CN115564591A

CN115564591A - Financing product determination method and related equipment

Info

Publication number: CN115564591A
Application number: CN202211175298.0A
Authority: CN
Inventors: 蔡晓璇; 张筱野; 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: 2023-01-03

Abstract

The embodiment of the application provides a financing product determination method, which is used for providing adaptive financing products for customers so as to reduce the customer financing process. The method in the embodiment of the application comprises the following steps: acquiring target financing information of a target client; determining one or more financing products to be selected in at least one financing product according to the target financing information; determining a target credit line of the one or more financing products to be selected; and displaying a target credit line corresponding to the one or more financing products to be selected to the target client, so that the target client determines a target financing product in the one or more financing products to be selected according to the target credit line.

Description

Financing product determination method and related equipment

Technical Field

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

Background

The intelligent financing solution for the small and micro enterprises is to help credit institutions to actively respond to calls of national and financial supervision institutions to support the civil and economic support of the small and micro enterprises, meet the demand of bank financial science and technology development, accelerate the support force to the general finance, and promote the automation, the mass and the internet development of the loan services of the small and micro enterprises based on the experience and the achievement of business development of the small and micro enterprises in the banking industry. The method solves the difficult problems of difficult financing and expensive financing of small and micro enterprises, thereby promoting the development of popular financial business.

However, the current product in the market is of many kinds. If the customer applies for incoming documents, the current processing flow causes that the customer cannot clearly determine the products which the customer accords with, and the financial products applied by the customer need to be reselected if the financial products cannot meet the application conditions, so that the current flow for determining the financial products is complicated.

Disclosure of Invention

The embodiment of the application provides a financing product determination method, which is used for providing adaptive financing products for customers so as to reduce the customer financing process.

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

acquiring target financing information of a target client;

determining one or more financing products to be selected in at least one financing product according to the target financing information;

determining a target credit limit of the one or more financing products to be selected;

and displaying a target credit line corresponding to the one or more financing products to be selected to the target client, so that the target client determines a target financing product in the one or more financing products to be selected according to the target credit line.

Optionally, the obtaining target financing information of the target customer includes:

acquiring initial financing information of an initial client, wherein the initial financing information at least comprises operation age information;

judging whether the initial client meets a preset age limit condition or not according to the initial financing information;

and if so, determining the initial client as the target client and determining the initial financing information as the target financing information.

Optionally, the determining one or more financing products to be selected in at least one financing product according to the target financing information includes:

obtaining at least one financing product, wherein each said financing product has a respective financing eligibility rule;

and selecting the financing product of which the target financing information is matched with the financing qualified rule from the at least one financing product as the financing product to be selected.

Optionally, the target financing information comprises target credit information and does not comprise target credit information;

the determining one or more to-be-selected financing products in at least one financing product according to the target financing information comprises:

determining, among the at least one financing product, a financing product that the target credit information satisfies;

and if the number of the satisfied financing products is multiple, determining the financing product corresponding to the optimal credit line in the multiple satisfied financing products as the financing product to be selected.

Optionally, the target financing information includes target credit information and target credit increase information;

determining a financing product meeting the target credit information in the at least one financing product, and judging whether the financing product meeting the target credit information exists or not to obtain a first judgment result;

judging whether the target message increase information meets a preset message increase condition or not to obtain a second judgment result;

and determining the financing product to be selected according to the first judgment result and the second judgment result.

Optionally, the determining, according to the first determination result and the second determination result, a financing product to be selected includes:

and if the first judgment result is yes and the second judgment result is yes, determining the financing product meeting the target credit information as the financing product to be selected in the financing products meeting the target credit information.

Optionally, the determining the target credit line of the one or more financing products to be selected comprises:

and determining the credit line corresponding to the target credit information and the credit line corresponding to the target credit information in the financing product to be selected as the target credit line.

and if the first judgment result is yes and the second judgment result is no, determining the financing product met by the target credit information as the financing product to be selected.

and if the first judgment result is negative and the second judgment result is positive, determining a financing product which is satisfied by the target credit increase information in the at least one financing product, and determining the financing product which is satisfied by the target credit increase information as a financing product to be selected.

and if the first judgment result is negative and the second judgment result is negative, determining that the financing product to be selected is empty.

A second aspect of an embodiment of the present application provides a system for determining a financing product, including:

the acquisition unit is used for acquiring target financing information of a target client;

the determining unit is used for determining one or more financing products to be selected in at least one financing product according to the target financing information;

the determining unit is further used for determining the target credit limit of the one or more financing products to be selected;

and the display unit is used for displaying a target credit line corresponding to the one or more financing products to be selected to the target client, so that the target client determines a target financing product in the one or more financing products to be selected according to the target credit line.

Optionally, the system for determining financing products further comprises: a judgment unit;

the acquisition unit is specifically used for acquiring initial financing information of an initial client, wherein the initial financing information at least comprises operation age information;

the judging unit is used for judging whether the initial client meets a preset age limit condition according to the initial financing information;

the determining unit is specifically configured to determine that the initial customer is the target customer and determine that the initial financing information is the target financing information when the initial customer meets a preset age condition.

Optionally, the system for determining financing products further comprises: a selection unit;

the acquiring unit is specifically configured to acquire at least one financing product, where each financing product has a respective financing eligibility rule;

and the selecting unit is used for selecting the financing product of which the target financing information is matched with the financing qualified rule from the at least one financing product as the financing product to be selected.

Optionally, the target financing information comprises target credit information and does not comprise target credit information; the system for determining financing products comprises:

the determining unit is specifically configured to determine, in the at least one financing product, a financing product that is satisfied by the target credit information;

the determining unit is specifically configured to determine, when a plurality of financing products are satisfied, a financing product corresponding to an optimal credit line of the satisfied financing products as the financing product to be selected.

Optionally, the target financing information includes target credit information and target credit increase information; the system for determining financing products comprises:

the judgment unit is specifically configured to determine, in the at least one financing product, a financing product that meets the target credit information, judge whether a financing product that meets the target credit information exists, and obtain a first judgment result;

the judging unit is specifically configured to judge whether the target credit increase information meets a preset credit increase condition, so as to obtain a second judgment result;

the determining unit is specifically configured to determine, according to the first determination result and the second determination result, a financing product to be selected.

Optionally, the system for determining financing products comprises:

the determining unit is specifically configured to determine, when the first determination result is yes and the second determination result is yes, a financing product that is satisfied by the target credit information as a financing product to be selected, from the financing products that are satisfied by the target credit information.

Optionally, the system for determining financing products comprises:

the determining unit is specifically configured to determine a credit line corresponding to the target credit information and a credit line corresponding to the target credit information in the financing product to be selected as the target credit line.

Optionally, the system for determining financing products comprises:

the determining unit is specifically configured to determine, when the first determination result is yes and the second determination result is no, a financing product that is satisfied by the target credit information as a financing product to be selected.

Optionally, the system for determining financing products comprises:

the determining unit is specifically configured to determine, when the first determination result is negative and the second determination result is positive, a financing product that is satisfied by the target credit increase information in the at least one financing product, and determine the financing product that is satisfied by the target credit increase information as a financing product to be selected.

Optionally, the system for determining financing products comprises:

the determining unit is specifically configured to determine that the financing product to be selected is empty when the first determination result is negative and the second determination result is negative.

According to a second aspect of embodiments of the present application, there is provided a method for performing the determination of financing products according to the first aspect.

