the possibility that the actual payment amount meets the contractual provisions, the transaction amount of the transaction contract represents the upper limit of the amount directly or indirectly paid to the lender by the transaction party in the transaction, therefore, the comprehensive consideration of the performance ability and the transaction amount can measure the amount of money which is timely paid to the lender by a plurality of related transaction parties, the loan party can repay the loan and the corresponding interest by the amount paid by the transaction party to a great extent, so the steps can accurately determine the loan amount corresponding to the loan party, and the amount of the transaction intermediate parties between the transaction party and the lending party (because the amount of the payment of the transaction party can be transferred to the lending party for a plurality of times and then indirectly reaches the lending party, the amount of the actual amount of the payment of the transaction party corresponding to the amount of the payment of the transaction party can be changed to different degrees) can reflect the relationship between the amount of the actual payment of the transaction party in the transaction and the corresponding amount of the actual amount of the payment of the lending party, the above steps can further improve the accuracy of the determined loan amount based on the number of transaction intermediaries, moreover, the amount of data involved in the above steps is not so large and the amount of data information involved in the lender itself is reduced, and the calculation complexity of the related analysis and calculation process is lower, the speed of determining the loan amount is higher, therefore, the steps can improve the accuracy and speed of the overall loan amount determination, and the accuracy and speed of the overall loan information processing are improved. The loan information processing method can realize automatic execution in the forms of programs, software or applications and the like, greatly reduce the dependence degree on manpower and the error probability, and further greatly improve the speed and the accuracy of loan information processing. The speed of loan information processing is improved, so that the lender can obtain the loan amount without waiting for a long time in the process of applying for the loan, and the experience of the lender is improved. Moreover, because the accuracy of the determined loan amount is higher, the probability that the loan party repays the loan and the corresponding interest on time according to the amount is extremely high on the premise that the loan party is allowed to carry out the corresponding loan, thereby being beneficial to the bank to earn the income through the corresponding interest in time and improving the income of the bank. In summary, the loan information processing method, the server, the application terminal and the system provided by the invention can improve the speed and the accuracy of determining the loan amount, thereby improving the speed and the accuracy of processing the loan information and further improving the experience of a loan party and the income of a bank.

Drawings

In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to the drawings without creative efforts.

Fig. 1 is a schematic diagram showing a loan information processing system according to an embodiment of the invention;

fig. 2 is a flowchart illustrating a loan information processing method of a server according to an embodiment of the invention;

FIG. 3 is a schematic diagram illustrating an alternative step of determining a performance level according to an embodiment of the invention;

FIG. 4 is a schematic diagram illustrating an alternative loan amount obtaining step according to an embodiment of the invention;

fig. 5 is a flowchart illustrating a loan information processing method on the application side according to an embodiment of the invention;

FIG. 6 shows a block diagram of a server according to an embodiment of the invention;

FIG. 7 is a block diagram of an application in accordance with an embodiment of the present invention;

FIG. 8 shows a schematic block diagram of a computer device suitable for use in implementing embodiments of the present invention.

Detailed Description

The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.

The terms "first," "second," "8230," "8230," and the like, as used herein, are not intended to be limited to a specific meaning or sequence, nor are they intended to limit the invention, but only to distinguish one element from another or to distinguish one element from another element.

As used herein, the terms "comprising," "including," "having," "containing," and the like are open-ended terms that mean including but not limited to.

As used herein, "and/or" includes any and all combinations of the described items.

It should be noted that, in the technical solution of the present invention, the acquisition, storage, use, processing, etc. of the data all conform to the relevant regulations of the national laws and regulations.

The embodiment of the invention discloses a loan information processing system, which comprises a server 101 and an application end 102, as shown in fig. 1;

the application terminal 102 is configured to send loan request information to the server 101;

the server 101 is used for determining a plurality of loan records of a plurality of transaction parties associated with the loan party and transaction contracts with the calibrated transaction time within a preset repayment period according to the loan request information; obtaining corresponding time information, amount information and quantity information based on the corresponding plurality of loan records, and determining the performance capability value of the transaction party based on the time information, the amount information and the quantity information; determining the loan amount of a lender based on the performance values corresponding to a plurality of traders, the trading amount of a trading contract and the number of trading intermediaries between the lender and the lender; sending the loan amount to the application end 102;

the application end 102 is also used for finishing loan information processing with a loan party according to the loan amount.

For example, the server 101 and the application terminal 102 may be integrally configured or may be separately configured, and the specific configuration manner of the server 101 and the application terminal 102 is not limited in the embodiment of the present invention.

The following describes an implementation procedure of the loan information processing method according to the embodiment of the present invention, taking the server 101 as an execution subject. It is understood that the executing entity of the loan information processing method provided by the embodiment of the invention includes, but is not limited to, the server 101.

Based on this, the embodiment of the present invention discloses a loan information processing method, as shown in fig. 2, the method specifically includes the following steps:

s201: according to the loan request information sent by the application end, a plurality of loan records of a plurality of transaction parties associated with the loan parties and transaction contracts with the calibrated transaction time within a preset repayment period are determined.

S202: and obtaining corresponding time information, amount information and quantity information based on the corresponding plurality of loan records, and determining the performance capability value of the transaction party based on the time information, the amount information and the quantity information.

S203: determining the loan amount of a lender based on the performance values corresponding to a plurality of traders, the trading amount of a trading contract and the number of trading intermediaries between the lender and the lender; and sending the loan amount to the application end so that the application end completes loan information processing with a loan party according to the loan amount.

For example, since the corresponding time information, amount information, and amount information are included in the loan record, the corresponding time information, amount information, and amount information can be directly obtained based on the corresponding plurality of loan records.

