CN116051266A

CN116051266A - Loan data supervision method and device

Info

Publication number: CN116051266A
Application number: CN202310044029.9A
Authority: CN
Inventors: 陈述娟
Original assignee: China Construction Bank Corp
Current assignee: China Construction Bank Corp
Priority date: 2023-01-29
Filing date: 2023-01-29
Publication date: 2023-05-02

Abstract

The invention discloses a loan data supervision method and device, and relates to the technical fields of big data, data analysis and mining and data preprocessing. One embodiment of the method comprises the following steps: acquiring transaction data of a plurality of primary accounts for receiving initial loan funds according to loan data supervision requirements of supervision parties; determining a target collection account from a collection account currently holding loan funds and a collection account transferred by the loan funds according to the circulation records of the loan funds transferred by the plurality of primary accounts; determining the number of times of transferring loan funds between the plurality of primary accounts and the target collection account by the intermediate transaction data of the plurality of primary accounts and the target collection account; determining the risk level of an initial account corresponding to the loan funds according to the transit times of the loan funds; the risk level of the primary account is presented such that the supervisor disposes of the primary account at risk according to the risk level. This embodiment enables closed-loop supervision of loan funds.

Description

Loan data supervision method and device

Technical Field

The invention relates to the technical fields of big data, data analysis and mining and data preprocessing, in particular to a loan data supervision method and device.

Background

In order to optimize the industrial structure, the policy fund support is provided for the enterprises needing to be supported according to the development conditions of the enterprises in the jurisdiction. At present, the development condition of an enterprise is known mainly by collecting data from the enterprise in an offline manner, and the data provided by the enterprise is recorded in a manual ledger or spreadsheet ledger form. And judging the current situation of enterprise operation through operation data provided by enterprises, and further determining which enterprises are provided with fund support.

In the process of implementing the present invention, the inventor finds that at least the following problems exist in the prior art:

through the business data provided by enterprises, only the enterprises can be judged in advance to provide fund support, but the flow direction and the use of the funds cannot be supervised, so that the closed-loop supervision of the funds cannot be realized.

Disclosure of Invention

In view of the above, the embodiments of the present invention provide a loan data supervision method and apparatus, which obtain transaction data of a plurality of primary accounts receiving initial loan funds according to a loan data supervision requirement of a supervision party; determining a target collection account from a collection account currently holding the loan funds and a collection account transferred with the loan funds according to the circulation records of the loan funds transferred from the plurality of initial accounts; determining the number of times the loan funds are transferred by the intermediate accounts between the plurality of primary accounts and the target collection account according to the intermediate transaction data of the plurality of primary accounts and the target collection account; determining the risk level of the primary account corresponding to the loan funds according to the transit times of the loan funds; the risk level of the primary account is displayed so that the supervisor handles the primary account at risk according to the risk level. Therefore, supervision of loan fund flow and use is realized by analyzing transaction data of a plurality of accounts, and the risk level of each account is determined so that the supervision party can make treatment measures on the corresponding primary account, thereby realizing closed-loop supervision of loan fund.

To achieve the above object, according to one aspect of an embodiment of the present invention, there is provided a loan data supervision method.

The loan data supervision method of the embodiment of the invention comprises the following steps: acquiring transaction data of a plurality of primary accounts for receiving initial loan funds according to loan data supervision requirements of supervision parties; determining a target collection account from a collection account currently holding the loan funds and a collection account transferred with the loan funds according to the circulation records of the loan funds transferred from the plurality of initial accounts; determining the number of times the loan funds are transferred by the intermediate accounts between the plurality of primary accounts and the target collection account according to the intermediate transaction data of the plurality of primary accounts and the target collection account; determining the risk level of the primary account corresponding to the loan funds according to the transit times of the loan funds; the risk level of the primary account is displayed so that the supervisor handles the primary account at risk according to the risk level.

Optionally, the determining the risk level of the primary account corresponding to the loan funds according to the transit times of the loan funds includes: judging whether the transit times of the loan funds are larger than a first preset threshold value or not; if so, determining that the primary account corresponding to the loan funds is not at risk; and if not, determining the risk level of the primary account corresponding to the loan funds according to the transit times.

Optionally, the determining the risk level of the primary account corresponding to the loan funds according to the transit times includes: judging whether the transit times are 0; if so, determining that the risk level of the primary account corresponding to the loan funds is high risk; if not, determining that the risk level of the primary account corresponding to the loan funds is not high risk.

Optionally, the primary account indicates account opening information of the primary account, and the determining a target collection account from a collection account currently holding the loan funds and a collection account transferred with the loan funds according to a circulation record of the loan funds transferred from a plurality of primary accounts includes: determining the collection account currently holding the loan funds and the collection account transferred with the loan funds according to the circulation records of the loan funds transferred from the plurality of primary accounts; determining whether the account opening information contains a loan forbidden domain keyword according to the account opening information of the collection account; and determining a target collection account according to the collection account corresponding to the account opening information containing the loan forbidden domain keyword.

Optionally, the determining the target collection account according to the collection account corresponding to the account opening information including the loan forbidden domain keyword includes: calculating the ratio of the amount of the loan funds received by the collection account to the corresponding initial loan funds total; judging whether the proportion is larger than a second preset threshold value or not; if yes, determining that the collection account is a illegal collection account; and determining a target collection account according to the illegal collection account.

Optionally, the determining the target collection account according to the illegal collection account comprises:

counting the number of the illegal collection accounts corresponding to each loan fund according to each loan fund; and determining the illegal collection account which previously receives the loan funds as a target collection account according to the time sequence under the condition that the number of the illegal collection accounts corresponding to the loan funds is a plurality of.