A third aspect of the embodiments of the present application provides a device for determining financing products, 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 instructions operative in the memory to perform the method of financing product determination 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 comprises instructions that, when executed on a computer, cause the computer to perform the method for determining a financing product 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 products, the target financing information of the target client is obtained, then one or more financing products to be selected are determined in at least one financing product according to the target financing information, next, the target credit line of the one or more financing products to be selected is determined, and finally, the target credit line corresponding to the one or more financing products to be selected is displayed to the target client, so that the target client can determine the target financing product in the one or more financing products to be selected according to the target credit line. Therefore, the scheme of selecting the optimal financing product for the client as far as possible can effectively meet the financing requirement of the client, reduce the financing process of the client and improve the experience of 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 flow chart illustrating a method for determining financing products according to an exemplary embodiment of the present disclosure;

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

fig. 4 is a block diagram of a combination of a credit scenario and a mortgage/guaranty scenario according to an embodiment of the disclosure;

FIG. 5 is a block diagram of a credit product for a small enterprise according to an embodiment of the present disclosure;

FIG. 6 is a schematic illustration of a post-loan auxiliary monitoring process disclosed in an embodiment of the present application;

FIG. 7 is a block diagram of a financing product determination system as disclosed in an embodiment of the present application;

fig. 8 is a schematic structural diagram of a financing product determination apparatus according to an embodiment of the present application.

Detailed Description

The terms "first," "second," "third," "fourth," and the like in the description and in the claims of the present application and in the drawings described above, 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. Moreover, 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 in this application referring to "first", "second", etc. 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 the embodiments may be combined with each other, but must be based on the realization of the technical solutions by a person skilled in the art, and when the technical solutions are contradictory to each other or cannot be realized, such a combination should not be considered to exist, and is not within the protection scope claimed in the present application.

At present, most credit enterprises take enterprise tax data as a core, and multi-dimensional data such as industrial and commercial, judicial, credit collection, real estate, equipment, intellectual property, income tax, cigarette ordering, credit agency owned data and the like are combined to formulate differentiated online credit products for passenger groups in different scenes.

It should be noted that the solutions in the target market include various types, for example:

general tax and loan integrated scheme: the method is characterized in that enterprise tax data is taken as a core, and online financing and loan products for small and micro enterprises, small and micro enterprise owners and individual industrial and commercial enterprises are created by combining with data information of other users of industrial and scientific enterprises, judicial enterprises, people's bank credit, blacklists, anti-fraud mechanisms and credit institutions. The micro public telecommunication department divides a plurality of layers of customers into groups according to the characteristics of different customer groups, and divides the customers into enterprises, business owners and individual industrial and commercial enterprises according to the main borrowing body. And researching and developing multi-dimensional approval rules and models for different customer groups. And different customer groups are provided with corresponding tax rules, approval models and limit models.

The integrated scheme of the department, enterprise and loan: the branch enterprise loan is based on technologies such as big data and model decision, accurately depicts the daily operation activity condition of a scientific and technological enterprise through deep analysis of enterprise tax data, and summarizes and processes other data sources, so that the application and approval integrated full-flow service such as online customer application, enterprise identity authentication, enterprise authentication and authorization, intellectual property information acquisition, enterprise credit approval, payment and the like of a small and micro enterprise is realized. The characteristics of different life cycles of the scientific and technological enterprises are fully considered, corresponding wind control strategies are formulated in the business process according to the life cycles of the scientific and technological enterprises, and corresponding wind control approval strategies are divided into corresponding wind control approval strategies for the enterprises in the initial period and the enterprises in the growth period according to the business scale and the establishment period of the enterprises.

Export loan integration scheme: the export loan is based on technologies such as big data and model decision, the daily operation activity condition of an export enterprise is accurately described through deep analysis of enterprise tax data and tax refund data, 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, tax information acquisition, enterprise credit approval, payment and the like of a small and micro enterprise is realized. And (4) making a targeted wind control strategy by fully considering different business types and trade export modes of the export-type enterprise.

Intelligent loan integration scheme: the intelligent loan creation is based on the big data analysis of the manufacturing enterprise as the main basis, the operation portrait of the manufacturing enterprise is described according to credit investigation data, the internet of things equipment provider outputs the equipment portrait according to the equipment data, a manufacturing wind control model is built by three parties together, and an online fixed asset financing product scheme is provided for a credit agency by combining online flow design.

Supply chain finance integration scheme: supply chain finance develops supply chain financial services such as bills, accounts receivable, inventory, pre-paid money and the like based on real transaction background by relying on the advantages of industry chain leading enterprises, and is oriented to credit loans of natural persons and individual industrial and commercial enterprises of small and medium-sized enterprises or small and micro-sized enterprises supplying goods to core enterprises.

The integrated scheme of cigarette quotient and loan: the cigarette merchant loan is based on technologies such as big data and model decision, daily operation conditions of small and micro enterprises and individual industrial and commercial businesses are accurately described through deep analysis of the borrower smoke ordering data, other data sources are gathered and processed, and application and approval integrated full-flow service such as on-line client application, identity authentication, authentication and authorization, credit approval and payment is realized for the small and micro enterprises and the individual industrial and commercial businesses.

Tax and loan integrated scheme: the product combines enterprise operation data and real estate data; on the premise of deeply describing the business operation condition of an enterprise, the description asset condition is considered, risk assessment can be performed on the enterprise and the mortgage-like assets from different dimensions, the full-process credit intelligent wind control service is realized, the system comprises an online auxiliary bank decision approval system and an online auxiliary bank post-credit monitoring management system, and the full-process closed-loop management before, during and after the credit is realized.

For convenience of description, the detailed contents of the above integration schemes are not described in detail later.

Therefore, the current situation of products operated on the market is that the products are more in variety. If the client can not accurately judge the product belonging to the client when applying for incoming documents, the client selects the wrong product, and the approval is not passed, so that the client is lost; or the same customer simultaneously meets the conditions of applying for a plurality of products, but the customer is difficult to select the optimal product, so that the maximum requirement of the customer cannot be met, and the experience of the customer is poor.

Therefore, the embodiment of the application mainly relates to a multi-scenario credit product financing solution for small and micro enterprises. Specifically, the invention is oriented to small micro-customer groups (including small micro-enterprises, small micro-enterprise owners and individual industrial and commercial businesses) and meets the financing requirements of the small micro-customer groups. The small and micro enterprises get in the parts from an entrance, collect, analyze and evaluate the data of tax, wages, judicial works, invoices, intellectual property, tobacco orders, real estate and the like of the enterprises after the enterprises authorize, match corresponding examination and approval models according to the characteristics of the customers, adapt the optimal credit financing product scheme for the enterprises in a one-stop way, enable the customers to obtain loans through convenient operation, and meet the loan financing requirements of the customers. Specifically, the embodiment of the application aims to deepen the operation scene of small and medium-sized micro enterprises and card the financial requirement context of the enterprises based on the operation characteristics and risk characteristics of the small and medium-sized micro enterprises in the micro-trusted department. A set of standard financial science and technology integrated solution is customized for banks, a multi-scenario credit product is integrated at one entrance, data driving is used as a main means, an optimal financing service scheme is automatically and intelligently designed for enterprises according to different financing requirements and different asset conditions of customers by comprehensively evaluating enterprise tax, wages, judicial practices, invoices, intellectual property rights, tobacco orders, house property conditions and the like, a package credit solution scheme which is matched with financing products and combined is searched, the problems of difficult financing, expensive financing, insufficient credit granting, period mismatching and the like of small and micro enterprises are practically and effectively relieved, and the credit approval acquisition rate and the satisfaction rate of the small and micro enterprises are improved. The efficiency of the bank approval decision-making is improved and the labor cost of the business is reduced.

The embodiment of the application is mainly oriented to small and micro enterprises (including enterprise owners and individual industrial and commercial enterprises), the financing requirements of the small and micro enterprises are combed, data of tax, invoice, credit investigation and the like of the enterprises are collected, analyzed and evaluated after the enterprises authorize, multi-scene credit products are integrated at one entrance, corresponding approval models are matched according to characteristics of customers, and the financial technology integrated solution scheme is adapted to the optimal credit financing product scheme in a one-stop mode for the enterprises, and the 'one-entrance' intelligent financing scheme is particularly suitable for head city businesses with over 40 general credit digital sub-products, is beneficial to improving the experience of the customers, improves the loan passing rate and loan acquireability of the small and micro enterprises and is beneficial to the brand image of financial technology establishment of partial banks.