According to the loan information processing method, the server, the application end and the system, the transaction contracts of a plurality of loan records of transaction parties associated with a loan party and the calibrated transaction time within the preset repayment period are determined according to the loan request information sent by the application end, and the analysis can be carried out based on the actual loan request information, so that the determined loan records and the transaction contracts are indeed corresponding to the transaction parties associated with the loan party on a supply chain, the accuracy of the determined loan records and the transaction contracts is higher, the steps are not complex, the speed of determining the loan records and the transaction contracts is higher, and the accuracy and the speed of integrally determining the loan amount can be improved due to the fact that the loan records and the corresponding transaction contracts are input in the subsequent step of determining the loan amount, so that the accuracy and the speed of integrally processing the loan information are improved; the method comprises the steps of obtaining corresponding time information, amount information and quantity information based on a plurality of corresponding loan records, determining a performance capability value of a transaction party based on the time information, the amount information and the quantity information, further analyzing the loan records, and determining the corresponding performance capability value based on a plurality of loan information of the transaction party, wherein the loan information is actually related to loan repayment capability of the transaction party, so that the performance capability value accurately and fully reflects the actual performance capability of the transaction party in transaction. Determining the loan amount of a lender based on the performance capability values corresponding to a plurality of traders, the trading amount of a trading contract and the number of trading intermediaries between the lender and the lender; sending the loan amount to the application end so that the application end completes loan information processing with a loan party according to the loan amount, can comprehensively consider the performance capability and the corresponding transaction amount of a plurality of related transaction parties in a supply chain to determine the loan amount, the performance capability represents the possibility that the transacting party pays on schedule in the transaction and the possibility that the actual payment amount meets the contract stipulation, the transaction amount of the transaction contract represents the upper limit of the amount directly or indirectly paid by the transacting party to the lending party in the transaction, therefore, the comprehensive consideration of the performance capability and the transaction amount can measure the amount of money which is paid to a lender by a plurality of related transaction parties in time, the loan party can repay the loan and the corresponding interest by the amount paid by the transaction party to a great extent, so the steps can accurately determine the loan amount corresponding to the loan party, and the amount of the transaction intermediate parties between the transaction party and the lending party (because the amount of the payment of the transaction party can be transferred to the lending party for a plurality of times and then indirectly reaches the lending party, the amount of the actual amount of the payment of the transaction party corresponding to the amount of the payment of the transaction party can be changed to different degrees) can reflect the relationship between the amount of the actual payment of the transaction party in the transaction and the corresponding amount of the actual amount of the payment of the lending party, the above steps can further improve the accuracy of the determined loan amount based on the number of transaction intermediaries, moreover, the amount of data involved in the above steps is not so large and the amount of data information involved in the lender itself is reduced, and the calculation complexity of the relevant analysis and calculation process is lower, the speed of determining the loan amount is higher, therefore, the steps can improve the accuracy and speed of the overall loan amount determination, and thus the accuracy and speed of the overall loan information processing are improved. The loan information processing method can realize automatic execution in the forms of programs, software or applications and the like, greatly reduce the dependence degree on manpower and the error probability, and further greatly improve the speed and the accuracy of loan information processing. The speed of loan information processing is improved, so that the lender can obtain the loan amount without waiting for a long time in the process of applying for the loan, and the experience of the lender is improved. Moreover, the determined loan amount has higher accuracy, so that the loan party has extremely high probability of repaying the loan and the corresponding interest on time in quantity on the premise of being allowed to carry out the corresponding loan, thereby being beneficial to the bank to earn the income through the corresponding interest in time and improving the income of the bank. In conclusion, the loan information processing method, the loan information processing server, the loan information processing application terminal and the loan information processing system can improve the speed and the accuracy of determining the loan amount, so that the speed and the accuracy of processing the loan information are improved, and the experience of a loan party and the income of a bank are improved.

In an optional embodiment, the determining, according to the loan request information sent by the application, a plurality of loan records of a plurality of transaction parties associated with the loan party and a transaction contract with a calibrated transaction time within a preset repayment period includes:

determining the corresponding loan record according to the trading party identification information;

and determining a plurality of corresponding alternative contracts according to the lender identification information and the trading party identification information, and determining a trading contract with the calibrated trading time within a preset repayment term based on the alternative contracts and the supplementary contracts.

For example, the loan request information may be in the form of, but is not limited to, a message, a packet, a stream or a frame, etc. The loan request information includes, but is not limited to, lender identification information, a replenishment contract, related description information, a request tag, and the like of the lender, and since the loan request information includes the lender identification information and the replenishment contract, the loan request information can be directly analyzed and extracted to obtain the lender identification information and the replenishment contract of the lender. It should be noted that, the specific form and content of the loan request information and the specific implementation manner of obtaining the lender identification information and the replenishment contract of the lender according to the loan request information may be determined by those skilled in the art according to the actual situation, and the above description is only an example, and is not limited thereto.

For example, the lender identification information may be, but is not limited to, a unique identifier of the lender, a business name, a personal name or a credit code, etc., and it should be noted that specific contents of the lender identification information may be determined by those skilled in the art according to practical situations, and the above description is only an example and is not limited thereto.

For example, the transaction party identification information may be, but is not limited to, a unique identification of the transaction party, a business name, a personal name or a credit code, etc., and it should be noted that specific contents of the transaction party identification information may be determined by those skilled in the art according to practical situations, and the above description is only an example, and is not limited thereto.

For example, the supplementary contract may be, but is not limited to, a contract that the lender actively submits when applying for loan from the bank and is transacted with a certain transacting party, and not a contract that is subsequently called based on the identification information, it should be noted that the specific nature of the supplementary contract may be determined by those skilled in the art according to the actual situation, and the above description is only an example, and is not limiting.

For example, the determining of the transaction party identification information of the associated transaction party based on the lender party identification information may be, but is not limited to, performing a query in a related database or system using the lender party identification information, obtaining information of various transactions related to the lender party, and extracting corresponding transaction party identification information from the information of various transactions related to the lender party. The transaction party may be, but is not limited to, a transaction party that directly or indirectly transacts with the lending party, for example, if the lending party is a, there are other parties B, C, D, and E, but a and B transact, B transact with C, C and D transact, and D directly transact with a, it can be seen that B directly transacts with a, C indirectly transacts with a, D directly and indirectly transacts with a, and E does not directly or indirectly transact with a, and then the associated transaction parties are determined to be B, C, and D. It should be noted that, for the specific implementation manner of determining the transaction party identification information of the associated transaction party based on the loan party identification information, the implementation manner may be determined by those skilled in the art according to practical situations, and the foregoing description is only an example, and is not limited thereto.

For example, the determining the corresponding loan record according to the transaction party identification information may be, but is not limited to, querying a related database or system of a bank using the transaction party identification information to obtain the loan record of the transaction party. It should be noted that, for the specific implementation manner of determining the corresponding loan record according to the transaction party identification information, the specific implementation manner may be determined by those skilled in the art according to actual situations, and the foregoing description is only an example, and is not limited thereto.

For example, the determining of the corresponding multiple alternative contracts according to the lender identification information and the transaction party identification information may be, but is not limited to, performing query in a related database or system using the lender identification information and the transaction party identification information, and determining that the contracts of the transactions of the two parties, which are the lender and the transaction party respectively, are the alternative contracts. It should be noted that, the specific implementation manner of determining the corresponding multiple alternative contracts according to the lender identification information and the transaction party identification information may be determined by those skilled in the art according to actual situations, and the above description is only an example, and does not limit this.

For example, the contract may record the time at which the transaction was made, i.e., a nominal transaction time, which may be earlier than the current time or later or at the current time. The preset repayment duration may be determined by a person skilled in the art according to actual conditions, and the embodiment of the present invention is not limited thereto, for example, the preset repayment duration may be within one year in the future, within 6 months in the future, or within 3 months in the future. It should be noted that, for the specific implementation manner of determining the trade contract with the calibrated trade time within the preset repayment period based on the alternative contract and the supplementary contract, the above description is only an example, and is not limited thereto, which can be determined by the person skilled in the art according to the actual situation.

Through the steps, the loan request information can be further analyzed in detail to accurately obtain the lender identification information corresponding to the lender and the supplementary contract uploaded by the lender, and because the lender identification information has stronger uniqueness and the identification information is suitable for being used as input for inquiring various related information, a series of inquiry analysis is performed to determine the corresponding transaction contract based on the lender identification information, so that the accuracy of determining alternative contracts can be obviously improved, and the accuracy of the determined transaction contract is improved. In addition, the steps only relate to simple query processing steps, the time consumption is short, and therefore the speed of determining the transaction contract is high. Therefore, the steps can improve the accuracy and speed of the overall loan amount determination.

In an alternative embodiment, said determining a trade contract with a nominal trade time within a preset repayment period based on said alternative contract and supplementary contract comprises:

determining corresponding first calibration transaction time based on the alternative contract, and determining the alternative contract with the first calibration transaction time within a preset repayment period as a transaction contract;

For example, since the candidate contract describes the corresponding first calibrated trade time, the corresponding first calibrated trade time can be determined directly based on the candidate contract.

