CN115860920A - Loan demand elevation method, computer device, and computer-readable storage medium - Google Patents

Abstract

The invention provides a loan demand improving method, which comprises the following steps: acquiring consumption data of a target consumer, wherein the consumption data comprises consumption scenes; obtaining a loan scheme corresponding to the consumption scene, and sending the loan scheme to a manual terminal for a worker to examine and approve, wherein the loan scheme is stored in a database, and different consumption scenes correspond to different loan schemes; receiving an approval result sent by the manual terminal, wherein the approval result comprises: approval pass and approval fail; and if the approval result is that the approval is passed, displaying the loan scheme to the client. The invention improves the working efficiency.

Description

Loan demand elevation method, computer device, and computer-readable storage medium

Technical Field

The invention relates to the technical field of science and technology finance, in particular to a loan demand improving method, a computer-readable storage medium and computer equipment.

Background

Currently, in the financial field, consumption finance is the contribution of service pioneer of entity economy, boosting power of consumption upgrade and profit earning. How to catch the eyeball of the consumer and meet the consumption requirements of the consumer, the creation of the consumer products by scientific and technological enabling is particularly important to meet the individual consumption requirements of the consumer, and meanwhile, the income can be increased. It is now noted that consumers will have a need for loan offers for specific products and services, and that current recommendations for loan products are based on the consumer's own attributes and expected amount of credit available.

Disclosure of Invention

In view of the above, it is desirable to provide a loan demand improvement method, a computer storage medium, and a computer device that can improve work efficiency.

In a first aspect, the present application provides a method for improving a loan demand, the method including: acquiring consumption data of a target consumer, wherein the consumption data comprises consumption scenes; obtaining a loan scheme corresponding to the consumption scene, and sending the loan scheme to a manual terminal for a worker to examine and approve, wherein the loan scheme is stored in a database, and different consumption scenes correspond to different loan schemes; receiving an approval result sent by the manual terminal, wherein the approval result comprises: approval pass and approval fail; and if the approval result is that the approval is passed, displaying the loan scheme to the client.

In a second aspect, the present application provides a computer device for the promotion of loan requirements, the computer device comprising a memory and a processor. A memory for storing computer program instructions. A processor for executing the computer program instructions to implement the loan requirement elevation method.

In a third aspect, the application provides a computer readable storage medium for storing program instructions executable by a processor to implement the loan demand elevation method.

According to the method and the system, consumption data of a plurality of consumers are obtained from a database, and a target consumer is determined and a plurality of consumption scenes are obtained according to the numerical value of each transaction amount and the loan condition in the consumption data; the bank staff and the related staff of the plurality of consumption scenes jointly design a loan scheme and store the loan scheme in a database; and the examining and approving personnel of the bank examines and approves the plurality of preferential schemes, and if the examination and approval are passed, the loan scheme is displayed on a client page of the bank APP. The loan scheme provides a suitable low interest rate loan scheme to attract consumers, while bringing benefits to merchants and banks. Various and complex pages do not need to be displayed for the consumer, and the loan scheme only needs to be displayed according to the consumption data of the consumer, so that the working efficiency is improved.

Drawings

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

Fig. 1 is a schematic diagram of a system for loan demand improvement according to an embodiment of the present disclosure.

Fig. 2 is a schematic flow chart illustrating a method for raising a loan demand according to an embodiment of the present disclosure.

Fig. 3 is a schematic diagram of a loan scheme provided in an embodiment of the application.

Fig. 4 is another flow chart illustrating a loan demand elevation method according to an embodiment of the present disclosure.

Fig. 5 is a schematic diagram of an internal structure of a server for loan demand elevation according to an embodiment of the present application.

Detailed Description

The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments. The components of embodiments of the present invention generally described and illustrated in the figures herein may be arranged and designed in a wide variety of different configurations. Thus, the following detailed description of the embodiments of the present invention, presented in the figures, is not intended to limit the scope of the invention, as claimed, but is merely representative of selected embodiments of the invention. All other embodiments, which can be derived by a person skilled in the art from the embodiments of the present invention without making any creative effort, shall fall within the protection scope of the present invention.

The terms "first," "second," "third," "fourth," and the like in the description and claims of this application and in the above-described drawings, if any, are used for distinguishing between similar elements and not necessarily for describing a particular sequential or chronological order. It is to be understood that the data so used is interchangeable under appropriate circumstances, in other words that the embodiments described are to be practiced in sequences other than those illustrated or described herein. Moreover, the terms "comprises," "comprising," and any other variation thereof, may also include other things, such as processes, methods, systems, articles, or apparatus that comprise a list of steps or elements is not necessarily limited to only those steps or elements expressly listed, but may include other steps or elements not expressly listed or inherent to such processes, methods, articles, 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 one or more of that 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.

