CN116934466A

CN116934466A - Processing method and device of loan request, storage medium and electronic device

Info

Publication number: CN116934466A
Application number: CN202310935036.8A
Authority: CN
Inventors: 曹飞; 张宏; 傅险平; 凡颖
Original assignee: Industrial and Commercial Bank of China Ltd ICBC
Current assignee: Industrial and Commercial Bank of China Ltd ICBC
Priority date: 2023-07-27
Filing date: 2023-07-27
Publication date: 2023-10-24

Abstract

The application discloses a processing method and device of a loan request, a storage medium and an electronic device. Relates to the field of financial science and technology, and the method comprises the following steps: receiving a target loan request triggered by a loan object in a loan system, wherein the target loan request is used for requesting loan resources; responding to the target loan request, and extracting target credit data of the loan object, wherein the target credit data is used for indicating the credibility of the loan object using the carbon energy; determining target loan data according to the target credit data, wherein the target loan data is used for indicating the resource amount of the loan permitted by the loan object; and processing the target loan request in the loan system according to the target loan data. The application solves the problem of lower processing efficiency of the loan request in the related technology.

Description

Processing method and device of loan request, storage medium and electronic device

Technical Field

The present application relates to the field of financial science and technology, and in particular, to a method and apparatus for processing a loan request, a storage medium, and an electronic apparatus.

Background

Under the condition that a user sends a loan request, the amount of money which can be loaned by the user is generally determined according to the credit information of the user, and in the prior art, the credit information of the user is generally determined according to the transaction condition of the user in daily life, so that parameters affecting the loan amount are limited.

Aiming at the problem of lower processing efficiency of the loan request in the related art, no effective solution is proposed at present.

Disclosure of Invention

The application mainly aims to provide a processing method, a processing device, a storage medium and an electronic device for a loan request, so as to solve the problem of lower processing efficiency of the loan request in the related art.

In order to achieve the above object, according to one aspect of the present application, there is provided a processing method of a loan request.

The method comprises the following steps:

receiving a target loan request triggered by a loan object in a loan system, wherein the target loan request is used for requesting loan resources;

responding to the target loan request, and extracting target credit data of the loan object, wherein the target credit data is used for indicating the credibility of the loan object using carbon energy;

determining target loan data according to the target credit data, wherein the target loan data is used for indicating the resource amount of the loan object to be permitted;

and processing the target loan request in the loan system according to the target loan data.

Optionally, the determining the target lending data according to the target credit data includes: determining a target credit rating of the lending object according to the target credit data; extracting an initial resource amount from the target loan request, wherein the initial resource amount is the resource amount of the loan request of the loan object; and adjusting the initial resource amount according to the target credit level to obtain a target resource amount as the target lending data.

Optionally, the determining the target credit rating of the lending object according to the target credit data includes: calculating the target credibility of the carbon energy used by the lending object according to the carbon emission information recorded in the carbon credit report of the lending object, wherein the lower the carbon emission amount of the lending object indicated by the carbon emission information is, the higher the credibility of the carbon energy used by the lending object is; determining a target reputation threshold range within which the target reputation falls from a plurality of reputation threshold ranges; searching the target credit level corresponding to the target credit threshold from the credit threshold range and the credit level with the corresponding relation, wherein the larger the boundary value of the credit threshold range is, the higher the credit level is.

Optionally, the adjusting the initial resource amount according to the target credit level to obtain a target resource amount as the target lending data includes: converting the target credit rating into a target lending coefficient, wherein the higher the credit rating is, the larger the lending coefficient is; and determining the product of the target lending coefficient and the initial resource amount as the target lending data.

Optionally, the extracting the target credit data of the lending object includes: generating a credit request corresponding to the lending object, wherein the credit request is used for requesting to extract a credit report of the lending object; sending the credit request to a credit system; and receiving a carbon credit report of the lending object returned by the credit system in response to the credit request as the target credit data, wherein carbon emission information of the lending object is recorded in the carbon credit report, and the carbon emission information is used for indicating the carbon emission condition of the lending object.

Optionally, the processing the target loan request in the loan system according to the target loan data includes: generating contract data according to the target lending data; pushing the contract data and the target loan data to a loan account number used by the loan object and a loan transaction account number corresponding to the target loan request on the loan system, wherein the loan transaction account number is used for transacting a loan business for the loan account number.

Optionally, after the processing of the target loan request in the loan system according to the target loan data, the method further comprises: continuously acquiring updated credit data of the lending object before the target lending request is canceled, wherein the corresponding lending request is canceled after the lending resources are cleared on the lending system, and the updated credit data is used for indicating the change condition of the credit degree of the lending object using the carbon energy after the target credit data is extracted; and under the condition that the updated credit data is used for indicating that the credit degree of the carbon energy used by the borrowing object is reduced and the reduction amount of the credit degree of the carbon energy used by the borrowing object is greater than or equal to a target threshold value, pushing alarm information to a borrowing handling account corresponding to the target borrowing request, wherein the borrowing handling account is used for handling borrowing business for the borrowing account.

In order to achieve the above object, according to another aspect of the present application, there is provided a processing apparatus for a loan request.

The device comprises:

the system comprises a receiving module, a processing module and a processing module, wherein the receiving module is used for receiving a target loan request triggered by a loan object in a loan system, wherein the target loan request is used for requesting loan resources;

the extraction module is used for responding to the target loan request and extracting target credit data of the loan object, wherein the target credit data is used for indicating the credibility of the loan object using the carbon energy;

a determining module configured to determine target loan data according to the target credit data, where the target loan data is used to indicate an amount of resources that the loan object is permitted to loan;

and the processing module is used for processing the target loan request in the loan system according to the target loan data.

