CN117331983A

CN117331983A - Method, device, equipment and medium for searching overdue loan data

Info

Publication number: CN117331983A
Application number: CN202311169104.0A
Authority: CN
Inventors: 谢翀; 谭锐
Original assignee: New Share Technology Services Shenzhen Ltd
Current assignee: New Share Technology Services Shenzhen Ltd
Priority date: 2023-09-12
Filing date: 2023-09-12
Publication date: 2024-01-02

Abstract

The invention relates to a method, a device, equipment and a medium for searching overdue loan data, which relate to the technical field of finance, and the method comprises the following steps: acquiring data to be returned and data to be returned, and combining the data to be returned and the data to be returned to obtain a number sequence, wherein the number sequence comprises the amount to be returned of the data to be returned and the amount to be returned of the data to be returned; determining an inverse pair of the series according to the refund amount and the refund amount; and determining overdue results according to the reverse order pairs. And the data retrieval resource is reasonably utilized, so that the effect of improving the calculation efficiency of searching the data is realized.

Description

Method, device, equipment and medium for searching overdue loan data

Technical Field

The invention relates to the technical field of finance, in particular to a method, a device, equipment and a medium for searching overdue loan data.

Background

The overdue information (overdue data) is a relevant index for evaluating and calculating overdue of a loan (i.e., a credit property), and can simply reflect the risk status of the property, and is generally calculated according to a repayment plan and repayment detail by maintaining the repayment plan. However, after the debt transfer (i.e. the change of the creditor) service occurs, a repayment plan corresponding to the new creditor is generated, the state corresponding to the repayment date of the original creditor is up to date, the historical repayment plan (i.e. the repayment plan of the original creditor before the debt transfer) cannot be directly obtained, the historical repayment plan needs to be calculated in a cyclic recursion manner, and then the risk condition of the asset is obtained by evaluation according to the historical repayment plan and the repayment plan corresponding to the new creditor. For example: the 1 st and 3 rd dates of the repayment plan of the creditor A are overdue, but are cleared after the repayment days, the overdue is not generated at other times, the current repayment period is at the 5 th period, but the 5 th period is not reached, the "right transfer" is generated to the creditor B, the repayment plan of the creditor A obtained by the new creditor B is the final state (the latest state) when the creditor A is transferred, namely the states of the 1 st to 4 th dates are respectively overdue, and the overdue of the 1 st and 3 rd dates of the repayment plan of the creditor A cannot be directly known from the state information.

Traditional overdue algorithm: the historical repayment plan method is characterized in that the repayment plan is restored to a first-period repayment state according to repayment period times, repayment amounts and repayment time contained in each repayment detail of a borrower, specifically, the repayment plan is circularly iterated to the current date by combining with the actual repayment details from the first-period repayment state, so that the repayment plan is obtained, and corresponding overdue information is calculated according to the repayment plan.

For example: sorting the payback date of the creditor A and the payback time of the borrower according to time, successively comparing the payback date and the payback time according to time, comparing the payback amount corresponding to the payback date with the actual payback amount corresponding to the payback time, determining the overdue result of the time, and setting the term state of the final term 1: has been returned; stage 2: has been returned; stage 3: has been returned; stage 4: has been returned; installment 5: normal … … ", by calculating and updating the installment status" installment 1 "of the repayment plan of the creditor a: overdue; stage 2: has been returned; stage 3: overdue; stage 4: has been returned; installment 5: normal … … ", and determining the overdue result based on the calculated installment status.

The above-mentioned overdue information calculation method has the following disadvantages:

(1) Data loss problem: before debt transfer, payment schedule information may change or be lost, resulting in historical overdue information that does not accurately measure the borrower's ability to pay and credit rating.

(2) The calculation efficiency is low: to restore the historical overdue information prior to the debt transfer, each of the overdue payment plans needs to be restored one by one and the actual payment situation compared to determine whether overdue. The whole calculation process is very tedious, time-consuming and inefficient.

(3) The real-time performance is poor: under the condition of large data volume, reducing all historical repayment information can lead to slow processing speed of a computer, long waiting time is often needed, and real-time calculation requirements are difficult to meet.

(4) Poor compatibility: the reduction history repayment information is too complicated, and the calculation methods and standards of different financial institutions are different, so that the calculation results are different and are difficult to compare and use.

