CN116777605A - Method, device, equipment and computer storage medium for determining credit limit - Google Patents
Method, device, equipment and computer storage medium for determining credit limit Download PDFInfo
- Publication number
- CN116777605A CN116777605A CN202310780839.0A CN202310780839A CN116777605A CN 116777605 A CN116777605 A CN 116777605A CN 202310780839 A CN202310780839 A CN 202310780839A CN 116777605 A CN116777605 A CN 116777605A
- Authority
- CN
- China
- Prior art keywords
- organization
- credit
- determining
- information
- target
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Pending
Links
- 238000000034 method Methods 0.000 title claims abstract description 65
- 230000008520 organization Effects 0.000 claims abstract description 199
- 230000007306 turnover Effects 0.000 claims abstract description 19
- 238000004590 computer program Methods 0.000 claims description 20
- 238000012546 transfer Methods 0.000 claims description 8
- 238000012544 monitoring process Methods 0.000 claims description 5
- 230000004044 response Effects 0.000 claims description 3
- 238000010586 diagram Methods 0.000 description 9
- 230000008569 process Effects 0.000 description 7
- 238000004891 communication Methods 0.000 description 6
- 238000012545 processing Methods 0.000 description 5
- 230000006870 function Effects 0.000 description 4
- 230000003287 optical effect Effects 0.000 description 4
- 230000009471 action Effects 0.000 description 3
- 230000002093 peripheral effect Effects 0.000 description 3
- 230000001186 cumulative effect Effects 0.000 description 2
- 238000005516 engineering process Methods 0.000 description 2
- 238000011156 evaluation Methods 0.000 description 2
- 230000007774 longterm Effects 0.000 description 2
- 238000012986 modification Methods 0.000 description 2
- 230000004048 modification Effects 0.000 description 2
- 241000208125 Nicotiana Species 0.000 description 1
- 235000002637 Nicotiana tabacum Nutrition 0.000 description 1
- 238000007792 addition Methods 0.000 description 1
- 230000005540 biological transmission Effects 0.000 description 1
- 230000008859 change Effects 0.000 description 1
- 230000007547 defect Effects 0.000 description 1
- 230000000694 effects Effects 0.000 description 1
- 238000000802 evaporation-induced self-assembly Methods 0.000 description 1
- 239000000835 fiber Substances 0.000 description 1
- 230000005055 memory storage Effects 0.000 description 1
- 238000011084 recovery Methods 0.000 description 1
- 239000004065 semiconductor Substances 0.000 description 1
- 239000007787 solid Substances 0.000 description 1
- 238000006467 substitution reaction Methods 0.000 description 1
Landscapes
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The application discloses a method, a device and equipment for determining credit limit and a computer storage medium, and relates to the technical field of big data. The method comprises the following steps: receiving input of a user to a target interface in an organization, and responding to the input, and acquiring the business years of the organization, the number of orders, the order placing frequency and the license term under the condition that the organization identification is a target organization identification; acquiring the level information and order information of an organization under the condition that the business years, the number of orders, the frequency of placing orders and the license term meet target conditions; determining gear parameters of the organization based on the corresponding relation between the grade information and the gear parameters; scoring the order information by using a scoring rule of the order information to obtain a scoring value; and determining the credit limit of the organization by using the gear parameter, the grading value and the turnover coefficient. Therefore, the credit limit of the small organization can be calculated in a targeted manner, and the credit limit of the organization can be determined more accurately.
Description
Technical Field
The application belongs to the technical field of big data, and particularly relates to a method, a device, equipment and a computer storage medium for determining credit limit.
Background
The existing determination of the credit limit of the small organization is mainly based on tax data, generation and payment data, financing condition and other index data, and the index data is only suitable for organizations with long-term stable operation and is not suitable for unstable organizations or individuals with light assets.
The selected evaluation index data are unsuitable for small organizations, and the credit limit of the small organizations is not calculated in a targeted manner, so that the credit limit is inaccurately determined.
Disclosure of Invention
The embodiment of the application provides a method, a device, equipment and a computer storage medium for determining credit limit, which can calculate the credit limit of an organization through the grade information and order information of the organization, can accurately position the organization, differentially manage different organizations, can pertinently calculate the credit limit of a small organization and can more accurately determine the credit limit of the organization.
