CN115689766A - Method, device and equipment for determining service limit and computer storage medium - Google Patents
Method, device and equipment for determining service limit and computer storage medium Download PDFInfo
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Abstract
The application discloses a method, a device and equipment for determining a service limit and a computer storage medium. The method comprises the steps of collecting evaluation indexes, order amount, account receivable and expected growth rate of a second user corresponding to a first user; matching the evaluation index with a preset scoring item to obtain a first score corresponding to the evaluation index consistent with the preset scoring item; matching the first score with a preset scoring interval to obtain a second score corresponding to the first score consistent with the preset scoring interval, and taking the second score as a discount coefficient of the second user; calculating the service amount cardinal number of the second user according to the order amount and the account to be collected; and calculating the service quota of the second user according to the discount coefficient, the service quota base and the expected increase rate. According to the embodiment of the application, the determined business limit can be consistent with actual requirements of the core enterprise and upstream and downstream enterprises of the core enterprise, and the bearing risk of a fund provider is reduced.
Description
Technical Field
The present application relates to the field of computer application technologies, and in particular, to a method, an apparatus, a device, and a computer storage medium for determining a service quota.
Background
Generally, in a supply chain financial mode, a fund provider can avoid reviewing financial information of financing enterprises, instead of comprehensively evaluating transaction states of core enterprises and enterprises upstream and downstream of the core enterprises in an industry chain, and provide financing service for single or multiple transactions.
After the core enterprise, namely the first user, obtains the credit, the fund provider evaluates the core enterprise to give out the business amount, and meanwhile, upstream and downstream enterprises of the core enterprise, namely the second user, can also determine the business amount according to the transaction information between the upstream and downstream enterprises and the core enterprise. However, currently, the accuracy of determining the business limit is low only according to the transaction information of the upstream and downstream enterprises of the core enterprise and the core enterprise, so that the determined business limit is inconsistent with the actual requirements of the core enterprise and the upstream and downstream enterprises of the core enterprise, and the risk of the fund provider is increased.
Disclosure of Invention
The embodiment of the application provides a method, a device, equipment and a computer storage medium for determining a business limit, which can improve the accuracy of determining the business limit, so that the determined business limit is consistent with actual requirements of a core enterprise and upstream and downstream enterprises of the core enterprise, and the bearing risk of a fund provider is reduced.
In a first aspect, an embodiment of the present application provides a method for determining a service quota, where the method includes:
collecting an evaluation index, an order amount, account receivable and an expected growth rate of a second user corresponding to the first user, wherein the evaluation index comprises at least one of credit investigation times, continuous supply times, litigation conditions, user levels, dispute times, product levels, product quality, supply channels or the cooperation years of the second user and the first user;
matching the evaluation index with a preset scoring item to obtain a first score corresponding to the evaluation index consistent with the preset scoring item, wherein the preset scoring item comprises at least one of credit investigation times, continuous supply times, litigation conditions, user levels, dispute times, product levels, product quality and supply channels of the second user or the cooperation years of the second user and the first user;
matching the first score with a preset scoring interval to obtain a second score corresponding to the first score consistent with the preset scoring interval, and taking the second score as a discount coefficient of the second user;
calculating the service amount basic number of the second user according to the order amount and the accounts receivable;
and calculating the service credit of the second user according to the discount coefficient, the service credit base and the expected growth rate.
In a second aspect, an embodiment of the present application provides an apparatus for determining a service quota, where the apparatus includes:
the acquisition module is used for acquiring an evaluation index, an order amount, account receivable and an expected growth rate of a second user corresponding to the first user, wherein the evaluation index comprises at least one of credit investigation times, continuous supply times, litigation conditions, user levels, dispute times, product levels, product quality, supply channels or the cooperation years of the second user and the first user;
the matching module is used for matching the evaluation index with a preset scoring item to obtain a first score corresponding to the evaluation index consistent with the preset scoring item, wherein the preset scoring item comprises at least one of credit investigation times of a second user, continuous supply times, litigation conditions, user grades, dispute times, product grades, product quality, supply channels or the cooperation period of the second user and the first user;
the matching module is further used for matching the first score with a preset scoring interval to obtain a second score corresponding to the first score consistent with the preset scoring interval, and the second score is used as a discount coefficient of the second user;
the calculation module is used for calculating the service amount basic number of the second user according to the order amount and the receivable;
and the calculating module is also used for calculating the service credit of the second user according to the discount coefficient, the service credit cardinality and the expected growth rate.