The technical solutions in the embodiments of the present application will be clearly and completely described below with reference to the drawings in the embodiments of the present application, and it is obvious that the described embodiments are only a part of the embodiments of the present application, 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 application.

Referring to fig. 1, fig. 1 is a schematic diagram of a system architecture for enterprise financing disclosed in 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. The terminal 102 may be a laptop, desktop, mobile terminal, … …, or the like. 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, a middleware service, a domain name service, a security service, a CDN, a big data and artificial intelligence platform, and the like. The terminal can also be an intelligent terminal such as a smart phone, a tablet computer, a palm computer, a Mobile Internet Device (MID), a wearable device (such as 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 with each other. 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 small micro-enterprise intelligent financing scheme system. Specifically, the small micro-enterprise intelligent financing scheme system can be docked with not only enterprise customers but also credit institutions. The enterprise clients are generally enterprise clients applying for financing, such as individual users, small enterprises and the like. It will be understood that the enterprise client is the target client mentioned in the above section, and for convenience of description, the subsequent description of the target client is described by the enterprise client. Specifically, when the small micro-enterprise intelligent financing scheme system is in butt joint with an enterprise client, the credit granting evaluation amount of the enterprise can be determined, financing products meeting the enterprise requirements are provided for the enterprise client to select according to the credit granting evaluation amount and the financing requirement information of the enterprise, and after the enterprise client confirms, the confirmation information is sent to the corresponding financial structure business system to be examined and approved and displayed. If the small and micro enterprise intelligent financing scheme system is in butt joint with credit institutions, the system can be in butt joint with a plurality of different credit institution business systems for financing, such as a plurality of banking business systems, and a financing demand processing system, uploads financing product information, and carries 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 small-micro enterprise intelligent financing scheme 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 granting condition data and the like stored by the server) from the server 101.

Referring to fig. 2, fig. 2 is a flowchart illustrating a method for determining financing products according to an embodiment of the present application. Comprising step 201 to step 204.

201. Target financing information of the target customer is obtained.

The method for determining the financing product is mainly applied to an enterprise intelligent financing scheme. Wherein, the enterprise intelligent financing scheme is an entrance integrated multi-scenario credit product. It should be noted that, in this embodiment, the enterprise client is generally an enterprise client applying for financing, such as an individual user, a small-scale enterprise, a scientific and technological enterprise, a manufacturing enterprise, and the like. For convenience of description, the description is not repeated in the following. It should be understood that the enterprise client 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 client.

After the enterprise client confirms the application financing information at the application entrance, the system in the row can inquire the existing credit granting condition record of the enterprise client, namely the target financing information of the enterprise client, from each system in the row through the social unified credit code and legal representative person identification number. The target financing information may include the financing amount information of the enterprise and basic information of the enterprise, such as an enterprise name and a tax payment identification number of the enterprise. It should be understood that, the content included in the target financing information is not limited in this embodiment, and is not described in detail in the following.

In one embodiment, if the enterprise client is an individual user, the inline system may obtain personal credit information of the individual user, such as a past credit limit or a credit assessment limit of the individual user.

In a further embodiment, the inline system may further perform the product mutual exclusion determination according to the trust status of the enterprise client, that is, the target financing information of the enterprise client.

Specifically, the different kinds of pure credit products are directly mutually exclusive and mutually exclusive with the guarantee service (personal guarantee, company guarantee, guarantee company guarantee), and the guarantee service is a credit-like product. All the above lines are brought into the unified credit line management.

The mutual exclusion judgment has two specific ways, one is pure credit (including guarantee) mutual exclusion judgment; the other is the exclusive judgment of mortgage class and pledge class.

In the pure credit mutual exclusion judgment, two cases are subdivided. One is that if there are other pure credit (including guaranteed) loan balances or valid credit grants, the enterprise client is not allowed to grant permission, that is, if the enterprise client has previously made a loan in a pure credit manner or if some of the loan has not yet been paid, the enterprise client is not allowed to make a loan again in a pure credit manner. Alternatively, if there are no other purely credit (including guaranteed) loan balances or valid credit grants. In this case, there are two specific cases. One of them is that if there are other credit or valid credit of bank rule, it is not allowed to be admitted, that is, if the enterprise client has other credit balance or other valid credit, the client is not allowed to carry out credit again according to the pure credit type mode. Alternatively, if there are no other credit balances or valid credits mandated by the policy, the admission is not difficult to understand, i.e., the business client is not yet available for outstanding loans or other credit products, and is allowed to loan in accordance with the policy.

In the mutual exclusion judgment of the mortgage class and the pledge class, the two cases are subdivided. For one, if there is other credit balance of bank rule or effective credit granting, no admission is given, refer to the above description of this case specifically; alternatively, if there is no other credit balance or valid credit granting according to the rule, the admission may be specifically referred to the above description of this case, and details are not described here again.

202. And determining one or more financing products to be selected in the at least one financing product according to the target financing information.

After the target financing information of the enterprise client is obtained, product routing judgment (marking rules) can be carried out according to product label processing results of different financing products, then the target financing information is accurately matched with the marking rules of the corresponding products, and the financing products are determined to be financing products to be selected. It should be noted that the product open-circuit judgment can be understood as selection through necessary conditions, so as to judge the authorization and applicable scenarios required by the enterprise customer. Therefore, on one hand, the applicable scene of the enterprise client is accurately judged through the client characteristics; on the other hand, the method provides a function of increasing risk slow release for enterprise customers and meets the real fund demand of the enterprise customers.

Specifically, in one embodiment, the enterprise intelligent financing scheme is an entrance integrated multi-scenario credit product, and there are currently multiple mature financing products, and the product element design for the proposed financing product is as follows. Referring to table 1, table 1 shows product categories and corresponding product information.

It should be understood that the financing product in this embodiment is not limited to the above-described product, and the financing product may be designed according to the actual needs of the financial institution, credit agency or third-party institution, which is not limited in this embodiment.

Correspondingly, because the enterprise intelligent financing scheme is that one entry integrates multi-scenario credit products, labels need to be marked for the corresponding products, the marking rules are shown below, please refer to table 2, and table 2 is the corresponding relation between the product categories and the marking rules. It should be noted that the marking rule is to mark a label according to the characteristics of the enterprise customer and divide the customer group, that is, classify the enterprise customer according to the characteristics of the enterprise customer, so as to run and batch the corresponding wind control model of the financing product. It is understood that each product corresponds to a wind control model.

From the above description, it can be seen that after the target financing information is obtained, the target financing information can be matched with the marking rule corresponding to the financing product, so that the financing product to be selected, which is in accordance with the target financing information of the enterprise customer, is determined.

It should be noted that fig. 4 may be referred to for specific matching rules.

203. A target credit line for one or more financing products to be selected is determined.

When one or more financing products to be selected that are satisfied by the target financing information are confirmed in step 202, the target credit line corresponding to each financing product to be selected can be determined in combination with the line (which can be set by a financial institution, such as a bank, etc.; a credit institution or a third party institution) corresponding to each financing product in table 1.

For example, for a science and technology type enterprise, if the enterprise client is determined to be a scientific and technological type enterprise and the pure credit scenario is verified, the maximum credit line of the enterprise client can be 500 ten thousand yuan. For another example, for the general tax credit, if the applicant is determined to be a small enterprise owner or an individual industrial merchant and the pure credit scenario verification passes, the maximum credit line of the applicant may be 50 ten thousand yuan, and correspondingly, the applicant at this time is the target customer.