In a first aspect, an embodiment of the present application provides a method for determining a credit line, where the method includes:
receiving input of a user to a target interface in an organization, wherein the input comprises an organization identifier, the organization comprises a small micro enterprise, and the organization comprises at least one user;
in response to the input, acquiring an operational age of the organization, a number of orders, a frequency of placing the orders, and a license term if the organization identification is a target organization identification;
acquiring grade information and order information corresponding to the organization identification under the condition that the business years, the number of orders, the frequency of placing the orders and the license deadline meet target conditions;
determining gear parameters of an organization based on the corresponding relation between the grade information and the gear parameters;
grading the order information by using grading rules of the order information to obtain grading values;
and determining the credit limit of the organization by using the gear parameter, the grading value and the turnover coefficient.
In one possible implementation embodiment, after determining the credit line of the organization using the gear parameter, the scoring value and the turnover coefficient, the method further includes:
and deducting the credit line by using a credit line deduction rule to obtain the target credit line of the organization.
In one possible implementation embodiment, the input includes a user identifier, and in a case that the operational years, the number of orders, the frequency of placing the orders, and the license terms meet target conditions, obtaining the level information and the order information corresponding to the organization identifier includes:
generating authority information of an organization under the condition that the user identifier is a target user identifier, and the operating years, the number of orders, the frequency of placing the orders and the license deadline meet target conditions; and under the condition that the authority information meets the preset authority information, acquiring grade information and order information corresponding to the organization identification.
In one possible implementation embodiment, the method further includes:
obtaining a credit value of an organization;
and under the condition that the credit value is larger than a preset threshold value, transferring the resource information to the resource receiving equipment of the organization according to the target credit line.
In one possible implementation embodiment, after transferring the resource information to the resource receiving device of the organization according to the target credit line, the method further includes:
monitoring resource information;
and generating and displaying early warning information under the condition that the resource management equipment of the organization is detected to transfer the resource information to the resource management equipment of the target organization.
In one possible implementation embodiment, the method further includes:
and updating the turnover coefficient of the organization according to the credit value.
In one possible implementation,
in a second aspect, an embodiment of the present application provides a device for determining a credit limit, including:
the receiving module is used for receiving input of a user to a target interface in an organization, wherein the input comprises an organization identifier, the organization comprises a small micro enterprise, and the organization comprises at least one user;
the acquisition module is used for responding to the input, and acquiring the business years of the organization, the number of orders, the order placing frequency and the license term under the condition that the organization identifier is a target organization identifier;
the acquisition module is also used for acquiring grade information and order information corresponding to the organization identification under the condition that the business years, the number of orders, the frequency of placing the orders and the license deadline meet the target conditions;
the determining module is used for determining the gear parameters of the organization based on the corresponding relation between the grade information and the gear parameters;
the grading module is used for grading the order information by utilizing grading rules of the order information to obtain grading values;
and the determining module is also used for determining the credit limit of the organization by using the gear parameter, the grading value and the turnover coefficient.
In a third aspect, an embodiment of the present application provides an electronic device, including:
a processor and a memory storing computer program instructions;
the processor executes the computer program instructions to implement the method for determining the credit limit in any one of the above.
In a fourth aspect, an embodiment of the present application provides a computer storage medium, where computer program instructions are stored, where the computer program instructions, when executed by a processor, implement a method for determining a credit limit according to any one of the above.
In a fifth aspect, an embodiment of the present application provides a computer program product, where instructions in the computer program product, when executed by a processor of an electronic device, enable the electronic device to perform a method for determining a credit limit according to any one of the above.
The method, the device, the equipment and the computer storage medium for determining the credit limit comprise the steps of receiving input of a user in an organization to a target interface, wherein the input comprises an organization identification, the organization comprises a small micro enterprise, the organization comprises at least one user, acquiring the operation limit, the number of orders, the frequency of placing the orders and the license limit of the organization under the condition that the organization identification is the target organization identification, acquiring grade information and order information corresponding to the organization identification under the condition that the operation limit, the number of orders, the frequency of placing the orders and the license limit meet target conditions, determining the gear parameter of the organization based on the corresponding relation between the grade information and the gear parameter, grading the order information by utilizing a grading rule of the order information to obtain a grading value, and determining the credit limit of the organization by utilizing the gear parameter, the grading value and the turnover coefficient. The method comprises the steps of acquiring the grade information and the order information of an organization meeting the conditions, calculating the credit line of the organization according to the grade information and the order information of the organization, accurately positioning the organization, differentially managing different organizations, calculating the credit line of a small organization in a targeted manner, and determining the credit line of the organization more accurately.
Drawings
In order to more clearly illustrate the technical solution of the embodiments of the present application, the drawings that are needed to be used in the embodiments of the present application will be briefly described, and it is possible for a person skilled in the art to obtain other drawings according to these drawings without inventive effort.