Disclosure of Invention

The invention provides a method for searching overdue data of a loan, which aims to solve the problem that historical repayment information needs to be restored in a traditional mode, and data retrieval resources cannot be reasonably utilized.

In a first aspect, the present invention provides a method for searching for overdue loan data, the method comprising:

acquiring data to be returned and data to be returned, and combining the data to be returned and the data to be returned to obtain a number sequence, wherein the number sequence comprises the amount to be returned of the data to be returned and the amount to be returned of the data to be returned;

determining an inverse pair of the series according to the refund amount and the refund amount;

and determining overdue results according to the reverse order pairs.

In a second aspect, the present invention provides a device for searching for loan expiration data, comprising means for performing the method for searching for loan expiration data according to any one of the embodiments of the first aspect.

In a third aspect, an electronic device is provided, including a processor, a communication interface, a memory, and a communication bus, where the processor, the communication interface, and the memory complete communication with each other through the communication bus;

a memory for storing a computer program;

and the processor is used for realizing the steps of the method for searching the overdue loan data according to any one of the embodiments of the first aspect when executing the program stored on the memory.

In a fourth aspect, there is provided a computer readable storage medium having stored thereon a computer program which when executed by a processor performs the steps of a method of searching for loan expiration data as set forth in any one of the embodiments of the first aspect.

Compared with the prior art, the technical scheme provided by the embodiment of the invention has the following advantages:

ordering loan data through the sequence of the amount and time to form order degree, then combining a sequence searching algorithm to quickly locate reverse order pairs in the order sequence, and quickly judging whether overdue data exist through the reverse order pairs. The method avoids the problem that the traditional mode needs to restore the historical repayment plan step by step to obtain overdue data, reduces the calculation capacity burden of data retrieval resources, and improves the calculation efficiency. The searching method is suitable for service requirements and calculation standards of different financial institutions, has good compatibility, can be applied in different service scenes, and improves flexibility and expandability of the system.

Drawings

The accompanying drawings, which are incorporated in and constitute a part of this specification, illustrate embodiments consistent with the invention and together with the description, serve to explain the principles of the invention.

In order to more clearly illustrate the embodiments of the invention or the technical solutions of the prior art, the drawings which are used in the description of the embodiments or the prior art will be briefly described, and it will be obvious to a person skilled in the art that other drawings can be obtained from these drawings without inventive effort.

FIG. 1 is a flowchart of a method for searching for overdue loan data, according to an embodiment of the invention;

FIG. 2 is a schematic diagram of a device for searching for overdue loan data according to an embodiment of the invention;

fig. 3 is a schematic structural diagram of a computer device according to an embodiment of the present invention.

Detailed Description

For the purpose of making the objects, technical solutions and advantages of the embodiments of the present invention more apparent, the technical solutions of the embodiments of the present invention will be clearly and completely described below with reference to the accompanying drawings in the embodiments of the present invention, and it is apparent that the described embodiments are some embodiments of the present invention, but not all embodiments of the present invention. All other embodiments, which can be made by those skilled in the art based on the embodiments of the invention without making any inventive effort, are intended to be within the scope of the invention.

Example 1

Fig. 1 is a flowchart of a method for searching for overdue loan data according to an embodiment of the invention. The embodiment of the invention provides a method for searching overdue data of a loan, and particularly, referring to fig. 1, the method for searching overdue data of the loan comprises the following steps S101-S103.

S101, obtaining the data to be returned and the data to be returned, and combining the data to be returned and the data to be returned to obtain a number sequence, wherein the number sequence comprises the amount to be returned of the data to be returned and the amount to be returned of the data to be returned.

In a specific implementation, loan data is acquired through a preset storage unit, the loan data comprises refund data and refund data, the refund data comprises refund date, term number, integer of refund date and integer of refund amount, and the refund data comprises refund date, term number, integer of refund date and integer of refund amount. The format of the payback date and the payback date is usually year-month-day, the payback date integer is the number of days from the preset date to the payback date, the payback amount integer and the payback amount integer are usually expressed in units of integers, the payback amount integer refers to the accumulated payback amount, and the payback amount integer refers to the accumulated payback amount.

In this embodiment, the refund amount integer of the refund data is taken as the refund amount, and the refund amount integer of the refund data is taken as the refund amount.

In one embodiment, the step S101 includes the steps of: and arranging the returned data and the returned data according to the amount of money from small to large, and taking the arranged data as the number sequence.

