CN115393074A

CN115393074A - Financing scheme determination method and related equipment

Info

Publication number: CN115393074A
Application number: CN202211175300.4A
Authority: CN
Inventors: 张筱野; 朱惠慧; 赵彦晖; 耿心伟; 曾源
Original assignee: Shenzhen Weizhong Credit Technology Co ltd
Current assignee: Shenzhen Weizhong Credit Technology Co ltd
Priority date: 2022-09-26
Filing date: 2022-09-26
Publication date: 2022-11-25

Abstract

The embodiment of the application discloses a method for determining a financing scheme and related equipment, which are used for solving the financing problem of enterprise fund demand. The method in the embodiment of the application comprises the following steps: receiving target application data of a target client to authorize the target client according to the target application data; after the authorization of the target client is completed, target credit investigation data of the target client is obtained; and determining a target financing scheme according to the target credit investigation data, performing loan processing according to the target financing scheme, and enabling the target client to perform financing processing according to the target financing scheme.

Description

Financing scheme determination method and related equipment

Technical Field

The embodiment of the application relates to the field of financial products, in particular to a method for determining a financing scheme and related equipment.

Background

Manufacturing enterprises have the characteristics of heavy assets, heavy operation, large capital occupation and low turnover rate, and for small and medium-sized enterprises, the main financing requirements of purchasing fixed assets to update equipment, expand capacity and build a digital factory are the main financing requirements, but the problems of difficult financing and short financing period generally exist at present.

For example, bank loan products are mostly short-term loans within one year, and the problem of mismatching terms exists; meanwhile, if the financing is leased through financing, the interest rate is higher, and other financing costs such as guarantee fee, commission fee and the like exist.

In order to provide better help for financial institutions to develop credit business of manufacturing enterprises and guide financial resources to entity economic configuration, how to provide a financing method for enterprises to solve enterprise capital requirements is a problem which must be solved at present.

Disclosure of Invention

The embodiment of the application provides a method for determining a financing scheme and related equipment, which are used for solving the financing problem of enterprise fund demand.

A first aspect of an embodiment of the present application provides a method for determining a financing scheme, including:

receiving target application data of a target client to authorize the target client according to the target application data;

after the authorization of the target client is completed, target credit investigation data of the target client is obtained;

and determining a target financing scheme according to the target credit investigation data, performing loan processing according to the target financing scheme, and enabling the target client to perform financing processing according to the target financing scheme.

Optionally, the receiving target application data of a target client, so as to authorize the target client according to the target application data, includes:

receiving target address data of the target client;

calling a target authentication link corresponding to the target address data according to the target address data so that the target client performs authentication authorization according to the target authentication link;

and/or calling a target verification interface corresponding to the target address data according to the target address data so that the target client performs authentication and authorization according to the target verification interface.

Optionally, the obtaining target credit investigation data of the target client includes:

acquiring target credit investigation data of the target client through the target authentication link; the target credit investigation data comprises enterprise tax data, enterprise income tax data and invoice data of the target client;

and/or acquiring target credit investigation data of the target client through the target verification interface.

Optionally, before determining a target financing scheme according to the target credit investigation data, the method further includes:

carrying out initial processing on the target credit investigation data to obtain the initially processed target credit investigation data;

and carrying out secondary processing on the initially processed target credit investigation data so as to process the secondarily processed target credit investigation data into target index data corresponding to different categories.

Optionally, the determining a target financing scheme according to the target credit investigation data includes:

inputting the target index data of different categories into a target model so that the target model can examine and approve the target index data and generate target examination and approval data;

and determining the target financing scheme according to the target approval data.

Optionally, after determining the target financing scheme according to the target credit investigation data, the method further includes:

generating post-loan inventory data corresponding to the target customer according to the target financing scheme;

generating post-loan management data according to the target financing scheme, processing the post-loan inventory data, and outputting post-loan management operation; and the post-loan management data is loan data which is subjected to loan processing according to the target financing scheme.

Optionally, the post-loan management operations include:

generating a target repayment scheme after financing processing of the target customer according to the target financing scheme;

and sending the target payment scheme to the target client so that the target client carries out payment processing according to the target payment scheme.

A second aspect of the embodiments of the present application provides a system for determining a financing scheme, including:

the receiving unit is used for receiving target application data of a target client so as to authorize the target client according to the target application data;

the acquisition unit is used for acquiring target credit investigation data of the target client after the authorization of the target client is finished;

and the determining unit is used for determining a target financing scheme according to the target credit investigation data, carrying out loan processing according to the target financing scheme and enabling the target client to carry out financing processing according to the target financing scheme.

Optionally, the system for determining a financing scheme further comprises: a calling unit;

the receiving unit is specifically configured to receive target address data of the target client;

the calling unit is used for calling a target authentication link corresponding to the target address data according to the target address data so that the target client performs authentication authorization according to the target authentication link;

and/or the calling unit is further configured to call a target verification interface corresponding to the target address data according to the target address data, so that the target client performs authentication and authorization according to the target verification interface.

Optionally, the system for determining a financing scheme includes:

the obtaining unit is specifically configured to obtain target credit investigation data of the target client through the target authentication link; the target credit investigation data comprises enterprise tax data, enterprise income tax data and invoice data of the target client;

and/or the obtaining unit is specifically configured to obtain the target credit investigation data of the target client through the target verification interface.

Optionally, the system for determining a financing scheme further comprises: a processing unit;

the processing unit is used for carrying out initial processing on the target credit investigation data so as to obtain the target credit investigation data after the initial processing;

the processing unit is further used for carrying out secondary processing on the initially processed target credit investigation data so as to process the secondarily processed target credit investigation data into target index data corresponding to different categories.