It should be understood that the credit line corresponding to each financing product may be set by the financial institution, the credit institution or a third-party institution in advance, that is, the credit line corresponding to each financing product may be determined first, and then the target financing information is determined to be matched with which financing product according to the target financing information of the enterprise client, so as to determine the corresponding target financing line according to the financing product. Specifically, the order of executing the steps is not limited herein, and will not be described in detail later.

In a further embodiment, if the target financing information is not matched with the marking rule of any financing product to be selected, the corresponding credit line is refused to be provided for the enterprise client, namely the application action of the enterprise client is refused to be processed.

204. And displaying the target credit line corresponding to the one or more financing products to be selected to the target client, so that the target client determines the target financing product in the one or more financing products to be selected according to the target credit line.

And after the target credit line is confirmed, displaying the successfully matched financing product to be selected and the target credit line corresponding to the financing product to be selected to the enterprise client. It should be understood that there may be one or more financing products to be selected, and the number of the financing products to be selected is not limited herein, and is not described in detail later.

After one or more financing products to be selected and the corresponding target credit line are displayed on the terminal of the enterprise client, the enterprise client can determine the corresponding financing products to be selected according to the line size of the target credit line and the actual requirements of the enterprise client, and therefore the financing products to be selected are the target financing products.

It will be appreciated that the enterprise customer may only select one, and not many, of the one or more financing products to be selected.

In a further embodiment, if the target financing information is not matched with any financing product to be selected in step 203, the financing product to be selected and the corresponding target credit line are not displayed for the enterprise client.

According to the method for determining the financing products, the target financing information of the target client is obtained, then one or more financing products to be selected are determined in at least one financing product according to the target financing information, then the target credit line of the one or more financing products to be selected is determined, and finally the target credit line corresponding to the one or more financing products to be selected is displayed to the target client, so that the target client can determine the target financing product in the one or more financing products to be selected according to the target credit line. Therefore, the scheme of the optimal financing product is provided for the client as far as possible, the demand of the client on financing can be effectively met, the financing process of the client is reduced, and the experience of the client is improved.

For convenience of describing a method for determining a financing product in detail, please refer to fig. 3, where fig. 3 is a schematic flow chart of another method for determining a financing product disclosed in an embodiment of the present application. Comprising step 301-step 314.

301. Initial financing information for an initial customer is obtained.

After the applicant confirms the application financing information at the application entrance, the system in the row can inquire the existing past credit condition record of the enterprise client from each system in the row through the social unified credit code and legal representative person identification number, the past credit condition record is the initial financing information of the enterprise client at the moment, and the applicant is the initial client at the moment.

In a further embodiment, initial customer prescreening is required in conjunction with initial financing information. Among other things, it is noted that authorization of the applicant is required before obtaining the applicant's targeted financing information. Specifically, it may be understood that whether the initial client is an inventory client is determined. Specifically, the stock client refers to an original existing client in a certain time period and corresponds to the newly added client. If yes, the inventory client needs to determine whether to process the application of the initial client by combining the mutual exclusion determination manner in step 201. Specifically, details of the mutual exclusion determining manner are not described herein, and reference may be made to the description of the mutual exclusion determining manner in step 201.

302. And judging whether the initial client meets the preset age limit condition or not according to the initial financing information, if so, determining that the initial client is the target client and the initial financing information is the target financing information.

After the initial financing information is obtained, it is necessary to determine whether the initial customer satisfies the basic admission rule according to the initial financing information. It should be understood that the initial financing information may include the financing amount information of the enterprise, the business years of the enterprise client, and the basic information of the enterprise, for example, the basic information of the enterprise may be the name of the enterprise and the tax payment identification number. It should be understood that, the content included in the initial financing information is not limited in this embodiment, and is not described in detail in the following.

Specifically, the basic admission rule is based on the requirements of anti-fraud, compliance and the like, necessary and common strong rules are extracted to perform user preliminary screening and filter out non-target customers, and the basic admission rule is a general rule for all types of products. Wherein, the basic strong rules relate to tax rules, industry and commerce rules or judicial rules and the like. Specifically, the strong basic rule includes: 1. the age of the borrower; 2. the tax payment credit rating is D; 3. the first income tax declaring time is less than a certain number of months; 4. the tax payment state of the enterprise is abnormal; 5. the latest period is not declared on time, and the balance of the debt is available at present; 6. there has been significant violation recently; 7. the business operation state is abnormal, such as canceling, logging out or the like; 8. the number of records as executed persons in the near term is more than 0; 9. the number of recent records as the deceased is more than 0; 10. currently on a restricted exit or high consumption list, etc.

It will be appreciated that the basic admission rules set a minimum threshold for filtering the worst customers and deny them if they fail. And a differentiation threshold value is reserved in the subdivided scene so as to be suitable for different differentiation scenes or to stratify the customers. For example, when the preset age condition is the operating age, whether the client is the target client can be determined according to the operating age information of the enterprise user. For example, if the business year of a customer is less than 1 year, the admission rules for the product may not be satisfied. It should be understood that, in the above embodiment, the operation age information is only used for the admission rule of one financing product, and the operation age information may also be that if the enterprise age of the customer is higher than a certain value, the admission rule of a certain financing product cannot be satisfied, and the like.

In one embodiment, the basic admission rule further includes an enterprise age condition, a tax condition, and the like, and the rule condition included in the basic admission rule is not specifically limited, and is not described in detail later.

After layering enterprise customers, judging product routes (marking rules) according to product label processing results, approving corresponding wind control models corresponding to product labels, approving a plurality of wind control models in parallel if a plurality of labels are hit, and performing comprehensive decision to obtain approval results according to model approving results. Specific marking rules can be found in table 2.

It will be appreciated that each financing product corresponds to an approval model. For example, common tax loan products correspond to a common tax loan approval model, branch enterprise loan products correspond to a branch enterprise loan approval model, and the like. For convenience of description, details of the approval models corresponding to other products are not repeated.

Therefore, in summary, if the initial financing information satisfies the basic admission rule, it is determined that the initial customer is the target customer and the initial financing information is the target financing information.

303. And obtaining at least one financing product, and selecting the financing product with target financing information matched with the financing qualified rule from the at least one financing product as the financing product to be selected.

Therefore, at least one financing product can be obtained according to the approval result. And then matching the target financing information with the financing qualification rule corresponding to the financing product so as to determine the financing product successfully matched as the financing product to be selected, wherein the specific financing qualification rule can refer to fig. 4.

By using the SWOT analysis method, the automatic approval of institutions such as financial institutions and credit institutions is deeply analyzed from four aspects of advantages, disadvantages, opportunities and threats of the banks, and the approval efficiency is practically improved by combining the scientific and technological conditions and advantages of the institutions. Correspondingly, by setting up a pre-credit admission rule combining multidimensional data and specific scene data, risk customers or non-target customers which are obtained by market development and do not accord with the product admission application qualification are excluded, and then the approval of the human credit investigation rule and the credit investigation model is carried out, so that the approval cost of enterprises can be effectively reduced, and the product experience of loan users is improved. It should be noted that, in order to cooperate with market development and increase client stickiness, the credit line is divided into a pre-granted credit line and a final review line, the pre-granted credit line, namely the initial credit line, is given to the client after the pre-approval is passed, and then the final review line, namely the final credit line, is given according to the final approval result.

The following is the approval strategy for pre-loan ancillary approval products:

(1) And (3) strong admission rules: effectively intercept customers who do not meet the loan requirements.

(2) Analytic Hierarchy Process (AHP) scorecard: and flexibly carrying out customized development aiming at risk characteristics of different customer groups.

(3) Tax/invoice quantification model: and the tax or invoice data is used as a drive to quantitatively evaluate the enterprise operation capacity and the default probability.

(4) Credit assessment scoring model: and the risk is effectively distinguished according to the quantitative driving of the overdue sample characteristics.