In a third aspect, an embodiment of the present application provides a device for determining a service quota, where the device includes: a processor and a memory storing computer program instructions;
the processor, when executing the computer program instructions, implements a method as described in the first aspect.
In a fourth aspect, embodiments of the present application provide a computer storage medium, on which computer program instructions are stored, and when executed by a processor, the computer program instructions implement the method according to the first aspect.
In a fifth aspect, the present application provides a computer program product, wherein instructions in the computer program product, when executed by a processor of an electronic device, cause the electronic device to perform the method according to the first aspect.
The method, the device, the equipment and the computer storage medium for determining the service limit provided by the embodiment of the application can acquire the evaluation index, the order amount, the account receivable and the expected growth rate of the second user corresponding to the first user, wherein the evaluation index comprises at least one of credit investigation times, continuous supply times, litigation conditions, user levels, dispute times, product levels, product quality, supply channels or the cooperation years of the second user and the first user; matching the evaluation index with a preset scoring item to obtain a first score corresponding to the evaluation index consistent with the preset scoring item, wherein the preset scoring item comprises at least one of credit investigation times, continuous supply times, litigation conditions, user levels, dispute times, product levels, product quality and supply channels of the second user or the cooperation age of the second user and the first user; matching the first score with a preset score interval to obtain a second score corresponding to the first score consistent with the preset score interval, and taking the second score as a discount coefficient of the second user; calculating the service amount cardinal number of the second user according to the order amount and the account to be collected; and calculating the service quota of the second user according to the discount coefficient, the service quota cardinal number and the expected increase rate. Therefore, the first value of the second user is obtained by matching the evaluation index of the second user with the preset scoring item, the second user is evaluated based on the overall situation of the second user, the first value is matched with the preset scoring interval, the second value corresponding to the first value, namely the discount coefficient of the second user is obtained, the service amount is effectively regulated and controlled through the discount coefficient, the service amount of the second user is calculated by combining the order amount, the account to be collected, the discount coefficient and the expected growth rate, the service amount is determined based on the main dimensions of the order amount, the account to be collected, the evaluation, the growth rate and the like corresponding to the second user, the accuracy of determining the service amount is improved, the determined service amount is consistent with the actual requirements of the core enterprise and the upstream and downstream enterprises of the core enterprise, and the bearing risk of a fund provider is reduced.
Drawings
In order to more clearly illustrate the technical solutions of the embodiments of the present application, the drawings needed to be used in the embodiments of the present application will be briefly described below, and for those skilled in the art, other drawings can be obtained according to the drawings without creative efforts.
Fig. 1 shows a flow diagram of a method for determining a business quota, provided by an embodiment of the present application.
Fig. 2 is a schematic structural diagram of a service quota determining apparatus provided in an embodiment of the present application.
Fig. 3 shows a schematic structural diagram of a device for determining a service quota, provided by an embodiment of the present application.
Detailed Description
Features and exemplary embodiments of various aspects of the present application will be described in detail below, and in order to make objects, technical solutions and advantages of the present application more apparent, the present application will be further described in detail below with reference to the accompanying drawings and specific embodiments. It should be understood that the specific embodiments described herein are intended to be illustrative only and are not intended to be limiting. It will be apparent to one skilled in the art that the present application may be practiced without some of these specific details. The following description of the embodiments is merely intended to provide a better understanding of the present application by illustrating examples thereof.
It is noted that, herein, relational terms such as first and second, and the like may be used solely to distinguish one entity or action from another entity or action without necessarily requiring or implying any actual such relationship or order between such entities or actions. Also, the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising … …" does not exclude the presence of another like element in a process, method, article, or apparatus that comprises the element.
The supply chain financial model is a business model in which a fund provider associates a core enterprise with its upstream and downstream enterprises to provide financial products and services.
And after the core enterprise obtains the credit, the fund provider evaluates the core enterprise and gives the responded service limit to the core enterprise. Meanwhile, upstream and downstream enterprises of the core enterprise, namely the suppliers, can also obtain business limits according to related order amount, accounts receivable and the like.
The business limit is reasonably determined, so that the benefit of a core enterprise can be maximized, and the risk born by a fund provider can be reduced.