Illustratively, the predetermined repayment term is a term after the current time, and may be, for example, but not limited to, within one year in the future (for example, if the current time is 1 month and 1 day in 2020, the repayment term is 1 month and 1 day in 2020 to 1 month and 1 day in 2021 year), within 6 months in the future (for example, if the current time is 1 month and 1 day in 2020, the repayment term is 1 month and 1 day in 2020 to 7 months and 1 day in 2020), or within 3 months in the future (for example, if the current time is 1 month and 1 day in 2020, the repayment term is 1 month and 1 day in 2020 to 4 months and 1 day in 2020), and the like. It should be noted that the preset repayment period can be determined by those skilled in the art according to actual situations, and the above description is only an example and is not limited thereto.

For example, since the supplementary contract describes the corresponding second calibrated transaction time, the corresponding second calibrated transaction time can be determined directly based on the supplementary contract.

Through the steps, the alternative contracts and the supplementary contracts can be screened more finely and respectively, the contracts with the transaction time within the repayment period are determined, the probability of missing the transaction contracts during screening is further reduced, the accuracy of determining the corresponding transaction contracts is further improved, moreover, the transaction contracts with the transaction time within the preset repayment period are screened, the fund corresponding to the transaction contracts can be ensured to flow within the period that a loan party should repay the loan, and therefore the fund corresponding to the transaction contracts is more likely to be used for repayment of the loan for the loan party, and therefore, the accuracy of determining the loan amount of the loan amount based on the transaction amount corresponding to the contracts in the subsequent steps is further improved through the steps

In an alternative embodiment, as shown in fig. 3, the determining the performance level of the transaction party based on the time information, the amount information and the amount information includes the steps of:

s301: and obtaining the overdue time length of the installment repayment of the historical loan corresponding to the corresponding loan record and the final repayment time length from the present according to the time information, and taking the maximum value of all the final repayment time lengths from the present corresponding to all the time information as the maximum time length from the present.

S302: and obtaining the total amount to be repayed and the default amount of the installment repayment of the historical loan corresponding to the corresponding loan record according to the amount information.

S303: and obtaining the total loan times of the historical loans corresponding to all the loan records and the installment repayment and period number of the historical loans corresponding to the loan records according to the quantity information.

S304: and obtaining the performance capability value according to the overdue duration, the final repayment date time, the maximum repayment date time, the total repayment amount, the default payment amount of the installment repayment, the total loan times and the number of the installment repayment to date corresponding to all the loan records.

For example, a transaction party can correspond to a plurality of loan records, one loan record corresponds to a historical loan, one historical loan corresponds to a plurality of repayment periods, one repayment period corresponds to an overdue time length of a installment repayment, one historical loan corresponds to a final repayment time length from the present, and the maximum time length from the present corresponds to the maximum value of a plurality of final repayment time lengths from the present corresponding to a plurality of historical loans.

Illustratively, the time information comprises the overdue time of the installment repayment and the time of the final repayment from the present, so that the overdue time of the installment repayment and the time of the final repayment from the present of the historical loan corresponding to the corresponding loan record can be obtained directly according to the time information.

For example, if there is a loan which needs to be repacked in 12 installments, there are 12 repayment installments, and the repayment date of the 8 th repayment date is 2020, 8 and 13 days, but the repayment date of the 8 th repayment date corresponding to the 8 th repayment date is 2020, 8 and 15 days, then the repayment date of the 8 th repayment date corresponding to the loan is 2 days. The overdue time of the installment repayment can be directly obtained by inquiring in a related system or a database, and can also be simply calculated and determined based on known various loan times, original repayment time points, actual repayment time points and the like. It should be noted that the nature and source of the overdue time period of the reimbursement payment can be determined by those skilled in the art according to practical situations, and the above description is only for example and is not limiting.

For example, if there is a certain loan, which needs to be paid in 12 installments, there are 12 repayment installments, and the repayment date of 12 repayment installments corresponding to the 12 th repayment installments (the last repayment installments) is 2020, 8 and 15 days, and the current time is 2020, 8 and 30 days, the final repayment installments of the loan is 15 days. The final repayment time can be obtained by direct query in a related system, a database and the like, and can also be determined by simple calculation based on known loan time, actual repayment time point and the like. It should be noted that the nature and source of the final repayment time may be determined by those skilled in the art according to the actual situation, and the above description is only an example and is not limiting.

Illustratively, a historical loan corresponds to a total amount to be repayed, and a payoff period of a historical loan corresponds to an installment repayment default amount.

Illustratively, the amount information includes the total amount to be repayed and the default amount of the installment repayment, so that the total amount to be repayed and the default amount of the installment repayment of the historical loan corresponding to the corresponding loan record can be obtained directly according to the amount information.

For example, one such repayment total may be, but is not limited to, a total amount to be repayed for a corresponding loan. The one of the phased repayment default amounts may be, but is not limited to, a default amount of a certain repayment period for a certain loan, and specifically may be, but is not limited to, a difference between a refund amount corresponding to the repayment period and an actual repayment amount corresponding to the repayment period, or a refund amount corresponding to overdue of the repayment period, and preferably a refund amount corresponding to overdue of the repayment period. For example, if there is a certain loan and it needs to pay in 12 payouts, there are 12 payouts, and the due amount corresponding to the 7 th payout period is 500 yuan, and the actual payout amount corresponding to the 7 th payout period is only 300 yuan, then the default amount of the payouts in 7 th payout period corresponding to the loan is 200 yuan (the difference between the due amount corresponding to the payout period and the actual payout amount corresponding to the payout period); or, the due amount corresponding to the 7 th repayment date is 500 yuan, but the repayment date is overdue, in this case, the default repayment amount corresponding to the 7 th repayment date of the loan is 500 yuan (corresponding to the due amount corresponding to the overdue repayment date), regardless of the actual repayment amount of the 7 th repayment date, and preferably, when the repayment date is not overdue, the default repayment amount corresponding to the repayment date is determined as the difference between the due amount corresponding to the repayment date and the actual repayment amount corresponding to the repayment date. The total amount to be repayed may correspond to the sum of the amount to be repayed for all payoff periods in the loan. The sum to be paid and the default amount of the periodic repayment can be directly inquired in a related system or a database, and the like, and can also be simply calculated and determined based on the known loan amount and the corresponding repayment amount of the original repayment time point, and the like. It should be noted that the nature and source of the sum to be repayed and the default amount of the installment payment can be determined by those skilled in the art according to practical situations, and the above description is only for example and should not be construed as limiting.

Illustratively, a historical loan corresponds to a installment repayment to an amount of an installment, and the total amount of the loan record corresponding to the historical loan is the total amount of the loan (which may be understood colloquially as the total amount of the historical loan).

For example, the quantity information includes the total loan times and the installment repayment and installment numbers, so that the total loan times of the historical loans corresponding to all the loan records and the installment repayment and installment numbers of the historical loans corresponding to the loan records can be obtained directly according to the quantity information.

