CN116720950A - Financial default information processing method, system, medium and electronic equipment - Google Patents
Financial default information processing method, system, medium and electronic equipment Download PDFInfo
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Abstract
The application discloses a financial default information processing method, a system, a medium and electronic equipment, wherein the method comprises the following steps: basic information and default information of borrowers are obtained, and requirement information and number information of different borrowers are obtained; establishing the requirement standards of different loan parties according to the requirement information; judging whether basic information and default information exist in all loan parties or not, wherein the loan parties with the default information meet the requirement standard; if the loan analysis result exists, obtaining the loan analysis result according to the basic information, the default information, the serial number information corresponding to the loan party meeting the requirement standard and a preset loan analysis model. By adopting the application, the borrower does not need to manually search each requirement of each borrower, so that the information accuracy is improved, the time of the borrower is saved, and the borrower can select a loan mode suitable for the borrower according to the loan analysis result after obtaining the loan analysis result.
Description
Technical Field
The present application relates to the field of data processing, and in particular, to a method, a system, a medium, and an electronic device for processing financial default information.
Background
With the continuous development of the internet and economy, the rise of internet finances has promoted the rapid development of loan industry, and more enterprises or individuals choose to go to banks or loan institutions for loans. A bank or loan institution that applies credit funds or free funds to a borrower in a loan campaign is referred to as a borrower, and an enterprise or individual from whom monetary funds are borrowed from a borrower is referred to as a borrower.
After the borrowing party submits the loan application to the borrowing party, the borrowing party can examine the borrowing party according to the loan requirement of the borrowing party, and if the examination passes, the borrowing party can receive the money from the borrowing party. Therefore, it is necessary for the borrower to understand the loan requirements of the borrower before applying for the loan, so as to apply for the loan to the appropriate borrower.
However, the loan parties are numerous today, and the loan requirements of each loan party are possibly different, so that the borrower needs to spend a lot of time to know the requirements of each loan party, and due to the uneven quality of network information, even if the borrower spends a lot of time to consult the information, the borrower can hardly choose the loan mode suitable for the borrower.
Disclosure of Invention
The application provides a financial default information processing method, a system, a medium and electronic equipment, which are used for more simply selecting a loan mode more suitable for a borrower.
In a first aspect, the present application provides a financial breach information processing method, the method comprising: basic information and default information of borrowers are obtained, and requirement information and number information of different borrowers are obtained; establishing the requirement standards of different loan parties according to the requirement information; judging whether the basic information and the default information meet the loan party of the requirement standard or not in all loan parties; if all the loan parties have the basic information and the default information which meet the requirement standard, obtaining a loan analysis result according to the basic information, the default information, the serial number information corresponding to the loan party which meets the requirement standard and a preset loan analysis model.
In the above embodiment, the basic information and default information of the borrower are obtained, and the requirement information and number information of different borrowers are obtained, so that the borrower does not need to manually search each requirement of each borrower, the information accuracy is improved, the time of the borrower is saved, the requirement standards of different borrowers are established according to the requirement information, and the loan analysis result is obtained according to the basic information, the default information, the number information corresponding to the borrower meeting the requirement standards and the preset loan analysis model. After the loan analysis result is obtained, the borrower can choose the loan mode suitable for the borrower according to the loan analysis result.
With reference to some embodiments of the first aspect, in some embodiments, the obtaining a loan analysis result according to the basic information, the default information, the serial number information corresponding to the loan party meeting the requirement standard, and a preset loan analysis model specifically includes: inputting the basic information, the default information and the serial number information corresponding to the loan party meeting the requirement standard into a preset loan analysis model to obtain the corresponding qualification score of the loan party; and obtaining a loan analysis result according to the corresponding qualification score of the loan party.
In the above embodiment, the basic information, the default information and the serial number information corresponding to the lender meeting the requirement standard are input into the preset loan analysis model to obtain the corresponding qualification score of the lender, and the loan analysis result is obtained according to the corresponding qualification score of the lender.
With reference to the embodiments of the first aspect, in some embodiments, the obtaining a loan analysis result according to the corresponding qualification score of the lender specifically includes: presetting a plurality of lenders before screening out the corresponding qualification scores of the lenders according to the levels of the corresponding qualification scores of the lenders; judging whether the screened loan party exists a loan party with a quality score larger than a preset value; if the selected loan party has the loan party larger than the preset qualification score, the loan party larger than the preset qualification score is confirmed as a target loan party, and a loan analysis result is generated according to the target loan party.