FIG. 1 is a flowchart illustrating a method for determining credit limit according to an embodiment of the present application;
FIG. 2 is a flowchart illustrating a method for determining credit limit according to another embodiment of the present application;
FIG. 3 is a flowchart illustrating a method for determining credit limit according to another embodiment of the present application;
FIG. 4 is a flowchart illustrating a method for determining credit limit according to still another embodiment of the present application;
fig. 5 is a schematic structural diagram of a credit line determining device according to still another embodiment of the present application;
fig. 6 is a schematic structural diagram of an electronic device according to still another embodiment of the present application.
Detailed Description
Features and exemplary embodiments of various aspects of the present application will be described in detail below, and in order to make the objects, technical solutions and advantages of the present application more apparent, the present application will be described in further detail below with reference to the accompanying drawings and the detailed embodiments. It should be understood that the particular embodiments described herein are meant to be illustrative of the application only and not limiting. It will be apparent to one skilled in the art that the present application may be practiced without some of these specific details. The following description of the embodiments is merely intended to provide a better understanding of the application by showing examples of the application.
It is noted that relational terms such as first and second, and the like are used solely to distinguish one entity or action from another entity or action without necessarily requiring or implying any actual such relationship or order between such entities or actions. Moreover, the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising … …" does not exclude the presence of other like elements in a process, method, article or apparatus that comprises the element.
It should be noted that, in the embodiment of the present application, the data acquisition, storage, use, processing, etc. all conform to the relevant regulations of the national laws and regulations.
The existing determination of the credit limit of the small organization is mainly based on tax data, generation and payment data, financing condition and other index data, and the index data is only suitable for organizations with long-term stable operation and is not suitable for unstable organizations or individuals with light assets.
The selected evaluation index data are unsuitable for small organizations, and the credit limit of the small organizations is not calculated in a targeted manner, so that the credit limit is inaccurately determined.
In order to solve the problems in the prior art, the embodiment of the application provides a method, a device, equipment and a computer storage medium for determining credit. The method for determining the credit limit provided by the embodiment of the application is first described below.
Fig. 1 is a flow chart illustrating a method for determining credit according to an embodiment of the application.
As shown in fig. 1, the method for determining credit line provided in the embodiment of the present application includes S110 to S160.
S110, receiving input of a user to a target interface in an organization, wherein the input comprises an organization identifier, the organization comprises a small micro enterprise, and the organization comprises at least one user.
In some embodiments, the organization may include, but is not limited to, a small micro-business, such as a tobacco retail business, and the organization identification may be an organization name. Here, the small micro-enterprise is a generic term for small enterprises, micro-enterprises, and home-shop enterprises.
S120, responding to the input, and acquiring the business years of the organization, the number of orders, the order placing frequency and the license term under the condition that the organization identification is the target organization identification.
In some embodiments, the organization identification and the target organization identification are compared, and in the case that the organization identification is the target organization identification, the business years of the organization, the number of orders, the frequency of placing the orders, and the license terms are obtained, wherein the target organization identification comprises at least one.
S130, acquiring grade information and order information corresponding to the organization identification under the condition that the business years, the number of orders, the frequency of placing the orders and the license deadline meet target conditions.
In some embodiments, the access rule base stores a business year threshold, a number of orders placed threshold, a frequency of orders placed threshold, and the target condition may include a business year greater than the business year threshold, a number of orders placed greater than the number of orders placed threshold, a frequency of orders placed greater than the frequency of orders placed threshold, and a number of days from the expiration date of the license greater than the target value. In some embodiments, the level information characterizes a range in which an organization is located in all organizations, for example, the level information may be that the level of the organization is represented by a numerical value, and the higher the numerical value, the higher the range is. The order information may include, but is not limited to, whether an organization opens up to a public settlement house at a bank, whether an organization records the number of months at a bank with a substitute, where the organization is located, the amount of the order in the month, and the number of times the order was placed in the year, where the order information includes at least one piece.
And S140, determining the gear parameters of the organization based on the corresponding relation between the grade information and the gear parameters.
In some embodiments, the gear parameter characterizes a parameter corresponding to an interval in which gears are organized in all organizations.
As an example, the gear parameters corresponding to the intervals in which the different gears are located are different, for example, the ranks of all the organizations are ordered, that is, the numerical values representing the ranks are ordered from big to small, the interval in which the gears are located is the first 20% of the organization, the corresponding gear parameter is a, the interval in which the gears are located is 20% -40% of the organization, the corresponding gear parameter is B, the interval in which the gears are located is 40% -60% of the organization, the corresponding gear parameter is C, the interval in which the gears are located is 60% -80% of the organization, the corresponding gear parameter is D, the interval in which the gears are located is 80% -100% of the organization, and the corresponding gear parameter is E, wherein a > B > C > D > E.