(5) And (3) integrating decision matrixes: a pure credit scene, a credit + mortgage/guarantee scene, multi-dimensional checking of the risk of the passenger group and comprehensive output of a decision result.

It is supplementary to this 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.

In one embodiment, the financing products of a department enterprise are used as an example.

After the target financing information of the enterprise client is obtained, matching is carried out according to the target financing information and financing qualification rules corresponding to the branch enterprise loan. Specifically, the target financing information needs to be firstly introduced into a branch enterprise credit policy (CS), a tax quantification model and an AHP, if the requirement or rule is met, the target financing information is introduced into a branch enterprise credit investigation model, if the condition of the model is also met, the target financing information is introduced into a branch enterprise credit amount model, and thus whether the target financing information meets the financing qualification rule corresponding to the branch enterprise credit is determined.

It should be understood that, in the above embodiment, only one of the financing qualification rules for determining whether the target financing information satisfies the financing qualification rules of the financing products of the branch enterprise loan is that, for the financing products such as general tax loan, intelligent creation loan, ticket chain loan or tobacco merchant loan, the corresponding financing product CS, tax quantification model, invoice quantification model, credit investigation model or credit line model are also provided, and the specific details are not limited herein.

Wherein, the step 304 or the step 306 can be selected and executed according to the content specifically contained in the target financing information.

If the enterprise client fails any approval model of the financing product, the enterprise client is rejected from processing.

304. The target financing information includes target credit information and does not include target credit information, and in at least one financing product, a financing product satisfied by the target credit information is determined.

When the target financing information includes target credit information but does not include target credit-added information, step 304 is performed. It should be noted that the target credit information is generally data of tax, invoice, credit investigation and the like of the enterprise client, and the content included in the target credit information is not limited herein, and is not described again in the following.

Specifically, in connection with step 303, in at least one financing product, the satisfied financing product is determined mainly according to the target credit information in the target financing information.

305. And if the number of the satisfied financing products is multiple, determining the financing product corresponding to the optimal credit line in the multiple satisfied financing products as the financing product to be selected.

If a plurality of financing products are met, under the condition, according to the judgment of product routing, enterprise customers do not select credit increase measures, namely only pure credit scenes, and then high credit accreditation or refusal treatment is performed according to whether all scenes pass or part of scenes pass or all scenes do not pass.

Specifically, if the financing qualification rules of a plurality of financing products of the enterprise client pass, credit lines corresponding to the financing products are determined, and the determined credit lines are sorted or screened to obtain the optimal credit line. Correspondingly, under the condition that the enterprise client does not select to increase credit, the financing product with the highest credit line is authorized to the enterprise client when the credit line of the high-quality client is high.

In one embodiment, the enterprise client passes through a pure credit scenario of the science and enterprise loan financing product and a pure credit scenario of the intelligent loan financing product, and accordingly the credit line of the science and enterprise loan is 300 ten thousand yuan and the credit line of the intelligent loan is 500 ten thousand yuan. It will be appreciated that the intelligent loan financing product is now determined to be the financing product to be selected based on the overall decision, and step 313 is then executed.

In a further embodiment, if the financing qualification rules of part of the financing products pass and the financing qualification rules of part of the financing products do not pass, the enterprise client is credited according to the optimal credit line in the passed financing products.

However, in general, a plurality of pure credit scenes are awarded high, but in extreme cases or in the presence of a plurality of credit participation output amounts are consistent, the output credit amount in the case and the specific financing product can be determined by referring to the description of the detailed combination in fig. 4.

In a further embodiment, if the enterprise customer fails any one of the financing eligibility rules for financing the product, the enterprise customer is marked as a regular customer as opposed to the premium customer. In case the enterprise client does not choose to increase credit and refuses the authorization of increasing credit, the process is refused, i.e. the subsequent steps are not executed.

306. The target financing information comprises target credit information and target credit information, financing products meeting the target credit information are determined in at least one financing product, whether the financing products meeting the target credit information exist or not is judged, and a first judgment result is obtained.

Step 306 in this embodiment is similar to step 304, and details are not repeated here, but it should be noted that when the target financing information includes target credit information and target credit information, it is determined whether the financing product that is satisfied by the target credit information is not empty, so as to obtain a first determination result. It should be noted that, if the target financing information includes the target credit increase information, it is determined that the enterprise client selects the risk slow release, that is, selects credit increase. Therefore, the target credit increase information of the enterprise client can be obtained, wherein the target credit increase information includes device mortgage information, house property mortgage information or guarantee information and the like, and specifically, the content included in the target credit increase information is not limited here and is not further described in the following.

In one specific embodiment, if the financing product satisfied by the target credit information is empty, it is determined that the enterprise customer does not pass the financing qualification rule of any financing product, and the enterprise customer is marked as a common customer. In case the enterprise client does not choose to increase credit and refuses the authorization of increasing credit, the processing is refused, namely the subsequent steps are not executed.

307. And judging whether the target message increase information meets a preset message increase condition or not to obtain a second judgment result.

And after the first judgment result is obtained, judging whether the preset credit increase condition is met according to the target credit increase information in the target financing information. Specifically, the preset trust increasing condition may refer to the rule under each financing product in fig. 4, which is not described herein in detail.

And judging whether preset credit increasing conditions are met or not according to the target credit increasing information in the target financing information, and then obtaining a second judgment result. It is understood that if the step of judging whether the target credit increase information meets the preset credit increase condition is carried out, the credit increase is selected on behalf of the enterprise client. For convenience of subsequent description and understanding, details thereof are not repeated in the following.

And then, determining the product to be financed according to the first judgment result and the second judgment result. Specifically, any one of the

steps

308, 310, 311, or 312 may be selectively executed according to the first determination result and the second determination result.

308. And if the first judgment result is yes and the second judgment result is yes, determining the financing product meeting the target credit information as the financing product to be selected in the financing products meeting the target credit information.

And if the first judgment result is yes and the second judgment result is yes, namely, at least one item of target credit information in the target financing information passes through a credit product strategy, and the target financing information meets a preset financing condition in the financing product met by the target credit information, determining the financing product as the financing product to be selected.

In one embodiment, the financing products of a department enterprise are used as an example. And comprehensively deciding the target credit information through a credit scene of the branch enterprise loan, and determining the financing product of the branch enterprise loan as the financing product to be selected if the target credit information passes through the branch enterprise loan HS policy set.

It should be understood that, different segmentation flows are described herein by taking the mortgage scenario under the scenario of the department enterprise loan and the department enterprise loan as an example, and actually, a combination of the guarantee scenario and different credit scenarios may also be available, which is not described herein in detail. That is, when the credit scenario is merged with the credit increase scenario, whether a premium customer rate-increasing flow or a common customer salvage flow needs to be taken is distinguished according to the label marked on the customer.

In a further embodiment, if the enterprise client makes a comprehensive decision through any credit-type scenario, that is, the target credit information satisfies the financing qualification rules, the enterprise client is defined as a high-quality client, and if the enterprise client does not make a comprehensive decision through any credit-type scenario, that is, the target credit information does not satisfy the financing qualification rules, the enterprise client is defined as a normal client. For convenience of description, detailed description of the premium customers or the general customers will not be provided later.

309. And determining the credit line corresponding to the target credit information and the credit line corresponding to the target credit information in the financing product to be selected as the target credit line.

And when the first judgment result is yes and the second judgment result is also yes, the premium customer quota increasing process is carried out. Specifically, when the client is marked as a high-quality client in a credit scene and the client passes a mortgage scene strategy under the financing product, a credit line corresponding to target credit information in the financing product to be selected and a credit line corresponding to the target credit information are determined. At this time, the above credit line is the target credit line.

Specifically, taking the financing product of the branch enterprise as an example, the branch enterprise loan mortgage amount and the branch enterprise loan credit amount are determined.