Currently, the process of determining the service quota is generally divided into three steps: in a first step, a fund provider collects accounts receivable/payable information, logistics information and cash flow information between a core enterprise and a supplier. And secondly, integrating the fund flow information of the fund provider with receivable/accounts payable information, logistics information and cash flow information of the enterprise to finally obtain the service amount of the core enterprise. And thirdly, splitting the service quota to a first-level supplier according to the order information and the account receiving information of the supplier, and splitting the service quota to a second-level supplier by the first-level supplier in the same way.
However, if the business amount of the core enterprise or the supplier is determined, the determined business amount is inconsistent with the actual requirements of the core enterprise and the supplier only according to the receivable/accounts payable information, the logistics information and the cash flow information between the core enterprise and the supplier, so that the business amount is provided too much and the fund is not used reasonably, the credit of the core enterprise is affected, and the risk of the fund provider is increased.
In order to solve the foregoing technical problem, embodiments of the present application provide a method, an apparatus, a device, and a computer storage medium for determining a service quota. First, a method for determining a service quota provided in the embodiment of the present application is described below.
According to the technical scheme, the data acquisition, storage, use, processing and the like meet the relevant regulations of national laws and regulations.
Fig. 1 shows a flow diagram of a method for determining a business quota, provided by an embodiment of the present application. As shown in fig. 1, the method for determining a service quota provided in the embodiment of the present application includes the following steps: s101 to S105.
S101, collecting an evaluation index, an order amount, account receivable and an expected growth rate of a second user corresponding to a first user, wherein the evaluation index comprises at least one of credit investigation times, continuous supply times, litigation conditions, user levels, dispute times, product levels, product quality, supply channels or the cooperation period of the second user and the first user.
The first user may be a core enterprise in a supply chain financial model, and the second user corresponding to the first user may be an enterprise upstream and downstream of the core enterprise, i.e., a supplier.
The evaluation index may be an evaluation index for evaluating the qualification, credit and trade depth of a supplier enterprise and a core enterprise. The evaluation index can be combined with a specific industry and a specific financial institution and is specified by human presetting.
For example, when the first user is a core enterprise and the second user is a provider, the evaluation index includes at least one of credit investigation times, continuous supply times, litigation situations, provider levels, disputes, product levels, product quality, supply channels or the cooperation age of the provider and the core enterprise.
The evaluation index of a supplier can be used for calculating the grade of the supplier, and the risk condition of the supplier can be clearly known through the grade. High-quality enterprises, i.e., low-risk enterprises, may obtain high business credits, and high-risk enterprises may obtain reduced or no credits.
The order amount and the receivable account are historical trade data of the supplier, and represent the trade condition of the supplier and the core enterprise. The larger the order amount and the receivable account are, the larger the trade amount of the supplier and the core enterprise is, the larger the cash can be recovered in the future, and the corresponding service amount basic number should be larger.
The expected growth rate represents the expected future cash flow for the provider. The value of a business is not dependent on the current cash flow, but rather the cash flow expected by the company. A high growth rate indicates that the enterprise will have more capacity to pay for the debt, and therefore, the business quota corresponding to the enterprise with a high growth rate can be increased appropriately. A low or negative growth rate indicates that the future cash flow of the enterprise may decrease, and therefore, the business quota corresponding to the enterprise with the low or negative growth rate needs to be decreased to reduce the risk.
And S102, matching the evaluation index with a preset scoring item to obtain a first score corresponding to the evaluation index consistent with the preset scoring item, wherein the preset scoring item comprises at least one of credit investigation times of the second user, continuous supply times, litigation conditions, user grades, dispute times, product grades, product quality and supply channels or the cooperation period of the second user and the first user.
As shown in table 1, the preset scoring items include, but are not limited to, scoring times of the provider, continuous supply times, litigation situations, provider levels, dispute times, product levels, product quality, supply channels, or the years of cooperation between the provider and the core enterprise, and each scoring item includes a plurality of scoring items, and each scoring item corresponds to a score corresponding to the scoring item. Wherein the relationship of m, q, k and n is m < q < k < n.
For convenience of calculation, the sum of the first scores corresponding to the respective scoring categories may be set to 100 scores, such as A1+ B1+ C1+ D1+ F1+ G1+ H1+ I1=100. The first score corresponding to each preset scoring item corresponding to each scoring type can be set in a decreasing manner according to the requirement, such as A1 being 20, A2 being 10, and A3 being 0.