In another example, the gear parameter may be calculated by equation (1), equation (1) as follows:
X＝f(a) (1)
wherein X represents a gear parameter, and a represents grade information. f represents a correspondence relationship between the gear parameter and the grade information.
And S150, grading the order information by utilizing grading rules of the order information to obtain grading values.
In some embodiments, the scoring rule of the order information includes scoring rule of each piece of order information, for example, the scoring rule of the order information includes scoring rule of cumulative order placement times in year, in order to add a score to an organization in case that the cumulative order placement times in year is greater than a preset times (the score value may be changed according to the setting in the scoring rule and is not limited to only add a score), and if not, add no score, where the preset times are times set in advance; the scoring rule of the order information includes a scoring rule of the place where the organization is located, and a score is added to the organization when the place where the organization is located is within a preset range (the score value can be changed according to the setting in the scoring rule and is not limited to only one score), if not, the score is not added, and the preset range is set in advance. And grading the order information by utilizing grading rules of the order information, wherein the obtained grading value is an accumulated grading value.
As one example, the score value may be calculated by equation (2), equation (2) as follows:
wherein b represents whether to open a public account at a bank, c represents that an organization records the number of months when the organization has a substitute at the bank, d represents that the organization is at the place, e represents the amount of an order in the month, m represents the number of times of accumulated order placement in a year, and g represents the grading rule of order information. It should be noted that the number of independent variables can be changed here, and is not limited to 5 (i.e., b, c, d, e and m).
S160, determining the credit limit of the organization by using the gear parameter, the grading value and the turnover coefficient.
In some embodiments, the turnover factor is a constant value that is used to adjust the credit of the output, e.g., the turnover factor may be represented by Z, which is a constant.
As one example, the credit of the organization may be determined by calculating the product of the gear parameter, the scoring value, and the turnover factor.
Thus, the level information and the order information of the organizations meeting the conditions are obtained, the credit line of the organizations is calculated through the level information and the order information of the organizations, the organizations can be precisely positioned, different organizations are differentially managed, the credit line of the small-sized organizations is calculated in a targeted manner, and the credit line of the organizations can be more accurately determined.
Based on this, in some embodiments, as shown in fig. 2, after S160 described above, the method may further include:
s170, deducting the credit line by utilizing a credit line deduction rule to obtain the target credit line of the organization.
In some embodiments, the credit limit deduction rule may include deducting the credit limit from the highest credit limit when the credit limit reaches the upper limit of the credit limit, and the credit limit deduction rule may further include a credit limit deduction rule customized according to different organizations, where the credit limit deduction rule is set in advance, and the credit limit deduction rule includes at least one credit limit.
Thus, the final loan amount can be generated through unified credit limit upper limit control and limit deduction rules, and the differentiated setting is satisfied.
Based on this, in some embodiments, as shown in fig. 3, the input includes a user identification, and S130 may specifically include S101 to S102.
S101, generating authority information of an organization under the condition that the user identification is a target user identification and the business years, the number of orders, the frequency of placing the orders and the license deadline meet target conditions.
In some embodiments, the user identification may be a user name, and the user identification may be a user identification of at least one user in the organization, the user being a user bound to the organization, e.g., for small micro-businesses, the user being a business owner.
In some embodiments, the admission rule base stores a plurality of target conditions, the admission rule base also stores a target organization identifier and a target user identifier, and the authority information of the organization is generated under the condition that the organization identifier and the user identifier are respectively consistent with the target organization identifier and the target user identifier, and the operation age, the number of orders, the frequency of placing orders and the license term meet the target conditions.
In some embodiments, the authority information for the organization is generated where the organization identification is consistent with the target organization identification, the user identification is consistent with the target user identification, and the business year of the organization is greater than a business year threshold, the number of orders placed is greater than a number of orders threshold, the frequency of orders placed is greater than a frequency of orders threshold, and the number of days from the license expiration date is greater than a target value. As one example, the target organization identification and the target user identification stored in the admission rule base include a target organization name and a target user name, and in the case where the organization name and the user name are identical to the target organization name and the target user name, authority information of the organization is generated.
In some embodiments, in the event that the organization identity and the user identity are inconsistent with the target organization identity and the target user identity, first information is generated for the organization, the first information characterizing that the organization does not qualify for credit.
S102, acquiring grade information and order information corresponding to the organization identification under the condition that the authority information meets preset authority information.
In some embodiments, the first information of the organization is generated in case the rights information does not satisfy the preset rights information.