Optionally, the displaying the risk level of the primary account includes: displaying an interface including function buttons; receiving a trigger instruction through the function button; and displaying the risk level of the primary account according to the trigger instruction.

Optionally, the triggering instruction indicates a risk level, and the displaying the risk level of the primary account according to the triggering instruction includes: counting the number of primary accounts of the risk level indicated by the trigger instruction; and displaying the risk level corresponding to the number of the primary accounts of the risk level.

Optionally, the trigger instruction indicates a risk level, and the primary account indicates account opening information of the primary account; the step of displaying the risk level of the primary account according to the trigger instruction comprises the following steps: determining account opening information of an initial account of the risk level indicated by the trigger instruction; and displaying the account opening information of the primary account and the risk level of the primary account correspondingly.

To achieve the above object, according to still another aspect of the embodiments of the present invention, there is provided a loan data supervising device.

The loan data supervision device of the embodiment of the invention comprises: the data acquisition module is used for acquiring transaction data of a plurality of primary accounts for receiving the primary loan funds according to loan data supervision requirements of a supervision party; the target determining module is used for determining a target collection account from a collection account currently holding the loan funds and a collection account transferred with the loan funds according to the circulation records of the loan funds transferred from the plurality of initial accounts; the risk judging module is used for determining the number of times that the loan funds are transferred by the intermediate accounts between the plurality of primary accounts and the target collection account according to the intermediate transaction data of the plurality of primary accounts and the target collection account, and determining the risk level of the primary account corresponding to the loan funds according to the number of times that the loan funds are transferred; and the display module is used for displaying the risk level of the primary account so that the supervisor can treat the primary account with risk according to the risk level.

To achieve the above object, according to still another aspect of an embodiment of the present invention, there is provided a loan data supervision electronic device.

The loan data supervision electronic equipment of the embodiment of the invention comprises: one or more processors; and the storage device is used for storing one or more programs, and when the one or more programs are executed by the one or more processors, the one or more processors are enabled to realize the loan data supervision method.

To achieve the above object, according to still another aspect of embodiments of the present invention, there is provided a computer program product.

A computer program product of an embodiment of the present invention includes a computer program that when executed by a processor implements a loan data supervision method of an embodiment of the present invention.

One embodiment of the above invention has the following advantages or benefits: acquiring transaction data of a plurality of primary accounts for receiving initial loan funds according to loan data supervision requirements of supervision parties; determining a target collection account from a collection account currently holding the loan funds and a collection account transferred with the loan funds according to the circulation records of the loan funds transferred from the plurality of initial accounts; determining the number of times the loan funds are transferred by the intermediate accounts between the plurality of primary accounts and the target collection account according to the intermediate transaction data of the plurality of primary accounts and the target collection account; determining the risk level of the primary account corresponding to the loan funds according to the transit times of the loan funds; the risk level of the primary account is displayed so that the supervisor handles the primary account at risk according to the risk level. Therefore, supervision of loan fund flow and use is realized by analyzing transaction data of a plurality of accounts, and the risk level of each account is determined so that the supervision party can make treatment measures on the corresponding primary account, thereby realizing closed-loop supervision of loan fund.

Further effects of the above-described non-conventional alternatives are described below in connection with the embodiments.

Drawings

The drawings are included to provide a better understanding of the invention and are not to be construed as unduly limiting the invention. Wherein:

FIG. 1 is a schematic diagram of the main steps of a loan data supervision method, in accordance with an embodiment of the invention;

FIG. 2 is a schematic diagram of the main steps of a loan data supervision method for determining risk levels, in accordance with an embodiment of the invention;

FIG. 3 is a schematic diagram of the main steps of a loan data supervision method, in accordance with an embodiment of the invention;

FIG. 4 is a schematic diagram of the main modules of a loan data supervising device, according to an embodiment of the invention;

FIG. 5 is an exemplary system architecture diagram in which embodiments of the present invention may be applied;

fig. 6 is a schematic diagram of a computer system suitable for use in implementing an embodiment of the invention.

Detailed Description

Exemplary embodiments of the present invention will now be described with reference to the accompanying drawings, in which various details of the embodiments of the present invention are included to facilitate understanding, and are to be considered merely exemplary. Accordingly, those of ordinary skill in the art will recognize that various changes and modifications of the embodiments described herein can be made without departing from the scope and spirit of the invention. Also, descriptions of well-known functions and constructions are omitted in the following description for clarity and conciseness.

The data acquisition, storage, use, processing and the like in the technical scheme meet the relevant regulations of national laws and regulations.

In the technical scheme of the invention, the aspects of acquisition, analysis, use, transmission, storage and the like of the related user personal information all meet the requirements of related laws and regulations, are used for legal and reasonable purposes, are not shared, leaked or sold outside the aspects of legal use and the like, and are subjected to supervision and management of a supervision department. Necessary measures should be taken for the personal information of the user to prevent illegal access to such personal information data, ensure that personnel having access to the personal information data comply with the regulations of the relevant laws and regulations, and ensure the personal information of the user. Once these user personal information data are no longer needed, the risk should be minimized by limiting or even prohibiting the data collection and/or deletion.

User privacy is protected, when applicable, by de-identifying the data, including in some related applications, such as by removing a particular identifier (e.g., account opening information, etc.), controlling the amount or specificity of stored data (e.g., collecting transaction data from a financial regulatory agency, rather than a particular one), controlling how the data is stored, and/or other methods de-identifying when applicable.

Fig. 1 is a schematic diagram of the main steps of a loan data supervision method, according to an embodiment of the invention.