Table 1: relation between evaluation index and preset scoring item and corresponding first score
And matching the acquired evaluation indexes of the suppliers with the preset scoring items to obtain the sum of scores corresponding to the scoring items which are successfully matched, namely a first score. The method comprises the steps of evaluating the access of a provider from multiple dimensions such as the cooperation age with a core enterprise, supply continuity, credit investigation information, litigation conditions, the type of the provider, dispute times, product grades, product quality, supply experience and the like, independently scoring each dimension, then adding scores of all dimensions to obtain a final score, and realizing the scoring of the provider based on the overall condition of the provider. The higher the final score, the better the supplier.
S103, matching the first score with a preset scoring interval to obtain a second score corresponding to the first score consistent with the preset scoring interval, and taking the second score as a discount coefficient of the second user.
As shown in table 2, the preset span of the preset scoring interval may include [ a, a ], [ b, a), [ c, b), [ d, c), and d or less, and the second score corresponding to the preset scoring interval may include k, x, y, z, and e. The score of the overall situation of the supplier is not ideal when the preset score interval below d represents, and in order to ensure the risk of the fund provider, such as a bank, the discount coefficient of the supplier corresponding to the score of the preset score interval below d can be directly positioned as e, and e =0.d, the preset scoring interval can be set manually according to experience.
For example, for the convenience of calculation, the set span of the preset scoring interval may be positioned to be 0 to 100 points, d is equal to 60 points, i.e., the preset scoring interval includes [90,100], [80,90), [70,80), [60,70), and 60 or less, and the second scores k =1,x, y, and z corresponding to [90,100] may be sequentially set to 0.8, 0.7, and 0.6.
Thus, when the first score is 85, that is, the scores of all the dimensions of the supplier are added to obtain the final score of 85, the preset score interval matched with the first score is [80,90 ], and the second score corresponding to the first score consistent with the preset score interval is 0.8, that is, the discount coefficient corresponding to the supplier is 0.8. The discount factor will affect the determination of the subsequent serving credit.
Table 2: relation between first score and preset score interval and second score
| Preset scoring interval | Second fraction |
| [a,A] | k |
| [b,a) | x |
| [c,b) | y |
| [d,c) | z |
| d is below | e |
And S104, calculating the service amount cardinality of the second user according to the order amount and the accounts receivable.
The service amount cardinality of the supplier can be calculated according to the order amount and the receivable account of the supplier in the preset time period.
In one embodiment, the order amount and accounts receivable of the supplier in the last year are collected, and the service amount base number of the supplier is obtained by dividing the order amount and accounts receivable sum in the last year by the number of months.
And S105, calculating the service quota of the second user according to the discount coefficient, the service quota base and the expected increase rate.
The relationship between the discount coefficient, the service quota base and the expected increase rate and the service quota of the provider is in a direct proportion relationship, namely the larger the discount coefficient, the service quota base and the expected increase rate is, the larger the finally determined service quota of the provider is.
The above is a specific implementation manner of the method for determining the service quota provided by the embodiment of the present application. Acquiring an evaluation index, order amount, account receivable and expected growth rate of a second user corresponding to a first user, wherein the evaluation index comprises at least one of credit investigation times, continuous supply times, litigation conditions, user levels, dispute times, product levels, product quality, supply channels or the cooperation years of the second user and the first user; matching the evaluation index with a preset evaluation item to obtain a first score corresponding to the evaluation index consistent with the evaluation item, wherein the evaluation item comprises at least one of credit investigation times, continuous supply times, litigation conditions, user grades, dispute times, product grades, product quality and supply channels of the second user or the cooperation life of the second user and the first user; matching the first score with a preset scoring interval to obtain a second score corresponding to the first score consistent with the preset scoring interval, and taking the second score as a discount coefficient of the second user; calculating the service amount basic number of the second user according to the order amount and the receivable; and then, calculating the service credit of the second user according to the discount coefficient, the service credit base and the expected growth rate. Therefore, the first value of the second user is obtained by matching the evaluation index of the second user with the preset scoring item, the second user is evaluated based on the overall situation of the second user, the first value is matched with the preset scoring interval, the second value corresponding to the first value, namely the discount coefficient of the second user is obtained, the service amount is effectively regulated and controlled through the discount coefficient, the service amount of the second user is calculated by combining the order amount, the account to be collected, the discount coefficient and the expected growth rate, the service amount is determined based on the main dimensions of the order amount, the account to be collected, the evaluation, the growth rate and the like corresponding to the second user, the accuracy of determining the service amount is improved, the determined service amount is consistent with the actual requirements of the core enterprise and the upstream and downstream enterprises of the core enterprise, and the bearing risk of a fund provider is reduced.