Thus, when the organization has a request for the credit limit, the application input of the organization for the credit limit is received, whether the organization qualifies for applying for the credit limit is checked, the high-quality organization is screened, and the credit limit of the organization is calculated only under the condition that the authority information of the organization meets the preset authority information.
Based on this, in some embodiments, after S160 described above, the method may further include:
obtaining a credit value of an organization;
and under the condition that the credit value is larger than a preset threshold value, transferring the resource information to the resource receiving equipment of the organization according to the target credit line.
In some embodiments, the credit value may be determined from credit data of an organization. After the target credit line is determined, judging whether the credit value of the organization is larger than a preset threshold value, and transferring the resource information to the resource receiving equipment of the organization according to the target credit line under the condition that the credit value is larger than the preset threshold value, otherwise, not transferring the resource information.
Therefore, whether the resource transfer is to be performed is judged according to the credit value, and the safety of the resource information is improved.
Based on this, in some embodiments, the method may further comprise:
monitoring resource information;
and generating and displaying early warning information under the condition that the resource management equipment of the organization is detected to transfer the resource information to the resource management equipment of the target organization.
In some embodiments, the early warning information may be displayed on the display interface through a pop-up window, and the organization identifier may be displayed while the early warning information is displayed.
Thus, the dynamic state of the resource information is monitored in real time, and the safety of the resource information is improved.
Based on this, in some embodiments, the method may further comprise:
and updating the turnover coefficient of the organization according to the credit value.
Therefore, the turnover coefficient can be updated according to the credit value of the organization, the client credit is differentiated, and the defects of the traditional credit calculating method are overcome.
As an example, as shown in fig. 4, under the condition that a user in an organization inputs a credit limit in a target interface, judging whether the organization meets a target condition in an admission rule base, under the condition that an organization identifier is a target organization identifier, a user identifier is a target user identifier, and the business years, the number of orders, the frequency of placing orders and the license term meet the target condition in the admission rule base, generating authority information, under the condition that the authority information of the generated organization meets preset authority information, respectively determining a gear parameter and a grading value by using grade information and order information, determining the credit limit of the organization by using the gear parameter, the grading value and an adjusting coefficient, deducting the credit limit by using a credit limit deduction rule, obtaining the target credit limit of the organization, finally determining whether to transfer resource information (resource information corresponding to the target credit limit) to resource receiving equipment of the organization according to the credit value, and detecting and pre-warning the resource information after transferring the resource information; in the case that the organization information does not meet the target conditions in the admission rule library, the organization is not qualified to apply for credit, and the application is not passed. Wherein the scoring card includes a credit value.
Based on the method for determining the credit limit provided by the embodiment, correspondingly, the application further provides a specific implementation mode of the device for determining the credit limit. Please refer to the following examples.
Referring first to fig. 5, a credit line determining apparatus 500 provided in an embodiment of the present application includes:
the receiving module 510 is configured to receive an input from a user to a target interface in an organization, where the input includes an organization identifier, the organization includes a small micro enterprise, and the organization includes at least one user;
an obtaining module 520, configured to obtain, in response to the input, an operational age of the organization, a number of orders, a frequency of placing the orders, and a license term in a case where the organization identifier is the target organization identifier;
the obtaining module 520 is further configured to obtain the level information and the order information corresponding to the organization identifier when the business year, the number of orders, the frequency of placing the orders, and the license term meet the target conditions;
a determining module 530, configured to determine an organized gear parameter based on a corresponding relationship between the level information and the gear parameter;
the scoring module 540 is configured to score the order information by using a scoring rule of the order information, so as to obtain a scoring value;
the determining module 530 is further configured to determine a credit limit of the organization by using the gear parameter, the grading value and the turnover coefficient.
Based on this, in some embodiments, the apparatus 500 may further include:
and the deduction module is used for deducting the credit line by utilizing a credit line deduction rule after determining the credit line of the organization by utilizing the gear parameter, the grading value and the turnover coefficient, so as to obtain the target credit line of the organization.
Based on this, in some embodiments, the input includes a user identification, and the obtaining module 520 may specifically include:
the generation sub-module is also used for generating authority information of an organization under the condition that the user identifier is a target user identifier, and the operating years, the number of orders, the frequency of placing the orders and the license deadline meet target conditions;
and the acquisition sub-module is used for acquiring the grade information and the order information corresponding to the organization identification under the condition that the authority information meets the preset authority information. Based on this, in some embodiments, the apparatus 500 may further include:
the acquisition module is also used for acquiring the credit value of the organization;
and the transfer module is used for transferring the resource information to the resource receiving equipment of the organization according to the target credit line under the condition that the credit value is larger than the preset threshold value.