In the above embodiment, after obtaining the corresponding qualification scores of the loan parties, a plurality of corresponding loan parties with the qualification scores greater than the preset qualification scores and arranged earlier are screened as the target loan parties, and because there are a plurality of target loan parties and all the target loan parties are loan parties with larger probability of passing through examination, the loan personnel have a plurality of proper choices, and can apply for the loan parties simultaneously.
With reference to some embodiments of the first aspect, in some embodiments, the loan analysis result further includes a loan passing rate of the target lender, and after the generating the loan analysis result according to the target lender, further includes: obtaining the loan passing rate of the target loan party; adding the loan passing rate of the target lender to the loan analysis result.
In the above embodiment, the loan passing rate of the target lender is added to the loan analysis result, and when the borrower sees the loan analysis result, the borrower can use the loan passing rate as a reference and select the lender with higher loan passing rate for loan, so that the borrower can complete borrowing more easily.
With reference to some embodiments of the first aspect, in some embodiments, after determining whether the basic information and the default information meet the requirement criteria, the method further includes: if the basic information and the default information meet the requirement standard of the loan party do not exist in all the loan parties, displaying preset first warning information, and acquiring and identifying first feedback information of borrowers; judging whether the first feedback information is a reduced amount or not; if the first feedback information is the reduced credit limit, the credit limit in the basic information is changed according to the first feedback information; and repeatedly executing the steps of judging whether the basic information and the default information meet the requirement standard in all loan parties.
In the above embodiment, if the loan amount required by the borrower is higher, if the self situation does not meet the requirement of any borrower, the preset first warning information is displayed, the first feedback information of the borrower is received, if the first feedback information is the reduced amount, the loan amount in the basic information is correspondingly changed, and the judgment process is carried out again, so that the loan analysis result when the loan amount is reduced is obtained.
With reference to some embodiments of the first aspect, in some embodiments, after determining whether there is a lender greater than a preset qualification score in the screened lenders, the method further includes: if the screened loan party does not have a loan party larger than the preset qualification score, displaying preset second warning information, and acquiring and identifying second feedback information of the user; judging whether the second feedback information is updated or not; if the second feedback information is upgrading, generating and displaying a corresponding upgrading suggestion report according to the basic information and the default information.
In the above embodiment, if the borrower meets the requirements of the borrower but has low qualification, after the borrower confirms, an upgrade advice report is generated and displayed for the borrower to use as a reference, and the loan analysis is performed again after the upgrade.
With reference to some embodiments of the first aspect, in some embodiments, the preset loan analysis model is a neural network model.
In the embodiment, the loan analysis model adopts the neural network model, the neural network model has strong learning ability and high classification accuracy, and can output a result which is more similar to the real qualification score.
In a second aspect, embodiments of the present application provide a financial breach information processing system for performing a method as described in the first aspect and any possible implementation manner of the first aspect.
In some embodiments of the second aspect, the financial breach information processing system comprises:
the information acquisition module is used for acquiring basic information and default information of the borrower and acquiring the requirement information and number information of different borrowers;
the standard establishment module is used for establishing the requirement standards of different loan parties according to the requirement information;
the judging module is used for judging whether the basic information and the default information meet the requirement standard of the lenders exist in all the lenders;
and the result generation module is used for obtaining a loan analysis result according to the basic information, the default information, the serial number information corresponding to the loan party meeting the requirement standard and a preset loan analysis model if all the loan parties exist the basic information and the default information meeting the requirement standard.
With reference to some embodiments of the second aspect, in some embodiments, the financial breach information processing system further includes: and the screening module is used for presetting a plurality of lenders before screening the lenders meeting the requirement standard according to the corresponding qualification scores of the lenders.
With reference to some embodiments of the second aspect, in some embodiments, the financial breach information processing system further includes: the display module is used for displaying preset first warning information and preset second warning information.
With reference to some embodiments of the second aspect, in some embodiments, the information acquisition module is further configured to acquire a loan passing rate of the target lender.