As shown in fig. 1, the loan data supervision method according to the embodiment of the invention mainly includes the following steps S101 to S105:

step S101: transaction data of a plurality of primary accounts receiving the primary loan funds is obtained according to loan data supervision requirements of a supervision party.

In order to optimize the industry structure in the jurisdiction, policy fund support is provided to enterprises in the jurisdiction according to economic development indexes in the area, such as issuing low or no-interest loans for the enterprises. To ensure that loan funds are used as intended in the target industry while preventing the loan funds from flowing into the banned area, it is necessary to oversee the flow and use of the loan funds issued to the business and to make timely treatment of the account for illicit use of the loan funds.

Transaction data of an initial account is obtained from a financial supervisory institution according to loan supervision requirements of a supervision party, wherein the initial account is a designated account for receiving initial loan funds in the name of an enterprise, the transaction data is all transaction records related to loan funds issued from the initial account, the initial loan funds are policy-held funds issued to the enterprise, the supervision party can be a government agency, and the financial supervisory institution can be a banking and insurance authority. The banking and insurance bureau can provide relatively comprehensive financial data, so that data support with higher reliability can be provided for loan supervision.

Step S102: and determining a target collection account from the collection account currently holding the loan funds and the collection account transferred with the loan funds according to the circulation records of the loan funds transferred from the plurality of initial accounts.

Based on the transaction data of the primary account obtained from the financial regulatory agency, a record of the flow of each loan funds may be tracked, and the account currently holding the loan funds and the account transferred with the loan funds may be determined. The account currently holding the loan funds and the account transferred through the loan funds are both referred to as the collection account of the loan funds.

In one embodiment of the present invention, in order to determine a target collection account from collection accounts of loan funds, in a case where the initial account indicates account opening information of the initial account, the determining a target collection account from collection accounts currently holding the loan funds and collection accounts transferred with the loan funds according to a circulation record of the loan funds transferred from a plurality of the initial accounts includes: determining the collection account currently holding the loan funds and the collection account transferred with the loan funds according to the circulation records of the loan funds transferred from the plurality of primary accounts; determining whether the account opening information contains a loan forbidden domain keyword according to the account opening information of the collection account; and determining a target collection account according to the collection account corresponding to the account opening information containing the loan forbidden domain keyword.

The target account is determined from the illicit account, where the illicit account refers to an account in which loan funds are used in the area of banned and the proportion of the loan funds to the corresponding initial loan funds reaches a second preset threshold. The basis for determining whether loan funds are used in the forbidden domain is as follows: if the account opening information of the collection account contains a forbidden domain keyword, the fact that the loan funds held by the collection account flow into the forbidden domain or the loan funds transferred in the forbidden domain flow into the forbidden domain can be determined, wherein the forbidden domain is an industry domain in which the loan supervisor can forbid the flow of the loan funds, such as a building, a stock market and the like. The calculation steps of the proportion of the loan funds to the corresponding initial loan funds are as follows: and determining an initial account of the loan funds according to the circulation record of the loan funds, determining the total amount of the initial loan funds received by the initial account according to the initial account, and calculating the ratio of the amount of the loan funds used for the forbidden domain to the corresponding total amount of the initial loan funds.

The forbidden domain keyword may be a name of a real estate enterprise, or an operation range or industry domain indicated in an account opening enterprise name of a collection account, such as "fund", "securities", "futures", and the like. The account opening information for the collection account may indicate the name, business scope, and/or industry domain of the account opening enterprise. And under the condition that the account opening information of the collection account contains the forbidden domain keywords and the proportion of the currently held and/or transferred loan funds to the corresponding initial loan funds reaches a second preset threshold value, determining that the collection account is an illegal collection account.

When the opening information of the collection account contains a forbidden domain keyword, but the proportion of the currently held and/or transferred loan funds to the corresponding initial loan funds does not reach the second preset threshold, the collection account can be determined that the loan funds are used in the forbidden domain, but the proportion of the loan funds used in the forbidden domain does not reach the second preset threshold, so that the collection account is not determined as an illegal collection account. For example, while the account holds and/or transfers loan funds and the account opening information includes a forbidden domain keyword, the amount of the loan funds is a small proportion of the total amount of initial loan funds corresponding to the loan amount, such as 1 hundred million yuan of initial loan funds, and the account holds and/or transfers 1 thousand yuan of the account, the collection account is not determined to be a illegal collection account because of the small proportion of the loan funds for forbidden domain.

In one embodiment of the present invention, in order to determine an illegal collection account from collection accounts corresponding to account opening information including a loan forbidden domain keyword, the determining a target collection account according to collection accounts corresponding to account opening information including the loan forbidden domain keyword includes: calculating the ratio of the amount of the loan funds received by the collection account to the corresponding initial loan funds total; judging whether the proportion is larger than a second preset threshold value or not; if yes, determining that the collection account is a illegal collection account; and determining a target collection account according to the illegal collection account.

And setting a proportion threshold, namely a second preset threshold according to the loan supervision requirement of the supervision party, and determining that the collection account is a illegal collection account when the account opening information of the account contains forbidden domain keywords and the held and/or transferred loan funds reach the proportion threshold. It will be appreciated that an amount threshold may also be set, and the collection account is determined to be a illicit collection account when the amount of loan funds for the forbidden area reaches the amount threshold.

In one embodiment of the invention, the determining the target collection account from the illicit collection account includes: counting the number of the illegal collection accounts corresponding to each loan fund according to each loan fund; and determining the illegal collection account which previously receives the loan funds as a target collection account according to the time sequence under the condition that the number of the illegal collection accounts corresponding to the loan funds is a plurality of.