Based on this, in some embodiments, the apparatus 500 may further include:
the monitoring module is used for monitoring the resource information after transferring the resource information to the resource receiving equipment of the organization according to the target credit line;
the generation module is further used for generating and displaying early warning information under the condition that the resource management equipment of the organization is detected to transfer the resource information to the resource management equipment of the target organization.
Based on this, in some embodiments, the apparatus 500 may further include:
and the updating module is used for updating the turnover coefficient of the organization according to the credit value.
The modules of the credit line determining device provided in the embodiment of the present application can implement the functions of the steps of the credit line determining method provided in fig. 1 to 4, and achieve the corresponding technical effects, and are not described in detail herein for brevity.
Based on the same inventive concept, the embodiment of the application also provides electronic equipment.
Fig. 6 shows a schematic hardware structure of an electronic device according to an embodiment of the present application.
A processor 601 may be included in an electronic device and a memory 602 storing computer program instructions.
In particular, the processor 601 may include a central processing unit (Central Processing Unit, CPU), or an application specific integrated circuit (Application Specific Integrated Circuit, ASIC), or may be configured as one or more integrated circuits implementing embodiments of the present application.
Memory 602 may include mass storage for data or instructions. By way of example, and not limitation, memory 602 may include a Hard Disk Drive (HDD), floppy Disk Drive, flash memory, optical Disk, magneto-optical Disk, magnetic tape, or universal serial bus (Universal Serial Bus, USB) Drive, or a combination of two or more of the above. The memory 602 may include removable or non-removable (or fixed) media, where appropriate. Memory 602 may be internal or external to the integrated gateway disaster recovery device, where appropriate. In a particular embodiment, the memory 602 is a non-volatile solid state memory.
The Memory may include Read Only Memory (ROM), random access Memory (Random Access Memory, RAM), magnetic disk storage media devices, optical storage media devices, flash Memory devices, electrical, optical, or other physical/tangible Memory storage devices. Thus, in general, the memory includes one or more tangible (non-transitory) computer-readable storage media (e.g., memory devices) encoded with software comprising computer-executable instructions and when the software is executed (e.g., by one or more processors) it is operable to perform the operations described with reference to methods in accordance with aspects of the present disclosure.
The processor 601 reads and executes the computer program instructions stored in the memory 602 to implement any one of the credit determining methods of the above embodiments.
In one example, the electronic device may also include a communication interface 603 and a bus 610. As shown in fig. 6, the processor 601, the memory 602, and the communication interface 603 are connected to each other through a bus 610 and perform communication with each other.
The communication interface 603 is mainly used for implementing communication between each module, apparatus, unit and/or device in the embodiment of the present application.
Bus 610 includes hardware, software, or both, that couple components of the electronic device to one another. By way of example, and not limitation, the buses may include an accelerated graphics port (Accelerated Graphics Port, AGP) or other graphics Bus, an enhanced industry standard architecture (Extended Industry Standard Architecture, EISA) Bus, a Front Side Bus (FSB), a HyperTransport (HT) interconnect, an industry standard architecture (Industry Standard Architecture, ISA) Bus, an Infiniband interconnect, a low pin count (Linear Predictive Coding, LPC) Bus, a memory Bus, a micro channel architecture (MicroChannel Architecture, MCa) Bus, a peripheral component interconnect (Peripheral Component Interconnect, PCI) Bus, a PCI-Express (Peripheral Component Interconnect-X, PCI-X) Bus, a serial advanced technology attachment (Serial Advanced Technology Attachment, SATA) Bus, a video electronics standards association Local Bus (VLB) Bus, or other suitable Bus, or a combination of two or more of these. Bus 610 may include one or more buses, where appropriate. Although embodiments of the application have been described and illustrated with respect to a particular bus, the application contemplates any suitable bus or interconnect. The electronic device may execute the method for determining the credit limit in the embodiment of the present application, thereby implementing the method for determining the credit limit described in fig. 1 and fig. 4.
In addition, in combination with the method for determining credit limit in the above embodiment, the embodiment of the present application may be implemented by providing a computer storage medium. The computer storage medium has stored thereon computer program instructions; the computer program instructions, when executed by the processor, implement a method for determining credit limits in any of the above embodiments.
The application also provides a computer program product, and instructions in the computer program product, when executed by a processor of electronic equipment, cause the electronic equipment to execute the processes of the embodiment of the method for determining any credit limit.