With reference to some embodiments of the second aspect, in some embodiments, the determining module is further configured to determine whether a lender greater than a preset qualification score exists in the screened lenders, further configured to determine whether the first feedback information is a reduced credit, and further configured to determine whether the second feedback information is an upgrade.
In a third aspect, an embodiment of the present application provides an electronic device, including: one or more processors and memory;
the memory is coupled to the one or more processors, the memory for storing computer program code comprising computer instructions that the one or more processors call for causing the electronic device to perform the method as described in the first aspect and any possible implementation of the first aspect.
In a fourth aspect, embodiments of the present application provide a computer readable storage medium comprising instructions which, when run on an electronic device, cause the electronic device to perform a method as described in the first aspect and any possible implementation of the first aspect.
In a fifth aspect, embodiments of the present application provide a computer program product comprising instructions which, when run on an electronic device, cause the electronic device to perform a method as described in the first aspect and any possible implementation of the first aspect.
It will be appreciated that the financial breach information processing system provided in the second aspect, the electronic device provided in the third aspect, the computer storage medium provided in the fourth aspect, and the computer program product provided in the fifth aspect are all configured to perform the financial breach information processing method provided in the embodiment of the present application. Therefore, the advantages achieved by the method can be referred to as the advantages of the corresponding method, and will not be described herein.
In summary, the present application includes at least one of the following beneficial technical effects:
1. by adopting the application, the borrower does not need to manually search each requirement of each borrower, so that the information accuracy is improved, the time of the borrower is saved, and the borrower can select a loan mode suitable for the borrower according to the loan analysis result after obtaining the loan analysis result.
2. By adopting the application, after the borrower sees the loan analysis result, the borrower can use the loan passing rate as a reference and select the borrower with higher loan passing rate to carry out the loan, so that the borrower can complete borrowing more easily.
3. By adopting the application, after the borrower sees the loan analysis result, the borrower can use the loan passing rate as a reference and select the borrower with higher loan passing rate to carry out the loan, so that the borrower can complete borrowing more easily.
Drawings
FIG. 1 is a schematic diagram of an information interaction scenario of the financial breach information processing system of the present application.
Fig. 2 is a schematic diagram of an exemplary scenario in which borrowers gather borrower information in accordance with the present application.
Fig. 3 is a schematic diagram of an exemplary scenario of the operation of a borrower employing a financial breach information processing method in accordance with an embodiment of the present application.
FIG. 4 is a flow chart of a method for processing financial violations in accordance with an embodiment of the present application.
FIG. 5 is a flow chart of a method for processing financial violations in accordance with an embodiment of the present application.
FIG. 6 is a flow chart of a method for processing financial violations in accordance with an embodiment of the present application.
FIG. 7 is a schematic diagram of an exemplary scenario for the process of reducing credit in an embodiment of the application.
FIG. 8 is a flow chart of a method for processing financial violations in accordance with an embodiment of the present application.
FIG. 9 is a schematic diagram of an exemplary scenario in which an upgrade advice report is generated in an embodiment of the present application.
FIG. 10 is a block diagram of a financial breach information processing system of the present application.
Reference numerals illustrate: 1. an information acquisition module; 2. a standard establishment module; 3. a judging module; 4. and a result generation module.
Detailed Description
The terminology used in the following embodiments of the application is for the purpose of describing particular embodiments only and is not intended to be limiting of the application. As used in the specification of the present application and the appended claims, the singular forms "a," "an," "the," and "the" are intended to include the plural forms as well, unless the context clearly indicates to the contrary. It should also be understood that the term "and/or" as used in this disclosure refers to and encompasses any or all possible combinations of one or more of the listed items.
The terms "first," "second," and the like, are used below for descriptive purposes only and are not to be construed as implying or implying relative importance or implicitly indicating the number of technical features indicated. Thus, a feature defining "a first" or "a second" may explicitly or implicitly include one or more such feature, and in the description of embodiments of the application, unless otherwise indicated, the meaning of "a plurality" is two or more.
The following describes a scenario of a financial breach information processing system according to the present application:
it will be appreciated that in some embodiments, for ease of description, the financial violating information processing system of this application may also be referred to as a processing system, and may also be referred to by other names, and is not limited herein.
FIG. 1 is a schematic diagram of an information interaction scenario of the processing system of the present application. The processing system comprises a user side. The loan analysis software in the user side can call the information in the request information base through the network, and the information in the request information base is acquired from the information base of the loan side.