According to the application, the following steps are adopted: receiving a target loan request triggered by a loan object in a loan system, wherein the target loan request is used for requesting loan resources; responding to the target loan request, and extracting target credit data of the loan object, wherein the target credit data is used for indicating the credibility of the loan object using the carbon energy; determining target loan data according to the target credit data, wherein the target loan data is used for indicating the resource amount of the loan permitted by the loan object; and processing the target loan request in the loan system according to the target loan data. The resource amount which allows the lending object to lend is determined according to the credit degree of the lending object using the carbon energy, so that the credit degree of the carbon energy which can be referred is provided in consideration of the trade condition in daily life, and the problem of lower processing efficiency of the lending request in the related technology is solved. Thereby achieving the effect of improving the processing efficiency of the loan request.

Drawings

The accompanying drawings, which are included to provide a further understanding of the application and are incorporated in and constitute a part of this specification, illustrate embodiments of the application and together with the description serve to explain the application. In the drawings:

FIG. 1 is a flow chart of a method for processing a loan request, provided in accordance with an embodiment of the application;

FIG. 2 is a schematic diagram of a process for extracting target credit data for a lending object according to an embodiment of the application;

FIG. 3 is a schematic illustration of determining a target credit rating for a lending object according to one embodiment of the application;

FIG. 4 is a flow chart of determining target lending data based on target credit data according to one embodiment of the application;

FIG. 5 is a flow chart of determining target lending data provided in accordance with an embodiment of the application;

FIG. 6 is a schematic diagram of a target loan request processing procedure, provided in accordance with an embodiment of the application;

FIG. 7 is a schematic diagram of a processing device for loan requests, provided in accordance with an embodiment of the application;

fig. 8 is a schematic diagram of an electronic device according to an embodiment of the application.

Detailed Description

It should be noted that, without conflict, the embodiments of the present application and features of the embodiments may be combined with each other. The application will be described in detail below with reference to the drawings in connection with embodiments.

In order that those skilled in the art will better understand the present application, a technical solution in the embodiments of the present application will be clearly and completely described below with reference to the accompanying drawings in which it is apparent that the described embodiments are only some embodiments of the present application, not all embodiments. All other embodiments, which can be made by those skilled in the art based on the embodiments of the present application without making any inventive effort, shall fall within the scope of the present application.

It should be noted that the terms "first," "second," and the like in the description and the claims of the present application and the above figures are used for distinguishing between similar objects and not necessarily for describing a particular sequential or chronological order. It is to be understood that the data so used may be interchanged where appropriate in order to describe the embodiments of the application herein. Furthermore, the terms "comprises," "comprising," and "having," and any variations thereof, are intended to cover a non-exclusive inclusion, such that a process, method, system, article, or apparatus that comprises a list of steps or elements is not necessarily limited to those steps or elements expressly listed but may include other steps or elements not expressly listed or inherent to such process, method, article, or apparatus.

It should be noted that, the processing method of the loan request proposed by the present application may be widely used, and may include, but not limited to: the method for processing the loan request is described by taking the example that the loan object triggers the debt financing scene in the loan system, but not limiting the use scene, and any process for determining the resource amount that the loan object can execute according to the credit degree of using the carbon energy source can be used in the method for processing the loan request provided by the application.

It should be noted that, related information (including, but not limited to, user equipment information, user personal information, etc.) and data (including, but not limited to, data for presentation, analyzed data, etc.) related to the present disclosure are information and data authorized by a user or sufficiently authorized by each party. For example, an interface is provided between the system and the relevant user or institution, before acquiring the relevant information, the system needs to send an acquisition request to the user or institution through the interface, and acquire the relevant information after receiving the consent information fed back by the user or institution.

The present application will be described with reference to preferred embodiments, and FIG. 1 is a flowchart of a method for processing a loan request, as shown in FIG. 1, according to an embodiment of the present application, the method comprising the steps of:

step S101, receiving a target loan request triggered by a loan object in a loan system, wherein the target loan request is used for requesting loan resources;

step S102, responding to the target loan request, and extracting target credit data of the loan object, wherein the target credit data is used for indicating the credibility of the loan object using the carbon energy;

step S103, determining target loan data according to the target credit data, wherein the target loan data is used for indicating the resource amount of the loan object to be permitted;

and step S104, processing the target loan request in the loan system according to the target loan data.

Through the steps, a target loan request triggered by a loan object in a loan system is received, wherein the target loan request is used for requesting loan resources; responding to the target loan request, and extracting target credit data of the loan object, wherein the target credit data is used for indicating the credibility of the loan object using the carbon energy; determining target loan data according to the target credit data, wherein the target loan data is used for indicating the resource amount of the loan permitted by the loan object; and processing the target loan request in the loan system according to the target loan data. The resource amount which allows the lending object to lend is determined according to the credit degree of the lending object using the carbon energy, so that the credit degree of the carbon energy which can be referred is provided in consideration of the trade condition in daily life, and the problem of lower processing efficiency of the lending request in the related technology is solved. Thereby achieving the effect of improving the processing efficiency of the loan request.

Alternatively, in this embodiment, the method for processing a loan request may be applied, but not limited to, a target system that allows processing a target loan request of a loan object, where the target system may be, but not limited to, a loan system connected to a target loan request triggered by a user and a credit investigation system storing target credit data of the loan object, and may be, but not limited to, acquiring the target credit data of the loan object through the target loan request triggered by the loan object in the loan system, and processing the target loan request according to the target credit data to acquire the target loan data.