In some embodiments of the present application, in S101, the following steps may be further included: s1011 to S1012.
S1011, collecting the historical growth rate of the second user corresponding to the first user.
And S1012, calculating an average value of the historical growth rates to obtain an expected growth rate of the second user.
The collected historical growth rate of the supplier can be the business growth rate of the supplier in the past year, and the average value of the business growth rates of the supplier in the past year is calculated to obtain the expected growth rate of the supplier.
It should be noted that there are many mature ways to calculate the expected growth rate of an enterprise, and the detailed description is omitted here.
For example, the currently expected growth rate of the supplier can be obtained by obtaining the currently expected revenue and the contemporaneous realization revenue of the supplier, dividing the currently expected revenue by the contemporaneous realization revenue, then reducing by one, and then multiplying by one hundred percent.
The expected growth rate of the supplier is obtained by collecting the annual growth rate of the supplier and calculating the average value of the annual growth rate of the supplier, so that the expected growth rate of the supplier is used for determining the business amount of the supplier, and the accuracy of determining the business amount is further improved.
In some embodiments of the present application, in S105, the following steps may be further included: and S1051. S1051, calculating the service quota by the following formula:
Y＝a×(1+δ)×ε
wherein Y represents a business quota; a represents a service quota cardinality; δ represents the expected growth rate; epsilon represents the discount coefficient.
The above is a simple business value unit calculation formula, i.e. the business value unit of the supplier is equal to the basic number of the business value unit multiplied by one plus the sum of the expected increase rate and further multiplied by the discount coefficient.
It should be noted that, the specific way of calculating the service amount of the provider is other specific ways besides the above specific way of calculating, and it is sufficient that the relationship between the discount coefficient, the service amount base number, the expected increase rate, and the service amount of the provider is a direct proportion, and details are not repeated here.
The service quota of the supplier is obtained through the specific calculation formula for calculating the service quota, and the accuracy of determining the service quota is further improved.
In some embodiments of the present application, the above method may further comprise the steps of: and S106.
S106, calculating the sum of the service quota corresponding to the second users to obtain the service quota of the first user.
In the supply chain financial model, the core enterprise generally directly corresponds to a plurality of upstream and downstream enterprises, i.e. a plurality of primary suppliers, and the business limit corresponding to the plurality of primary suppliers can be calculated simultaneously by the way of calculating one primary supplier. Based on the service amount, the sum of the service amounts corresponding to the multiple suppliers connected with the core enterprise is calculated, and the service amount of the core enterprise can be obtained.
In one embodiment, the primary supplier may further interface with a plurality of secondary suppliers, and the accuracy of determining the business quota of the supply business is further improved by calculating the business quota of each of the plurality of secondary suppliers and calculating the business quota of the primary supplier in a reverse manner to check the calculated primary supplier.
For example, the sum of the service quota of each of the plurality of secondary providers is calculated to obtain the service quota of the primary provider, so as to verify the calculated primary provider.
The service quota of the core enterprise is obtained by calculating the sum of the service quota corresponding to the plurality of suppliers, and the accuracy of determining the service quota is further improved.
Based on the method for determining the service limit provided by the embodiment, correspondingly, the application also provides a specific implementation manner of the device for determining the service limit. Please see the examples below.
Referring to fig. 2, the apparatus for determining a service amount provided in the embodiment of the present application includes the following modules:
the collection module 201 is configured to collect an evaluation index, an order amount, account receivable and an expected growth rate of a second user corresponding to the first user, where the evaluation index includes at least one of credit investigation times, continuous supply times, litigation conditions, user levels, dispute times, product levels, product quality, supply channels or a cooperation age of the second user and the first user;
the matching module 202 is configured to match the evaluation index with a preset scoring item to obtain a first score corresponding to the evaluation index consistent with the preset scoring item, where the preset scoring item includes at least one of credit investigation times of the second user, continuous supply times, litigation conditions, user grades, dispute times, product grades, product quality, supply channels, or a cooperation life of the second user and the first user;
the matching module 202 is further configured to match the first score with a preset scoring interval, obtain a second score corresponding to the first score consistent with the preset scoring interval, and use the second score as a discount coefficient of the second user;
the calculating module 203 is used for calculating the service amount cardinality of the second user according to the order amount and the accounts receivable;
the calculating module 203 is further configured to calculate the service quota of the second subscriber according to the discount coefficient, the service quota base and the expected increase rate.