In the implementation, the refund amount integer of the refund data and the refund amount integer of the refund data are arranged from small to large, the amounts are the same, and the serial number is finally obtained according to the order from small to large.

S102, determining the reverse order pair of the number series according to the amount to be returned and the amount to be returned.

In the specific implementation, in the ordered sequence obtained by combining the data to be returned and the data to be returned, if the data to be returned is equal to the amount to be returned, the data to be returned corresponding to the amount to be returned and the data to be returned corresponding to the amount to be returned are taken as the reverse order pair, and the reverse order pair refers to the data to be returned and the data to be returned which are the same in amount.

The reverse order pair is data which utilizes the data retrieval resources to compare the corresponding return amount with the returned amount, and compared with the traditional historical repayment planning method obtained by calculation, the reverse order pair does not need to compare the corresponding return data with the returned data once in each period, avoids the load of the data retrieval resources from being increased by multiple comparison, greatly and reasonably utilizes the data retrieval resources, and further improves the data retrieval efficiency.

In one embodiment, the above step S102 includes steps S201-S202:

s201, judging whether the refund amount and the refund data which are equal to the refund amount exist or not.

In specific implementation, whether the refund data and the returned data with the same amount exist or not is judged, and if the refund data and the returned data with the same amount exist, the refund data and the returned data with the same amount are used as the reverse order pair.

In one embodiment, the above step S201 includes steps S301-S302:

s301, if the refund data and the refund data which are equal to the refund amount do not exist, judging whether the maximum amount of the refund data is larger than the maximum amount of the refund data.

In the implementation, the maximum amount of the data to be returned refers to the amount corresponding to the maximum date of the data to be returned in the current date, and if the maximum amount of the data to be returned is not greater than the maximum amount of the data to be returned, the borrower is judged to have paid in advance, namely, overdue data does not exist.

In one embodiment, the above step S301 includes steps S401-S402:

s401, judging whether the maximum date of the data to be returned is larger than a preset date or not;

and S402, if the maximum date of the data to be returned is larger than the preset date, judging that the maximum amount of the data to be returned is larger than the maximum amount of the data to be returned.

In a specific implementation, the maximum date of the refund data refers to the maximum date of the refund data in the current date, and the preset date is usually set to be the date corresponding to the date when the method is executed, and it should be noted that the technology of automatically acquiring the date corresponding to the execution method can be determined by referring to the existing data, if the maximum date of the refund data is greater than or equal to the preset date, it is determined that the current date does not reach the refund term, that is, the borrower does not have overdue data.

S302, if the maximum amount of the data to be returned is greater than the maximum amount of the data to be returned, the overdue will exist as the overdue result.

In a specific implementation, if the maximum amount of the refund data is greater than the maximum amount of the refund data, it is determined that the borrower has not refunded enough amount within the refund date, that is, the borrower has overdue data.

S202, if the refund data and the refund data which are equal to the refund amount exist, the refund data corresponding to the refund amount and the refund data corresponding to the refund amount are used as the reverse order pair.

In particular, according to the refund data and the refund data, i.e. the reverse order pair, the refund amount is equal to the refund amount, typically, the reverse order pair is a part of the data of the number sequence ordered from the small to the large according to the date, if the reverse order pair is ordered as "refund data-refund data", understandably, the loan of the period is refund after the refund date, i.e. the period generates the overdue; if the reverse order pair is ordered as "returned data-returned data," it will be appreciated that the loan of the installment time has been cleared before the return date, i.e., the installment time has not produced an overdue. Whether the borrower has overdue data or not is judged rapidly, the retrieval instruction is simple, and the computer executes the instruction and has the effects of high efficiency and good compatibility.

S103, determining overdue results according to the reverse order pairs.

In the specific implementation, whether the loan is overdue can be rapidly judged through the corresponding returned data and the returned data of the reverse order pair, the computer can be still ensured to efficiently search and obtain the reverse order pair in a scene with large data volume, the requirement on the computing capacity of the computer for searching the data is reduced, and a better real-time effect is realized.

In one embodiment, the above step S102 includes steps S501-S503:

s501, acquiring the date of the corresponding returned data and the date of the returned data of the reverse order.

In a specific implementation, the date of the returned data in the reverse order pair refers to a returned date integer corresponding to the returned data in the reverse order pair, and the date of the returned data in the reverse order pair refers to a returned date integer corresponding to the returned data in the reverse order pair.

S502, judging whether the date of the data to be returned is smaller than the date of the data already returned.