For example, a payoff to an expiring amount may be, but is not limited to, the amount corresponding to a payoff period in the loan that is due earlier in time than the current time. The term repayment to term number and the total loan number can be directly inquired in a related system or a database, and can also be simply calculated and determined based on known loan time, actual repayment time point, loan record related information and the like. It should be noted that the nature and source of the payouts to the term and the total number of loans may be determined by those skilled in the art based on the actual circumstances, and the above description is only exemplary and not limiting.

Through steps S301 to S304, the time information, the amount information, and the quantity information can be further refined and analyzed to obtain a plurality of parameters with smaller granularity and more clearness, which are more closely related to the performance capability, and the parameters are used as the input for determining the performance capability value, so that the accuracy of the subsequently determined performance value can be improved, and the accuracy of the subsequently determined loan amount can be further improved.

In an optional embodiment, the obtaining the performance capability value according to the overdue duration, the final repayment duration from the present, the maximum payment duration from the present, the total amount to be repayed, the default amount of the installment repayment, the total number of loans, and the number of the installment repayment to the future corresponding to all the loan records includes:

obtaining default degree coefficients corresponding to the loan records according to the default sum of the installment repayment corresponding to the multiple repayment conditions of the historical loan corresponding to the loan records and the corresponding overdue duration of the installment repayment;

obtaining a total repayment duration coefficient according to the total loan times and the maximum current duration;

For example, the multiple repayment condition, namely the multiple repayment condition, refers to the related repayment condition corresponding to multiple repayment periods in the historical loan broadly.

Illustratively, the default coefficient can be expressed as, but is not limited to

Wherein k is _ij Representing the default amount of the installment repayment corresponding to the ith repayment period of the jth historical loan, d _ij And n represents the total repayment period of the historical loan. It should be noted that, for the specific implementation manner of obtaining the default degree coefficient corresponding to the loan record according to the default sum of installment repayment corresponding to the multiple repayment situations of the historical loan corresponding to the loan record and the corresponding overdue duration of installment repayment, which can be determined by the person skilled in the art according to the actual situation,the above description is by way of example only and is not intended as limiting.

For example, the total payment duration coefficient may be expressed as, but not limited to, md _nmax Wherein m represents the total loan number, d _nmax Indicating the maximum time-to-date. It should be noted that, for the specific implementation manner of obtaining the total repayment duration coefficient according to the total loan times and the maximum time duration, the above description is only an example, and is not limited thereto, and can be determined by those skilled in the art according to practical situations.

The final repayment duration can indirectly reflect the repayment frequency of the corresponding trading party, the installment repayment to term can indirectly reflect the repayment pressure of the corresponding trading party, the repayment total amount can indirectly reflect the confidence degree of the corresponding trading party (generally, the trading party has more repayment confidence, the loan is more), and the maximum repayment duration can be used as a reference parameter of the final repayment duration, so that the maximum repayment duration, the final repayment duration, the installment repayment to term and the repayment total amount are closely related to the repayment wish of the trading party, and the repayment wish can accurately map various kinds of repayment wishes (such as the wish of trading strictly according to the stipulation of a contract and the like) of the corresponding trading party in a small amount.

Due to the fact that the default amount of the installment repayment and the overdue duration of the installment repayment can both indirectly reflect the actual default degree of the transaction party, the default degree coefficient corresponding to the loan record can enable the obtained default degree coefficient to accurately and fully reflect the actual default condition of the corresponding transaction party according to the default amount of the installment repayment corresponding to the multiple repayment conditions of the historical loan and the corresponding overdue duration of the installment repayment, and the higher accuracy is achieved, and therefore the accuracy of determining the performance value subsequently is improved.

Because the maximum distance duration and the total loan frequency can both indirectly reflect the actual repayment difficulty of the corresponding trading party, and the actual repayment difficulty can also map the performance difficulty (such as the difficulty of trading strictly according to the rules of a contract) in a small scale, the step of obtaining the total repayment duration coefficient according to the total loan frequency and the maximum distance duration can enable the obtained total repayment duration coefficient to accurately and fully reflect the performance difficulty of the corresponding trading party in the time aspect of the performance process, and has higher accuracy, thereby improving the accuracy of subsequently determining the performance value.

As can be seen from the above analysis, the repayment duration coefficient, the fulfillment intention coefficient, and the default degree coefficient are all closely related to the fulfillment ability of the transaction party, so the step of obtaining the fulfillment ability value according to the total repayment duration coefficient, the fulfillment intention coefficients and the default degree coefficients corresponding to all loan records can greatly improve the accuracy of the obtained fulfillment ability value, thereby greatly improving the accuracy of subsequently determining the loan amount. Moreover, the data size involved in the step of determining the total repayment duration coefficient, the fulfillment willingness coefficient, the default degree coefficient and the fulfillment ability value is not large, and the involved processing process is simple, so that the speed of the steps is high, and the speed of determining the loan amount integrally is improved.

In an optional embodiment, the obtaining of the fulfillment willingness coefficient corresponding to the loan record according to the maximum time length from the present time, the final repayment time length from the present time, the installment repayment to the term, and the total repayment amount includes:

subtracting the final repayment distance time from the maximum distance time to the current time to obtain a repayment duration coefficient corresponding to the loan record;

and obtaining a fulfillment willingness coefficient corresponding to the loan record according to the repayment duration coefficient, the installment repayment future period number and the total repayment amount.

Illustratively, the repayment duration coefficient may be expressed as (d) _nmax -d _nj ) Wherein d is _nmax To representMaximum time to present, d _nj And the final repayment time of the jth historical loan of the transaction party is represented.

Illustratively, the fulfillment willingness coefficient may be expressed as, but is not limited to (d) _nmax -d _nj )ok _tj Wherein (d) _nmax -d _nj ) A repayment duration coefficient representing the jth historical loan, o represents the number of the installment repayment to the future of the jth historical loan, k _tj Indicating the total amount of the jth historical loan to be repayed. It should be noted that, the specific implementation manner of obtaining the fulfillment willingness coefficient corresponding to the loan record according to the repayment duration coefficient, the installment repayment to term and the total repayment amount can be determined by those skilled in the art according to the actual situation, and the above description is only an example, and is not limited thereto.

The repayment duration coefficient corresponding to the loan record is obtained by subtracting the final repayment duration from the current time from the maximum time, so that the final repayment duration and the repayment duration coefficient are in negative correlation, the lower repayment frequency is met, the lower repayment duration rule is met, the accuracy of the obtained repayment duration coefficient is higher, and the accuracy of the subsequently determined fulfillment willingness coefficient is improved;

obtaining a fulfillment intention coefficient corresponding to the loan record according to the repayment duration coefficient, the installment repayment future number and the total repayment amount, and further enhancing the conformity of the obtained fulfillment intention coefficient and the fulfillment intention of the transaction party through further detailed processing, thereby further improving the accuracy of the obtained fulfillment intention coefficient and further being beneficial to further improving the accuracy of the loan amount determined in the subsequent steps.

In an optional embodiment, the obtaining the performance capability value according to the total repayment duration coefficient, the performance willingness coefficient corresponding to all loan records, and the default degree coefficient includes:

superposing the fulfillment willingness coefficients corresponding to all the loan records to obtain a total fulfillment willingness coefficient;

For example, the total willingness to perform coefficient may be expressed as

Wherein (d) _nmax -d _nj )ok _tj The financial institution is characterized in that the financial institution performing coefficient corresponding to a loan record corresponding to the jth historical loan of the corresponding trading party is represented, j represents the number of the historical loans (loan records), and m represents the total number of the historical loans (loan records) corresponding to the trading party.