In the solution provided in the step S101, the lending object is a user who requests lending resources, and may include, but is not limited to: individuals, businesses, organizations, communities, and the like.

Alternatively, in this embodiment, the lending object may, but is not limited to, issue a target lending request for lending resources through the lending system, and may, but is not limited to, determine, as the lending system, a medium in which the lending object triggers the target lending request, such as: the application of the target loan request triggered by the loan object, the paper file of the target loan request triggered by the loan object, the work scenario in which the loan object handles the request for the loan resource, and so on.

Alternatively, in this embodiment, the lending object may, but is not limited to, trigger one or more target lending requests for lending resources in the lending system, and each of the lending requests for lending resources issued by the lending object may, but is not limited to, be determined as the target lending request.

Alternatively, in the present embodiment, the targeted loan request may be, but is not limited to, a request to loan one or more loan resources. The lending resources may include, but are not limited to, services in the lending system that are allowed to be triggered, such as: loan business, settlement business, foreign exchange business, bill financing, bill vouching, internet finance, insurance service, and the like.

Optionally, in this embodiment, an example of a process in which the lending object triggers the target lending request is provided, taking the lending object as an enterprise, and the lending system as a qu-melting platform, the target lending request may be triggered, but not limited to, by the following ways:

and the enterprise selects carbon loan credit products (loan resources) and submits financing requirements (target loan requests) on a thoroughness financing platform, and the thoroughness financing platform pushes the detail content of the financing requirements to front-end display, applies for authorization to inquire carbon credit reporting (target credit data) and stores the financing requirements.

Details of financing demand may include, but are not limited to: the receipt date of financing demand, the order number of financing demand, business name, type of financing demand, product of financing demand, amount of financing demand, number of payouts of interest, application time of financing demand, intention bank, social credit code, period (month) of financing demand, financing use, actual business address, industry category, financing condition, financing balance, whether there is a credit, recent quarter business income (ten thousand yuan), recent two years business income (ten thousand yuan), employee number (person), occupation area (square meter), construction area (square meter), contact person, contact telephone, remarks, responsible market class, responsible bank, acceptance status, house credit amount, execution interest rate, last update time, credit status, credit amount, credit release amount, credit balance, loan period, original measurement interest rate, actual execution interest rate, loan use, loan date, expiration date, credit guarantee mode, refinance category, refinance release date, refinance expiration date, etc.

In the solution provided in the step S102, the target credit data may include, but is not limited to, a plurality of data including carbon energy used by the lending object, such as: annual actual carbon emission total amount, energy carbon emission electric quantity, energy carbon emission raw coal amount, energy carbon emission steam amount, energy carbon emission natural gas amount, energy carbon emission electric percentage, energy carbon emission raw coal percentage, energy carbon emission steam percentage, energy carbon emission natural gas percentage, industrial process carbon emission amount, industrial added value carbon emission intensity, industrial added value carbon emission standard ratio, industrial added value carbon emission intensity labeling result, tax carbon emission intensity labeling result, industrial added value, tax, energy carbon emission amount, electric quantity, raw coal amount, steam amount, gas amount nature, industrial process carbon emission amount, enterprise actual carbon emission total amount and the like.

Alternatively, in this embodiment, the target credit data of the lending object may be obtained according to, but not limited to, the target lending request triggered by the lending object, the target credit data may be, but not limited to, data that requires authorization of the lending object to obtain the target credit data, and the permission to obtain the target credit data may be, but not limited to, obtained through the target lending request triggered by the lending object.

In one exemplary embodiment, the target credit data for the lending object may be extracted, but is not limited to, as described in the following manner: generating a credit request corresponding to the lending object, wherein the credit request is used for requesting to extract a credit report of the lending object; sending the credit request to a credit system; and receiving a carbon credit report of the lending object returned by the credit system in response to the credit request as the target credit data, wherein carbon emission information of the lending object is recorded in the carbon credit report, and the carbon emission information is used for indicating the carbon emission condition of the lending object.

Alternatively, in this embodiment, the access permission for accessing the credit report of the lending object may be obtained by, but not limited to, receiving the target lending request of the lending object, thereby generating the credit request carrying the access permission for accessing the credit report of the lending object, and extracting the credit report of the lending object from the credit system through the credit request.

Alternatively, in this embodiment, the credit system may be, but is not limited to, a credit system for storing target credit data of a lending object. The credit report of the lending object may be obtained from the credit system by, but is not limited to, sending a credit request to the credit system carrying access permissions to access the credit report of the lending object.

Alternatively, in the present embodiment, the target credit data of the lending object may be determined according to the carbon emission information in the carbon credit report of the lending object, for example: and determining the weight of each piece of carbon emission information according to the influence degree of the carbon emission information on the credit degree of the carbon energy source used by the lending object, and calculating the weighted sum of the carbon emission information in the carbon credit report as target credit data of the lending object. Or, according to whether the credit degree of the carbon emission information on the lending object using the carbon energy source is positively or negatively influenced, calculating the sum of each piece of carbon emission information in the carbon credit report as target credit data of the lending object, and the like.

Alternatively, in the present embodiment, the carbon emission information in the carbon credit report may include, but is not limited to: annual actual carbon emission total amount, energy carbon emission electric quantity, energy carbon emission raw coal amount, energy carbon emission steam amount, energy carbon emission natural gas amount, energy carbon emission electric percentage, energy carbon emission raw coal percentage, energy carbon emission steam percentage, energy carbon emission natural gas percentage, industrial process carbon emission amount, industrial added value carbon emission intensity, industrial added value carbon emission standard ratio, industrial added value carbon emission intensity labeling result, tax carbon emission intensity labeling result, industrial added value, tax, energy carbon emission amount, electric quantity, raw coal amount, steam amount, gas amount nature, industrial process carbon emission amount, enterprise actual carbon emission total amount and the like.