Optionally, the system for determining a financing scheme further comprises: an input unit;

the input unit is used for inputting the target index data of different types into a target model so that the target model can examine and approve the target index data and generate target examination and approval data;

the determining unit is specifically configured to determine the target financing scheme according to the target approval data.

Optionally, the system for determining a financing scheme further comprises: a generating unit and a processing unit;

the generating unit is used for generating post-loan inventory data corresponding to the target client according to the target financing scheme;

and the processing unit is used for generating post-loan management data according to the target financing scheme so as to process the post-loan inventory data and output post-loan management operation.

Optionally, the system for determining a financing scheme further comprises: a transmitting unit;

the generating unit is specifically configured to generate a target repayment scheme after financing processing of the target customer according to the target financing scheme;

and the sending unit is used for sending the target payment scheme to the target client so that the target client carries out payment processing according to the target payment scheme.

The second aspect of the embodiments of the present application provides a method for performing the determination of the financing scheme described in the first aspect.

A third aspect of the embodiments of the present application provides a device for determining a financing scheme, including:

the system comprises a central processing unit, a memory, an input/output interface, a wired or wireless network interface and a power supply;

the memory is a transient memory or a persistent memory;

the central processor is configured to communicate with the memory and execute the operations of the instructions in the memory to perform the method of the first aspect.

A fourth aspect of embodiments of the present application provides a computer-readable storage medium, wherein the computer-readable storage medium includes instructions that, when executed on a computer, cause the computer to perform the method according to the first aspect.

According to the technical scheme, the embodiment of the application has the following advantages:

according to the method for determining the financing scheme, the target application data of the target client are received, so that the target client is authorized according to the target application data, then, the target credit investigation data of the target client is obtained after the target client is authorized, finally, the target financing scheme is determined according to the target credit investigation data, so that loan processing is performed according to the target financing scheme, and the target client is enabled to perform financing processing according to the target financing scheme. Therefore, the operation condition of the client is measured according to the target credit investigation data of the target client to generate a financing scheme suitable for the target client, the operation process of the client is simplified, the application efficiency is improved as much as possible, and the financing method for solving the enterprise fund demand is provided for the client.

Drawings

In order to more clearly illustrate the technical solutions in the embodiments of the present application, the drawings needed to be used in the description of the embodiments are briefly introduced below, and it is obvious that the drawings in the following description are only some embodiments described in the present application, and other drawings can be obtained by those skilled in the art according to the drawings.

FIG. 1 is a schematic diagram of an enterprise financing system architecture according to an embodiment of the present disclosure;

fig. 2 is a schematic structural diagram of a credit investigation data storage scheduling system according to an embodiment of the present application;

FIG. 3 is a schematic flow chart illustrating a method for determining a financing scheme according to an embodiment of the present application;

FIG. 4 is a schematic flow chart illustrating another financing scheme determination method as disclosed in the exemplary embodiment of the present application;

FIG. 5 is a schematic structural diagram of a financing scheme determination system according to an embodiment of the present application;

fig. 6 is a schematic structural diagram of a financing scheme determining apparatus according to an embodiment of the present application.

Detailed Description

The terms "first," "second," "third," "fourth," and the like in the description and claims of this application and in the above-described drawings, if any, are used for distinguishing between similar elements and not necessarily for describing a particular sequential or chronological order. It will be appreciated that the data so used may be interchanged under appropriate circumstances such that the embodiments described herein may be practiced otherwise than as specifically illustrated or described herein. Furthermore, the terms "comprises," "comprising," and "having," and any variations thereof, are intended to cover a non-exclusive inclusion, such that a process, method, system, article, or apparatus that comprises a list of steps or elements is not necessarily limited to those steps or elements expressly listed, but may include other steps or elements not expressly listed or inherent to such process, method, article, or apparatus.

It should be noted that the descriptions relating to "first", "second", etc. in this application are for descriptive purposes only and are not to be construed as indicating or implying relative importance or implicitly indicating the number of technical features indicated. Thus, a feature defined as "first" or "second" may explicitly or implicitly include at least one such feature. In addition, technical solutions between various embodiments may be combined with each other, but must be realized by a person skilled in the art, and when the technical solutions are contradictory or cannot be realized, such a combination should not be considered to exist, and is not within the protection scope of the present application.

Manufacturing enterprises have the characteristics of heavy assets, heavy operation, large capital occupation and low turnover rate, and for small and medium-sized enterprises, the main financing requirements of purchasing fixed assets to update equipment, expand capacity and build a digital factory are the main financing requirements, but the problems of difficult financing and short financing period generally exist at present. For example, bank loan products are mostly short-term loans within one year, and have the problem of mismatching term; if the financing is leased through financing, the interest rate is higher, and other financing costs such as guarantee fund and commission charge exist.

Therefore, the supervision department encourages financial institutions to increase the financing support of the manufacturing industry, and the national development and modification committee and the Ministry of industry and industry Committee jointly issue 'notice about implementation scheme for promoting high-quality development of the industry by the economic operation of the vibroseis industry', the notice indicates that the production and operation cycle of the manufacturing industry is closely combined, the financing period is reasonably determined, the long-term loan delivery in the manufacturing industry is increased, the accuracy and the effectiveness of the financing support are improved, the long-term financing assessment and evaluation mechanism in the manufacturing industry is perfected, and the financial resources are guided to be converged to the green and low-carbon field of the industry.