The above is a specific implementation manner of the service quota determining apparatus provided in the embodiment of the present application. Acquiring an evaluation index, an order amount, account receivable and an expected growth rate of a second user corresponding to a first user through an acquisition module 201, wherein the evaluation index comprises at least one of credit investigation times, continuous supply times, litigation conditions, user levels, dispute times, product levels, product quality, supply channels or the cooperation years of the second user and the first user; the matching module 202 matches the evaluation index with a preset scoring item to obtain a first score corresponding to the evaluation index consistent with the scoring item, wherein the scoring item comprises at least one of credit investigation times of the second user, continuous supply times, litigation conditions, user levels, dispute times, product levels, product quality, supply channels or the cooperation years of the second user and the first user; the matching module 202 matches the first score with the preset scoring interval to obtain a second score corresponding to the first score consistent with the preset scoring interval, and the second score is used as a discount coefficient of the second user; the calculation module 203 calculates the service amount cardinality of the second user according to the order amount and the receivable; the calculation module 203 calculates the service credit of the second subscriber according to the discount coefficient, the service credit base and the expected increase rate. Therefore, the evaluation index of the second user is matched with the preset scoring item to obtain the first score of the second user, the second user is evaluated based on the overall situation of the second user, the first score is matched with the preset scoring interval to obtain the second score corresponding to the first score, namely the discount coefficient of the second user, the service quota is effectively regulated and controlled through the discount coefficient, and the service quota is determined based on the main dimensions of the order quota, the account receivable, the discount coefficient and the expected growth rate of the second user in combination with the order amount, the account receivable, the expected growth rate and the like of the second user, so that the accuracy of determining the service quota is improved, the determined service quota is consistent with the actual requirements of upstream and downstream enterprises of the core enterprise and the core enterprise, and the bearing risk of a fund provider is reduced.
In some embodiments of the present application, the acquisition module 201 may include: the device comprises a collecting unit and a calculating unit.
And the acquisition unit is used for acquiring the historical growth rate of a second user corresponding to the first user.
And the calculating unit is used for calculating the average value of the historical growth rates to obtain the expected growth rate of the second user.
In some embodiments of the present application, the calculating module 203 may include: and a computing unit.
A calculating unit, configured to calculate the service quota by the following formula:
Y＝a×(1+δ)×ε
wherein Y represents a business quota; a represents a service quota cardinality; δ represents the expected growth rate; epsilon represents the discount coefficient.
In some embodiments of the present application, the calculating module 203 may be configured to calculate a sum of service credits corresponding to a plurality of second users, so as to obtain the service credit of the first user.
The apparatus for determining a service quota shown in fig. 2 may implement each step of the method for determining a service quota shown in fig. 1, and achieve a corresponding technical effect, and for brevity, no further description is provided herein.
Fig. 3 is a schematic diagram illustrating a hardware structure of a device for determining a service quota according to an embodiment of the present application.
The determination device of the amount of service may comprise a processor 301 and a memory 302 in which computer program instructions are stored.
Specifically, the processor 301 may include a Central Processing Unit (CPU), or an Application Specific Integrated Circuit (ASIC), or may be configured to implement one or more Integrated circuits of the embodiments of the present Application.
In particular embodiments, memory 302 may include Read Only Memory (ROM), random Access Memory (RAM), magnetic disk storage media devices, optical storage media devices, flash memory devices, electrical, optical, or other physical/tangible memory storage devices. Thus, in general, the memory 302 includes one or more tangible (non-transitory) computer-readable storage media (e.g., a memory device) encoded with software comprising computer-executable instructions and when the software is executed (e.g., by one or more processors), it is operable to perform the operations described with reference to the method according to the first aspect of the disclosure.
The processor 301 reads and executes the computer program instructions stored in the memory 302 to implement any one of the determination methods of the service credit in the above embodiments.