Optionally, in this embodiment, an example of a process of acquiring a carbon credit report of a lending object is provided, taking the lending object as an enterprise, and the lending system as a qu-melting platform as an example, the carbon credit report of the lending object may be acquired, but not limited to, by the following method:

sending a credit request carrying the enterprise unified social credit code of the lending object to a credit investigation system;

the credit system obtains a carbon credit report of the lending object according to the unified social credit code of the enterprise of the lending object, and the content in the carbon credit report can include, but is not limited to: the method comprises the steps of enterprise name, industry, unified social credit code, report time, inquiry time, actual carbon emission total amount of enterprises, energy carbon emission electricity, energy carbon emission raw coal, energy carbon emission steam, energy carbon emission natural gas, energy carbon emission electricity percentage, energy carbon emission raw coal percentage, energy carbon emission steam percentage, energy carbon emission natural gas percentage, industrial process carbon emission, unit industrial increment value carbon emission intensity, unit industrial increment value carbon emission standard deviation rate, unit industrial increment value carbon emission intensity labeling result, unit tax carbon emission intensity labeling result, industrial increment value, tax, energy carbon emission, electricity, raw coal, steam, natural gas, industrial process carbon emission and enterprise actual carbon emission total amount.

Optionally, in this embodiment, an example of a process of extracting target credit data of a lending object is provided, fig. 2 is a schematic diagram of a process of extracting target credit data of a lending object, as shown in fig. 2, taking a lending object as an enterprise, a lending system as a flat-melting platform, and a target lending request as a financing request, where the method for processing a lending request is applied to a target system that allows processing of a target lending request of a lending object, and the method may, but is not limited to, extract target credit data of a lending object by:

and under the condition that the target system receives the financing request, an interface 2 is used for acquiring a carbon credit report of the enterprise from a credit investigation system according to the financing request. The financing platform may, but is not limited to, enable information interaction with the target system (which may, but is not limited to, include financing requests) by:

the fusion platform and the target system can use, but are not limited to, HTTPS (HyperText Transfer Protocol )/HTPPS (a transfer protocol for secure communication through a computer network), a POST (send) method, to implement processing of online information between two parties, and the message format is JSON (JavaScript Object Notation, a lightweight data interaction format). And the encryption of the JSON message data body ciphertext adopts RSA/ECB/PKCS1 packing (RSA is algorithm, ECB is block mode and PKCS1 packing is filling mode according to the information structure, and the signature domain value in the real-time transaction information is signed by adopting SHA1withRSA (encrypting RSA after encrypting the object by SHA 1) ".

For the target system: an own RSA key pair (comprising a public key and a private key) is generated, wherein the private key is self-preserved by the target system, and the public key is provided to the qu-melting platform. In the communication process, the information initiated by the target system is required to be signed by using a private key of the target system and encrypted by using a public key of the qu-melting platform; and for the information responded by the qu-fusion platform, verifying by using the public key of the qu-fusion platform and decrypting by using the private key of the target system.

And the financing request sent by the thoroughfare financing platform can include, but is not limited to, data including the name of the lending object, the account number of the lending object, historical transaction information of the lending object, and the like.

In the solution provided in step S103, the target credit data is used to indicate the credit degree of the lending object using the carbon source, and may, but is not limited to, determine the resource amount allowed to be lended by the lending object according to the credit degree of the lending object using the carbon source, for example: the higher the target credit data indicates that the credit object is using the carbon energy source, the higher the amount of resources the credit object is permitted to credit. Alternatively, the lower the amount of resources the lending object is permitted to lend, the worse the target credit data indicates that the lending object is using the carbon energy source.

In one exemplary embodiment, the determination of the target lending data from the target credit data may be, but is not limited to, as described below: determining a target credit rating of the lending object according to the target credit data; extracting an initial resource amount from the target loan request, wherein the initial resource amount is the resource amount of the loan request of the loan object; and adjusting the initial resource amount according to the target credit level to obtain a target resource amount as the target lending data.

Alternatively, in this embodiment, the reputation of the carbon energy source may include, but is not limited to, a plurality of credit levels, and the reputation of the carbon energy source for the lending object at the target credit level may be represented by, but is not limited to, the credit level, for example: taking the examples of the credit level of the carbon energy source including excellent, common and poor, the credit of the carbon energy source used by the lending object with the excellent credit level is determined to be good, the credit of the carbon energy source used by the lending object with the common credit level is determined to be general, and the credit of the carbon energy source used by the lending object with the poor credit level is determined to be poor.

Alternatively, in this embodiment, the target credit level of the lending object may be determined according to the target credit data, for example: and calculating target credit data of the lending object, and determining an interval in which the target credit data falls into the credit level as the target credit level of the lending object.

Alternatively, in this embodiment, the initial resource amount may be determined according to, but not limited to, a target loan request triggered by a loan object in a loan system, such as: the lending object triggers a target lending request for requesting lending resources in the lending system, and the amount of resources in the lending resources that the lending object can request lending is determined as an initial amount of resources.

Alternatively, in this embodiment, for the same target loan request, the target loan data of the loan object may be, but is not limited to, determined according to the target credit rating of the loan object, such as: the target credit data of the lending object is positively correlated with the target credit rating of the lending object, i.e. the better the credit rating of the lending object indicates that the credit rating of the lending object uses carbon energy, the more target resource amount is obtained by adjusting the initial resource amount according to the target credit rating, and the higher the target credit data is. Alternatively, the target credit rating of the lending object indicates that the worse the credit rating of the lending object using the carbon source, the smaller the target resource amount obtained by adjusting the initial resource amount according to the target credit rating, the lower the target lending data.