And determining the number of the illegal collection accounts according to the longitudinal flow record of each loan fund, and determining the illegal collection account which receives the loan fund as a target collection account according to the flow record of the loan fund under the condition that the illegal collection account corresponding to the loan fund is not unique. For example, the primary account is a, loan funds flow from the primary account a into the collection account B, flow from the collection account B into the collection account C, and flow from the collection account C into the collection account D, wherein the collection account B and the collection account D are illegal collection accounts, that is, the account opening information of the collection account B and the collection account D both comprise forbidden domain keywords, and the proportion of the loan funds received by the collection account B and the collection account D exceeds a second preset threshold. In the case where the collection account B and the collection account D are both the offending collection account, the offending collection account B preceding the violation is determined as the target collection account. And under the condition that the illegal collection account corresponding to the loan funds is unique, directly determining the illegal collection account as a target collection account.

Step S103: and determining the number of times that the loan funds are transferred by the intermediate accounts between the plurality of primary accounts and the target collecting account according to the intermediate transaction data of the plurality of primary accounts and the target collecting account.

For each loan fund, determining an initial account and a target collection account corresponding to the loan fund according to the circulation record of the loan fund, and determining the number of times the loan fund is transferred between the initial account and the target collection account, wherein the number of times the loan fund is transferred is the number of intermediate accounts through which the loan fund flows between the initial account and the target collection account.

And evaluating the risk of the primary account corresponding to the loan funds according to the number of times the loan funds are transferred between the primary account and the target collection account. Under the condition that the transit times are 0, determining that loan funds directly enter a target collection account from the primary account, namely directly enter a forbidden area from the primary account; and under the condition that the transit times are not 0, judging that the loan funds indirectly enter the target collection account from the primary account, namely, after the loan flows out from the primary account, the loan funds flow into the forbidden domain after passing through one or more intermediate accounts.

Step S104: and determining the risk level of the primary account corresponding to the loan funds according to the transit times of the loan funds.

In one embodiment of the present invention, the determining the risk level of the primary account corresponding to the loan funds according to the transit times of the loan funds includes: judging whether the transit times of the loan funds are larger than a first preset threshold value or not; if so, determining that the primary account corresponding to the loan funds is not at risk; and if not, determining the risk level of the primary account corresponding to the loan funds according to the transit times.

The degree of illegal use of the loan funds can be determined according to whether the loan funds directly or indirectly flow into the forbidden domain from the primary account, and the risk level of the loan funds is determined according to the degree of illegal use, and the risk level of the loan funds can be also called as the risk level of the primary account corresponding to the loan funds because the primary account receiving the loan funds can be used as the identity of the loan funds.

Determining a first preset threshold according to the supervision degree of a supervision party on loan funds, wherein when the supervision degree is large, the set first preset threshold is large; when the supervision is smaller, the set first preset threshold value is also smaller. If the number of times of transferring the loan funds is greater than the first preset threshold value, the loan funds are not judged to be used illegally; and under the condition that the transit times of the loan funds are smaller than a first preset threshold value, judging that the loan funds are used illegally, and judging the risk level of the loan funds according to the specific transit times, namely judging the risk level of the primary account corresponding to the loan funds.

In one embodiment of the present invention, the determining the risk level of the primary account corresponding to the loan funds according to the transit times includes: judging whether the transit times are 0; if so, determining that the risk level of the primary account corresponding to the loan funds is high risk; if not, determining that the risk level of the primary account corresponding to the loan funds is not high risk.

The number of times of transferring the loan funds being 0 means that after the initial account corresponding to the loan funds receives the initial loan funds, part or all of the initial loan funds are directly used in the area of the banning of the loan supervision, and in this case, the risk level of the initial account is determined to be high risk.

The fact that the transfer times of the loan funds are not 0 means that after the loan funds are transferred out by the corresponding primary accounts, the loan funds flow through one or more intermediate accounts and finally enter the field of forbidden instructions of the loan supervision party, and in this case, the risk level of the primary account corresponding to the loan funds is determined according to the number of the loan funds which specifically flow through the intermediate accounts. For example, the number of intermediate accounts through which the loan funds flow is 1 or 2, the risk level of the primary account corresponding to the loan funds is determined to be medium risk, and for example, the number of intermediate accounts through which the loan funds flow is 3, the risk level of the primary account corresponding to the loan funds is determined to be low risk. It will be appreciated that when the first preset threshold is 3 and the number of intermediate accounts exceeds 3, it may be determined that the primary account corresponding to the loan funds is not at risk, and is a risk-free account.

Fig. 2 is a schematic diagram of the main steps of a loan data supervision method for determining risk levels, according to an embodiment of the invention.

As shown in fig. 2, the method for supervising loan data according to the embodiment of the invention mainly comprises the following steps:

step S201: determining whether the transit times of loan funds are greater than a first preset threshold value, if so, executing step S202; if not, step S203 is performed.

Step S202: and determining the primary account corresponding to the loan funds as a risk-free account.

Step S203: determining whether the transit times are 0, if so, executing step S204; if not, step S205 is performed.

Step S204: the risk level of the corresponding primary account is determined to be high risk.

Step S205: and determining the risk level of the corresponding primary account as non-high risk.

It can be understood that the number of transit times according to which the risk level of the primary account is determined can be set according to actual conditions, or more risk levels can be set.

Step S105: the risk level of the primary account is displayed so that the supervisor handles the primary account at risk according to the risk level.

In order to meet the supervision requirements of the loan supervision party visualization, a high-resolution large screen can be used for displaying the risk condition of each primary account. The presentation may be in the form of a table or a chart. The supervision party knows the risk condition of the loan funds through display and timely makes treatment measures on the primary account with higher risk so as to realize supervision of the loan funds.