In order to provide better help for financial institutions to develop credit business of manufacturing enterprises, financial resources are guided to be economically configured to entities, value discovery is taken as a core by combining the current business framework and big data analysis technology, and intelligent loan-making products are introduced for the manufacturing enterprises. It should be noted that the intelligent loan product refers to a medium-and long-term loan product which is issued to a manufacturing enterprise through an online application and automatic approval mode based on relevant data such as industry and commerce, tax, invoice, judicial law and the like, and by combining equipment invoice data provided by the manufacturing enterprise and taking a big data risk scoring model as a main basis, and is used for meeting normal fund requirements in the process of upgrading and modifying enterprise equipment and production and operation. In other words, the intelligent loan is based on technologies such as big data and model decision, through deep analysis of enterprise tax data, the daily operation activity situation of the manufacturing enterprise is accurately described, and other data sources are gathered and processed, so that the application and approval integrated full-flow service such as online customer application, enterprise identity authentication, enterprise authentication and authorization, enterprise credit approval and payment and the like of small and micro enterprises is realized.

Therefore, the embodiment of the application provides a method for determining a financing scheme, which is used for solving the problem of enterprise financing.

The technical solutions in the embodiments of the present application will be described clearly and completely with reference to the drawings in the embodiments of the present application, and it is obvious that the described embodiments are only some embodiments of the present application, and not all 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 application.

Referring to fig. 1, fig. 1 is a schematic diagram of a system architecture for enterprise financing according to an embodiment of the present application. Including a server 101 and a terminal 102.

As shown in fig. 1, the system architecture may include a server 101 and a terminal 102. Terminal 102 may be a laptop computer, desktop computer, mobile terminal, 8230, etc. The server 101 may be an independent physical server, a server cluster or a distributed system formed by a plurality of physical servers, or a cloud server providing basic cloud computing services such as a cloud database, a cloud service, cloud computing, a cloud function, cloud storage, a network service, cloud communication, middleware service, a domain name service, a security service, a CDN, a big data and artificial intelligence platform, and the like. The terminal 102 may also be an intelligent terminal such as a smart phone, a tablet computer, a palm computer, a Mobile Internet Device (MID), a wearable device (e.g., a smart watch, a smart band, etc.), an intelligent computer, and an intelligent vehicle. The server 101 and the terminal 102 can establish a communication connection therebetween. In other words, the server 101 may establish a communication connection with the terminal 102. The communication connection is not limited to a connection manner, and may be directly or indirectly connected through a wired communication manner, or may be directly or indirectly connected through a wireless communication manner, and the like, and may be determined according to an actual application scenario, and the present application is not limited herein.

It should be understood that different systems may be installed on either the terminal 102 or the server 101 in the present application. For example, the server 101 may install a credit data storage scheduling system. Specifically, the credit investigation data storage scheduling system can be docked with not only enterprise users but also financial institutions. The enterprise users generally apply for financing, such as individual users, small enterprises, and other enterprise users. It will be understood that the enterprise user is the target client mentioned in the above section, and for convenience of description, the following description of the target client is described by the enterprise user. Specifically, when the credit investigation data storage scheduling system is connected with an enterprise user in a butt joint mode, the credit assessment amount of the enterprise can be determined, the financing products meeting the enterprise requirements are provided for the enterprise user to be selected according to the credit assessment amount and the financing requirement information of the enterprise, and after the enterprise user confirms, the confirmation information is sent to the corresponding financial structure business system to be examined, approved and displayed. If the credit investigation data storage scheduling system is connected with the financial institution, the credit investigation data storage scheduling system can be connected with a plurality of different financial institution service systems for providing financing, such as a plurality of banking service systems, and connected with a financing demand processing system, upload financing product information, and carry out financing examination and approval according to a financing demand examination and approval request.

As shown in fig. 1, the terminals 102 installed with the credit investigation data storage scheduling system may also perform data interaction with the server 101 shown in fig. 1, so that each terminal 102 may receive service data (such as enterprise credit investigation data stored by the server) from the server 101.

Referring to fig. 2, fig. 2 is a schematic structural diagram of a financing scheme determining system according to an embodiment of the present application.

It should be understood that, since the system recited in the embodiment of the present application is mainly applied to a server, the modules of the system mainly include an enterprise authorization module 201, a credit data module 202, an equipment data module 203, a data cleaning module 204, an index processing module 205, a manufacturing model module 206, a post-loan inventory module 207, and a post-loan management module 208. The enterprise authorization module 201 includes a credit data module 202 and a device data module 203. Correspondingly, it can also be understood that the system is a specific embodiment of the credit data storage scheduling system.

Specifically, the enterprise authorization module 201 is mainly responsible for interfacing authorization processes of each local tax bureau to complete online authentication and authorization of the enterprise. The enterprise authorization module 201 further includes a merchant easy authorization module. It will be appreciated that the merchant easy authorization module may be understood as the device data module 203 described above. Specifically, the credit investigation data module 202 may obtain the region selected by the client, and call the corresponding region authentication link, so as to transmit the data obtained from the authentication link to the data cleansing module 204. The merchant easy data module can be understood as a packaged interface, and the collection of tax-related data can be completed through the interface under the authorization of a client. Specifically, the business easy data module may obtain the region selected by the customer, so as to call the corresponding verification interface, and transmit the data obtained from the verification interface to the data cleaning module 204.

As can be seen from the above description, the credit investigation data module 202 refers to various data of the processing enterprise, and is processed from the original data into standard data that can be applied to the model. The equipment data module 203 refers to the collection and processing of equipment invoice data. It should be further understood that, in the embodiment of the present application, the data content that can be acquired by the credit investigation data module 202 and the device data module 203 is not limited, for example, the credit investigation data module 202 may also acquire enterprise credit investigation data, such as enterprise tax data; the device data module 203 may also obtain invoice data, enterprise income tax data, and the like.