In one exemplary embodiment, the determining the target credit rating of the lending object based on the target credit data may be, but is not limited to, the following: calculating the target credibility of the carbon energy used by the lending object according to the carbon emission information recorded in the carbon credit report of the lending object, wherein the lower the carbon emission amount of the lending object indicated by the carbon emission information is, the higher the credibility of the carbon energy used by the lending object is; determining a target reputation threshold range within which the target reputation falls from a plurality of reputation threshold ranges; searching the target credit level corresponding to the target credit threshold from the credit threshold range and the credit level with the corresponding relation, wherein the larger the boundary value of the credit threshold range is, the higher the credit level is.

Optionally, in this embodiment, the carbon emission information recorded in the carbon credit report of the lending object may, but is not limited to, have a corresponding carbon emission threshold, and the target credit of the lending object may be determined according to whether the carbon emission information of the lending object exceeds the carbon emission threshold and whether each piece of carbon emission information affects the credit of the lending object using the carbon energy, for example: taking carbon emission information including actual annual carbon emission total amount of enterprises, carbon emission in industrial production process and carbon emission intensity of unit industrial increment as examples, determining weights of the actual annual carbon emission total amount of enterprises, carbon emission in industrial production process and carbon emission intensity information of unit industrial increment in target credit degree according to influence conditions of the actual annual carbon emission total amount of enterprises, carbon emission in industrial production process and carbon emission intensity information of unit industrial increment on credit degree of carbon energy used by a borrowing object, determining whether the actual annual carbon emission total amount of enterprises, carbon emission in industrial production process and carbon emission intensity of unit industrial increment exceed corresponding carbon emission thresholds, and calculating the target credit degree of the borrowing object according to the carbon emission condition of the borrowing object and the weights of the carbon emission information.

Alternatively, in the present embodiment, the reputation threshold may be, but is not limited to being, predetermined, such as: and predetermining a credibility threshold according to the carbon emission condition stored in the credit investigation system.

Alternatively, in this embodiment, the reputation of the carbon energy source may be divided by, but not limited to, a reputation threshold, and the reputation of using the carbon energy source may include, but is not limited to: excellent, normal, poor, etc.

Alternatively, in the present embodiment, the upper limit value and the lower limit value for dividing the reputation of the carbon energy source may be determined by, but not limited to, the target reputation threshold range.

Optionally, in this embodiment, an example of a process for determining a target credit level of a lending object is provided, fig. 3 is a schematic diagram provided according to an embodiment of the present application for determining a target credit level of a lending object, and as shown in fig. 3, taking a credit level threshold for dividing a credit level from low to high into four credit levels (a first credit level, a second credit level, a third credit level, and a fourth credit level) as an example, calculating a target credit level of a lending object using a carbon energy source according to carbon emission information recorded in a carbon credit report of the lending object, and determining a credit level in which the target credit level falls, including:

Determining the target credit level of the lending object as a fourth credit level under the condition that the target credit level is smaller than or equal to a credit threshold value 1; determining the target credit rating of the lending object as a third credit rating in the case that the target credit rating is greater than the credit threshold 1 and less than or equal to the credit threshold 2; determining the target credit rating of the lending object as a second credit rating if the target credit rating is greater than the credit threshold 2 and less than or equal to the credit threshold 3; and determining the target credit level of the lending object as the first credit level under the condition that the target credit level is less than or equal to the credit threshold value 4.

In one exemplary embodiment, a target amount of resources may be obtained as the target lending data by, but not limited to, adjusting the initial amount of resources according to the target credit rating as described below: converting the target credit rating into a target lending coefficient, wherein the higher the credit rating is, the larger the lending coefficient is; and determining the product of the target lending coefficient and the initial resource amount as the target lending data.

Alternatively, in this embodiment, the target credit rating and the target lending coefficient may be, but not limited to, a one-to-one correspondence relationship, for example: the target credit rating is excellent, the target credit rating is normal, the target credit rating is 1.2, the target credit rating is poor, the target credit rating is 1, and the like.

Alternatively, in this embodiment, the target resource amount may be obtained by, but not limited to, adjusting the initial resource amount of the loan request by the loan object through the target loan coefficient.

Optionally, in this embodiment, an example of a process of determining target loan data according to target credit data is provided, and fig. 4 is a flowchart provided according to an embodiment of the present application for determining target loan data according to target credit data, where, as shown in fig. 4, an initial resource amount of a loan object request loan is first extracted from a target loan request of a loan object; and calculating the target credit degree of the lending object using the carbon energy according to the carbon emission information recorded in the carbon credit report of the lending object, determining a target credit degree threshold range in which the target credit degree falls from a plurality of credit degree threshold ranges, and searching the target credit grade corresponding to the target credit degree threshold from the credit degree threshold range and the credit grade with the corresponding relation. And converting the target credit rating of the lending object into a target lending coefficient, and calculating the product of the target lending coefficient and the initial resource amount to obtain target lending data.