In one embodiment, whether the target credit increase information meets the preset credit increase condition may be determined by means of manual intervention, wherein the means of manual intervention includes offline power adjustment, telephone verification, manual approval, and other offline links that need manual assistance to be completed.

Specifically, the client manager can be triggered to go down to the greatest extent according to product design and risk requirements, a client-leaving task is issued according to business distribution rules, and the client manager goes up to the greatest extent and signs corresponding materials.

(1) If the corresponding product needs to collect or authorize the enterprise credit investigation, the enterprise credit investigation authorization can be completed in the link.

(2) If the client does not have the account of the bank, the client manager guides the client to carry out account opening operation and prompts the client to initiate a branch application through mobile phone banking, enterprise internet banking and the like after final audit.

(3) And after the customer manager submits the down-line adjustment to the greatest extent, initiating manual approval to output a final credit granting result.

(4) Triggering manual tasks (home mortgage, intellectual property mortgage and financial asset mortgage procedures) according to product design, issuing the manual tasks to a service attribution client manager, and enabling the quota to take effect after the corresponding manual tasks are completed.

Then, step 314 is performed.

For convenience of understanding and description, specific contents of manual intervention are not described in detail later.

310. And if the first judgment result is yes and the second judgment result is no, determining the financing product met by the target credit information as the financing product to be selected.

And when the first judgment result is yes and the second judgment result is no, the premium customer quotation process is carried out.

Specifically, when the client is marked as a high-quality client in a credit scene and does not pass a mortgage scene strategy under a financing product, the financing product meeting the target credit information is determined to be the financing product to be selected.

Specifically, taking the financing product of the branch enterprise loan as an example, if the target credit information meets the financing qualification rules under the branch enterprise loan financing product, but the target credit information does not meet the preset credit increasing conditions, that is, does not meet the branch enterprise loan HS policy set, the financing product of the branch enterprise loan which the target credit information meets is determined to be the financing product to be selected, and then step 313 is executed.

In a further embodiment, whether the target credit increase information meets the preset credit increase condition or not can be determined in a manual intervention mode.

311. And if the first judgment result is negative and the second judgment result is positive, determining the financing product which is satisfied by the target credit increase information in at least one financing product, and determining the financing product which is satisfied by the target credit increase information as the financing product to be selected.

And when the first judgment result is negative and the second judgment result is positive, the ordinary customer quota increasing process is carried out.

Specifically, when a customer is marked as a common customer in a credit scene, but the customer passes a mortgage scene strategy under a financing product, the financing product which is satisfied by the target credit increase information is determined as the financing product to be selected. Wherein, at least one financing product to be selected.

Specifically, taking the financing product of the branch enterprise loan as an example, if the target credit information does not satisfy the financing qualification rules under the branch enterprise loan financing product, but the target credit information satisfies the preset credit-increase conditions, that is, satisfies the branch enterprise loan HS policy set, the financing product of the branch enterprise loan which the target credit information satisfies is determined as the financing product to be selected, and then step 313 is executed.

312. And if the first judgment result is negative and the second judgment result is negative, determining that the financing product to be selected is empty.

And when the first judgment result is negative and the second judgment result is also negative, the ordinary customer quota increasing process is carried out.

Specifically, when the client is marked as a normal client in the credit scenario and the client does not pass the mortgage scenario policy under the financing product, it is determined that the financing product to be selected is empty. I.e., refuses to process for the enterprise client.

Specifically, taking the financing product of the branch enterprise loan as an example, if the target credit information does not satisfy the financing qualification rules under the branch enterprise loan financing product, and the target credit information does not satisfy the preset credit-increase condition, that is, does not satisfy the branch enterprise loan HS policy set, it is determined that the financing product to be selected is empty, and then step 313 is executed.

313. A target credit line for one or more financing products to be selected is determined.

It is understood that according to the comprehensive decision result, if a plurality of loan schemes exist, the plurality of loan schemes are displayed for enterprise customers to select.

Corresponding to step 305, the target credit line of the financing product to be selected determined at this time is the corresponding highest credit line in one or more financing products to be selected. For example, if the credit line is 300 ten-thousand yuan in the pure credit scenario of a tax credit, and 500 ten-thousand yuan in the pure credit scenario of a branch enterprise credit, the target credit line is 500 ten-thousand yuan.

Corresponding to step 310, the target credit line of the financing product to be selected determined at this time is the target credit line of the corresponding financing product which only meets the financing qualification rule but does not meet the preset financing condition in the target financing information. For example, the credit line under the pure credit scenario of the branch loan is 300 ten thousand yuan, and the credit line under the mortgage/guarantee scenario is 500 ten thousand yuan, because the target financing information does not satisfy the preset credit-increasing conditions, the target credit line is 300 ten thousand yuan.

Corresponding to step 311, the target credit line of the financing product to be selected determined at this time is the target credit line of the corresponding financing product which does not meet the financing qualification rule but meets the preset credit-increasing condition in the target financing information. For example, taking the financing product of a branch enterprise as an example, the target credit line is the common mortgage line under the branch enterprise financing product, and it is understood that the common mortgage line is lower than the credit line under the mortgage/guarantee scenario of the branch enterprise financing.

Corresponding to step 312, the target credit line of the financing product to be selected determined at this time is the target credit line of the corresponding financing product which does not meet the financing qualification rule and also does not meet the preset financing condition in the target financing information. It will be appreciated from the above description that the target credit line is empty because the refusal is handled for the enterprise client at that time.

314. And displaying a target credit line corresponding to one or more to-be-selected financing products to the target client, so that the target client determines the target financing product in the one or more to-be-selected financing products according to the target credit line.

The target credit line corresponding to one or more financing products to be selected is displayed to the enterprise client, and the specific target credit line may refer to the target credit line determined in step 313 or step 309, which is not described herein again. Therefore, the enterprise client can select the corresponding financing product to be selected according to the determined target credit line, and the financing product to be selected at the moment is the target financing product.

In one embodiment, after the credit line is validated, the enterprise client can initiate a payment application in an electronic channel such as a mobile phone bank or an enterprise internet bank, and sign a corresponding contract. Specifically, the contract signing process can be used for signing the inline electronic signature platform and the related agreement signed by the enterprise client by using a data certificate signing technology so as to meet the related compliance requirement. And the signed PDF version is saved in the image platform management system. Meanwhile, enterprise clients are supported to retrieve the contracts through mobile banking or enterprise internet banking.

After the enterprise client signs the contract, the enterprise intelligent financing scheme also has corresponding post-loan management service. See in particular fig. 6.

Specifically, (1) the inline system regularly feeds back credit and borrowing information of the borrower to the service platform;

(2) After the feedback is successful, the service platform obtains the post-credit tax data from the tax bureau in batches according to the credit feedback list at fixed time;

(3) Processing, cleaning and processing the tax data to form unified structured data;

(4) Integrating post-credit tax data, invoices (if any), intellectual property (if any), industrial and commercial judicial, credit investigation, settlement (if any) and other data to execute a post-credit early warning model, and generating a post-credit early warning list comprises the following steps: monitoring months, taxpayer identification numbers, enterprise names, legal certificate numbers, early warning levels and rule descriptions;

(5) And pushing the early warning signals to corresponding customer managers, and performing post-credit management according to post-credit strategies corresponding to early warnings at all levels.

In summary, the method for determining financing products in the embodiment has an accurate anti-fraud recognition capability. Specifically, for past offline business and credit institutions (banks, etc.) of online business that have been vigorously developed in recent years, the wind control capability of online business, such as the prevention and control capabilities of risks, such as fraud risk and credit risk, is a common weak point and pain point, and is also a necessary and urgent need capability for online marketing activities and credit business development. Wool, machine behavior, group fraud, account theft, false application, single cash-out, identity masquerade the risk of fraud of the online business, emerging network black-production forms are endless, and credit institutions (banks) do not deal with the business scenario and experience of the fraud. The transaction anti-fraud system mainly takes information security prevention means or post control analysis means, and real-time anti-fraud identification is difficult to achieve. According to the method for determining the financing product, accurate models and strategies for personal identification and man-machine identification can be built based on dimensional data such as equipment information, user behaviors and credit investigation data, and intelligent verification is conducted on the user identity by means of diversified identification technologies.