The application provides a loan demand elevation method which is operated in a loan demand elevation system as shown in fig. 1. The platform comprises a client terminal 1, a service terminal 2 and a server terminal 3. A database is arranged in the server end 3, and consumption data and a loan scheme are obtained from the database; the user side 1 is used for displaying the loan scheme; the user side 2 is used to approve the loan schedule. The user terminal 1, the user terminal 2 and the server terminal 3 communicate through a network 4. The server may be implemented by an independent server or a server cluster composed of a plurality of servers.

Referring to fig. 2, fig. 2 is a schematic flow chart illustrating a loan demand elevation method according to an embodiment of the present application. Comprising step S101-step S104.

Step S101, obtaining consumption data of a target consumer, wherein the consumption data comprises a consumption scene.

For example, in a lending bank, each transaction of each consumer at a safe deal is recorded in a database. The consumption data includes, for example, transaction amount, consumption scenario, transaction mode, etc. The scholar purchases an education tutoring course for children at an education institution, and the expenditure is 1 ten thousand yuan in a way of installments. The method comprises the steps that consumption data of all consumers are recorded in a database, if the amount of one transaction in the consumption data of one consumer exceeds ten thousand or a loan payment mode used by one transaction is provided, the consumer is identified as a target consumer, and when a loan scheme is displayed on an APP page of the target consumer, the scheme is browsed and selected in a larger capacity; when the amount of each transaction data of a certain consumer is less and no loan is transacted, the loan scheme displayed on the APP is not easy to select and browse; the manner in which consumers are identified as target consumers improves resource utilization.

And regarding the transaction scene corresponding to the transaction with the maximum loan amount in the user transaction data as the optimal transaction scene. For example, when mr.a certain portfolio company purchases a certain portfolio, and loan is 4 ten thousand yuan, the portfolio company is considered as the best trading scene.

And S102, obtaining a loan scheme corresponding to the consumption scene, and sending the loan scheme to a manual terminal for the examination and approval of workers, wherein the loan scheme is stored in a database, and different consumption scenes correspond to different loan schemes.

After the consumption data of a certain target consumer is obtained from the database, several consumption scenes are obtained from the consumption data, for example: an educational structure, a purse store, a vehicle sales store. The bank loan staff initiatively contacts with the merchant, and the loan staff and the merchant design a loan scheme aiming at the target consumer according to the current practical situation, wherein the practical situation comprises the following steps: market loan interest rate, loan interest rate in various cases of banks, business conditions of merchants and the like.

As shown in fig. 3, the offer loan scheme includes: the name of the consumption scene, the total amount of the transaction, the loan interest rate, the market interest rate, the preferential time period and the like facing the consumer.

The loan scheme includes two cases: the consumer is charged only the loan interest rate and the biller is not charged the loan interest rate but the cooperating merchants. For example, a lending bank cooperates with a wallet company to provide a loan interest rate with a value lower than the market interest rate to a target consumer to attract the target consumer to loan at the lending bank, and the low loan interest rate can enhance the purchasing desire of a user and bring win-win to the lending bank and the wallet company; or the lending bank provides the consumer with a loan plan with zero interest rate, but charging the portfolio company with interest rate also increases the purchase rate of the target consumer, resulting in a win-win situation for the lending bank and the portfolio company.

After the plan is designed by the staff and the related personnel of the consumption scene, the plan is input into the plan library of the safety system.

Step S103, receiving an approval result sent by the manual terminal, wherein the approval result comprises: approval pass and approval fail.

And after a plurality of schemes corresponding to the target consumers are obtained in the scheme library, the schemes are sent to a manual terminal so that the bank staff can examine and approve the schemes. For example, whether interest rates in the approval protocol are appropriate, whether time provided in the protocol is appropriate, and the like.

If the staff thinks the scheme is appropriate, the approval is passed; if the staff thinks the scheme is not suitable, the approval is different. And sending the approval result to the server.

And step S104, if the approval result is that the approval is passed, displaying the loan scheme to the client.

And if the approval result is that the approval is passed, displaying the loan scheme to the APP client side for the target consumer to browse and select.

And if the approval result is that the approval is not passed, sending reminding information to the manual terminal so as to enable the staff and the merchant to adjust the scheme, such as the discount rate in the scheme and the discount time period in the scheme.