Optionally, in this embodiment, an example of a process for determining target loan data is provided, fig. 5 is a flowchart provided according to an embodiment of the present application, where, as shown in fig. 5, different loan support forces are given to the loan object based on the carbon credit report, the target credit data of the loan object is calculated according to the carbon credit report of the loan object, and the target credit level of the loan object is determined from the threshold range of the credit degree (which may be, but is not limited to, marked with colors, including dark green, light green, yellow, and red) and the credit level (support class, moderate support class, and cautious support class), and for the loan object whose threshold range of the credit degree is "dark green" or "light green", the credit level of the loan object is moderately adjusted, so as to meet the requirements of different types of loan services on the credit level, and the initial resource amount of the loan object is adjusted based on the credit level, such as:

For a lending object with a credibility threshold range of 'dark green' or 'light green', adjusting the initial resource quantity of the lending object by 1.2 times based on the credit level to determine the initial resource quantity as a target resource quantity; for the lending object with the threshold range of credibility of yellow, the initial resource amount of the lending object is not adjusted; for a lending object with a threshold range of "red" the initial amount of resources of the lending object is adjusted by a factor of 0.5 based on the credit rating to determine the target amount of resources.

In the solution provided in step S104, the target loan request of the loan object may be processed through, but not limited to, a loan system, for example: and issuing a target resource amount indicated by the target loan data for the lending object in the lending system.

In one exemplary embodiment, the target loan request may be processed in the loan system according to the target loan data, as described below, but in a non-limiting manner: generating contract data according to the target lending data; pushing the contract data and the target loan data to a loan account number used by the loan object and a loan transaction account number corresponding to the target loan request on the loan system, wherein the loan transaction account number is used for transacting a loan business for the loan account number.

Alternatively, in this embodiment, the contract data may be, but is not limited to, used for transacting a lending business for a lending object, which may include, but is not limited to: contract number, identification number of lending object, name of lending object, acceptance status (0: not accepted, 1: accepted), credit status (0: no, 1: yes), credit amount (unit: ten thousand yuan), loan issuing amount (unit: ten thousand yuan), loan term (unit: day), original measured interest rate (annual interest rate), actual execution interest rate (annual interest rate), actual loan use, loan issuing date, loan expiration date, and the like.

Alternatively, in this embodiment, the lending object may be, but not limited to, a target lending request triggered by using the lending account, and may be, but not limited to, a lending transaction account for processing the target lending request according to the target lending request of the lending object.

Optionally, in this embodiment, the debit account is used to transact debit business for the debit account, which may include, but is not limited to: the work account number of the target system connected with the loan system and the credit investigation system can be used for acquiring a target loan request connected with the loan system and a worker of target credit data of the credit investigation system, and the like.

In one exemplary embodiment, after the target loan request is processed in the loan system according to the target loan data, the target loan request may be processed, but is not limited to, in the following manner: continuously acquiring updated credit data of the lending object before the target lending request is canceled, wherein the corresponding lending request is canceled after the lending resources are cleared on the lending system, and the updated credit data is used for indicating the change condition of the credit degree of the lending object using the carbon energy after the target credit data is extracted; and under the condition that the updated credit data is used for indicating that the credit degree of the carbon energy used by the borrowing object is reduced and the reduction amount of the credit degree of the carbon energy used by the borrowing object is greater than or equal to a target threshold value, pushing alarm information to a borrowing handling account corresponding to the target borrowing request, wherein the borrowing handling account is used for handling borrowing business for the borrowing account.

Optionally, in this embodiment, the lending object needs to perform a resource repayment operation on the target lending data, and in the case that the lending object clears the target lending data, the lending request that clears the target lending data may be, but is not limited to, cancelled.

Optionally, in this embodiment, before the target lending request is cancelled, the credit degree of the lending object may be monitored by, but not limited to, continuously acquiring updated credit data of the lending object.

Alternatively, in the present embodiment, the target threshold may be, but is not limited to being, predetermined for determining whether the amount of reduction in the credit rating of the lending object using the carbon energy source requires an alarm.

Optionally, in this embodiment, the alert information may, but is not limited to, alert the lending object to decrease the reputation of using the carbon energy source, and the decrease of the reputation of using the carbon energy source by the lending object is greater than or equal to the target threshold.

Optionally, in this embodiment, an example of a processing procedure of a loan request is provided, fig. 6 is a schematic diagram of a processing procedure of a target loan request provided according to an embodiment of the present application, and as shown in fig. 6, taking a loan object as an enterprise, a loan system as a loan platform, and a target loan request as a loan request, where the processing method of a loan request is applied to a target system that allows processing of a target loan request of a loan object, for example, the target loan request may be processed, but not limited to, by:

And the enterprise submits a loan request on a qu-financing platform, the qu-financing platform pushes the loan request to a target system, simultaneously authorizes the target system to inquire a carbon credit report of the enterprise, saves the carbon credit report to a database, and displays information such as a list, details and the like of the loan request in the target system.

The target system requests access to the carbon credit report of the enterprise from the thoroughness melting platform, the target system writes the carbon credit report into the database, and the target system adjusts the initial resource amount of the enterprise requesting loan in combination with the carbon credit report to obtain the target resource amount allowing the loan object to loan.

The target system stores the target resource quantity of the target loan request which is completed to the database and returns the target resource quantity to the qu-melting platform. The target system keeps inquiring the carbon credit report of the enterprise in the credit investigation system, and monitors and assists the enterprise according to the change condition of the target credit grade of the enterprise.

The processing method of the loan request provided by the embodiment of the application receives the target loan request triggered by the loan object in the loan system, wherein the target loan request is used for requesting loan resources; responding to the target loan request, and extracting target credit data of the loan object, wherein the target credit data is used for indicating the credibility of the loan object using the carbon energy; determining target loan data according to the target credit data, wherein the target loan data is used for indicating the resource amount of the loan permitted by the loan object; and processing the target loan request in the loan system according to the target loan data. The resource amount which allows the lending object to lend is determined according to the credit degree of the lending object using the carbon energy, so that the credit degree of the carbon energy which can be referred is provided in consideration of the trade condition in daily life, and the problem of lower processing efficiency of the lending request in the related technology is solved. Thereby achieving the effect of improving the processing efficiency of the loan request.