S503, if the date of the data to be returned is smaller than the date of the data already returned, overdue exists as the overdue result.

In the implementation, whether the integer of the due date in the reverse order pair is smaller than the integer of the due date is judged, if the integer of the due date in the reverse order pair is smaller than the integer of the due date, the borrower is judged not to finish the repayment within the due date, namely, overdue data exists in the borrower.

In one embodiment, the overdue result includes a current overdue indicator and a historical overdue indicator.

The current overdue index includes a current overdue number, all overdue numbers, a current overdue principal, a current overdue start date, a current overdue days, and the like.

The historical overdue indexes comprise accumulated DPD days, historical maximum DPD days, accumulated overdue number, historical single longest overdue number, accumulated overdue principal, historical maximum overdue principal and the like.

The current overdue index and the historical overdue index can be obtained by calculating the returned data and the returned data obtained through retrieval.

In one embodiment, the method for searching the overdue loan data may be performed by one or more computer devices selected from a preset software program, an application program, and a server. The preset storage unit stores the data to be returned and the returned data, and the computer equipment can acquire the data to be returned and the returned data from the storage unit. The following provides a period 6 repayment schedule in which the borrower takes a period 2023, 05, 10 and a borrowing amount of 6000 yuan as an example:

the data to be returned are shown in the following table 1, wherein the format of the date to be returned is year-month-day, the integer of the date to be returned is the number of days calculated from 1 st of 2000, and the integer of the amount is represented by an integer (in units of minutes) obtained by expanding the amount by 100 times. :

number of period	The date of addition	Integer of the addition date	Integer of amount to be returned
				1	2023-06-10	8562	100000
2	2023-07-10	8592	100000
				3	2023-08-10	8623	100000
4	2023-09-10	8654	100000
				5	2023-10-10	8684	100000
6	2023-11-10	8715	100000

TABLE 1

Assuming that the first-stage payment is made 100.00 yuan for 18 days of 7 months of 2023, 300.00 yuan for 25 days of 7 months of 2023, 600.00 yuan for 27 days of 7 months of 2023, and 500.00 yuan for 28 days of 7 months of 2023, the following is actual payment information of the period, that is, the actual payment information is the returned data, as shown in table 2 below, wherein the format of the due date and the actual payment date is year-month-day, the due date integer and the actual payment date integer are all days calculated from 1 month 1 day of 2000, and the amount integer is expressed in units of integers.

Number of period	Actual payoff date	Integer of actual repayment date	Integer of actual payoff amount
				1	2023-07-18	8600	10000
1	2023-07-25	8607	30000
				1	2023-07-27	8609	60000
2	2023-07-28	8610	50000

TABLE 2

Step S101 is executed by a preset program, and the obtained refund data and the refund data are combined, and refund amount data (S1): 100000 (total amount to be returned in stage 1), 200000 (total amount to be returned in stages 1 to 2). Actual return amount data (noted s 2): 10000 (total amount of payouts on day 1), 40000 (total amount of payouts on day 2), 100000 (total amount of payouts on day 3), 150000 (total amount of payouts on day 4). Then, s1 and s2 are combined into a series, the series are ordered from small to large according to the gold amount, the amounts are the same, and the series are ordered from small to large according to the date, and finally an ordered series { (10000, 8600) }, { (40000, 8607) }, { (100000, 8562) }, { (100000, 8609) }, { (150000, 8610) }, { (200000, 8592) } is recorded as s, and the detailed procedure can be referred to as shown in the following tables 3 to 5:

TABLE 3 Table 3

Typically, the resulting table 3 is ranked, resulting in ranked data as shown in table 4 below:

TABLE 4 Table 4

Typically, the date of table 4 of the ordered data is also converted to the converted data as shown in table 5 below:

TABLE 5

Taking the obtained table 5 as the series obtained in step S101, it is understood that the data in columns 3 and 6 of table 5 are refund data, and the data in row 3 of refund data is refund amount of refund data; the data of lines 1, 2, 4 and 5 of table 5 are returned data, and the data of line 3 of the returned data is the returned amount of the returned data. The obtained data of table 5 is used to execute step S102.