The data cleaning module 204 is mainly responsible for sorting, processing and storing the enterprise credit investigation data. The enterprise credit data comprises enterprise tax data, invoice data, industrial and commercial data, judicial data, pedestrian credit data and the like. Correspondingly, if the tax data transmitted by the credit investigation data module 202 is received, the tax data is cleaned; if the income tax and invoice data transmitted by the equipment data module 203 is received, the income tax and invoice data is cleaned.

The index processing module 205 is mainly responsible for processing the processed data into various index items required by the model, wherein the indexes include credit investigation indexes of enterprises. Specifically, the model is the model of the embodiment of the present application, and the specific product may be a wind control model.

The manufacturing model module 206 is mainly responsible for index logic judgment, and outputs enterprise approval results and financing schemes, including strong rules, analytic Hierarchy Process (AHP) scoring cards and quantitative scoring cards, financing amount, period, interest rate, and the like. Specifically, after receiving the various index items transmitted by the index processing module 205, the manufacturing model module 206 inputs the various indexes into an approval policy, where the approval policy specifically includes a wind control model such as an AHP score card or a credit score. Specifically, the AHP scoring card is classified according to the actual business through core indexes screened out by tax payment evaluation, profit conditions and operation evaluation, a risk evaluation coefficient alpha is constructed, and meanwhile, customized and continuously optimized scoring is carried out on each small and micro enterprise by combining customer group positioning and risk preference, so that the AHP scoring card has the characteristics of flexibility, timeliness and deep customization. Specifically, the credit scoring model is a model for evaluating the credit degree of the manufacturing enterprise according to the client application information and other related information, and the client characteristics of the manufacturing enterprise are researched through developing the scoring model, so that the enterprise risk of the application enterprise is predicted and judged. Correspondingly, risks are classified in an application processing link, and it is determined which applications can be approved, which applications need to be rejected, and which applications need to be manually approved. Correspondingly, according to the grading distribution of the application enterprises, different risk levels are judged, so that the loan conditions to be given to the approved accounts are decided. The manufacturing model module 206 runs through the model and then issues a specific financing scheme.

The post-loan inventory module 207 is primarily responsible for generating the loan client inventory. Specifically, the post-loan list module 207 may generate a corresponding post-loan list according to the withdrawal amount of the client after the client confirms the withdrawal. The post-loan inventory module 207 may then send the post-loan inventory to the post-loan management module 208.

The post-loan management module 208 is primarily responsible for post-loan management for financing enterprises. Specifically, the post-loan management module 208 may perform access, sorting, post-loan index processing of post-loan data according to the post-loan management list, and output a post-loan management specific action. For example, after receiving the post-loan list sent by the post-loan list module 207, the post-loan management module 208 may access the corresponding business judicial data, and then access the corresponding post-loan bank tax data according to the business judicial data. Correspondingly, after receiving the post-loan list sent by the post-loan list module 207, the post-loan management module 208 may also access the corresponding post-loan merchant accessibility data. After the post-loan bank tax data and the post-loan merchant easy-to-pass data are collated, the post-loan early warning model can be imported, so that post-loan management is dynamically performed. And then sends the corresponding repayment flow to the client.

Referring to fig. 3, fig. 3 is a flowchart illustrating a method for determining a financing scheme according to an embodiment of the present application. Comprising steps 301-303. It should be understood that each module in fig. 2 may be applied to the execution flow of fig. 3, and for convenience of description, details thereof are not repeated in the following.

301. And receiving target application data of the target client so as to authorize the target client according to the target application data.

Accordingly, the method for determining a financing scheme provided in this embodiment is mainly applied to enterprise users, and correspondingly, in this embodiment, the enterprise users generally apply for financing, such as enterprise users of small and medium enterprises. For convenience of description, the description is not repeated in the following. It should be understood that the enterprise user at this time is the target client mentioned in the above section, and for convenience of description, the following description of the target client is only described in detail with respect to the enterprise user. It should be further understood that, in this embodiment, the enterprise users mainly include enterprise users of the manufacturing enterprise, and specific details are not limited herein, and for convenience of understanding, the embodiment is described in detail with the enterprise users of the manufacturing enterprise.

It should be noted that, the method for determining a financing scheme provided in this embodiment is mainly applied to a credit investigation data storage scheduling system, and for convenience of description, a subsequent execution subject mainly describes in detail the credit investigation data storage scheduling system, but it is understood that the credit investigation data storage scheduling system is only one specific embodiment that may be implemented by this embodiment, and is not limited to be used on other systems.

In this embodiment, when an enterprise user needs to perform financing, the enterprise may submit an application on line, and correspondingly, the application may be submitted on an operation interface of the credit investigation data storage scheduling system, so that the credit investigation data storage scheduling system may receive target application data of the enterprise user.

Specifically, after the enterprise user clicks the application, the credit investigation data storage scheduling system needs to perform online authorization on the enterprise user. The process needs to transfer an enterprise authorization module to complete the enterprise authorization process. Correspondingly, the enterprise authorization module can receive the target application data of the enterprise user and then authorize the enterprise client according to the target application data.

In one embodiment, the enterprise authorization module may perform a credit assessment on the application submitted by the enterprise user to a financial institution or other third-party institution, determine a credit assessment result of the enterprise user, and obtain the credit assessment result when the enterprise user is applying for financing. And if the credit evaluation result passes, finishing the authorization operation of the enterprise user.

302. And when the authorization of the target client is finished, acquiring target credit investigation data of the target client.