In one embodiment of the invention, the presenting the risk level of the primary account includes: displaying an interface including function buttons; receiving a trigger instruction through the function button; and displaying the risk level of the primary account according to the trigger instruction.

To meet the interaction requirements during the presentation, an interface is generated that includes function buttons, which may be risk level buttons such as high risk, medium risk, and low risk, and presented on a large screen. The large screen may present information of the primary account at each risk level when the high risk, medium risk, and low risk buttons are triggered, respectively.

In one embodiment of the present invention, the triggering instruction indicates a risk level, and the displaying the risk level of the primary account according to the triggering instruction includes: counting the number of primary accounts of the risk level indicated by the trigger instruction; and displaying the risk level corresponding to the number of the primary accounts of the risk level.

After the risk levels of the plurality of primary accounts are determined, classifying the primary accounts according to the risk levels, counting the number of the primary accounts corresponding to each risk level, and enabling account opening information of each primary account to correspond to the risk levels one by one. When the high risk, medium risk, and low risk buttons are triggered, respectively, the large screen may present information on the number of primary accounts at each risk level, whereby the supervisor may learn the number duty cycle of the primary accounts at each risk level.

In one embodiment of the invention, the trigger instruction indicates a risk level and the primary account indicates account opening information of the primary account; the step of displaying the risk level of the primary account according to the trigger instruction comprises the following steps: determining account opening information of an initial account of the risk level indicated by the trigger instruction; and displaying the account opening information of the primary account and the risk level of the primary account correspondingly.

When the high risk, the medium risk and the low risk buttons are triggered respectively, the large screen can display account opening information of the primary account under each risk level, so that the supervisor can know the condition of using loan funds by each enterprise, namely whether to use the loan funds and how to rule out according to the account opening information of the primary account under each risk level.

Fig. 3 is a schematic diagram of the main steps of a loan data supervision method, according to an embodiment of the invention.

The following further uses the supervision of loan funds by a loan supervision party as an example, and describes the loan data supervision method provided by the embodiment of the invention in detail. As shown in fig. 3, the method may include the steps of:

step S301: transaction data for the primary account is obtained.

Transaction data of a plurality of primary accounts receiving the primary loan funds is obtained according to loan data supervision requirements of a supervision party.

Step S302: and determining a collection account of the loan funds according to the circulation records of the loan funds.

And determining the account currently holding the loan funds and the account transferred with the loan funds as a collection account of the loan funds according to the circulation records of the loan funds transferred from the plurality of initial accounts.

Step S303: determining whether the collection account uses the loan funds for the forbidden domain, if so, executing step S304; if not, step S305 is performed.

And determining whether the account opening information of the collection account contains a forbidden domain keyword, namely determining whether the loan funds held by the collection account flow into the forbidden domain or whether the transferred loan funds flow into the forbidden domain.

Step S304: determining whether the proportion of loan funds for the forbidden domain is greater than a second preset threshold, if so, executing step S306; if not, step S305 is performed.

In the case where the collection account uses the loan funds for the forbidden domain, a proportion of the loan funds to the corresponding initial loan funds is determined and compared with a second preset threshold.

Step S305: the collection account is determined to be a risk-free account.

And under the condition that the account opening information of the collection account does not contain the forbidden domain keyword, the fact that the loan funds held by the collection account do not flow into the forbidden domain or the loan funds transferred in the forbidden domain does not flow into the forbidden domain can be determined, so that the collection account is determined to be a risk-free account.

Step S306: a violation collection account is determined.

The method includes determining that a payoff account for which loan funds are used in the forbidden domain and a proportion of the loan funds reach a second preset threshold is a illicit payoff account.

Step S307: a target collection account is determined.

For each loan fund, determining the number of the illegal collection accounts corresponding to the loan fund, and if the number is not unique, determining the illegal collection account which previously receives the loan fund as a target collection account; if the number is unique, the offending account is determined to be the target account.

Step S308: the number of transfers of loan funds is determined.

For each loan funds used to ban the area, determining its corresponding primary account and target collection account, and determining the number of times the loan funds are transferred by the intermediary account between the primary account and the target collection account.

Step S309: and determining the risk level according to the number of times of the transfer.

According to the number of transfer, determining whether the loan funds flow into the forbidden domain directly or indirectly from the primary account, thereby determining the degree of illegal use of the loan funds, and determining the risk level of the loan funds according to the degree of illegal use.

Step S310: an interface is shown that includes function buttons.

To meet the interaction requirements during the presentation, an interface is generated that includes function buttons, which may be risk level buttons such as high risk, medium risk, and low risk, and presented on a large screen.

Step S311: and displaying the information of the primary account corresponding to each risk level.

After the risk levels of the plurality of primary accounts are determined, classifying the primary accounts according to the risk levels, counting the number of the primary accounts corresponding to each risk level, and enabling account opening information of each primary account to correspond to the risk levels one by one. When the high risk, medium risk and low risk buttons are triggered separately, the large screen may present the number information and/or account opening information for the primary account at each risk level.

According to the loan data supervision method, according to the loan data supervision requirement of the supervision party, transaction data of a plurality of primary accounts for receiving the primary loan funds are acquired; determining a target collection account from a collection account currently holding the loan funds and a collection account transferred with the loan funds according to the circulation records of the loan funds transferred from the plurality of initial accounts; determining the number of times the loan funds are transferred by the intermediate accounts between the plurality of primary accounts and the target collection account according to the intermediate transaction data of the plurality of primary accounts and the target collection account; determining the risk level of the primary account corresponding to the loan funds according to the transit times of the loan funds; the risk level of the primary account is displayed so that the supervisor handles the primary account at risk according to the risk level. Therefore, supervision of loan fund flow and use is realized by analyzing transaction data of a plurality of accounts, and the risk level of each account is determined so that the supervision party can make treatment measures on the corresponding primary account, thereby realizing closed-loop supervision of loan fund.