Fig. 4 is another flow chart illustrating a loan demand elevation method according to an embodiment of the present disclosure. Including steps S201-S202.

Step S201, when the target consumer selects the loan scheme, receiving loan materials submitted by the target consumer.

When the user selects a loan scheme in the APP, the user needs to upload loan materials at the client, wherein the loan materials comprise: the method comprises the steps of providing identification information of a user, contact information of the user and the type of a transacted loan, wherein the loan type comprises a mortgage loan and a credit loan.

And step S202, completing the loan process of the target consumer according to the loan materials and the preset loan process.

And when the user selects the mortgage type, selecting the existing mortgage loan process in the bank to finish the loan process of the user.

And when the user selects the credit loan process, selecting the existing credit loan process in the bank to finish the loan process of the user.

The bank can also communicate with a plurality of shops in advance to acquire the design schemes of the shops. And acquiring consumption data of a plurality of consumers from the database in real time, and matching the optimal consumption scene for each consumer according to the transaction amount and the transaction mode in the consumption data of each consumer.

Please refer to fig. 5, which is a schematic diagram illustrating an internal structure of a server for loan demand improvement according to an embodiment of the present application. The server 200 for the promotion of loan requirements is used for control, and the computer device 200 includes a processor 201, and a memory 202. Wherein the processor 201 is used for executing the executable program to realize the loan requirement promotion method provided by the above embodiment, and the memory 202 is used for storing the computer executable program and the system for promoting the loan requirement provided by the above embodiment.

The processor 201 may be, in some embodiments, a Central Processing Unit (CPU), a controller, a microcontroller, a microprocessor or other data Processing chip for executing computer executable programs stored in the memory 202. Specifically, the processor 201 executes an executable program to implement the loan demand elevation method provided by the above-described embodiment.

The memory 202 includes at least one type of readable storage medium including flash memory, hard disks, multi-media cards, card-type memory (e.g., SD or DX memory, etc.), magnetic memory, magnetic disks, optical disks, and the like. The memory 202 may in some embodiments be an internal storage unit of the computer device 200, such as a hard disk of the computer device 200. The memory 202 may also be an external computer device 200 storage device in other embodiments, such as a plug-in hard disk, smart Media Card (SMC), secure Digital (SD) Card, flash memory Card (Flash Card), etc. provided on the computer device 200. Further, the memory 202 may also include both internal and external storage units of the computer device 200. The memory 202 may be used not only to store application software installed in the computer device 200 and various types of data such as codes implementing an elevation method of a loan requirement, etc., but also to temporarily store data that has been output or is to be output and modules of a system of elevation of the loan requirement.

Computer device 200 also includes bus 203. The bus 203 may be a Peripheral Component Interconnect (PCI) bus, an Extended Industry Standard Architecture (EISA) bus, or the like. The bus may be divided into an address bus, a data bus, a control bus, etc. For the sake of convenience of illustration,

further to the fact that only one thick line is shown in fig. 5, but not only one bus or type of bus, the computer device 200 may also include a display component 204. The display component 204 may be an LED display, a liquid crystal display, a touch-sensitive liquid crystal display, an OLED (Organic Light-Emitting Diode) touch device, and the like. The display component 204 may also be referred to as a display device or display unit, as appropriate, for displaying information processed in the computer apparatus 200 and for displaying a visualized user interface, among other things.

Further, the computer device 200 may also include a communication component 205. The communication component 205 can optionally include a wired communication component and/or a wireless communication component (e.g., WI-FI communication component, bluetooth communication component, etc.) that is typically used to establish a communication connection between the computer device 200 and other computer devices.

While fig. 5 shows only a portion of the computer device 200 with components and a method of raising that fulfill the loan requirements, those skilled in the art will appreciate that the configuration shown in fig. 5 is not intended to be limiting of the computer device 200 and may include fewer or more components than those shown, or some components may be combined, or a different arrangement of components.

In the above embodiments, the implementation may be wholly or partially realized by software, hardware, firmware, or any combination thereof. When implemented in software, may be implemented in whole or in part in the form of a computer program product.

The computer program product includes one or more computer instructions. The procedures or functions according to the embodiments of the invention are brought about in whole or in part when the computer program instructions are loaded and executed on a computer. The computer apparatus may be a general purpose computer, a special purpose computer, a network of computers, or other programmable device. The computer instructions may be stored in a computer readable storage medium or transmitted from one computer readable storage medium to another, for example, from one website site, computer, server, or data center to another website site, computer, server, or data center via wired (e.g., coaxial cable, fiber optic, digital Subscriber Line (DSL)) or wireless (e.g., infrared, wireless, microwave, etc.). The computer-readable storage medium can be any available medium that a computer can store or a data storage device, such as a server, a data center, etc., that is integrated with one or more available media. The usable medium may be a magnetic medium (e.g., floppy Disk, hard Disk, magnetic tape), an optical medium (e.g., DVD), or a semiconductor medium (e.g., solid State Disk (SSD)), among others.