Therefore, the method for determining financing products provided by the embodiment can go deep into the operation scene of small and medium-sized micro enterprises and comb the financial demand venation of the enterprises. A set of standard financial science and technology integrated solution is customized for credit institutions (banks and the like), a multi-scene credit product is integrated at one entrance, data driving is used as a main means, through comprehensive evaluation on enterprise tax, wages, judicial practices, invoices, intellectual property rights, tobacco orders, house property conditions and the like, according to different financing requirements and different asset conditions of customers, an optimal financing service scheme is automatically and intelligently designed for enterprises, and a package medium and small credit solution which is suitable for financing products and combination is searched, so that the problems of difficult financing, expensive financing, insufficient credit, period mismatching and the like of small and medium-sized micro enterprises are practically and effectively relieved, the credit approval acquisition rate and satisfaction rate of the small and medium-sized micro enterprises are improved, the approval decision-making efficiency of the credit institutions (banks and the like) is also improved, and the business labor cost is reduced.

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 rotated or alternated with other steps or at least a part of the steps or stages in other steps.

If the scenario involves sensitive information (e.g., user information, business information), it should be noted that the collection, use, and handling of the sensitive information need to comply with relevant national and regional laws and regulations and standards, and need to be performed under the permission or consent of the corresponding subject (e.g., user or business, etc.).

Referring to fig. 4, fig. 4 is a block diagram of a strategy for a credit scenario and a mortgage/guarantee scenario according to an embodiment of the present disclosure.

In order to meet the needs of customers for increasing credit and backtracking in banks or providing diversified products, improve the viscosity of the customers and keep the willingness of sustainable development of business, a mortgage/guarantee scene is introduced on the basis of a credit scene in combination with the conditions of mature operation and high recognition degree in the financing field.

In the mortgage/guarantee scenario, modules such as a running rule set, an AHP rating card, a tax/invoice quantification model, a credit investigation rating model, etc. are still required, but in the same strategy plate, the overall mortgage/guarantee strategy is wider than the corresponding pure credit strategy.

In particular, for example, for a department enterprise loan product. There are pure credit scenarios and mortgage/guaranty scenarios. In the pure credit scenario of the product credited by the department enterprise, the rule needs to be judged if a check is made, and the rule does not need to be judged if a cross is made. That is, when a financing product is required to be applied by a client, the system needs a mobile phone or an authorized enterprise to credit, so that corresponding enterprise credit information is obtained, and thus, the judgment of a pure credit scene and a mortgage/guarantee scene under a department-enterprise credit product is completed, and whether the client meets the requirements of the department-enterprise credit product is determined.

Specifically, the description will be given by taking the scenario of the department enterprise loan and the guarantee/mortgage under the scenario of the department enterprise loan as an example. The mortgage is the information of adding the mortgage object selected by the enterprise client, and the guarantee is the guarantee added by the enterprise client.

As can be seen from fig. 4, in the pure credit scenario under the branch enterprise credit, the tax rule, the enterprise income tax rule, the intellectual property rule, the industry and business rule, the judicial rule, the anti-fraud rule, the credit investigation rule, the tax quantification model, the AHP score card, and the credit investigation quantification model are "checked", that is, the credit investigation information of the client needs to satisfy the tax rule, the enterprise income tax rule, the intellectual property rule, the industry and business rule, the judicial rule, the anti-fraud rule, and the credit investigation rule, and the requirements of the tax quantification model, the AHP score card, and the credit investigation quantification model are passed, so as to satisfy the pure credit scenario under the branch enterprise credit, thereby obtaining the corresponding branch enterprise credit line, and if not passed, the corresponding branch enterprise credit line cannot be obtained. Wherein, CS is an abbreviation of credit policy (CS); HS is an abbreviation for mortgage/guarantee strategy (HS).

In the mortgage/guarantee scenario under the subject enterprise loan, the tax rule, the enterprise income tax rule, the intellectual property rule, the industry and business rule, the judicial rule, the anti-fraud rule, the credit investigation rule, the equipment mortgage rule, the real estate mortgage rule, the guarantee rule, the tax quantification model, the AHP score card and the credit investigation quantification model are "checked", that is, the credit investigation information of the client needs to satisfy the tax rule, the enterprise income tax rule, the intellectual property rule, the industry and business rule, the judicial rule, the anti-fraud rule, the credit investigation rule, the equipment mortgage rule, the real estate mortgage rule and the guarantee rule, and the mortgage/guarantee scenario under the subject enterprise loan is satisfied by the requirements of the tax quantification model, the AHP score card and the credit investigation quantification model, so as to obtain the corresponding subject enterprise loan/guarantee amount, and if the subject enterprise loan/guarantee amount does not pass the mortgage/guarantee amount. It should be noted that, in one embodiment, when the client passes through the mortgage/guarantee scenario of the branch enterprise, only one of the equipment mortgage rule and the house property mortgage rule may be selected, and if the equipment mortgage rule is passed, the mortgage/guarantee scenario of the enterprise can be intelligently created and the mortgage can be performed by using the movable property of the client. Correspondingly, if the house property mortgage rule is passed, the mortgage/guarantee scene under the intelligent loan can be converted, and the real property of the client is used for mortgage.

Referring to fig. 5, fig. 5 is a schematic diagram of an architecture of a small enterprise credit product according to an embodiment of the present application.

FIG. 5 is a block diagram of a credit product architecture. When the customer selects to enter the system, the corresponding scene and the corresponding financing product can be selected for the customer according to the selection and the credit investigation information of the customer. For example, all customers enter from one portal, and the customers are classified according to customer characteristics. And then, labeling according to the characteristics of the customers, and dividing the customers.

For general tax credit products, the customer base is divided into individual industry and business credit, individual business credit and enterprise business credit. And each corresponding guest group has a corresponding wind control approval model and a corresponding credit limit. For example, for the individual industrial and commercial merchant credit, the credit information of the user at this time is input into the individual user risk approval model, and if the credit information passes, the given maximum credit line is 50 ten thousand yuan.

It is understood that, if the credit information of the client not only meets the rules of the general tax loan, the client at the moment is also subjected to scene division to determine other financing products met by the client.

For example, for a branch enterprise loan product, whether credit investigation information of a client meets tax rules and intellectual property rules is judged, and if yes, the client can be divided into branch enterprise loan scenes.

And then inputting credit information of the client into a scientific and technological enterprise risk approval model, wherein if the credit information passes through the model, the given highest credit line is 500 ten thousand yuan.

Referring to fig. 6, fig. 6 is a schematic diagram illustrating a post-loan auxiliary monitoring process according to an embodiment of the disclosure.

It should be understood that fig. 6 is primarily directed to a post-loan secondary monitoring process. Specifically, the post-credit auxiliary monitoring is data-driven, and the monitoring system index is derived from enterprise tax data. The information such as the industry and commerce, the judicial expertise, the intellectual property rights and the like are matched, and the bank owned data are subjected to cross verification, so that the customer portrait is accurately and truly performed, and the enterprise operation condition can be comprehensively and accurately monitored. By establishing rules and constructing a post-loan monitoring model, dynamic monitoring is realized, the post-loan monitoring efficiency of a bank can be greatly improved, and the overall loan quality is improved.

The method specifically comprises a step S1 and a step S8.

Wherein, the early warning data source of the step S1: specifically, inline data, credit investigation data, tax data, invoice data, financial data, complaint data, anti-fraud data, industry and commerce data and the like of the client are acquired (part of the data needs client authorization).