Fig. 4 is a schematic diagram of main modules of a loan data managing apparatus, according to an embodiment of the invention.

As shown in fig. 4, the loan data supervision apparatus 400 of the embodiment of the invention includes:

a data obtaining module 401, configured to obtain transaction data of a plurality of primary accounts that receive primary loan funds according to loan data supervision requirements of a supervision party;

a target determining module 402, configured to determine a target collection account from a collection account currently holding the loan funds and a collection account transferred with the loan funds according to a circulation record of the loan funds transferred from a plurality of the primary accounts;

a risk determination module 403, configured to determine, according to intermediate transaction data of the plurality of primary accounts and the target collection account, a number of times the loan funds are transferred between the plurality of primary accounts and the target collection account by the intermediate account, and determine, according to the number of times the loan funds are transferred, a risk level of the primary account corresponding to the loan funds;

and the display module 404 is configured to display a risk level of the primary account, so that the supervisor handles the primary account with risk according to the risk level.

In one embodiment of the present invention, the risk determination module 403 is further configured to determine whether the number of times of transferring the loan funds is greater than a first preset threshold; if so, determining that the primary account corresponding to the loan funds is not at risk; and if not, determining the risk level of the primary account corresponding to the loan funds according to the transit times.

In one embodiment of the present invention, the risk determination module 403 is further configured to determine whether the transit number is 0; if so, determining that the risk level of the primary account corresponding to the loan funds is high risk; if not, determining that the risk level of the primary account corresponding to the loan funds is not high risk.

In one embodiment of the present invention, the objective determining module 402 is further configured to determine, according to the circulation records of the loan funds transferred from the plurality of primary accounts, the collection account currently holding the loan funds and the collection account transferred with the loan funds; determining whether the account opening information contains a loan forbidden domain keyword according to the account opening information of the collection account; and determining a target collection account according to the collection account corresponding to the account opening information containing the loan forbidden domain keyword.

In one embodiment of the present invention, the targeting module 402 is further configured to calculate a ratio of the amount of the loan funds received by the collection account to the corresponding total amount of the initial loan funds; judging whether the proportion is larger than a second preset threshold value or not; if yes, determining that the collection account is a illegal collection account; and determining a target collection account according to the illegal collection account.

In one embodiment of the present invention, the objective determining module 402 is further configured to count, for each loan fund, the number of the illegal collection accounts corresponding to the loan fund; and determining the illegal collection account which previously receives the loan funds as a target collection account according to the time sequence under the condition that the number of the illegal collection accounts corresponding to the loan funds is a plurality of.

In one embodiment of the invention, the display module 404 is further configured to display an interface including function buttons; receiving a trigger instruction through the function button; and displaying the risk level of the primary account according to the trigger instruction.

In one embodiment of the present invention, the display module 404 is further configured to count the number of primary accounts of the risk level indicated by the trigger instruction; and displaying the risk level corresponding to the number of the primary accounts of the risk level.

In one embodiment of the present invention, the display module 404 is further configured to determine account opening information of the primary account of the risk level indicated by the trigger instruction; and displaying the account opening information of the primary account and the risk level of the primary account correspondingly.

According to the loan data supervision device, according to the loan data supervision requirement of the supervision party, transaction data of a plurality of primary accounts for receiving the primary loan funds are acquired; determining a target collection account from a collection account currently holding the loan funds and a collection account transferred with the loan funds according to the circulation records of the loan funds transferred from the plurality of initial accounts; determining the number of times the loan funds are transferred by the intermediate accounts between the plurality of primary accounts and the target collection account according to the intermediate transaction data of the plurality of primary accounts and the target collection account; determining the risk level of the primary account corresponding to the loan funds according to the transit times of the loan funds; the risk level of the primary account is displayed so that the supervisor handles the primary account at risk according to the risk level. Therefore, supervision of loan fund flow and use is realized by analyzing transaction data of a plurality of accounts, and the risk level of each account is determined so that the supervision party can make treatment measures on the corresponding primary account, thereby realizing closed-loop supervision of loan fund.

Fig. 5 illustrates an exemplary system architecture 500 in which a loan data administration method or loan data administration apparatus of an embodiment of the invention may be applied.

As shown in fig. 5, the system architecture 500 may include

terminal devices

501, 502, 503, a network 504, and a server 505. The network 504 is used as a medium to provide communication links between the

terminal devices

501, 502, 503 and the server 505. The network 504 may include various connection types, such as wired, wireless communication links, or fiber optic cables, among others.

A user may interact with the server 505 via the network 504 using the

terminal devices

501, 502, 503 to receive or send messages or the like. Various communication client applications, such as shopping class applications, web browser applications, search class applications, instant messaging tools, mailbox clients, social platform software, etc., may be installed on the

terminal devices

501, 502, 503.

The

terminal devices

501, 502, 503 may be a variety of electronic devices having a display screen and supporting web browsing, including but not limited to smartphones, tablets, laptop and desktop computers, and the like.

The server 505 may be a server providing various services, such as a background management server providing support for shopping-type websites browsed by the user using the

terminal devices

501, 502, 503. The background management server can analyze and the like the received data such as loan data supervision requirements and the like, and feed back the risk level of the primary account corresponding to the loan funds to the terminal equipment.