It can be understood that the user side may be a terminal device running loan analysis software with financial breach information processing or opening a loan analysis webpage with financial breach information processing, for example, a mobile phone, a tablet computer, a desktop computer, a smart television, etc., which are not limited herein. In addition, the customer end is typically operated by borrowers.
The following describes exemplary scenario of borrower information collection in the related art with reference to the schematic information interaction scenario shown in fig. 1:
an exemplary scenario for borrower gathering lender information in the related art of the present application is illustrated in fig. 2.
As shown in fig. 2, in the related art, borrowers need to search for the required information of each lender on the internet by themselves, and select an appropriate lender from among the lenders to carry out the loan according to their own situation. This process typically takes a lot of time, and the queried demand information may not be complete, or may be updated by the borrower, resulting in erroneous demand information, and thus, it is difficult for the borrower to easily select a loan pattern more suitable for the borrower.
The application provides a financial default information processing method, as shown in fig. 3, which is an exemplary scene diagram of the operation of borrowers after the financial default information processing method is adopted in the embodiment of the application.
As shown in fig. 3, after the borrower completes the questionnaire, the loan analysis software can directly analyze the information in the questionnaire to obtain the loan analysis result. The process does not require borrowers to search for the required information of each lender by themselves, and does not require borrowers to evaluate different lenders for multiple times. By adopting the scheme, the loan mode more suitable for the borrower can be simply and conveniently selected.
The following describes a financial default information processing method in an embodiment of the present application:
referring to fig. 4, a flow chart of a method for processing financial default information according to an embodiment of the application is shown;
s401, acquiring basic information and default information of a borrower;
the user side obtains basic information and default information of the borrower.
In some embodiments, the borrower is a business or individual borrowing monetary funds from a lender, who is a bank or loan facility that applies credit funds or free funds in a loan campaign to issue a loan to the borrower.
In some embodiments, the basic information may be obtained by borrower on-line filling out a questionnaire on the loan analysis software or the loan analysis webpage, or may be directly imported into the filled-out questionnaire and submitted on the loan analysis software or the loan analysis webpage, which is not limited herein. The content of the questionnaire can be formulated according to the requirements of each lender.
In some embodiments, the basic information includes a loan type, and if the loan type is a personal loan, the basic information further includes a loan amount and personal basic information, and the personal basic information may be a personal age, a working state, a property condition, and the like; if the loan type is enterprise loan, the basic information also comprises loan amount and enterprise basic information, and the enterprise basic information can be enterprise establishment time, enterprise revenue situation, guarantee information and the like.
In some embodiments, the base information or the breach information includes a tag and content, e.g., the tag of the base information is a time of establishment of the business and the content of the base information is three years of establishment of the business.
In some embodiments, the default information includes whether there is a history of default, a time of default, a number of default, a borrowing amount, a refund amount, and a refund amount, e.g., the borrowing amount is 10 ten thousand yuan for the borrower to borrow the A borrower in March, the refund amount is 10.5 ten thousand yuan for the borrower to refund in March, the refund amount is 8 ten thousand yuan for the borrower to refund in March, and the borrower has a history of default. In some embodiments, the breach information may also include rental payment for the business, not limited herein.
S402, acquiring the requirement information and the number information of different loan parties, and establishing the requirement standards of the different loan parties according to the requirement information;
after the user side obtains the basic information and the default information of the borrower, a request information obtaining instruction is sent to the loan analysis platform, the serial number information and the request information of different loan parties fed back by the loan analysis platform are received, and the request standards of the different loan parties are established according to the request information.
It can be understood that the request information base can store the request information of each loan party and the number information of each loan party uploaded by the loan end, and the information in the request information base can be correspondingly updated after the request information of the loan party is updated, and the loan analysis platform can call the request information in the request information base and send the request information to the user end.
In some embodiments, if the client downloads the loan analysis software, the request information may also be directly downloaded to the local client when the client downloads the loan analysis software, and the local request information may be updated accordingly via the network.