Step S2, decision engine: specifically, the data obtained from the client are input into a decision engine, so that the data are scored, the corresponding early warning risk factors are obtained, the corresponding early warning risk levels are confirmed, and finally, the checking measures for the client are confirmed. For example, the manner of action of the customer is checked, or the frequency of checking the customer is checked.

Step S3, outputting a measure result: specifically, five grades are divided: normal, concern, early warning, freeze, terminate. If the early warning level is reached, the client needs to be monitored, if the freezing level is reached, the financing product of the client needs to be frozen so as to freeze the credit line, the bank account and the like, and if the termination level is reached, the credit authorization of the client needs to be terminated.

Step S4, inputting the grade information into the post-loan management system: specifically, the confirmed measure level is input to the post-loan management system.

Step S5, screening and filtering: specifically, if the pre-warning level is exceeded, the corresponding post-credit pre-warning personnel performs screening and filtering, so that a subsequent decision result is determined.

Step S6, processing the screening result information and determining decision result information: specifically, after the post-credit warning personnel performs screening and filtering, three situations may occur: relieving early warning (the customer continues to use normally), monitoring/recycling in advance (monitoring the use condition of the customer in a key way, if the payment difficulty of the customer is high, the financing amount can be recycled in advance, and the like), and investigating by a customer manager/risk manager (the customer manager or the risk manager investigate the use condition of the customer offline so as to determine the final use condition).

Step S7, saving decision result information or tracking: specifically, according to the decision result, corresponding action is carried out, and the decision result information is returned to the system.

And S8, after the system or the post-credit early warning personnel are screened and filtered, returning final decision result information to the post-credit management system, wherein the decision result information comprises post-credit detection information, check time, check results and the like.

Referring to fig. 7, a schematic structural diagram of a system for determining financing products according to an embodiment of the present application includes:

an obtaining unit 701, configured to obtain target financing information of a target customer;

a determining unit 702, configured to determine one or more financing products to be selected from at least one financing product according to the target financing information;

a determining unit 702, further configured to determine a target credit line of one or more financing products to be selected;

the display unit 703 is configured to display, to the target client, a target credit line corresponding to the one or more to-be-selected financing products, so that the target client determines the target financing product among the one or more to-be-selected financing products according to the target credit line.

Illustratively, the system for determining financing products further comprises: a judgment unit 704;

an obtaining unit 701, configured to obtain initial financing information of an initial customer, where the initial financing information at least includes operation age information;

a determining unit 704, configured to determine whether the initial customer meets a preset age condition according to the initial financing information;

the determining unit 702 is specifically configured to determine that the initial client is the target client and determine that the initial financing information is the target financing information when the initial client meets a preset age condition.

Illustratively, the system for determining financing products further comprises: a selection unit 705;

an obtaining unit 701, configured to obtain at least one financing product, where each financing product has a respective financing eligibility rule;

the selecting unit 705 is configured to select, as a to-be-selected financing product, a financing product whose target financing information matches the financing eligibility rule from among the at least one financing product.

Illustratively, the target financing information includes target credit information and does not include target credit information; the system for determining financing products comprises:

a determining unit 702, specifically configured to determine, among at least one financing product, a financing product that is satisfied by the target credit information;

the determining unit 702 is specifically configured to, when there are multiple satisfied financing products, determine a financing product corresponding to an optimal credit line in the multiple satisfied financing products as a financing product to be selected.

Illustratively, the target financing information comprises target credit information and target credit information; a system for financing product determination comprising:

a determining unit 704, specifically configured to determine, in at least one financing product, a financing product that meets the target credit information, and determine whether there is a financing product that meets the target credit information, so as to obtain a first determination result;

a determining unit 704, specifically configured to determine whether the target credit increase information meets a preset credit increase condition, so as to obtain a second determination result;

the determining unit 702 is specifically configured to determine the financing product to be selected according to the first determination result and the second determination result.

Illustratively, the system for determining financing products comprises:

the determining unit 702 is specifically configured to, when the first determination result is yes and the second determination result is yes, determine, as the to-be-selected financing product, the financing product that the target credit information satisfies, from among the financing products that the target credit information satisfies.

Illustratively, the system for determining financing products comprises:

the determining unit 702 is specifically configured to determine a credit line corresponding to the target credit information and a credit line corresponding to the target credit information in the to-be-selected financing product as a target credit line.

Illustratively, the system for determining financing products comprises:

the determining unit 702 is specifically configured to determine, as the financing product to be selected, the financing product that is satisfied by the target credit information when the first determination result is yes and the second determination result is no.

Illustratively, the system for determining financing products comprises:

the determining unit 702 is specifically configured to, when the first determination result is negative and the second determination result is positive, determine a financing product that is satisfied by the target trust-increasing information in at least one financing product, and determine the financing product that is satisfied by the target trust-increasing information as the financing product to be selected.

Illustratively, the system for determining financing products comprises:

the determining unit 702 is specifically configured to determine that the financing product to be selected is empty when the first determination result is negative and the second determination result is negative.

Referring to fig. 8, a schematic structural diagram of an apparatus for confirming financing products according to an embodiment of the present application includes:

a central processing unit 801, a memory 805, an input/output interface 804, a wired or wireless network interface 803 and a power supply 802;

memory 805 is a transient storage memory or a persistent storage memory;

the central processor 801 is configured to communicate with the memory 805 and execute the instructions in the memory 805 to perform the methods described above in the embodiments of fig. 2 or 3.

The chip system according to an embodiment of the present application is further provided, 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 the foregoing embodiment shown in fig. 2 or fig. 3.

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 manners. 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 solution of the present application may be substantially implemented or contributed to by the prior art, or all or part of the technical solution may be embodied in a software product, which is stored in a storage medium and includes instructions for causing a computer device (which may be a personal computer, a server, or a network device) to execute all or part of the steps of the method according to 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 of determining a financing product, the method comprising:

acquiring target financing information of a target client;

determining a target credit line of the one or more financing products to be selected;

2. The method of determining a financing product according to claim 1, characterized in that the obtaining of target financing information of a target customer comprises:

3. The method of determining financing products according to claim 1, characterized in that the determining one or more financing products to be selected among at least one financing product according to the target financing information comprises:

4. The method of determining a financing product according to claim 1, characterized in that the target financing information includes target credit information and does not include target credit information;

5. The method of determining a financing product according to claim 1, characterized in that the target financing information comprises target credit information and target credit-adding information;

judging whether the target credit increase information meets a preset credit increase condition or not to obtain a second judgment result;

6. The method for determining financing products according to claim 5, wherein the determining the financing product to be selected according to the first judgment result and the second judgment result comprises:

7. The method of determining financing products according to claim 6, wherein the determining of the target credit line for the one or more financing products to be selected comprises:

8. The method for determining financing products as claimed in claim 5, wherein the determining a financing product to be selected according to the first judgment result and the second judgment result comprises:

9. The method for determining financing products according to claim 5, wherein the determining the financing product to be selected according to the first judgment result and the second judgment result comprises:

10. The method for determining financing products according to claim 5, wherein the determining the financing product to be selected according to the first judgment result and the second judgment result comprises:

11. A system for determining a financing product, the system comprising:

and the display unit is used for displaying a target credit line corresponding to the one or more financing products to be selected to the target client so that the target client can determine the target financing product in the one or more financing products to be selected according to the target credit line.

12. An apparatus for determining a financing product, the apparatus comprising:

the memory is a transient memory or a persistent memory;

the central processor is configured to communicate with the memory and execute instructions operative in the memory to perform the method of financing product determination of any of the claims 1 to 10.

13. A computer-readable storage medium comprising instructions which, when executed on a computer, cause the computer to perform a method of determining a financing product as claimed in any one of claims 1 to 10.