In one example, the device for determining the amount of traffic may also include a communication interface 303 and a bus 310. As shown in fig. 3, the processor 301, the memory 302, and the communication interface 303 are connected via a bus 310 to complete communication therebetween.
The communication interface 303 is mainly used for implementing communication between modules, apparatuses, units and/or devices in this embodiment.
The bus 310 comprises hardware, software or both, coupling the components of the credit determining device to each other. By way of example, and not limitation, a bus may include an Accelerated Graphics Port (AGP) or other graphics bus, an Enhanced Industry Standard Architecture (EISA) bus, a Front Side Bus (FSB), a Hypertransport (HT) interconnect, an Industry Standard Architecture (ISA) bus, an infiniband interconnect, a Low Pin Count (LPC) bus, a memory bus, a Micro Channel Architecture (MCA) bus, a Peripheral Component Interconnect (PCI) bus, a PCI-Express (PCI-X) bus, a Serial Advanced Technology Attachment (SATA) bus, a video electronics standards association local (VLB) bus, or other suitable bus or a combination of two or more of these. Bus 310 may include one or more buses, where appropriate. Although specific buses are described and shown in the embodiments of the application, any suitable buses or interconnects are contemplated by the application.
In addition, in combination with the method for determining the service quota in the above embodiments, the embodiments of the present application may provide a computer storage medium to implement. The computer storage medium having computer program instructions stored thereon; the computer program instructions, when executed by a processor, implement any of the above-described methods for determining a business value unit.
It is to be understood that the present application is not limited to the particular arrangements and instrumentality described above and shown in the attached drawings. A detailed description of known methods is omitted herein for the sake of brevity. In the above embodiments, several specific steps are described and shown as examples. However, the method processes of the present application are not limited to the specific steps described and illustrated, and those skilled in the art can make various changes, modifications and additions, or change the order between the steps, after comprehending the spirit of the present application.
The functional blocks shown in the above-described structural block diagrams may be implemented as hardware, software, firmware, or a combination thereof. When implemented in hardware, it may be, for example, an electronic circuit, an Application Specific Integrated Circuit (ASIC), suitable firmware, plug-in, function card, or the like. When implemented in software, the elements of the present application are the programs or code segments used to perform the required tasks. The program or code segments may be stored in a machine-readable medium or transmitted by a data signal carried in a carrier wave over a transmission medium or a communication link. A "machine-readable medium" may include any medium that can store or transfer information. Examples of a machine-readable medium include electronic circuits, semiconductor memory devices, ROM, flash memory, erasable ROM (EROM), floppy disks, CD-ROMs, optical disks, hard disks, fiber optic media, radio Frequency (RF) links, and so forth. The code segments may be downloaded via computer networks such as the internet, intranet, etc.
It should also be noted that the exemplary embodiments mentioned in this application describe some methods or systems based on a series of steps or devices. However, the present application is not limited to the order of the above-described steps, that is, the steps may be performed in the order mentioned in the embodiments, may be performed in an order different from the order in the embodiments, or may be performed simultaneously.
Aspects of the present disclosure are described above with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems) and computer program products according to embodiments of the disclosure. It will be understood that each block of the flowchart illustrations and/or block diagrams, and combinations of blocks in the flowchart illustrations and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, enable the implementation of the functions/acts specified in the flowchart and/or block diagram block or blocks. Such a processor may be, but is not limited to, a general purpose processor, a special purpose processor, an application specific processor, or a field programmable logic circuit. It will also be understood that each block of the block diagrams and/or flowchart illustration, and combinations of blocks in the block diagrams and/or flowchart illustration, can be implemented by special purpose hardware-based computer instructions which perform the specified functions or acts, or combinations of special purpose hardware and computer instructions.
As described above, only the specific embodiments of the present application are provided, and it can be clearly understood by those skilled in the art that, for convenience and brevity of description, the specific working processes of the system, the module and the unit described above may refer to the corresponding processes in the foregoing method embodiments, and are not described herein again. It should be understood that the scope of the present application is not limited thereto, and any person skilled in the art can easily conceive various equivalent modifications or substitutions within the technical scope of the present application, and these modifications or substitutions should be covered within the scope of the present application.