In some embodiments, the demand information is a demand of a borrower for the borrower by different borrowers when applying for different loan amounts, and the demand information includes basic demand information and default demand information. The basic requirement information in the requirement information may include a financial tax status, a revenue status, and a true year of the borrower corresponding to the loan amount, and for example, the basic requirement information may be: the borrower is an enterprise, and the borrowing direction A lenders two million, which requires the enterprise to hold for more than two years, and pays more than two tens of thousands of tax. The default requirement information in the requirement information may include the number of violations within a prescribed time, for example, the default requirement information may be: the overdue repayment phenomenon does not exist within one year, and the overdue repayment phenomenon cannot be performed twice within three years. The demand information may also include the credit of the business, the amount of the guaranty, etc., and is not limited herein.
In some embodiments, the numbering information is an identification of each lender, for distinguishing each lender, e.g., the numbering information may be 0001, 0001 representing an a-lender.
S403, judging whether basic information and default information exist in all loan parties, wherein the loan parties meet the requirement standard;
after the user side establishes the requirement standards of different loan parties according to the requirement information, judging whether basic information and default information exist in all the loan parties according with the requirement standards.
S404, if the information exists, obtaining a loan analysis result according to the basic information, the default information, the serial number information corresponding to the loan party meeting the requirement standard and a preset loan analysis model, and displaying the loan analysis result.
After the user side sequentially judges whether the basic information and the default information of the borrower meet the requirement standards of different borrowers, if the basic information and the default information of the borrower meet the requirement standards, the basic information, the default information and the serial number information corresponding to the borrower meeting the requirement standards are input into a preset loan analysis model to obtain a loan analysis result, and the obtained loan analysis result is displayed through a display in the user side.
In some embodiments, the loan analysis model may be stored in the loan analysis software, and the loan analysis model may be downloaded to the client side locally when the loan analysis software is downloaded, or may be stored in a server of the loan analysis platform, and the download may be performed when the loan analysis model is needed.
In the above embodiment, after the borrower operating the user side sees the loan analysis result, the borrower may choose to select a proper lender to submit a loan application according to the content in the loan analysis result, thereby completing the loan.
The method for processing financial default information in the embodiment of the present application is specifically described below with reference to the schematic information interaction scenario shown in fig. 1 and the schematic information interaction scenario shown in fig. 3 through the information interaction process of each end in the financial default information processing system:
fig. 5 is a schematic flow chart of a financial breach information processing method according to an embodiment of the present application.
S501, acquiring basic information of a borrower, default information of the borrower, serial number information of the borrower and requirement information of the borrower;
in some embodiments, in response to a questionnaire filling operation or a questionnaire submitting operation of a borrower, the user side obtains basic information and default information of the borrower, and when the basic information and the default information of the borrower are detected to be completely filled, the user side invokes requirement information and number information of different borrowers from a requirement information base.
S502, establishing requirement standards of different loan parties according to the requirement information;
after the request information of different loan parties is obtained, each request in the request information is classified in turn, different types of request marks are marked, and a request standard is established according to the specific content and the mark of the request information.
For example, if the request of the loan party a includes a request for an enterprise to hold for more than two years, the tag is an enterprise hold time request, and the request standard corresponding to the tag is that the enterprise hold time is longer than two years.
S503, judging whether basic information and default information exist in all loan parties, wherein the loan parties meet the requirement standard;
it can be understood that, since the tags of the basic information and the default information are consistent with the question of the questionnaire, the question of the questionnaire is formulated according to the type of the requirement information, and thus the tag types of the basic information and the default information have a corresponding relationship with the tag types of all the requirement information.
In some embodiments, after obtaining the basic information of the borrower, the default information of the borrower and the requirement information of the lender, the user identifies the basic information and the tags of the default information to obtain a plurality of tags arranged according to the questionnaire order, and matches the basic information and the tags of the default information with the tags corresponding to all the requirement standards of the first lender in sequence according to the questionnaire order to obtain a plurality of successfully matched basic information and default information.
And comparing the contents of the basic information and the default information which are successfully matched with the requirement standard in sequence, judging whether the contents of the basic information and the default information which are successfully matched meet the corresponding requirement standard, if so, the first lender is a lender of which the basic information and the default information meet the requirement standard, otherwise, the first lender is not a lender of which the basic information and the default information meet the requirement standard.