After the authorization of the enterprise user passes, the enterprise authorization module in the credit investigation data storage scheduling system can call the enterprise credit investigation data of the enterprise user according to the authorization result, it is understood that the enterprise credit investigation data in this embodiment is the target credit investigation data described in the above section, and for convenience of description, the following description of the target credit investigation data is only described in detail with the enterprise credit investigation data.

In one specific embodiment, the enterprise authorization module may invoke enterprise credit investigation data of the financial institution or other third institution corresponding to the enterprise user, wherein the enterprise credit investigation data may include historical financing information and historical credit investigation records of the enterprise user.

For example, the information may be a financing amount of an enterprise, basic information of the enterprise, or information such as an enterprise name and a tax payment identification number of the enterprise, and specific content included in the enterprise credit data is not limited here, and is not further described here.

The enterprise credit investigation data also comprises credit businesses such as loan, trade financing, bank acceptance draft, bill discount, guarantee, credit card, insurance letter and the like, and guarantee, payment and debt information related to the businesses. The loans comprise various loans such as mobile capital loans, fixed asset loans, project financing loans, parallel purchasing loans, banker loans, entrusted loans and the like.

303. And determining a target financing scheme according to the target credit investigation data, performing loan processing according to the target financing scheme, and enabling the target client to perform financing processing according to the target financing scheme.

After the credit investigation data storage and scheduling system acquires the enterprise credit investigation data, other modules in the credit investigation data storage and scheduling system can clean, arrange and process the enterprise credit investigation data, so that a final enterprise financing scheme is determined. It will be appreciated that the enterprise financing program is the target financing program mentioned in the preceding section, and for ease of understanding and description, the following description of the target financing program is described in detail in terms of the enterprise financing program.

In one embodiment, the enterprise financing scheme is a financing scheme that provides medium and long term financing for the manufacturing enterprise.

In another specific embodiment, financial institutions, such as large banks, may loan enterprise users according to the enterprise financing plan. Correspondingly, an enterprise user, such as a large manufacturing enterprise, can obtain the loan amount of the financial institution according to the enterprise financing scheme, thereby carrying out financing and the like.

According to the method for determining the financing scheme, the target application data of the target client are received to authorize the target client according to the target application data, then the target credit investigation data of the target client are obtained after the authorization of the target client is completed, finally, the target financing scheme is determined according to the target credit investigation data to carry out loan processing according to the target financing scheme, and the target client carries out financing processing according to the target financing scheme. Therefore, the operation condition of the client is measured according to the target credit investigation data of the target client to generate a financing scheme suitable for the target client, the operation process of the client is simplified, the application efficiency is improved as much as possible, and the financing method for solving the enterprise fund demand is provided for the client.

For the convenience of describing the method for determining a financing scheme in detail, please refer to fig. 4, where fig. 4 is a schematic flow chart of another method for determining a financing scheme disclosed in the embodiment of the present application. Including steps 401-409. It should be understood that each module in fig. 2 may be applied to the execution flow of fig. 4, and for convenience of description, details thereof are not repeated in the following.

401. Target address data of a target client is received.

Step 401 in this embodiment is similar to step 301 in fig. 3, and is not described herein again. It should be noted that, when the enterprise user submits an application, the enterprise user may also choose to submit the target address data, which corresponds to the local address of the enterprise user. Therefore, the enterprise authorization module can acquire the target address data of the enterprise user.

402. And calling a target authentication link corresponding to the target address data according to the target address data so that the target client performs authentication and authorization according to the target authentication link.

As can be seen from fig. 2, the enterprise authorization module includes a credit investigation data module and an equipment data module, wherein the equipment data module may be specifically a business easy access data module in this embodiment.

In one embodiment, the credit investigation data module (for example, including a business easy data module) may call a regional authentication link corresponding to the target address data of the obtained enterprise user according to the target address data. It will be understood that the local authentication link is the target authentication link described in the above section. For ease of description and understanding, the following description of the target authentication link is described in detail with respect to the zone authentication link.

Specifically, the credit investigation data module can jump to a credit investigation platform of a financial institution or a third-party institution through the regional authentication link, so as to acquire credit granting evaluation information of the enterprise user, namely enterprise credit investigation data of the enterprise user. Specifically, the enterprise credit investigation data may include enterprise tax data, invoice data, industry and commerce data, judicial data, human credit investigation data, and the like, and the content included in the enterprise credit investigation data is not specifically limited herein.

In another embodiment, the device data module may call, according to the obtained target address data of the enterprise user, a verification interface corresponding to the target address data. It will be appreciated that the verification interface is the target verification interface described in the preceding section. For convenience of description and understanding, the following description of the target verification interface is described in detail in terms of a verification interface.

Specifically, the device data module can complete collection of tax-related data under the condition of client authorization through the verification interface, so that credit granting evaluation information of the enterprise user, namely enterprise credit investigation data of the enterprise user, is obtained.

403. And acquiring target credit investigation data of the target client through the target authentication link.

Step 403 in this embodiment is similar to step 302 in fig. 3, and is not described herein again. However, it should be noted that after the enterprise authorization module obtains the target address data of the enterprise user, the enterprise credit investigation data of the enterprise user can be obtained through the target address data.

In one embodiment, see step 402. The credit investigation data module in the enterprise authorization module can interact with a system of a financial institution or a third-party institution by calling the regional authentication link, so that the enterprise credit investigation data is obtained. Specifically, in this embodiment, for convenience of description, the enterprise credit investigation data obtained from the regional authentication link is described in detail in the following with tax data. Correspondingly, that is, the credit investigation data module can obtain the tax data of the enterprise user through the target address data.