Step S102 is executed by a preset program to obtain the refund data and the refund data, in which the refund amount is the same as the refund amount, and the obtained reverse order data are shown in the following table 6:

TABLE 6

By executing the preset program to step S103, it is understood that the reverse order pair is ranked as "return data-returned data", that is, the loan of the time is cleared after the return date, the generated one-time overdue is determined, the overdue time is the 1 st time corresponding to the return data of the reverse order pair, and the overdue information of a certain period can be rapidly determined by the reverse order pair. The method avoids the defect that the traditional mode needs to restore the historical repayment information step by step according to the comparison of each period, and improves the calculation efficiency and accuracy.

The embodiment of the invention can realize the following advantages:

Referring to fig. 2, the embodiment of the present invention further provides a device 600 for searching for overdue loan data, where the device for searching for overdue loan data includes an obtaining unit 601, a first determining unit 602, and a second determining unit 603.

An obtaining unit 601, configured to obtain resumption data and resumption data, and combine the resumption data and the resumption data to obtain a sequence, where the sequence includes a resumption amount of the resumption data and a resumption amount of the resumption data.

In an embodiment, the acquiring the returned data and the returned data, and combining the returned data and the returned data to obtain a number sequence includes:

and arranging the returned data and the returned data according to the amount of money from small to large, and taking the arranged data as the number sequence.

A first determining unit 602, configured to determine an inverse pair of the series according to the refund amount and the refund amount.

In an embodiment, the determining the reverse order pair of the series according to the refund amount and the refund amount comprises:

judging whether the refund data with the refund amount equal to the refund amount exist or not;

if the refund data and the refund data which are equal to the refund amount exist, the refund data corresponding to the refund amount and the refund data corresponding to the refund amount are used as the reverse order pair.

In an embodiment, the determining whether there is the refund data and the refund data that are equal to the refund amount further includes:

if the refund data and the refund data which are equal to the refund amount do not exist, judging whether the maximum amount of the refund data is larger than the maximum amount of the refund data;

if the maximum amount of the returned data is greater than the maximum amount of the returned data, a timeout exists as the timeout result.

In an embodiment, the determining whether the maximum amount of the refund data is greater than the maximum amount of the refund data includes:

judging whether the maximum date of the data to be returned is larger than a preset date or not;

and if the maximum date of the data to be returned is larger than the preset date, judging that the maximum amount of the data to be returned is larger than the maximum amount of the data to be returned.

A second determining unit 603 for determining a overdue result according to the reverse order pair.

In an embodiment, the determining the overdue result according to the reverse order pair includes:

acquiring the date of the corresponding returned data of the reverse order pair and the date of the returned data;

judging whether the date of the data to be returned is smaller than the date of the data already returned or not;

if the date of the due data is less than the date of the returned data, there will be an overdue as the overdue result.

As shown in fig. 3, fig. 3 is a schematic block diagram of a computer device provided in an embodiment of the present application. The computer device 500 may be a terminal or a server, where the terminal may be an electronic device with a communication function, such as a smart phone, a tablet computer, a notebook computer, a desktop computer, a personal digital assistant, and a wearable device. The server may be an independent server or a server cluster formed by a plurality of servers.

The computer device 500 includes a processor 502, a memory, and a network interface 505, connected by a system bus 501, where the memory may include a non-volatile storage medium 503 and an internal memory 504.

The non-volatile storage medium 503 may store an operating system 5031 and a computer program 5032. The computer program 5032, when executed, causes the processor 502 to perform a method of searching for loan expiration data.

The processor 502 is used to provide computing and control capabilities to support the operation of the overall computer device 500.

The internal memory 504 provides an environment for the execution of a computer program 5032 in the non-volatile storage medium 503, which computer program 5032, when executed by the processor 502, causes the processor 502 to perform a method of searching for loan expiration data.

The network interface 505 is used for network communication with other devices. It will be appreciated by those skilled in the art that the foregoing structures, which are merely block diagrams of portions of structures related to the present application, are not limiting of the computer device 500 to which the present application may be applied, and that a particular computer device 500 may include more or fewer components than shown, or may combine certain components, or have a different arrangement of components.

It should be appreciated that in embodiments of the present application, the processor 502 may be a central processing unit (Central Processing Unit, CPU), the processor 502 may also be other general purpose processors, digital signal processors (Digital Signal Processor, DSPs), application specific integrated circuits (Application Specific Integrated Circuit, ASICs), off-the-shelf programmable gate arrays (Field-Programmable Gate Array, FPGAs) or other programmable logic devices, discrete gate or transistor logic devices, discrete hardware components, or the like. Wherein the general purpose processor may be a microprocessor or the processor may be any conventional processor or the like.