And matching the labels of the basic information and the default information with the labels corresponding to all the requirement standards of the second lender in sequence according to the questionnaire question arrangement sequence, and repeating the steps to judge whether the second lender is a lender with the basic information and the default information meeting the requirement standards or not until all the lenders judge whether the second lender is a lender with the basic information and the default information meeting the requirement standards or not, and judging whether the basic information and the default information meet the requirement standards or not in all the lenders.
For example, the label of the basic information of the borrower includes contents such as an enterprise establishment time, the basic information content corresponding to the enterprise establishment time label is that the enterprise is established for three years, the basic information content is matched with all labels of the first borrower, the successfully matched labels exist in all labels of the first borrower, a requirement standard corresponding to the successfully matched labels of the first borrower is that the enterprise establishment time is greater than two years, and the basic information corresponding to the enterprise establishment time label accords with the requirement standard.
S504, inputting the basic information, the default information and the serial number information corresponding to the loan party meeting the requirement standard into a preset loan analysis model to obtain the corresponding qualification score of the loan party;
the loan analysis model may be specifically a neural network model, and the process of establishing the loan analysis model may be: and taking the lightweight network model as an initial neural network model, acquiring a training sample of the initial neural network model and a training standard, wherein the training sample can be a historical application record of a historical borrower stored by a borrower, the historical application record comprises historical basic information and historical default information, and the training standard is a true qualification score. Inputting the training sample and the training standard into the initial neural network model to enable the neural network model to converge to obtain the loan analysis model with the training completed.
The lightweight network model may specifically be MobileNet, or may use other neural network models as an initial architecture, which is not limited herein.
After judging whether the basic information and the default information exist among all the loan parties and the loan parties with the default information meeting the requirement standard, if the basic information and the default information exist among the loan parties with the default information meeting the requirement standard, inputting the basic information, the default information and the serial number information corresponding to the loan party with the requirement standard into a preset loan analysis model to obtain the estimated qualification scores of the borrower by the loan parties corresponding to the plurality of serial number information, which can also be called as the corresponding qualification scores of the loan parties.
S505, presetting a plurality of loan parties before screening according to the high-low order of qualification scores;
after the corresponding qualification scores of the loan parties are obtained, the loan parties are ranked according to the height of the corresponding qualification scores of the loan parties, the ranking order is from high to low, the higher the qualification scores are, the more front the ranking is, and a plurality of preset loan parties with the front ranking are screened out. In some embodiments, the number of the preset plurality of lenders may be three or five, which is not limited herein.
S506, judging whether the screened loan party exists a loan party with a priority score larger than a preset priority score;
after screening out the preset plurality of loan parties with the front rank, comparing the corresponding qualification scores of the preset plurality of loan parties with the front rank with the preset qualification scores in sequence, and judging whether the screened loan party has a loan party with the priority score larger than the preset qualification score. In some embodiments, the preset qualification score may be 60 points, and the preset qualification score may be 70 points, which is not limited herein.
S507, confirming the loan party with the quality score larger than the preset value as a target loan party, acquiring the loan passing rate of the target loan party, and generating a loan analysis result according to the target loan party and the loan passing rate of the target loan party;
the request information base also stores the loan passing rate of each lender, wherein the loan passing rate is the ratio of the historical application passing times of the lender to the historical total application times.
After judging whether the screened loan party exists a loan party larger than the preset qualification score, if the screened loan party exists a loan party larger than the preset qualification score, confirming the loan party larger than the preset qualification score as a target loan party. And calling the loan passing rate of the target loan party in the requirement information base, and generating a loan analysis result according to the target loan party and the loan passing rate of the target loan party, wherein the loan analysis result can comprise the name of the target loan party, the qualification score of the borrower under the target loan party and the loan passing rate of the target loan party. In some embodiments, the loan analysis results may also include the address of the target lender, which may be stored in the requirements repository, without limitation.
It can be understood that, because the basic information and the default information of the borrower all meet the requirements of the target borrower, and the qualification of the borrower is higher for the target borrower, the borrower can apply for passing by when submitting the loan application to the target borrower with a higher probability, i.e. apply for the loan to the target borrower in a loan mode suitable for the borrower.
S508, displaying the loan analysis result.
And after the loan analysis result is generated, displaying the loan analysis result on a display of the user side.