In another embodiment, see step 402. The equipment data module (business easy-to-communicate data module) in the enterprise authorization module can interact with the system of the financial institution or a third party institution by calling the verification interface, so as to obtain enterprise credit investigation data. Specifically, in this embodiment, for convenience of description, the enterprise credit data acquired from the verification interface and the obtained tax and invoice data are described in detail later. Correspondingly, that is, the device data module (merchant easy data module) can obtain the income tax and invoice data of the enterprise user through the target address data.

404. And carrying out initial processing on the target credit investigation data to obtain the initially processed target credit investigation data.

In this embodiment, step 404 mainly requires the data cleansing module. After the data cleaning module acquires the enterprise credit investigation data transmitted by the enterprise authorization module, the enterprise credit investigation data can be initially processed, so that the initially processed enterprise credit investigation data is acquired.

Specifically, after the data cleaning module acquires the enterprise credit investigation data, the enterprise credit investigation data is sorted, processed and stored, so that the enterprise credit investigation data conforming to a subsequent manufacturing model is acquired.

In one specific embodiment, the data cleaning module acquires the tax data from the credit data module, and can clean the tax data, so that the tax data which does not conform to a subsequent manufacturing model is removed. For example, tax data that is subject to errors or system calculations in taxes, tax amount, application tax rate, or class tax amount may be discarded.

In another specific embodiment, the data cleaning module acquires the obtained tax and invoice data from the equipment data module (merchant easy-to-pass data module), and can clean the obtained tax and invoice data so as to remove the obtained tax and invoice data which do not conform to the subsequent manufacturing model. For example, in the case of a liquid,

405. and performing secondary processing on the initially processed target credit investigation data so as to process the initially processed target credit investigation data into target index data corresponding to different categories.

In this embodiment, the index processing module is mainly required in step 405. After the index processing module acquires the enterprise credit investigation data after the initial processing, the enterprise credit investigation data at the moment can be processed for the second time.

Specifically, the index processing module mainly performs index processing on the initially processed enterprise credit investigation data, so that the initially processed enterprise credit investigation data is processed into various index items required by the manufacturing model, such as credit investigation indexes of enterprises. Correspondingly, each index can be understood as a multi-dimensional index, and besides the credit investigation indexes, the credit investigation indexes can also comprise credit increase indexes of an enterprise, namely whether the enterprise has mortgage or a guarantor.

It is to be understood that each type of index items in the present embodiment is target index data of different types described in the above section. For convenience of description, the following description of the target index data is described in detail in terms of index items.

406. And inputting the target index data of different categories into the target model so that the target model can examine and approve the target index data and generate target examination and approval data.

In this embodiment, step 406 mainly requires the manufacturing model module. After the manufacturing industry model module obtains the enterprise credit investigation data which is transmitted by the index processing module and processed by the index processing module, the enterprise credit investigation data is input into the manufacturing industry model, so that the model is run and approved, and the enterprise credit investigation data is approved. It is understood that the manufacturing model is the target model mentioned in the above section, and for convenience of description, the following description of the target model is described in detail with the manufacturing model, and is not repeated in the following.

Specifically, the manufacturing model module can construct a manufacturing model, so that various indexes in the enterprise credit investigation data are processed logically, and the enterprise approval result is obtained. That is, the manufacturing industry model module is responsible for logical judgment of various indexes, so as to perform online examination and approval and output an enterprise examination and approval result. The enterprise approval result can be understood as the target approval data mentioned in the above section, and for convenience of description, the following description of the target approval data is described in detail with the approval result.

In one embodiment, the various indicators may be various rules, such as tax rules, enterprise income tax rules, invoice rules, and the like. It should be understood that, the content included in the index is not limited herein, and is not described in detail later.

407. And determining a target financing scheme according to the target approval data.

In this embodiment, step 407 mainly requires the manufacturing model module. After the manufacturing industry model module generates the approval result, an enterprise financing scheme can be provided according to the approval result, wherein the enterprise financing scheme comprises a strong rule, an AHP scoring card, a quantitative scoring card, a financing amount, a term, an interest rate and the like. It is understood that the enterprise financing scheme is the target financing scheme mentioned in the above section, and for convenience of description, the following description of the target financing scheme is described in detail in terms of the enterprise financing scheme, and is not described in detail in the following.

The strong rule can be understood as a basic admission rule, and is a rule which is extracted based on anti-fraud, compliance and other requirements and is necessary and common to carry out user preliminary screening, so that non-target enterprise users are filtered. For example, an age threshold may be set that is eliminated if the legal representative of the enterprise user is below.

It should be noted that AHP is a simple, flexible and practical multi-criteria decision method for quantitative analysis of qualitative problems. The method is characterized in that various factors in the complex problem are classified into mutually-connected ordered levels, so that the factors are organized, opinions and objective judgment results are directly and effectively combined according to a certain objective and realistic subjective judgment structure (mainly pairwise comparison), and the importance of pairwise comparison of elements in one level is quantitatively described. Then, a weight value reflecting the relative importance order of each layer element is calculated by a mathematical method, and the relative weight of all the elements is calculated through the total ordering among all the layers and the elements are ordered.

The quantitative scoring card can be understood as a scoring rule, and can be used for scoring various indexes in the enterprise credit investigation data and the like. In other words, the quantitative rating card may also be understood as a credit rating model that is a model for evaluating the credit degree of a manufacturing enterprise based on the customer application information and other related information, and predicts and assesses the risk of the application enterprise by developing a rating model to research the customer characteristics of the manufacturing enterprise. And classifying the risks in an application processing link, and determining which applications can be approved, which applications need to be rejected and which applications need to be manually approved. And determining different risk levels according to the grading distribution of the application enterprises, thereby deciding what loan conditions are given to the accounts which can be approved. And (3) establishing a credit scoring model through a sample for pre-credit auxiliary examination and approval, and constructing a complete model application strategy by combining with tax-related data and other forming rules. High-risk customers can be identified, scored according to model results, and risk graded.