Illustratively, the total violation coefficient may be expressed as

Wherein the content of the first and second substances,

and the default degree coefficient corresponding to the loan record corresponding to the jth historical loan of the corresponding transaction party is represented.

For example, the division of the first performance intermediate value by the total repayment duration coefficient to obtain the performance capability value may be represented by the following equation:

wherein, P _k Indicating a performance capability value of the corresponding transaction party,

represents said first medium value of performance, md _nmax Representing the total payment duration factor.

It should be noted that, the fulfillment intention coefficients corresponding to all the loan records are superposed to obtain a total fulfillment intention coefficient; overlapping the default degree coefficients corresponding to all the loan records to obtain a total default degree coefficient; dividing the total performance willingness coefficient by the total default degree coefficient to obtain a first performance intermediate value; the specific implementation manner of obtaining the performance capability value by dividing the first performance intermediate value by the total repayment duration coefficient may be determined by those skilled in the art according to practical situations, and the above description is only an example, and is not limited thereto.

And because one trading party corresponds to a plurality of loan records, the step of superposing the performance will coefficients corresponding to all the loan records to obtain a total performance will coefficient can ensure that the total performance will coefficient can measure the overall performance of the trading party, improve the accuracy of the obtained total performance will coefficient and further improve the accuracy of the obtained performance value.

And because one trading party corresponds to a plurality of loan records, overlapping the default degree coefficients corresponding to all the loan records to obtain a total default degree coefficient, so that the total default degree coefficient can measure the overall default degree of the trading party, the accuracy of the obtained total default degree coefficient is improved, and the accuracy of the obtained performance value is improved.

Since a larger total willingness factor means a stronger willingness of the corresponding transaction party, and a stronger willingness indirectly means a stronger performance capability, the total willingness factor and the performance capability value are positively correlated. Since a larger total default coefficient means a more serious default of the corresponding transaction party and a more serious default means a weaker performance capability, the total default coefficient and the performance capability value are in negative correlation. Since a larger total repayment duration coefficient means a higher degree of performance difficulty of the corresponding transaction party in terms of time, and a higher degree of performance difficulty means a weaker performance capability, the total repayment duration coefficient and the performance capability value are negatively correlated. In summary, the above steps take the total performance will coefficient as the removed variable, and the total default degree coefficient and the total repayment duration coefficient as the removed variable to obtain the performance value, which highly conforms to the relevant rules, so that the performance value obtained highly conforms to the actual performance of the transaction party, and the accuracy of the obtained performance value is further improved. Moreover, the related steps are simple in calculation, low in calculation complexity and low in time consumption, so that the speed of determining the performance value is further improved. Therefore, the steps can further improve the accuracy and speed of determining the whole loan amount.

In an alternative embodiment, the determining the loan amount of the lender based on the performance value corresponding to a plurality of transaction parties, the transaction amount of the transaction contract and the number of transaction intermediary parties with the lender comprises:

determining a transaction party who directly or indirectly pays the lender in the transaction as a payment transaction party and determining a transaction party who is a target of the direct payment of the lender as a collection transaction party based on the transaction contract;

For example, the specific implementation manner of determining, as the payment transaction party, the transaction party who directly or indirectly pays the lender in the transaction based on the transaction contract, and determining, as the collection transaction party, the transaction party that is the target of the direct payment by the lender may be determined by those skilled in the art according to actual circumstances, and the embodiment of the present invention is not limited thereto. For example, based on a plurality of transaction contracts, it is determined that there are a lender a, a transaction party B, a transaction party C, a transaction party D, a transaction party E, a transaction party F and a transaction party G, and it is known that B pays to a, C pays to B, D pays to C and D pays to a, E pays to C, a pays to F and a pays to G, then B is a transaction party that directly pays the lender, C and E are transaction parties that indirectly pay the lender, and D is both a transaction party that directly pays the lender and a transaction party that indirectly pays the lender, so the determined payment transaction parties are B, C, D and E, and the lender a directly pays both F and G, so F and G are the subject of direct payment by the lender a, and therefore the receiving transaction parties are F and G.

For example, since whether the transaction contract is the alternative contract or the supplementary contract is known, and the correspondence between the transaction contract and the transaction party is also known, it is possible to directly determine the payment transaction party of the corresponding transaction contract as the alternative contract as the first payment transaction party, and determine the payment transaction party of the corresponding transaction contract as the supplementary contract as the second payment transaction party.

For example, specific values of the first correction coefficient, the second correction coefficient and the third correction coefficient may be determined by those skilled in the art according to practical situations, and the embodiment of the present invention is not limited thereto. For example, the values of the first, second and third correction coefficients may be, but are not limited to, values in the (0, 2) range, the [0,2] range, the (0, 2) range or the [0,2] range, and preferably, the sum of the values of the first, second and third correction coefficients is equal to 2.

For example, the expected income amount of the lender may be expressed as, but is not limited to

Wherein y represents a first correction factor, n represents the total number of first payment transaction parties, M _i Represents the transaction amount of the transaction contract corresponding to the first payment transaction part with the number i (the payment amount of the first payment transaction part), P _ki Indicates the performance value, Q, corresponding to the first payment transaction party with the number i _i Representing the number of transaction intermediaries between the first payment transaction party, numbered i, and the lending party. It should be noted that, for a specific implementation manner of obtaining the expected income amount of the lender according to the transaction amount, the performance capability value, the number of the transaction intermediate parties and the preset first correction coefficient of the transaction contract corresponding to each first payment transaction party, the implementation manner may be determined by those skilled in the art according to actual situations, and the above description is only an example, and does not limit this.

For example, the loan party's expected expenditure amount may be expressed as, but is not limited to

Where x denotes a second correction factor, M denotes the total number of parties receiving the transaction in the above expression, M _pi The transaction amount of the transaction contract corresponding to the payee transaction party (i) (the amount of the payee transaction party) is shown. It should be noted that, for the specific implementation manner of obtaining the expected expenditure amount of the lender according to the transaction amount of the transaction contract corresponding to each receiving transaction party and the preset second correction coefficient, the implementation manner may be determined by those skilled in the art according to actual situations, and the above description is only an example, and does not limit this.

For example, the additional income amount of the lender may be expressed as, but not limited to

Wherein z represents a third correction factor, v represents a total number of second payment transaction parties, M _ti The transaction amount (the payment amount of the second payment transaction part), P, of the transaction contract corresponding to the second payment transaction part with the number i _kti Indicates the performance value, H, corresponding to the second payment transaction part numbered i _i Representing the number of transaction intermediary parties between the second payment transaction party numbered i and the lender. It should be noted that, for a specific implementation manner of obtaining the additional income amount of the lender according to the transaction amount, the performance capability value, the number of the transaction intermediate parties and the preset third correction coefficient of the transaction contract corresponding to each second payment transaction party, the implementation manner may be determined by those skilled in the art according to actual situations, and the above description is only an example, and does not limit this.