Referring to fig. 6, after step S503 in the above embodiment, the method further includes the following steps:
s601, displaying preset first warning information, and acquiring and identifying first feedback information of borrowers;
s602, judging whether the first feedback information is a reduced amount;
s603, changing the loan amount in the basic information according to the first feedback information.
Referring to fig. 7, after determining whether the screened lender has a lender greater than a preset qualification score, if the screened lender does not have a lender greater than the preset qualification score, preset first warning information is displayed. Responding to the operation that borrower clicks 'yes' in the first warning information interface and the operation of filling the loan amount, generating first feedback information, acquiring and identifying the first feedback information of the borrower, judging whether the first feedback information is the reduced amount, if the first feedback information is the reduced amount, changing the loan amount in the basic information according to the value of the reduced amount in the first feedback information, and re-executing step S503.
Referring to fig. 8, after step S506 in the above embodiment, the method further includes the following steps:
s801, displaying preset second warning information, and acquiring and identifying second feedback information of borrowing staff;
s802, judging whether the second feedback information is updated or not;
and S803, generating and displaying a corresponding upgrade suggestion report degree according to the basic information and the default information.
Referring to fig. 9, after determining whether there are any loan parties whose basic information and default information meet the requirement standard, if there are no loan parties whose basic information and default information meet the requirement standard, displaying preset second warning information. And responding to the 'yes' operation of the borrower in the second warning information interface, and generating and displaying a corresponding upgrade proposal report according to the basic information and the default information, wherein the upgrade proposal report is a proposal which can be upgraded in a short time in the basic information and the default information. For example, the upgrade recommendation report may include a recommendation to increase the collateral.
In the above embodiment, the loan analysis software or the loan analysis web page is used to analyze the obtained information to obtain the loan analysis result, so that the borrower can more simply select the loan mode more suitable for the borrower according to the loan analysis result.
The embodiment of the application also discloses a financial default information processing system. Referring to fig. 10, a financial breach information processing system includes: an information acquisition module 1, a standard establishment module 2, a judgment module 3 and a result generation module 4.
The information acquisition module 1 is used for acquiring basic information and default information of borrowers and acquiring requirement information and number information of different borrowers;
the standard establishment module 2 is used for establishing the requirement standards of different loan parties according to the requirement information;
a judging module 3, configured to judge whether all loan parties have the basic information and the default information accords with the loan party with the requirement standard;
and the result generating module 4 is configured to obtain a loan analysis result according to the basic information, the default information, the serial number information corresponding to the loan party meeting the requirement standard, and a preset loan analysis model if all the loan parties have the basic information and the default information meeting the requirement standard.
It should be noted that: in the system provided in the above embodiment, when implementing the functions thereof, only the division of the above functional modules is used as an example, in practical application, the above functional allocation may be implemented by different functional modules according to needs, that is, the internal structure of the device is divided into different functional modules, so as to implement all or part of the functions described above. In addition, the embodiments of a financial default information processing system and a financial default information processing method provided in the foregoing embodiments belong to the same concept, and detailed implementation processes of the embodiments are shown in the method embodiments, which are not described herein again.
The above embodiments are only for illustrating the technical solution of the present application, and not for limiting the same; although the application has been described in detail with reference to the foregoing embodiments, it will be understood by those of ordinary skill in the art that: the technical scheme described in the foregoing embodiments can be modified or some technical features thereof can be replaced by equivalents; such modifications and substitutions do not depart from the spirit of the application.
As used in the above embodiments, the term "when …" may be interpreted to mean "if …" or "after …" or "in response to determination …" or "in response to detection …" depending on the context. Similarly, the phrase "at the time of determination …" or "if detected (a stated condition or event)" may be interpreted to mean "if determined …" or "in response to determination …" or "at the time of detection (a stated condition or event)" or "in response to detection (a stated condition or event)" depending on the context.
In the above embodiments, it may be implemented in whole or in part 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. When loaded and executed on a computer, produces a flow or function in accordance with embodiments of the present application, in whole or in part. The computer may be a general purpose computer, a special purpose computer, a computer network, or other programmable apparatus. The computer instructions may be stored in a computer-readable storage medium or transmitted from one computer-readable storage medium to another computer-readable storage medium, for example, the computer instructions may be transmitted from one website, computer, server, or data center to another website, computer, server, or data center by a wired (e.g., coaxial cable, fiber optic, digital subscriber line), or wireless (e.g., infrared, wireless, microwave, etc.). The computer readable storage medium may be any available medium that can be accessed by a computer or a data storage device such as a server, data center, etc. that contains an integration of 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), etc.