408. And generating post-loan inventory data corresponding to the target customer according to the target financing scheme.

In this embodiment, step 408 requires the use of a post-loan manifest module. After the target financing scheme is confirmed, the financial institution and the enterprise user can sign a contract to deposit money, which may be a manufacturing enterprise in this embodiment. In the signing process, the financial institution and the manufacturing enterprise sign the financing agreement and operate other processes required for withdrawing money, which is not limited in the embodiment.

Specifically, the post-loan inventory module may generate the listing of the paying customer when the manufacturing enterprise confirms the withdrawal. It will be understood that the listing of the paying customer is the post-loan listing data described in the preceding section, and that the customer is the business user who confirms the withdrawal.

In one embodiment, the customer list may be presented in tabular form.

409. And generating post-loan management data according to the target financing scheme to process the post-loan inventory data and output post-loan management operation.

In this embodiment, step 409 mainly requires the post-loan management module. As can be appreciated from the description of FIG. 2, the post-loan management module is primarily responsible for post-loan management for financing enterprises (enterprise users that validate withdrawals).

Specifically, the financial institution is also interfaced with the credit investigation data storage and scheduling system provided in this embodiment, so that the financial institution can generate a post-loan management list according to the enterprise financing scheme, and the post-loan management module performs access, sorting, post-loan index processing on post-loan data according to the post-loan management list, and outputs a post-loan management specific action. It will be appreciated that the post-loan management statement is the post-loan management data described above, and for convenience of description, the following description of the post-loan management data is described in detail in the post-loan management statement.

Correspondingly, the post-loan management module can determine the loan customer list so as to collect the business and judicial data of the corresponding enterprise user, so as to arrange the post-loan bank tax data.

After the post-loan management list is obtained, the post-loan data can be accessed, sorted, processed according to post-loan indexes, and specific post-loan management actions are output.

It should be noted that, the specific action of post-loan management may be to import the processed post-loan data or post-loan index into a post-loan early warning model, so as to dynamically manage the post-loan data, so as to dynamically monitor enterprise users.

And finally, carrying out an expiration repayment process according to the analysis on the data after the loan. In particular, the payment due flow relates to monthly payment and payment due of the enterprise, namely, the enterprise user pays the payment due by time. Thereby providing a full-flow solution for medium and long term financing for manufacturing enterprises.

According to the method for determining the financing scheme, firstly, the whole operation condition of an enterprise is measured through enterprise credit investigation data, the whole condition of the enterprise is judged in a multi-dimensional mode, and the loan risk is reduced. And secondly, online real-time application and real-time approval are realized by constructing a wind control model and establishing an online application process, the operation process of an enterprise is simplified, and the application efficiency is improved. And thirdly, the loan is dynamically managed through the post-loan management system, so that the financial institution is helped to monitor the operation dynamic of the enterprise in real time. Finally, a medium and long term financing scheme is provided for manufacturing enterprises. Specifically, enterprise trades, judicial works, taxes (including acquired tax data) and invoice data are introduced, a manufacturing model is built, an online product application channel is built, an online application and real-time approval medium-long term financing scheme is provided for manufacturing enterprises, and the transformation and upgrading of the manufacturing enterprises are supported.

It should be understood that, although the steps in the flowcharts related to the embodiments as described above are sequentially displayed as indicated by arrows, the steps are not necessarily performed sequentially as indicated by the arrows. The steps are not performed in the exact order shown and described, and may be performed in other orders, unless explicitly stated otherwise. Moreover, at least a part of the steps in the flowcharts related to the embodiments described above may include multiple steps or multiple stages, which are not necessarily performed at the same time, but may be performed at different times, and the execution order of the steps or stages is not necessarily sequential, but may be performed alternately or alternately with other steps or at least a part of the steps or stages in other steps.

If the scenario involves sensitive data (e.g., user data, enterprise data), it should be noted that the collection, use, and processing of sensitive data requires compliance with relevant national and regional laws and regulations and standards, and requires approval or consent by the respective subject (e.g., user or enterprise, etc.).

Referring to fig. 5, fig. 5 is a schematic structural diagram of another financing scheme determining system disclosed in the embodiment of the present application.

A receiving unit 501, configured to receive target application data of a target client, so as to authorize the target client according to the target application data;

an obtaining unit 502, configured to obtain target credit investigation data of a target client after authorization of the target client is completed;

the determining unit 503 is configured to determine a target financing scheme according to the target credit investigation data, so as to perform loan processing according to the target financing scheme, and enable the target client to perform financing processing according to the target financing scheme.

Optionally, the system for determining a financing scheme further includes: a calling unit 504;

a receiving unit 501, specifically configured to receive target address data of a target client;

a calling unit 504, configured to call a target authentication link corresponding to the target address data according to the target address data, so that the target client performs authentication authorization according to the target authentication link;

and/or the calling unit 504 is further configured to call a target verification interface corresponding to the target address data according to the target address data, so that the target client performs authentication and authorization according to the target verification interface.

Optionally, the system for determining the financing scheme includes:

an obtaining unit 502, specifically configured to obtain target credit investigation data of a target client through a target authentication link; the target credit investigation data comprises enterprise tax data, enterprise income tax data and invoice data of a target client;

and/or the obtaining unit 502 is specifically configured to obtain the target credit investigation data of the target client through the target verification interface.