It should be noted that, the loan data supervision method provided in the embodiment of the invention is generally executed by the server 505, and accordingly, the loan data supervision apparatus is generally disposed in the server 505.

It should be understood that the number of terminal devices, networks and servers in fig. 5 is merely illustrative. There may be any number of terminal devices, networks, and servers, as desired for implementation.

Referring now to FIG. 6, there is illustrated a schematic diagram of a computer system 600 suitable for use in implementing an embodiment of the present invention. The terminal device shown in fig. 6 is only an example, and should not impose any limitation on the functions and the scope of use of the embodiment of the present invention.

As shown in fig. 6, the computer system 600 includes a Central Processing Unit (CPU) 601, which can perform various appropriate actions and processes according to a program stored in a Read Only Memory (ROM) 602 or a program loaded from a storage section 608 into a Random Access Memory (RAM) 603. In the RAM 603, various programs and data required for the operation of the system 600 are also stored. The CPU 601, ROM 602, and RAM 603 are connected to each other through a bus 604. An input/output (I/O) interface 605 is also connected to bus 604.

The following components are connected to the I/O interface 605: an input portion 606 including a keyboard, mouse, etc.; an output portion 607 including a Cathode Ray Tube (CRT), a Liquid Crystal Display (LCD), and the like, a speaker, and the like; a storage section 608 including a hard disk and the like; and a communication section 609 including a network interface card such as a LAN card, a modem, or the like. The communication section 609 performs communication processing via a network such as the internet. The drive 610 is also connected to the I/O interface 605 as needed. Removable media 611 such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, or the like is installed as needed on drive 610 so that a computer program read therefrom is installed as needed into storage section 608.

In particular, according to embodiments of the present disclosure, the processes described above with reference to flowcharts may be implemented as computer software programs. For example, embodiments of the present disclosure include a computer program product comprising a computer program embodied on a computer readable medium, the computer program comprising program code for performing the method shown in the flow chart. In such an embodiment, the computer program may be downloaded and installed from a network through the communication portion 609, and/or installed from the removable medium 611. The above-described functions defined in the system of the present invention are performed when the computer program is executed by a Central Processing Unit (CPU) 601.

The computer readable medium shown in the present invention may be a computer readable signal medium or a computer readable storage medium, or any combination of the two. The computer readable storage medium can be, for example, but not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or a combination of any of the foregoing. More specific examples of the computer-readable storage medium may include, but are not limited to: an electrical connection having one or more wires, a portable computer diskette, a hard disk, a Random Access Memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disc read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing. In the context of this document, a computer readable storage medium may be any tangible medium that can contain, or store a program for use by or in connection with an instruction execution system, apparatus, or device. In the present invention, however, the computer-readable signal medium may include a data signal propagated in baseband or as part of a carrier wave, with the computer-readable program code embodied therein. Such a propagated data signal may take any of a variety of forms, including, but not limited to, electro-magnetic, optical, or any suitable combination of the foregoing. A computer readable signal medium may also be any computer readable medium that is not a computer readable storage medium and that can communicate, propagate, or transport a program for use by or in connection with an instruction execution system, apparatus, or device. Program code embodied on a computer readable medium may be transmitted using any appropriate medium, including but not limited to: wireless, wire, fiber optic cable, RF, etc., or any suitable combination of the foregoing.

The flowcharts and block diagrams in the figures illustrate the architecture, functionality, and operation of possible implementations of systems, methods and computer program products according to various embodiments of the present invention. In this regard, each block in the flowchart or block diagrams may represent a module, segment, or portion of code, which comprises one or more executable instructions for implementing the specified logical function(s). It should also be noted that, in some alternative implementations, the functions noted in the block may occur out of the order noted in the figures. For example, two blocks shown in succession may, in fact, be executed substantially concurrently, or the blocks may sometimes be executed in the reverse order, depending upon the functionality involved. It will also be noted that each block of the block diagrams or flowchart illustration, and combinations of blocks in the block diagrams or flowchart illustration, can be implemented by special purpose hardware-based systems which perform the specified functions or acts, or combinations of special purpose hardware and computer instructions.

The modules involved in the embodiments of the present invention may be implemented in software or in hardware. The described modules may also be provided in a processor, for example, as: a processor includes a data acquisition module, a target determination module, a risk determination module, and a presentation module. The names of these modules do not constitute a limitation on the module itself in some cases, for example, a presentation module may also be described as "a module for presenting the risk level of the primary account".

As another aspect, the present invention also provides a computer-readable medium that may be contained in the apparatus described in the above embodiments; or may be present alone without being fitted into the device. The computer readable medium carries one or more programs which, when executed by a device, cause the device to include: acquiring transaction data of a plurality of primary accounts for receiving initial loan funds according to loan data supervision requirements of supervision parties; determining a target collection account from a collection account currently holding the loan funds and a collection account transferred with the loan funds according to the circulation records of the loan funds transferred from the plurality of initial accounts; determining the number of times the loan funds are transferred by the intermediate accounts between the plurality of primary accounts and the target collection account according to the intermediate transaction data of the plurality of primary accounts and the target collection account; determining the risk level of the primary account corresponding to the loan funds according to the transit times of the loan funds; the risk level of the primary account is displayed so that the supervisor handles the primary account at risk according to the risk level.