Those of ordinary skill in the art will appreciate that implementing all or part of the above-described method embodiments may be accomplished by a computer program to instruct related hardware, the program may be stored in a computer readable storage medium, and the program may include the above-described method embodiments when executed. And the aforementioned storage medium includes: ROM or random access memory RAM, magnetic or optical disk, etc.
Claims (10)
1. A financial default information processing method is characterized in that:
basic information and default information of borrowers are obtained, and requirement information and number information of different borrowers are obtained;
establishing the requirement standards of different loan parties according to the requirement information;
judging whether the basic information and the default information meet the loan party with the requirement standard or not in all loan parties;
if the basic information and the default information exist in all the loan parties, obtaining a loan analysis result according to the basic information, the default information, the serial number information corresponding to the loan party meeting the requirement standard and a preset loan analysis model.
2. The method according to claim 1, wherein the obtaining a loan analysis result according to the basic information, the default information, the serial number information corresponding to the lender meeting the requirement standard, and a preset loan analysis model specifically includes:
inputting the basic information, the default information and the serial number information corresponding to the loan party meeting the requirement standard into a preset loan analysis model to obtain the corresponding qualification score of the loan party;
and obtaining a loan analysis result according to the corresponding qualification score of the loan party.
3. The method according to claim 2, wherein the obtaining a loan analysis result according to the corresponding qualification score of the lender specifically comprises:
presetting a plurality of loan parties before screening out the loan parties meeting the requirement standard according to the corresponding qualification scores of the loan parties;
judging whether the screened loan party exists a loan party with a quality score larger than a preset value;
if the screened loan party has the loan party larger than the preset qualification score, confirming the loan party larger than the preset qualification score as a target loan party, and generating a loan analysis result according to the target loan party.
4. The method of claim 3, wherein the loan analysis result further comprises a loan passing rate of the target lender, and further comprising, after the generating the loan analysis result from the target lender:
obtaining the loan passing rate of the target loan party;
adding the loan passing rate of the target lender to the loan analysis result.
5. The method of claim 1, further comprising, after said determining whether there are any lenders among all lenders for which said base information and said default information meet a requirement criterion:
if the basic information and the default information of the loan party meet the requirement standard are not existed in all the loan parties, displaying preset first warning information, and acquiring and identifying first feedback information of borrowers;
judging whether the first feedback information is a reduced amount or not;
if the first feedback information is the reduced credit limit, the credit limit in the basic information is changed according to the first feedback information;
and repeatedly executing the steps of judging whether the basic information and the default information meet the requirement standard in all loan parties.
6. The method of claim 3, further comprising, after said determining whether there are lenders greater than a preset qualification score among the screened lenders:
if the screened loan party does not have a loan party larger than the preset qualification score, displaying preset second warning information, and acquiring and identifying second feedback information of borrowers;
judging whether the second feedback information is updated or not;
and if the second feedback information is upgrading, generating and displaying a corresponding upgrading suggestion report according to the basic information and the default information.
7. The method of claim 1, wherein the pre-set loan analysis model is a neural network model.
8. A financial breach information processing system, the system comprising:
the information acquisition module (1) is used for acquiring basic information and default information of borrowers and acquiring the requirement information and number information of different borrowers;
the standard establishment module (2) is used for establishing the requirement standards of different loan parties according to the requirement information;
the judging module (3) is used for judging whether the basic information and the default information exist in all loan parties or not, and the loan parties are in accordance with the requirement standard;
and the result generation module (4) is used for obtaining a loan analysis result according to the basic information, the default information, the serial number information corresponding to the loan party meeting the requirement standard and a preset loan analysis model if all the loan parties exist the basic information and the loan party meeting the requirement standard of the default information.
9. A computer readable storage medium storing a plurality of instructions adapted to be loaded by a processor and to perform the method steps of any of claims 1-7.
10. An electronic device, the electronic device comprising: one or more processors and memory; the memory is coupled with the one or more processors, the memory for storing computer program code comprising computer instructions that the one or more processors invoke to cause the electronic device to perform the method of any of claims 1-7.
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