Those skilled in the art will appreciate that all or part of the flow in a method embodying the above described embodiments may be accomplished by computer programs instructing the relevant hardware. The computer program may be stored in a storage medium that is a computer readable storage medium. The computer program is executed by at least one processor in the computer system to implement the flow steps of the embodiments of the method described above.

Accordingly, the present invention also provides a storage medium. The storage medium may be a computer readable storage medium. The storage medium stores a computer program.

The storage medium is a physical, non-transitory storage medium, and may be, for example, a U-disk, a removable hard disk, a Read-Only Memory (ROM), a magnetic disk, or an optical disk. The computer readable storage medium may be nonvolatile or may be volatile.

Those of ordinary skill in the art will appreciate that the elements and algorithm steps described in connection with the embodiments disclosed herein may be embodied in electronic hardware, in computer software, or in a combination of the two, and that the elements and steps of the examples have been generally described in terms of function in the foregoing description to clearly illustrate the interchangeability of hardware and software. Whether such functionality is implemented as hardware or software depends upon the particular application and design constraints imposed on the solution. Skilled artisans may implement the described functionality in varying ways for each particular application, but such implementation decisions should not be interpreted as causing a departure from the scope of the present invention.

In the several embodiments provided by the present invention, it should be understood that the disclosed apparatus and method may be implemented in other manners. For example, the device embodiments described above are merely illustrative. For example, the division of each unit is only one logic function division, and there may be another division manner in actual implementation. For example, multiple units or components may be combined or may be integrated into another system, or some features may be omitted, or not performed.

The steps in the method of the embodiment of the invention can be sequentially adjusted, combined and deleted according to actual needs. The units in the device of the embodiment of the invention can be combined, divided and deleted according to actual needs. In addition, each functional unit in the embodiments of the present invention may be integrated in one processing unit, or each unit may exist alone physically, or two or more units may be integrated in one unit.

The integrated unit may be stored in a storage medium if implemented in the form of a software functional unit and sold or used as a stand-alone product. Based on such understanding, the technical solution of the present invention is essentially or a part contributing to the prior art, or all or part of the technical solution may be embodied in the form of a software product stored in a storage medium, comprising several instructions for causing a computer device (which may be a personal computer, a terminal, a network device, etc.) to perform all or part of the steps of the method according to the embodiments of the present invention.

In the foregoing embodiments, the descriptions of the embodiments are focused on, and for those portions of one embodiment that are not described in detail, reference may be made to the related descriptions of other embodiments.

It will be apparent to those skilled in the art that various modifications and variations can be made to the present invention without departing from the spirit or scope of the invention. Thus, it is intended that the present invention also include such modifications and alterations insofar as they come within the scope of the appended claims or the equivalents thereof.

While the invention has been described with reference to certain preferred embodiments, it will be understood by those skilled in the art that various changes and substitutions of equivalents may be made and equivalents will be apparent to those skilled in the art without departing from the scope of the invention. Therefore, the protection scope of the invention is subject to the protection scope of the claims.

Claims

1. A method of searching for overdue data of a loan, the method comprising:

and determining overdue results according to the reverse order pairs.

2. The method of claim 1, wherein the obtaining the refund data and the refund data, and combining the refund data and the refund data to obtain a series of numbers, comprises:

3. The method of claim 1, wherein said determining the reverse order pair of the series from the refund amount and the refund amount comprises:

4. The method of claim 1, wherein said determining the overdue result from the reverse order pair comprises:

5. The method of claim 3, wherein said determining if there is refund data and refund data for which said refund amount is equal to said refund amount further comprises, after:

6. The method of claim 5, wherein said determining whether the maximum amount of the refundable data is greater than the maximum amount of the refundable data comprises:

7. The method of claim 1, wherein the expiration result comprises a current expiration indicator and a historical expiration indicator.

8. A device for searching for loan expiration data, comprising means for performing the method of any one of claims 1-7.

9. The computer equipment is characterized by comprising a processor, a communication interface, a memory and a communication bus, wherein the processor, the communication interface and the memory are communicated with each other through the communication bus;

a memory for storing a computer program;

a processor for implementing the steps of the method of any one of claims 1-7 when executing a program stored on a memory.

10. A computer readable storage medium, on which a computer program is stored, characterized in that the computer program, when being executed by a processor, implements the steps of the method according to any of claims 1-7.