The transaction amount of the transaction contract corresponding to the first payment transaction party represents the upper limit of the amount which can be paid by the first payment transaction party in the transaction, the performance capability value of the first payment transaction party represents the performance capability of the first payment transaction party, and the number of the transaction intermediate parties has influence on the amount of the transaction amount flowing to the lending party, so that the expected income amount of the lending party is obtained according to the transaction amount, the performance capability value, the number of the transaction intermediate parties and a preset first correction coefficient of the transaction contract corresponding to each first payment transaction party, the relevant rules can be fully considered, and the accuracy of the determined expected income amount is improved.

Because the transaction amount of the transaction contract corresponding to the collection transaction party represents the amount directly paid to the collection transaction party by the lender (the expenditure amount lost by the lender), the expected expenditure amount of the lender is obtained according to the transaction amount of the transaction contract corresponding to each collection transaction party and the preset second correction coefficient, relevant rules can be fully considered, and the accuracy of the determined expected expenditure amount is improved.

The transaction amount of the transaction contract corresponding to the second payment transaction party represents the upper limit of the amount which can be paid by the second payment transaction party in the transaction, the performance capability value of the second payment transaction party represents the performance capability of the second payment transaction party, and the number of the transaction intermediate parties has influence on the amount of the transaction amount transferred to the lending party, so that the additional income amount of the lending party is obtained according to the transaction amount, the performance capability value, the number of the transaction intermediate parties and a preset third correction coefficient of the transaction contract corresponding to each second payment transaction party, and the accuracy of the determined additional income amount (the amount directly or indirectly paid to the lending party by the payment transaction party corresponding to the contract actively uploaded by the lending party) can be improved by fully considering relevant rules.

Because the expected income amount, the expected expenditure amount and the additional income amount are closely related to the net earning amount of the loan party in the repayment period, and the net earning amount is closely related to the loan repayment capability of the loan party (the net earning amount plays a role in preserving, and if the deposit of the loan party is 0, the loan party cannot be repayed by the deposit, and the loan party can also be repayed by the net earning amount), the step of obtaining the loan amount can fully consider the related law according to the expected income amount, the expected expenditure amount and the additional income amount, so that the determined loan height accords with the loan repayment capability of the loan party, and the accuracy of the determined loan amount is greatly improved. Moreover, the calculation process for determining the expected expenditure amount, the additional income amount and the loan amount is simple, and the calculation complexity is low, so the speed of determining the loan amount is greatly improved by the steps. Therefore, the steps can improve the accuracy and speed of the overall loan information processing.

In an alternative embodiment, as shown in fig. 4, the obtaining the loan amount according to the expected income amount, the expected expenditure amount and the additional income amount comprises the following steps:

s401: and subtracting the expected expenditure amount from the expected income amount to obtain a sub-amount.

S402: and adding the additional income amount to the sub-amount to obtain the loan amount.

For example, the calculation of the loan amount may be specifically expressed as follows:

wherein, M _f Indicating the amount of the loan of the lender,

which is indicative of an amount of expected revenue,

which is indicative of an expected payout amount,

the amount of the additional income is indicated,

indicating a sub-quota.

It should be noted that, the specific implementation manner of obtaining the loan amount by subtracting the expected expenditure amount from the expected income amount to obtain the sub-amount and adding the additional income amount to the sub-amount may be determined by those skilled in the art according to actual situations, and the above description is only an example, and does not limit the scope.

The total income minus the expenditure is equivalent to the amount which can be freely regulated, the amount which can be freely regulated can be used for repayment, and the step S401 and the step S402 are just fully combined with the rule, the determined loan amount is closely related to the amount which can be freely regulated by the lender in the repayment period, so the accuracy of determining the loan amount is further improved, and the accuracy of the whole loan information processing is further improved.

In an optional embodiment, further comprising:

determining a payee serving as a payment object of the first payment transaction party based on the transaction contract corresponding to the first payment transaction party;

wherein, the step of determining the payee comprises:

judging whether the payee is the loan party or not, and if not, determining the payee to be the transaction intermediate party;

For example, determining the payee in the transaction based on the transaction contract is a conventional art and will not be described herein.

Illustratively, a first payment transaction party corresponds to a transaction intermediary party amount.

For example, the step of determining the payee is repeatedly performed, and the total number of all transaction intermediaries determined in the step of determining the payee is used as the number of transaction intermediaries, as shown in the following example:

there is a lender a, a first payment transaction party B, a first payment transaction party C, a first payment transaction party D, a first payment transaction party E, and it is known that B makes payment to a, C makes payment to B, D makes payment to C and D makes payment to a, E makes payment to C.

And for B, determining that the payee is A and A is the loan party, stopping the step of determining the payee, wherein no transaction intermediate party is obtained, and the number of the transaction intermediate parties corresponding to the first payment transaction party B is 0.

For C, determining that the payee is B and B is not the lender, and determining B as a transaction intermediate party corresponding to C; and if the payee of the second payment party is A and the A is the loan party, stopping the step of determining the payee, wherein a transaction intermediate party B is obtained, and the number of the transaction intermediate parties corresponding to the first payment transaction party C is 1.

And for D, determining that the payee is C and A, C is not a loan party, A is a loan party, and a payee party serving as a loan party appears, stopping the step of determining the payee party, wherein no transaction intermediate party is obtained, and the number of the transaction intermediate parties corresponding to the first payment transaction party D is 0.

For E, determining that the payee is C and C is not the loan party, and determining C as a transaction intermediate party corresponding to E; b is determined as a transaction intermediate party corresponding to E if the payee of C is B and B is not a loan party; and if the payee of the second payment party is A and the A is the loan party, stopping the step of determining the payee, wherein a transaction intermediate party C and a transaction intermediate party B are obtained, and the number of the transaction intermediate parties corresponding to the first payment transaction party is 2.

It should be noted that, for a specific implementation manner that the step of determining the payee is repeatedly performed until the payee is the loan party, and the total number of all the transaction intermediate parties determined in the step of determining the payee is used as the number of the transaction intermediate parties, which may be determined by a person skilled in the art according to practical situations, the above description is only an example, and does not limit this.

In addition, the principle of determining the number of the transaction intermediate parties corresponding to the second payment transaction party is completely the same as the principle of determining the number of the transaction intermediate parties corresponding to the first payment transaction party, and details are not repeated here.

Through the steps, the corresponding transaction intermediate party can be more perfectly confirmed in a traversal mode, and omission of the transaction intermediate party is reduced, so that the accuracy of the determined number of the transaction intermediate party is improved, and the accuracy of the subsequent step of determining the loan amount by taking the number of the transaction intermediate party as one of the input is better improved.

The following describes an implementation process of the loan information processing method provided by the embodiment of the present invention, taking the application terminal 102 as an execution subject. It is understood that the executing entity of the loan information processing method provided by the embodiment of the invention includes, but is not limited to, the application terminal 102.

Based on this, the embodiment of the present invention discloses a loan information processing method, as shown in fig. 5, the method specifically includes the following steps:

s501: sending loan request information to a server so that the server determines a plurality of loan records of a plurality of transaction parties associated with the loan parties and transaction contracts with calibrated transaction time within a preset repayment term according to the loan request information; obtaining corresponding time information, amount information and quantity information based on the corresponding plurality of loan records, and determining the performance capability value of the transaction party based on the time information, the amount information and the quantity information; and determining the loan amount of the lender and sending the loan amount based on the performance capability values corresponding to a plurality of transaction parties, the transaction amount of the transaction contract and the number of transaction intermediate parties between the loan party and the lender.