It should be understood that the application is not limited to the particular arrangements and instrumentality described above and shown in the drawings. For the sake of brevity, a detailed description of known methods is omitted here. In the above embodiments, several specific steps are described and shown as examples. However, the method processes of the present application are not limited to the specific steps described and shown, and those skilled in the art can make various changes, modifications and additions, or change the order between steps, after appreciating the spirit of the present application.
The functional blocks shown in the above-described structural block diagrams may be implemented in hardware, software, firmware, or a combination thereof. When implemented in hardware, it may be, for example, an electronic circuit, an application specific integrated circuit (Application Specific Integrated Circuit, ASIC), suitable firmware, a plug-in, a function card, or the like. When implemented in software, the elements of the application are the programs or code segments used to perform the required tasks. The program or code segments may be stored in a machine readable medium or transmitted over transmission media or communication links by a data signal carried in a carrier wave. A "machine-readable medium" may include any medium that can store or transfer information. Examples of machine-readable media include electronic circuitry, semiconductor Memory devices, read-Only Memory (ROM), flash Memory, erasable Read-Only Memory (Erasable Read Only Memory, EROM), floppy disks, compact discs (Compact Disc Read-Only Memory, CD-ROM), optical disks, hard disks, fiber optic media, radio Frequency (RF) links, and the like. The code segments may be downloaded via computer networks such as the internet, intranets, etc.
It should also be noted that the exemplary embodiments mentioned in this disclosure describe some methods or systems based on a series of steps or devices. However, the present application is not limited to the order of the above-described steps, that is, the steps may be performed in the order mentioned in the embodiments, or may be performed in a different order from the order in the embodiments, or several steps may be performed simultaneously.
Aspects of the present disclosure are described above with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems) and computer program products according to embodiments of the disclosure. It will be understood that each block of the flowchart illustrations and/or block diagrams, and combinations of blocks in the flowchart illustrations and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, enable the implementation of the functions/acts specified in the flowchart and/or block diagram block or blocks. Such a processor may be, but is not limited to being, a general purpose processor, a special purpose processor, an application specific processor, or a field programmable logic circuit. It will also be understood that each block of the block diagrams and/or flowchart illustration, and combinations of blocks in the block diagrams and/or flowchart illustration, can be implemented by special purpose hardware which performs the specified functions or acts, or combinations of special purpose hardware and computer instructions.
In the foregoing, only the specific embodiments of the present application are described, and it will be clearly understood by those skilled in the art that, for convenience and brevity of description, the specific working processes of the systems, modules and units described above may refer to the corresponding processes in the foregoing method embodiments, which are not repeated herein. It should be understood that the scope of the present application is not limited thereto, and any equivalent modifications or substitutions can be easily made by those skilled in the art within the technical scope of the present application, and they should be included in the scope of the present application.
Claims (10)
1. The method for determining the credit limit is characterized by comprising the following steps:
receiving input of a user to a target interface in an organization, wherein the input comprises an organization identifier, the organization comprises a small micro-enterprise, and the organization comprises at least one user;
in response to the input, acquiring the operational years, the number of orders, the frequency of placing orders and the license terms of the organization under the condition that the organization identification is a target organization identification;
acquiring grade information and order information corresponding to the organization identification under the condition that the business years, the number of orders, the order placing frequency and the license deadline meet target conditions;
determining gear parameters of the organization based on the corresponding relation between the grade information and the gear parameters;
scoring the order information by using a scoring rule of the order information to obtain a scoring value;
and determining the credit limit of the organization by using the gear parameter, the grading value and the turnover coefficient.
2. The method for determining credit according to claim 1, wherein after determining the credit for the organization using the gear parameter, the score value, and the turnover coefficient, the method further comprises:
and deducting the credit limit by using a credit limit deduction rule to obtain the target credit limit of the organization.
3. The method for determining credit according to claim 1, wherein the inputting includes a user identification, and the obtaining the level information and the order information corresponding to the organization identification in the case where the business year, the number of orders, the frequency of placing the orders, and the license term satisfy target conditions includes:
generating authority information of the organization under the condition that the user identification is a target user identification and the operating years, the number of orders, the order placing frequency and the license deadline meet target conditions; and under the condition that the authority information meets the preset authority information, acquiring grade information and order information corresponding to the organization identification.
4. The method for determining credit according to claim 2, further comprising:
obtaining a credit value of the organization;
and transferring the resource information to the resource receiving equipment of the organization according to the target credit limit under the condition that the credit value is larger than a preset threshold value.
5. The method for determining credit according to claim 4, wherein after transferring the resource information to the resource receiving device of the organization according to the target credit, the method further comprises:
monitoring the resource information;
and generating and displaying early warning information under the condition that the resource management equipment of the organization transfers the resource information to the resource management equipment of the target organization.