It should be noted that the steps illustrated in the flowcharts of the figures may be performed in a computer system such as a set of computer executable instructions, and that although a logical order is illustrated in the flowcharts, in some cases the steps illustrated or described may be performed in an order other than that illustrated herein.

The embodiment of the application also provides a processing device for the loan request, and the processing device for the loan request can be used for executing the processing method for the loan request provided by the embodiment of the application. The following describes a processing device for a loan request provided by an embodiment of the present application.

Fig. 7 is a schematic diagram of a processing device for loan requests according to an embodiment of the application. As shown in fig. 7, the apparatus includes:

a receiving module 702, configured to receive a target loan request triggered by a loan object in a loan system, where the target loan request is used to request a loan resource;

an extracting module 704, configured to respond to the target loan request, and extract target credit data of the loan object, where the target credit data is used to indicate a reputation of the loan object using a carbon energy source;

A determining module 706, configured to determine target loan data according to the target credit data, where the target loan data is used to indicate an amount of resources that the loan object is allowed to loan;

a processing module 708 is configured to process the target loan request in the loan system according to the target loan data.

The processing device for the loan request provided by the embodiment of the application receives a target loan request triggered by a loan object in a loan system, wherein the target loan request is used for requesting loan resources; responding to the target loan request, and extracting target credit data of the loan object, wherein the target credit data is used for indicating the credibility of the loan object using the carbon energy; determining target loan data according to the target credit data, wherein the target loan data is used for indicating the resource amount of the loan permitted by the loan object; and processing the target loan request in the loan system according to the target loan data. The resource amount which allows the lending object to lend is determined according to the credit degree of the lending object using the carbon energy, so that the credit degree of the carbon energy which can be referred is provided in consideration of the trade condition in daily life, and the problem of lower processing efficiency of the lending request in the related technology is solved. Thereby achieving the effect of improving the processing efficiency of the loan request.

Optionally, in the processing device for loan request provided by the embodiment of the present application, the determining module includes:

a determining unit configured to determine a target credit level of the lending object according to the target credit data;

an extracting unit, configured to extract an initial resource amount from the target loan request, where the initial resource amount is a resource amount of the loan request of the loan object;

and the adjusting unit is used for adjusting the initial resource amount according to the target credit level to obtain a target resource amount as the target lending data.

Optionally, in the processing device for loan request provided by the embodiment of the present application, the determining unit is further configured to: calculating the target credibility of the carbon energy used by the lending object according to the carbon emission information recorded in the carbon credit report of the lending object, wherein the lower the carbon emission amount of the lending object indicated by the carbon emission information is, the higher the credibility of the carbon energy used by the lending object is; determining a target reputation threshold range within which the target reputation falls from a plurality of reputation threshold ranges; searching the target credit level corresponding to the target credit threshold from the credit threshold range and the credit level with the corresponding relation, wherein the larger the boundary value of the credit threshold range is, the higher the credit level is.

Optionally, in the processing device for loan request provided by the embodiment of the present application, the adjusting unit is further configured to: converting the target credit rating into a target lending coefficient, wherein the higher the credit rating is, the larger the lending coefficient is; and determining the product of the target lending coefficient and the initial resource amount as the target lending data.

Optionally, in the processing device for loan request provided by the embodiment of the present application, the extracting module includes:

the first generation unit is used for generating a credit request corresponding to the lending object, wherein the credit request is used for requesting to extract a credit report of the lending object;

the sending unit is used for sending the credit request to a credit system;

and the receiving unit is used for receiving a carbon credit report of the lending object returned by the credit system in response to the credit request as the target credit data, wherein the carbon credit report records carbon emission information of the lending object, and the carbon emission information is used for indicating the carbon emission condition of the lending object.

Optionally, in the processing device for loan request provided by the embodiment of the present application, the processing module includes:

A second generation unit configured to generate contract data according to the target lending data;

and the pushing unit is used for pushing the contract data and the target loan data to a loan account number used by the loan object and a loan transaction account number corresponding to the target loan request on the loan system, wherein the loan transaction account number is used for transacting the loan business for the loan account number.

Optionally, in the processing device for loan request provided by the embodiment of the present application, the device further includes:

the acquisition module is used for continuously acquiring updated credit data of the lending object before the target lending request is cancelled, wherein the corresponding lending request is cancelled after the lending resources are cleared on the lending system, and the updated credit data is used for indicating the change condition of the credit degree of the lending object using the carbon energy after the target credit data is extracted;

and the pushing module is used for pushing alarm information to a loan handling account corresponding to the target loan request under the condition that the updated credit data is used for indicating that the credit degree of the loan object using the carbon energy source is reduced and the reduction of the credit degree of the loan object using the carbon energy source is greater than or equal to a target threshold value, wherein the loan handling account is used for handling the loan business for the loan account.

The processing device for the loan request comprises a processor and a memory, wherein the modules, the units and the like are stored in the memory as program units, and the processor executes the program units stored in the memory to realize corresponding functions.

The processor includes a kernel, and the kernel fetches the corresponding program unit from the memory. The kernel may be provided with one or more kernel parameters to improve the processing efficiency of the loan request (object of the present invention).

The memory may include volatile memory, random Access Memory (RAM), and/or nonvolatile memory, such as Read Only Memory (ROM) or flash memory (flash RAM), among other forms in computer readable media, the memory including at least one memory chip.

The embodiment of the invention provides a computer readable storage medium, on which a program is stored, which when executed by a processor, implements a method for processing a loan request.