Optionally, the system for determining a financing scheme further includes: a processing unit 505;

a processing unit 505, configured to perform initial processing on the target credit investigation data to obtain the target credit investigation data after the initial processing;

the processing unit 505 is further configured to perform secondary processing on the initially processed target credit investigation data, so as to process the secondarily processed target credit investigation data into target index data corresponding to different categories.

Optionally, the system for determining a financing scheme further includes: an input unit 506;

an input unit 506, configured to input different types of target index data into a target model, so that the target model approves the target index data, and generates target approval data;

the determining unit 503 is specifically configured to determine the target financing scheme according to the target approval data.

Optionally, the system for determining a financing scheme further includes: a generation unit 507 and a processing unit 508;

a generating unit 507, configured to generate post-loan inventory data corresponding to the target customer according to the target financing scheme;

and the processing unit 508 is configured to generate post-loan management data according to the target financing scheme, process the post-loan inventory data, and output post-loan management operations.

Optionally, the system for determining a financing scheme further includes: a transmitting unit 509;

a generating unit 507, specifically configured to generate a target repayment scheme after financing processing of the target customer according to the target financing scheme;

a sending unit 509, configured to send the target payment scheme to the target client, so that the target client performs payment processing according to the target payment scheme.

Referring to fig. 6, a schematic structural diagram of a device for determining a financing scheme disclosed in an embodiment of the present application includes:

a central processing unit 601, a memory 605, an input/output interface 604, a wired or wireless network interface 603 and a power supply 602;

memory 605 is a transient storage memory or a persistent storage memory;

the central processor 601 is configured to communicate with the memory 605 and execute the instructions in the memory 605 to perform the method of any of the embodiments shown in fig. 3-4.

An embodiment of the present application further provides a chip system, where the chip system includes at least one processor and a communication interface, where the communication interface and the at least one processor are interconnected by a line, and the at least one processor is configured to execute a computer program or instructions to perform the method in any one of the embodiments shown in fig. 3 to fig. 4.

It is clear to those skilled in the art that, for convenience and brevity of description, the specific working processes of the above-described systems, apparatuses and units may refer to the corresponding processes in the foregoing method embodiments, and are not described herein again.

In the several embodiments provided in the present application, it should be understood that the disclosed system, apparatus and method may be implemented in other ways. For example, the above-described apparatus embodiments are merely illustrative, and for example, the division of the units is only one logical division, and other divisions may be realized in practice, for example, a plurality of units or components may be combined or integrated into another system, or some features may be omitted, or not executed. In addition, the shown or discussed mutual coupling or direct coupling or communication connection may be an indirect coupling or communication connection through some interfaces, devices or units, and may be in an electrical, mechanical or other form.

The units described as separate parts may or may not be physically separate, and parts displayed as units may or may not be physical units, may be located in one place, or may be distributed on a plurality of network units. Some or all of the units can be selected according to actual needs to achieve the purpose of the solution of the embodiment.

In addition, functional units in the embodiments of the present application may be integrated into one processing unit, or each unit may exist alone physically, or two or more units are integrated into one unit. The integrated unit can be realized in a form of hardware, and can also be realized in a form of a software functional unit.

The integrated unit, if implemented in the form of a software functional unit and sold or used as a stand-alone product, may be stored in a computer readable storage medium. Based on such understanding, the technical solutions of the present application, which are essential or part of the technical solutions contributing to the prior art, or all or part of the technical solutions, may be embodied in the form of a software product, which is stored in a storage medium and includes several instructions for causing a computer device (which may be a personal computer, a server, or a network device, etc.) to execute all or part of the steps of the methods described in the embodiments of the present application. And the aforementioned storage medium includes: a U-disk, a removable hard disk, a read-only memory (ROM), a Random Access Memory (RAM), a magnetic disk or an optical disk, and the like.

Claims

1. A method for determining a financing program, the method comprising:

2. The method of claim 1, wherein receiving target application data for a target customer to authorize the target customer based on the target application data comprises:

receiving target address data of the target client;

3. The method of determining a financing scheme according to claim 1 or 2, characterized in that the obtaining of the target credit data of the target client comprises:

4. The method of determining a financing scheme according to claim 1, characterized in that before determining a target financing scheme based on the target credit data, the method further comprises:

and performing secondary processing on the initially processed target credit investigation data so as to process the secondarily processed target credit investigation data into target index data corresponding to different categories.

5. The method of determining a financing scheme according to claim 4, characterized in that the determining a target financing scheme according to the target credit data comprises:

6. The method of determining a financing scheme as claimed in claim 1, wherein after determining a target financing scheme based on the target credit data, the method further comprises:

and generating post-loan management data according to the target financing scheme, processing the post-loan inventory data, and outputting post-loan management operation.

7. The method of determining a financing scheme according to claim 6, wherein the post-loan management operations comprise:

and sending the target payment scheme to the target customer so that the target customer carries out payment processing according to the target payment scheme.

8. A system for determining a financing program, the system comprising:

and the determining unit is used for determining a target financing scheme according to the target credit investigation data, so as to carry out loan processing according to the target financing scheme and enable the target client to carry out financing processing according to the target financing scheme.

9. An apparatus for determining a financing scheme, the apparatus comprising:

the memory is a transient storage memory or a persistent storage memory;

the central processor is configured to communicate with the memory and execute instructions in the memory operative to perform the method of determining a financing scheme as claimed in any one of claims 1 to 7.

10. A computer-readable storage medium comprising instructions that when executed on a computer cause the computer to perform a method of determining a financing scheme as defined in any of claims 1 to 7.