6. The method for determining credit according to claim 5, further comprising:
and updating the turnover coefficient of the organization according to the credit value.
7. A device for determining credit, the device comprising:
the receiving module is used for receiving input of a user to a target interface in an organization, wherein the input comprises an organization identifier, the organization comprises a small micro-enterprise, and the organization comprises at least one user;
the acquisition module is used for responding to the input, and acquiring the operating years, the number of orders, the order placing frequency and the license deadline of the organization under the condition that the organization identifier is a target organization identifier;
the acquisition module is further configured to acquire grade information and order information corresponding to the organization identifier when the business years, the number of orders, the frequency of placing orders, and the license term meet target conditions;
the determining module is used for determining the gear parameters of the organization based on the corresponding relation between the grade information and the gear parameters;
the grading module is used for grading the order information by utilizing grading rules of the order information to obtain grading values;
and the determining module is further used for determining the credit limit of the organization by utilizing the gear parameter, the grading value and the turnover coefficient.
8. An electronic device, the device comprising: a processor and a memory storing computer program instructions;
the processor, when executing the computer program instructions, implements a method for determining credit limits as claimed in any one of claims 1-6.
9. A computer readable storage medium, wherein computer program instructions are stored on the computer readable storage medium, which when executed by a processor implement the method for determining credit as claimed in any one of claims 1-6.
10. A computer program product, characterized in that instructions in the computer program product, when executed by a processor of an electronic device, enable the electronic device to perform the method of determining credit as claimed in any one of claims 1-6.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202310780839.0A CN116777605A (en) | 2023-06-28 | 2023-06-28 | Method, device, equipment and computer storage medium for determining credit limit |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202310780839.0A CN116777605A (en) | 2023-06-28 | 2023-06-28 | Method, device, equipment and computer storage medium for determining credit limit |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN116777605A true CN116777605A (en) | 2023-09-19 |
Family
ID=87994396
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN202310780839.0A Pending CN116777605A (en) | 2023-06-28 | 2023-06-28 | Method, device, equipment and computer storage medium for determining credit limit |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN116777605A (en) |
-
2023
- 2023-06-28 CN CN202310780839.0A patent/CN116777605A/en active Pending
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| CN112734559B (en) | Enterprise credit risk evaluation method and device and electronic equipment | |
| CN111353901A (en) | Risk identification monitoring method and device and electronic equipment | |
| CN110009297A (en) | A kind of fiduciary qualification signal auditing method, device and equipment | |
| CN110782349A (en) | Model training method and system | |
| CN112330355A (en) | Consumption ticket transaction data processing method, device, equipment and storage medium | |
| CN112598499A (en) | Method and device for determining credit limit | |
| CN115034821A (en) | Vehicle estimation method and device, computer equipment and storage medium | |
| CN114662926A (en) | Scientific and technological enterprise evaluation method and device, equipment and medium thereof | |
| CN116777605A (en) | Method, device, equipment and computer storage medium for determining credit limit | |
| CN114677139A (en) | Method and device for determining loan amount, equipment, product and readable storage medium | |
| CN116485422A (en) | Second-hand vehicle estimation method, device and equipment based on improved reset cost method | |
| CN114661740A (en) | Data processing method, device, equipment, computer storage medium and program product | |
| CN114596105A (en) | Method, device, equipment and medium for evaluating credit of charging user | |
| CN114764714A (en) | Risk rating method and device for noble metal leasing transaction | |
| CN114638503A (en) | Asset risk pressure testing method, device, equipment and storage medium | |
| CN114399224A (en) | Data processing method, device, equipment, medium and product | |
| CN114066209A (en) | Service distribution method, device, equipment and computer storage medium | |
| CN116523627A (en) | Credit line prediction method, device, equipment, medium and product | |
| CN114065105A (en) | Data processing method, device, equipment and storage medium | |
| CN115617213A (en) | Parameter acquisition method, device, equipment, storage medium and program product | |
| CN117010569A (en) | Customer churn prediction method, apparatus, device, storage medium and program product | |
| CN114219309A (en) | Project evaluation method, device and equipment and computer storage medium | |
| CN118840193A (en) | Data processing method and device for trust evaluation | |
| CN114255132A (en) | Account checking method, account checking device, account checking equipment, storage medium and computer program product | |
| CN116308751A (en) | Method, device, equipment, medium and product for evaluating deadline mismatch risk |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| PB01 | Publication | ||
| PB01 | Publication | ||
| SE01 | Entry into force of request for substantive examination | ||
| SE01 | Entry into force of request for substantive examination |