Claims (10)
1. A method for determining a service quota, comprising:
collecting an evaluation index, an order amount, account receivable and an expected growth rate of a second user corresponding to a first user, wherein the evaluation index comprises at least one of credit investigation times, continuous supply times, litigation conditions, user levels, dispute times, product levels, product quality, supply channels or the cooperation years of the second user and the first user;
matching the evaluation index with a preset scoring item to obtain a first score corresponding to the evaluation index consistent with the preset scoring item, wherein the preset scoring item comprises at least one of credit investigation times of a second user, continuous supply times, litigation conditions, user grades, dispute times, product grades, product quality, supply channels or the cooperation period of the second user and the first user;
matching the first score with a preset scoring interval to obtain a second score corresponding to the first score consistent with the preset scoring interval, and taking the second score as a discount coefficient of a second user;
calculating the service amount cardinal number of the second user according to the order amount and the accounts receivable;
and calculating the service quota of the second user according to the discount coefficient, the service quota cardinal number and the expected increase rate.
2. The method of claim 1, wherein collecting an expected growth rate of a second user corresponding to a first user comprises:
acquiring the historical growth rate of a second user corresponding to the first user;
and calculating the average value of the historical growth rates to obtain the expected growth rate of the second user.
3. The method of claim 1, wherein calculating the second subscriber's line of service based on the discount factor, the base of the line of service, and the expected rate of increase comprises
Calculating the service quota by the following formula:
Y＝a×(1+δ)×ε
wherein Y represents a service quota; a represents a service quota cardinality; δ represents the expected growth rate; epsilon represents the discount coefficient.
4. A method according to any one of claims 1 to 3, characterized in that the method further comprises:
and calculating the sum of the service quota corresponding to the plurality of second users to obtain the service quota of the first user.
5. An apparatus for determining a service amount, the apparatus comprising:
the acquisition module is used for acquiring an evaluation index, an order amount, account receivable and an expected growth rate of a second user corresponding to the first user, wherein the evaluation index comprises at least one of credit investigation times, continuous supply times, litigation conditions, user levels, dispute times, product levels, product quality, supply channels or the cooperation years of the second user and the first user;
the matching module is used for matching the evaluation index with a preset scoring item to obtain a first score corresponding to the evaluation index consistent with the preset scoring item, wherein the preset scoring item comprises at least one of credit investigation times, continuous supply times, litigation conditions, user levels, dispute times, product levels, product quality, supply channels or cooperation years of the second user and the first user;
the matching module is further used for matching the first score with a preset scoring interval to obtain a second score corresponding to the first score which is consistent with the preset scoring interval, and the second score is used as a discount coefficient of a second user;
the calculation module is used for calculating the service amount basic number of the second user according to the order amount and the accounts receivable;
and the calculating module is also used for calculating the service amount of the second user according to the discount coefficient, the service amount basic number and the expected growth rate.
6. The apparatus of claim 5, wherein the acquisition module comprises:
the acquisition unit is used for acquiring the historical growth rate of a second user corresponding to the first user;
and the calculating unit is used for calculating the average value of the historical growth rates to obtain the expected growth rate of the second user.
7. The apparatus of claim 5, wherein the computing module comprises:
a calculating unit, configured to calculate the service quota according to the following formula:
Y＝a×(1+δ)×ε
wherein Y represents a service quota; a represents a service quota cardinality; δ represents the expected growth rate; epsilon represents the discount coefficient.
8. An apparatus for determining a service amount, the apparatus comprising: a processor and a memory storing computer program instructions;
the processor, when executing the computer program instructions, implements the method of any of claims 1-4.
9. A computer-readable storage medium having computer program instructions stored thereon which, when executed by a processor, implement the method of any one of claims 1-4.
10. A computer program product, wherein instructions in the computer program product, when executed by a processor of an electronic device, cause the electronic device to perform the method of any of claims 1-4.
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Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
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| CN117236941A (en) * | 2023-10-09 | 2023-12-15 | 深圳市企企通科技有限公司 | Enterprise grading-based payment settlement method, device, equipment and medium |
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Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN117236941A (en) * | 2023-10-09 | 2023-12-15 | 深圳市企企通科技有限公司 | Enterprise grading-based payment settlement method, device, equipment and medium |
| CN117236941B (en) * | 2023-10-09 | 2024-09-17 | 深圳市企企通科技有限公司 | Enterprise grading-based payment settlement method, device, equipment and medium |
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