The embodiment of the invention provides a processor which is used for running a program, wherein the program runs to execute a processing method of a lending request.

As shown in fig. 8, an embodiment of the present invention provides an electronic device, where the device includes a processor, a memory, and a program stored in the memory and executable on the processor, and when the processor executes the program, the following steps are implemented:

The device herein may be a server, PC, PAD, cell phone, etc.

The application also provides a computer program product adapted to perform, when executed on a data processing device, a program initialized with the method steps of:

It will be appreciated by those skilled in the art that embodiments of the present application may be provided as a method, system, or computer program product. Accordingly, the present application may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present application may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.

The present application is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems) and computer program products according to embodiments of the application. It will be understood that each flow and/or block of the flowchart illustrations and/or block diagrams, and combinations of flows and/or 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, embedded processor, 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, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

In one typical configuration, a computing device includes one or more processors (CPUs), input/output interfaces, network interfaces, and memory.

The memory may include volatile memory in a computer-readable medium, random Access Memory (RAM) and/or nonvolatile memory, etc., such as Read Only Memory (ROM) or flash RAM. Memory is an example of a computer-readable medium.

Computer readable media, including both non-transitory and non-transitory, removable and non-removable media, may implement information storage by any method or technology. The information may be computer readable instructions, data structures, modules of a program, or other data. Examples of storage media for a computer include, but are not limited to, phase change memory (PRAM), static Random Access Memory (SRAM), dynamic Random Access Memory (DRAM), other types of Random Access Memory (RAM), read Only Memory (ROM), electrically Erasable Programmable Read Only Memory (EEPROM), flash memory or other memory technology, compact disc read only memory (CD-ROM), digital Versatile Discs (DVD) or other optical storage, magnetic cassettes, magnetic tape disk storage or other magnetic storage devices, or any other non-transmission medium, which can be used to store information that can be accessed by a computing device. Computer-readable media, as defined herein, does not include transitory computer-readable media (transmission media), such as modulated data signals and carrier waves.

It should also be noted that 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 one … …" does not exclude the presence of other like elements in a process, method, article or apparatus that comprises an element.

The foregoing is merely exemplary of the present application and is not intended to limit the present application. Various modifications and variations of the present application will be apparent to those skilled in the art. Any modification, equivalent replacement, improvement, etc. which come within the spirit and principles of the application are to be included in the scope of the claims of the present application.

Claims

1. A method of processing a loan request, comprising:

2. The method of claim 1, wherein said determining target lending data based on said target credit data comprises:

determining a target credit rating of the lending object according to the target credit data;

extracting an initial resource amount from the target loan request, wherein the initial resource amount is the resource amount of the loan request of the loan object;

and adjusting the initial resource amount according to the target credit level to obtain a target resource amount as the target lending data.

3. The method of claim 2, wherein said determining a target credit rating for the lending object based on the target credit data comprises:

calculating the target credibility of the carbon energy used by the lending object according to the carbon emission information recorded in the carbon credit report of the lending object, wherein the lower the carbon emission amount of the lending object indicated by the carbon emission information is, the higher the credibility of the carbon energy used by the lending object is;

determining a target reputation threshold range within which the target reputation falls from a plurality of reputation threshold ranges;

searching the target credit level corresponding to the target credit threshold from the credit threshold range and the credit level with the corresponding relation, wherein the larger the boundary value of the credit threshold range is, the higher the credit level is.

4. The method of claim 2, wherein said adjusting the initial amount of resources based on the target credit rating results in a target amount of resources as the target lending data, comprising:

converting the target credit rating into a target lending coefficient, wherein the higher the credit rating is, the larger the lending coefficient is;

And determining the product of the target lending coefficient and the initial resource amount as the target lending data.

5. The method of claim 1, wherein said extracting target credit data for the lending object comprises:

generating a credit request corresponding to the lending object, wherein the credit request is used for requesting to extract a credit report of the lending object;

sending the credit request to a credit system;

and receiving a carbon credit report of the lending object returned by the credit system in response to the credit request as the target credit data, wherein carbon emission information of the lending object is recorded in the carbon credit report, and the carbon emission information is used for indicating the carbon emission condition of the lending object.

6. The method of claim 1 wherein said processing said target loan request in said loan system in accordance with said target loan data comprises:

generating contract data according to the target lending data;

pushing the contract data and the target loan data to a loan account number used by the loan object and a loan transaction account number corresponding to the target loan request on the loan system, wherein the loan transaction account number is used for transacting a loan business for the loan account number.

7. The method of claim 1, wherein after said processing said target loan request in said loan system in accordance with said target loan data, said method further comprises:

continuously acquiring updated credit data of the lending object before the target lending request is canceled, wherein the corresponding lending request is canceled after the lending resources are cleared on the lending system, and the updated credit data is used for indicating the change condition of the credit degree of the lending object using the carbon energy after the target credit data is extracted;

and under the condition that the updated credit data is used for indicating that the credit degree of the carbon energy used by the borrowing object is reduced and the reduction amount of the credit degree of the carbon energy used by the borrowing object is greater than or equal to a target threshold value, pushing alarm information to a borrowing handling account corresponding to the target borrowing request, wherein the borrowing handling account is used for handling borrowing business for the borrowing account.

8. A processing apparatus for a loan request, comprising:

9. A processor for executing a program, wherein the program is operative to perform the method of processing a lending request according to any one of claims 1 to 7.

10. An electronic device comprising one or more processors and a memory for storing one or more programs, wherein the one or more programs, when executed by the one or more processors, cause the one or more processors to implement the method of processing a loan request of any of claims 1-7.