It can be clearly understood by those skilled in the art that, for convenience and simplicity 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 unit is only one logical functional 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 may be implemented in the form of hardware, or may also be implemented in the form of a software functional unit.

The integrated unit, if implemented as 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 of the embodiments of the present application. And the aforementioned storage medium includes: various media capable of storing program codes, such as a usb disk, a removable hard disk, a Read-Only Memory (ROM), a Random Access Memory (RAM), a magnetic disk, or an optical disk.

It should be noted that the above-mentioned numbers of the embodiments of the present invention are merely for description, and do not represent the merits of the embodiments. And the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, apparatus, article, or method 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, apparatus, article, or method. Without further limitation, an element defined by the phrases "comprising a," "8230," "8230," or "comprising" does not exclude the presence of another identical element in a process, apparatus, article, or method comprising the element.

The above description is only a preferred embodiment of the present invention, and not intended to limit the scope of the present invention, and all modifications of equivalent structures and equivalent processes, which are made by using the contents of the present specification and the accompanying drawings, or directly or indirectly applied to other related technical fields, are included in the scope of the present invention.

Claims (10)

1. A method for increasing loan requirements, the method comprising:

acquiring consumption data of a target consumer, wherein the consumption data comprises consumption scenes;

obtaining a loan scheme corresponding to the consumption scene, and sending the loan scheme to a service terminal for examination and approval by workers, wherein the loan scheme is stored in a database, and different consumption scenes correspond to different loan schemes;

receiving an approval result sent by the manual terminal, wherein the approval result comprises: approval pass and approval fail;

and if the approval result is that the approval is passed, displaying the loan scheme to the client terminal.

2. The method of claim 1, wherein the method further comprises:

and if the approval result is that the approval is not passed, sending approval failure information to a manual terminal for relevant personnel to adjust the loan scheme.

3. The method of claim 1, wherein the method further comprises:

receiving loan material submitted by the target consumer when the target consumer selects the loan arrangement;

and finishing the loan process of the target consumer according to the loan materials and the preset loan process.

4. The method for enhancing a loan requirement as claimed in claim 1, wherein the obtaining consumption data of the target consumer comprises:

randomly acquiring consumption data of a consumer;

and if the consumption data shows that the loan records or the single transaction amount value is larger than the preset amount, identifying the consumer as the target consumer.

5. The method of claim 1, wherein the consumption data includes a loan amount and a transaction scenario for each transaction, the method further comprising:

the transaction scene corresponding to the transaction with the largest loan amount is regarded as the optimal transaction scene;

sending the optimal trading scene to a manual terminal for relevant personnel to design a loan scheme corresponding to the optimal trading scene;

and storing the loan scheme corresponding to the optimal trading scene in a database.

6. The method of claim 1, wherein the method further comprises:

and matching the consumption data of different consumers with the loan schemes corresponding to different consumption scenes so as to match each consumption scene to the most suitable consumer.

7. The method of claim 1, wherein the loan scheme comprises: and reducing the loan interest rate of the consumer in a set time period, canceling the loan interest rate of the consumer in the set time period, and setting the loan interest rate for the merchants, wherein each consumption scene corresponds to one merchant.

8. The method of claim 3, wherein the predetermined loan process comprises: the method comprises the following steps of presetting a mortgage loan process and a credit loan process, wherein the process of completing the loan of a target consumer according to loan materials and the preset loan process comprises the following steps:

obtaining a loan type corresponding to a loan scheme selected by a user according to the loan data, wherein the loan type comprises: a mortgage-type loan type and a credit-type loan type;

when the loan type is a mortgage type loan type, executing the loan process of the target consumer according to a preset mortgage type loan process;

and when the loan type is the credit loan type, executing the loan flow of the target consumer according to a preset credit loan flow.

9. A computer device for loan demand elevation, the computer device comprising:

a memory for storing computer program instructions;

a processor for executing the computer program instructions to implement a method of raising a loan requirement as claimed in any one of claims 1 to 8.

10. A computer readable storage medium for storing program instructions executable by a processor to implement a method of raising a loan requirement as claimed in any one of claims 1 to 8.

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