According to the technical scheme of the embodiment of the invention, transaction data of a plurality of primary accounts for receiving initial loan funds are obtained according to loan data supervision requirements of a supervision party; determining a target collection account from a collection account currently holding the loan funds and a collection account transferred with the loan funds according to the circulation records of the loan funds transferred from the plurality of initial accounts; determining the number of times the loan funds are transferred by the intermediate accounts between the plurality of primary accounts and the target collection account according to the intermediate transaction data of the plurality of primary accounts and the target collection account; determining the risk level of the primary account corresponding to the loan funds according to the transit times of the loan funds; the risk level of the primary account is displayed so that the supervisor handles the primary account at risk according to the risk level. Therefore, supervision of loan fund flow and use is realized by analyzing transaction data of a plurality of accounts, and the risk level of each account is determined so that the supervision party can make treatment measures on the corresponding primary account, thereby realizing closed-loop supervision of loan fund.

The above embodiments do not limit the scope of the present invention. It will be apparent to those skilled in the art that various modifications, combinations, sub-combinations and alternatives can occur depending upon design requirements and other factors. Any modifications, equivalent substitutions and improvements made within the spirit and principles of the present invention should be included in the scope of the present invention.

Claims

1. A method of loan data supervision, comprising:

acquiring transaction data of a plurality of primary accounts for receiving initial loan funds according to loan data supervision requirements of supervision parties;

determining a target collection account from a collection account currently holding the loan funds and a collection account transferred with the loan funds according to the circulation records of the loan funds transferred from the plurality of initial accounts;

determining the number of times the loan funds are transferred by the intermediate accounts between the plurality of primary accounts and the target collection account according to the intermediate transaction data of the plurality of primary accounts and the target collection account;

determining the risk level of the primary account corresponding to the loan funds according to the transit times of the loan funds;

The risk level of the primary account is displayed so that the supervisor handles the primary account at risk according to the risk level.

2. The method of claim 1, wherein the determining the risk level of the primary account corresponding to the loan funds according to the transit times of the loan funds comprises:

judging whether the transit times of the loan funds are larger than a first preset threshold value or not;

if so, determining that the primary account corresponding to the loan funds is not at risk;

and if not, determining the risk level of the primary account corresponding to the loan funds according to the transit times.

3. The method of claim 2, wherein determining the risk level of the primary account corresponding to the loan funds based on the transit times comprises:

judging whether the transit times are 0;

if so, determining that the risk level of the primary account corresponding to the loan funds is high risk;

if not, determining that the risk level of the primary account corresponding to the loan funds is not high risk.

4. The method of claim 1, wherein the collection account indicates account opening information for the collection account, wherein the determining a target collection account from a collection account currently holding the loan funds and a collection account transferred with the loan funds based on a flow record of the loan funds transferred from a plurality of the initial accounts comprises:

Determining the collection account currently holding the loan funds and the collection account transferred with the loan funds according to the circulation records of the loan funds transferred from the plurality of primary accounts;

determining whether the account opening information contains a loan forbidden domain keyword according to the account opening information of the collection account;

and determining the target collection account according to the collection account corresponding to the account opening information containing the loan forbidden domain keyword.

5. The method of claim 4, wherein the determining the target collection account from the collection account corresponding to the offer information including the loan exclusion area keyword comprises:

calculating the ratio of the amount of the loan funds received by the collection account to the corresponding initial loan funds total;

judging whether the proportion is larger than a second preset threshold value or not;

if yes, determining that the collection account is a illegal collection account;

and determining the target collection account according to the illegal collection account.

6. The method of claim 5, wherein the determining the target collection account from the illicit collection account comprises:

Counting the number of the illegal collection accounts corresponding to each loan fund;

and when the number of the illegal collection accounts corresponding to the loan funds is a plurality, determining the illegal collection account which previously receives the loan funds as the target collection account according to the time sequence.

7. The method of claim 1, wherein the exposing the risk level of the primary account comprises:

displaying an interface including function buttons;

receiving a trigger instruction through the function button;

and displaying the risk level of the primary account according to the trigger instruction.

8. The method of claim 7, wherein the trigger instruction indicates a risk level, wherein the displaying the risk level of the primary account according to the trigger instruction comprises:

counting the number of primary accounts of the risk level indicated by the trigger instruction;

and displaying the risk level corresponding to the number of the primary accounts of the risk level.

9. The method of claim 7, wherein the trigger instruction indicates a risk level and the primary account indicates account opening information for the primary account; and displaying the risk level of the primary account according to the trigger instruction, including:

Determining account opening information of an initial account of the risk level indicated by the trigger instruction;

and displaying the account opening information of the primary account and the risk level of the primary account correspondingly.

10. A loan data supervision apparatus, comprising:

the data acquisition module is used for acquiring transaction data of a plurality of primary accounts for receiving the primary loan funds according to loan data supervision requirements of a supervision party;

the target determining module is used for determining a target collection account from a collection account currently holding the loan funds and a collection account transferred with the loan funds according to the circulation records of the loan funds transferred from the plurality of initial accounts;

the risk judging module is used for determining the number of times that the loan funds are transferred by the intermediate accounts between the plurality of primary accounts and the target collection account according to the intermediate transaction data of the plurality of primary accounts and the target collection account, and determining the risk level of the primary account corresponding to the loan funds according to the number of times that the loan funds are transferred;

and the display module is used for displaying the risk level of the primary account so that the supervisor can treat the primary account with risk according to the risk level.

11. An electronic device for loan data administration, comprising:

one or more processors;

storage means for storing one or more programs,

when executed by the one or more processors, causes the one or more processors to implement the method of any of claims 1-9.

12. A computer readable medium, on which a computer program is stored, characterized in that the program, when being executed by a processor, implements the method according to any of claims 1-9.

13. A computer program product comprising a computer program, characterized in that the program, when executed by a processor, implements the method according to any of claims 1-9.