S502: and finishing the loan information processing with the loan party according to the loan amount.

For example, the processing of the loan information with the lender according to the loan amount may be, but not limited to, limiting a loan amount of the lender based on the loan amount, so that the lender cannot lend a loan amount exceeding the loan amount, or feeding back the loan amount to a relevant worker, so that the worker sets an upper limit of the loan amount that the lender can lend with reference to the loan amount, so that the lender cannot lend the loan amount exceeding the upper limit. It should be noted that, the specific implementation manner of completing the processing of the loan information with the lender according to the loan amount can be determined by those skilled in the art according to the actual situation, and the above description is only an example, and is not limited thereto.

According to the loan information processing method, the server, the application end and the system, the transaction contracts of a plurality of loan records of transaction parties associated with a loan party and the calibrated transaction time within the preset repayment period are determined according to the loan request information sent by the application end, and the analysis can be carried out based on the actual loan request information, so that the determined loan records and the transaction contracts are indeed corresponding to the transaction parties associated with the loan party on a supply chain, the accuracy of the determined loan records and the transaction contracts is higher, the steps are not complex, the speed of determining the loan records and the transaction contracts is higher, and the accuracy and the speed of integrally determining the loan amount can be improved due to the fact that the loan records and the corresponding transaction contracts are input in the subsequent step of determining the loan amount, so that the accuracy and the speed of integrally processing the loan information are improved; the method comprises the steps of obtaining corresponding time information, amount information and quantity information based on a plurality of corresponding loan records, determining the performance capability value of a transaction party based on the time information, the amount information and the quantity information, further analyzing the loan records, and determining the corresponding performance capability value based on various loan information of the transaction party about loan repayment capability actually, so that the performance capability value accurately and fully reflects the actual performance capability of the transaction party in transaction. Determining the loan amount of a lender based on the performance capability values corresponding to a plurality of traders, the trading amount of a trading contract and the number of trading intermediaries between the lender and the lender; sending the loan amount to the application end so that the application end completes loan information processing with a lender according to the loan amount, and can comprehensively consider the performance capability and the corresponding transaction amount of a plurality of related transaction parties in a supply chain to determine the loan amount, the performance capability represents the possibility that the transaction party pays on schedule in the transaction and the possibility that the actual payment amount meets the contractual provisions, the transaction amount of the transaction contract represents the upper limit of the amount directly or indirectly paid to the lender by the transaction party in the transaction, therefore, the comprehensive consideration of the performance capability and the transaction amount can measure the amount of money which is paid to a lender by a plurality of related transaction parties in time, the loan party can repay the loan and the corresponding interest by the amount paid by the transaction party to a great extent, so the steps can accurately determine the loan amount corresponding to the loan party, and the amount of the transaction intermediate party between the transaction party and the lending party (the amount of money actually arrived at the lending party corresponding to the amount of money paid by the transaction party may be changed to different degrees because the amount of money paid by the transaction party may be changed for many times before indirectly arriving at the lending party) can reflect the relationship between the amount of money actually paid by the transaction party in the transaction and the corresponding amount of money actually arrived at the lending party, the above steps can further improve the accuracy of the determined loan amount based on the number of transaction intermediaries, moreover, the amount of data involved in the above steps is not so large and the amount of data information involved in the lender itself is reduced, and the calculation complexity of the relevant analysis and calculation process is lower, the speed of determining the loan amount is higher, therefore, the steps can improve the accuracy and speed of the overall loan amount determination, and the accuracy and speed of the overall loan information processing are improved. The loan information processing method can realize automatic execution in the forms of programs, software or applications and the like, greatly reduce the dependence degree on manpower and the error probability, and further greatly improve the speed and the accuracy of loan information processing. The speed of loan information processing is improved, so that the lender can obtain the loan amount without waiting for a long time in the process of applying for the loan, and the experience of the lender is improved. Moreover, the determined loan amount has higher accuracy, so that the loan party has extremely high probability of repaying the loan and the corresponding interest on time in quantity on the premise of being allowed to carry out the corresponding loan, thereby being beneficial to the bank to earn the income through the corresponding interest in time and improving the income of the bank. In summary, the loan information processing method, the server, the application terminal and the system provided by the invention can improve the speed and the accuracy of determining the loan amount, thereby improving the speed and the accuracy of processing the loan information and further improving the experience of a loan party and the income of a bank.

Based on the same principle, the embodiment of the present invention discloses a server 600, as shown in fig. 6, the server 600 includes:

the request analysis module 601 is configured to determine, according to loan request information sent by an application end, a plurality of loan records of a plurality of transaction parties associated with the loan parties and transaction contracts with a calibrated transaction time within a preset repayment term;

a performance ability determining module 602, configured to obtain corresponding time information, amount information, and quantity information based on the corresponding plurality of loan records, and determine a performance ability value of the transaction party based on the time information, the amount information, and the quantity information;

a loan amount determining module 603, configured to determine a loan amount of a lender based on the performance capability values corresponding to multiple traders, a trading amount of a trading contract, and a number of trading intermediaries between the lender and the loan party; and sending the loan amount to the application end so that the application end completes loan information processing with a loan party according to the loan amount.

In an optional embodiment, the request parsing module 601 is configured to:

In an alternative embodiment, the performance capability determining module 602 is configured to:

obtaining the total repayment sum and the repayment default sum of the installments of the historical loans corresponding to the corresponding loan record according to the sum information;

obtaining a fulfillment willingness coefficient corresponding to the loan record according to the maximum distance time, the final repayment distance time, the installment repayment to term number and the total repayment amount;

superposing the default degree coefficients corresponding to all the loan records to obtain a total default degree coefficient;

In an optional embodiment, the loan amount determination module 603 is configured to:

In an optional embodiment, the system further comprises a number of intermediaries determining module, configured to:

repeating the step of determining the payee until the payee is the lender;

wherein the step of determining the payee comprises:

Based on the same principle, the embodiment of the present invention discloses an application terminal 700, as shown in fig. 7, the application terminal 700 includes:

a request sending module 701, configured to send loan request information to a server, so that the server determines, according to the loan request information, a plurality of loan records of a plurality of transaction parties associated with a loan party and a transaction contract with a calibrated transaction time within a preset repayment term; obtaining corresponding time information, amount information and quantity information based on the corresponding plurality of loan records, and determining the performance capability value of the transaction party based on the time information, the amount information and the quantity information; and determining the loan amount of the lender and sending the loan amount based on the performance capability values corresponding to a plurality of transaction parties, the transaction amount of the transaction contract and the number of transaction intermediate parties between the loan party and the lender.

And the loan information processing module 702 is used for finishing the loan information processing with the loan party according to the loan amount.

The systems, apparatuses, modules or units described in the above embodiments may be specifically implemented by a computer chip or an entity, or implemented by a product with certain functions. A typical implementation device is a computer device, which may be, for example, a personal computer, a laptop computer, a cellular telephone, a camera phone, a smart phone, a personal digital assistant, a media player, a navigation device, an email device, a game console, a tablet computer, a wearable device, or a combination of any of these devices.

In a typical example, the computer device comprises in particular a memory, a processor and a computer program stored on the memory and executable on the processor, which when executed by the processor implements the method as described above.

Referring now to FIG. 8, shown is a schematic diagram of a computer device 800 suitable for use in implementing embodiments of the present application.

As shown in fig. 8, the computer apparatus 800 includes a Central Processing Unit (CPU) 801 that can perform various appropriate works and processes according to a program stored in a Read Only Memory (ROM) 802 or a program loaded from a storage section 808 into a Random Access Memory (RAM) 803. In the RAM803, various programs and data necessary for the operation of the system 800 are also stored. The CPU801, ROM802, and RAM803 are connected to each other by a bus 804. An input/output (I/O) interface 805 is also connected to bus 804.

The following components are connected to the I/O interface 805: an input portion 806 including a keyboard, a mouse, and the like; an output section 807 including components such as a Cathode Ray Tube (CRT), a liquid crystal feedback (LCD), and a speaker; a storage portion 808 including a hard disk and the like; and a communication section 809 including a network interface card such as a LAN card, a modem, or the like. The communication section 809 performs communication processing via a network such as the internet. A drive 810 is also connected to the I/O interface 805 as necessary. A removable medium 811 such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, or the like is mounted on the drive 810 as necessary, so that a computer program read out therefrom is mounted as necessary on the storage section 808.

In particular, according to an embodiment of the present invention, the processes described above with reference to the flowcharts may be implemented as computer software programs. For example, embodiments of the invention include a computer program product comprising a computer program tangibly embodied on a machine-readable medium, the computer program comprising program code for performing the method illustrated in the flow chart. In such an embodiment, the computer program can be downloaded and installed from a network through the communication section 809 and/or installed from the removable medium 811.

Computer-readable media, including both permanent and non-permanent, removable and non-removable media, may implement the information storage by any method or technology. The information may be computer readable instructions, data structures, modules of a program, or other data. Examples of computer storage media include, but are not limited to, phase change memory (PRAM), static Random Access Memory (SRAM), dynamic Random Access Memory (DRAM), other types of Random Access Memory (RAM), read Only Memory (ROM), electrically Erasable Programmable Read Only Memory (EEPROM), flash memory or other memory technology, compact disc read only memory (CD-ROM), digital Versatile Disks (DVD) or other optical storage, magnetic cassettes, magnetic tape magnetic disk storage or other magnetic storage devices, or any other non-transmission medium, which can be used to store information that can be accessed by a computing device. As defined herein, a computer readable medium does not include a transitory computer readable medium such as a modulated data signal and a carrier wave.

For convenience of description, the above devices are described as being divided into various units by function, respectively. Of course, the functionality of the units may be implemented in one or more software and/or hardware when implementing the present application.

The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flowchart illustrations and/or block diagrams, and combinations of flows and/or 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, embedded processor, 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, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

It should also be noted that 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 phrases "comprising a," "8230," "8230," or "comprising" does not exclude the presence of other like elements in a process, method, article, or apparatus comprising the element.

As will be appreciated by one skilled in the art, embodiments of the present application may be provided as a method, system, or computer program product. Accordingly, the present application may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present application may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.

The application may be described in the general context of computer-executable instructions, such as program modules, being executed by a computer. Generally, program modules include routines, programs, objects, components, data structures, etc. that perform particular tasks or implement particular abstract data types. The application may also be practiced in distributed computing environments where tasks are performed by remote processing devices that are linked through a communications network. In a distributed computing environment, program modules may be located in both local and remote computer storage media including memory storage devices.

The embodiments in the present specification are described in a progressive manner, and the same and similar parts among the embodiments are referred to each other, and each embodiment focuses on the differences from the other embodiments. In particular, for the system embodiment, since it is substantially similar to the method embodiment, the description is simple, and for the relevant points, reference may be made to the partial description of the method embodiment.

The above description is only an example of the present application and is not intended to limit the present application. Various modifications and changes may occur to those skilled in the art. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of the present application should be included in the scope of the claims of the present application.

Claims

1. A loan information processing method, comprising:

2. The method according to claim 1, wherein the determining a plurality of loan records and transaction contracts with nominal transaction time within a preset repayment term for a plurality of transaction parties associated with a lender according to the loan request information sent by the application end comprises:

3. The method of claim 2, wherein determining a trade contract with a nominal trade time within a preset repayment period based on the alternative contract and the supplemental contract comprises:

4. The method of claim 1, wherein determining the performance level of the counterparty based on the time information, amount information, and quantity information comprises:

and obtaining the performance capability value according to the overdue duration, the final repayment date time, the maximum repayment date time, the total repayment amount, the default payment amount of the installment repayment, the total loan times and the number of the installment repayment to date corresponding to all the loan records.

5. The method of claim 4, wherein the obtaining the performance value according to the overdue duration, the final repayment time from the present time, the maximum repayment time from the present time, the total repayment amount, the default amount of the installments, the total loan number and the total number of the installments to the future corresponding to all the loan records comprises:

6. The method of claim 5, wherein obtaining the fulfillment willingness coefficient corresponding to the loan record according to the maximum time from the current time, the final repayment time from the current time, the installment repayment to the term, and the total repayment amount comprises:

7. The method of claim 5, wherein obtaining the fulfillment ability value according to the total repayment duration coefficient, the fulfillment willingness coefficient and the default degree coefficient corresponding to all loan records comprises:

8. The method of claim 2, wherein the determining the loan amount of the lender based on the performance level corresponding to the plurality of counterparties, the transaction amount of the transaction contract, and the number of transaction intermediaries with the lender comprises:

obtaining the expected expenditure amount of the lender according to the transaction amount of the transaction contract corresponding to each receiving transaction party and a preset second correction coefficient;

9. The method of claim 8, wherein said deriving said loan amount based on said expected income amount, expected expenditure amount, and additional income amount comprises:

10. The method of claim 8, further comprising:

wherein the step of determining the payee comprises:

11. A loan information processing method, comprising:

sending loan request information to a server so that the server determines a plurality of loan records of a plurality of transaction parties associated with the loan parties and transaction contracts with calibrated transaction time within a preset repayment term according to the loan request information; obtaining corresponding time information, amount information and quantity information based on the corresponding plurality of loan records, and determining the performance capability value of the transaction party based on the time information, the amount information and the quantity information; determining the loan amount of a lender and sending the loan amount based on the performance capability values corresponding to a plurality of transaction parties, the transaction amount of a transaction contract and the number of transaction intermediate parties between the loan party and the lender;

and finishing the loan information processing with the lender according to the loan amount.

12. A server, comprising:

13. An application, comprising:

14. A loan information processing system is characterized by comprising a server and an application end;

the application end is used for sending loan request information to the server;

the server is used for determining a plurality of loan records of a plurality of transaction parties associated with the loan parties and transaction contracts with the calibrated transaction time within a preset repayment period according to the loan request information; obtaining corresponding time information, amount information and quantity information based on the corresponding plurality of loan records, and determining the performance capability value of the transaction party based on the time information, the amount information and the quantity information; determining the loan amount of a lender based on the performance values corresponding to a plurality of traders, the trading amount of a trading contract and the number of trading intermediaries between the lender and the lender; sending the loan amount to the application end;

and the application end is also used for finishing the loan information processing with the loan party according to the loan amount.

15. A computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, characterized in that the processor implements the method according to any of claims 1-11 when executing the program.

16. A computer-readable medium, on which a computer program is stored which, when being executed by a processor, carries out the method according to any one of claims 1-11.