CN117350867A - Management system based on credit guarantee risk - Google Patents
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Abstract
The application provides a credit guarantee risk-based management system, which comprises: the channel management module is used for responding to the business requirement of the user to acquire corresponding channel information, wherein the channel information comprises channel types and channel names; the business gateway module is used for carrying out protocol conversion on the channel information to generate a target file; the service routing module is used for determining a corresponding service type according to the target file, wherein the service type comprises underwriting, claim settlement, wind control and storage; the data acquisition module is used for generating a scheduling task according to the service type and acquiring target data from an external system through the scheduling task. The code redundancy is reduced, the code multiplexing and maintainability are improved, the dependency relationship among objects is reasonably managed, the modular development according to the dimension of the product is facilitated, and the code coupling degree is reduced; the development cost and the maintenance cost are reduced.
Description
Technical Field
The application relates to the field of data management, in particular to a credit guarantee risk-based management system.
Background
Credit assurance insurance refers to an insurance that a right person applies credit risks of a debtor to an insurer, and is an insurance product for risk management for an enterprise. The main function of the system is to ensure the security of accounts receivable of enterprises. The principle is that the guarantee responsibility of the debtor is transferred to the insurer, and the insurer bears the compensation responsibility when the debtor cannot fulfill the obligation.
The cooperators such as Weixin Jin Ke, instant gold elimination, stage music and the like have a unique big data risk assessment system, and a brand new stage shopping consumption mode is provided for users at the earliest; meanwhile, the method opens staged shopping for tens of bank credit card holding users such as business banks, recruiter banks and the like, and serves the most growing credit consumer group in China. The cooperation enterprises such as Weixin Jin Ke, instant gold elimination and stage music serve as domestic head consumption financial main institutions, have a strong wind control data model and massive guest groups, and by cooperation with the powerful wind control data model, the risk is relatively controllable, company business cards can be created, a wider cooperation space is provided in the business field, and the projects have stable benefit contribution through analysis, so that the strategy targets of the company scientific and technological type insurance company are met.
The current credit insurance system is extremely dependent on banks and channel parties, and has longer development flow and higher development cost when the banks and the channel parties are newly added due to the difference of the large banks. The credit insurance system is more in butt joint with banks, different in treatment scheme of each bank and higher in maintenance cost.
Disclosure of Invention
In view of the problems, the present application has been made to provide a credit guarantee risk-based management system that overcomes the problems or at least partially solves the problems, including:
a credit guarantee risk based management system, the system comprising:
the channel management module is used for responding to the business requirement of the user to acquire corresponding channel information, wherein the channel information comprises channel types and channel names;
the business gateway module is used for carrying out protocol conversion on the channel information to generate a target file;
the service routing module is used for determining a corresponding service type according to the target file, wherein the service type comprises underwriting, claim settlement, wind control and storage;
the data acquisition module is used for generating a scheduling task according to the service type and acquiring target data from an external system through the scheduling task.
Further, the channel types include funding institutions and asset coordination institutions.
Further, the service gateway module comprises a decryption and signature verification unit, a conversion unit and a transmission protocol unit;
the transmission protocol unit is used for receiving the channel information and sending the channel information to the conversion unit;
the conversion unit is used for carrying out message protocol conversion on the channel information to generate an encrypted file with a specific format, and sending the encrypted file to the decryption and signature verification unit;
the decryption checking unit is used for receiving the encrypted file, decrypting the encrypted file and verifying the signature, and generating the target file after the decryption and the signature verification are completed.
Further, the business routing module comprises a loan unit, a paying unit, a repayment unit, a compensation repayment unit, a claim settlement unit and a settlement unit;
the loan unit is used for generating loan applications corresponding to various channels according to the target file;
the paying unit is used for generating paying applications corresponding to all channels according to the target file;
the repayment unit is used for generating repayment applications corresponding to all channels according to the target file;
the compensation repayment unit is used for generating compensation repayment corresponding to each channel according to the target file;
the claim settlement unit is used for performing claim settlement application, claim checking, claim payment, compensation and case settlement processing according to the target file;
the clearing unit is used for managing the repayment condition of the borrower and calculating the belt clearing amount of the borrower.
Further, the business routing module further comprises a project asset management unit;
the project asset management unit is used for managing the amount of all assets of each channel, wherein all the assets comprise one or more of images, claims, feed data and insurance policies.
Further, the service routing module further comprises a co-protection service management unit;
the co-insurance business management unit is used for generating the scheduling task according to business data, service charge and bill charge of the co-insurance business, and acquiring policy information, claim settlement information and compensation information through the scheduling task.
Further, the service routing module further comprises a project data statistics unit;
the project data statistics unit is used for counting the production states and the production quantity of each project application through a chart, counting the overdue condition and the first overdue quantity of each case, counting the daily underwriting quantity, the paying balance and the cost, and counting the total paying, the total overdue and the total account age.
Further, the service routing module further comprises the underwriting unit, the wind control unit and the file management unit;
the underwriting unit is used for carrying out application, verification, premium payment, policy issuing and refund processing according to the target file;
the wind control unit is used for carrying out big data wind control judgment and expert wind control judgment according to the target file;
the file management unit is used for storing the OSS file.
Further, the service routing module further comprises a background management unit;
the background management unit comprises a policy management subunit, a target management subunit, a product management subunit, a business rule subunit, an organization management subunit and a permission management subunit;
the policy management subunit is used for counting and inquiring policy information of the successful user;
the product management subunit is used for determining pricing, positioning strategies and life cycles of products;
the business rule subunit is used for defining execution logic of business rules, and the execution logic comprises condition judgment, calculation logic and rule execution sequence;
the mechanism management subunit is used for ensuring the user information of the insurance enterprise through a preset time task, and periodically inquiring the public opinion information of the enterprise, the information of the trusted executor and the change statistics of the enterprise information;
the authority management subunit is used for controlling and managing the authority of each role and user in the system.
Further, the service routing module further comprises a credit inquiry management unit;
the credit inquiry management unit is used for inquiring record retention and data display of credit information.
The application has the following advantages:
in the embodiment of the application, compared with the development process in the prior art, the development process is longer, and the development cost is higher. The credit guarantee insurance system is more in butt joint with banks, each bank has different processing schemes and higher maintenance cost, and the application provides a solution of a credit guarantee insurance-based management system, which is specifically as follows: the channel management module is used for responding to the business requirement of the user to acquire corresponding channel information, wherein the channel information comprises channel types and channel names; the business gateway module is used for carrying out protocol conversion on the channel information to generate a target file; the service routing module is used for determining a corresponding service type according to the target file, wherein the service type comprises underwriting, claim settlement, wind control and storage; the data acquisition module is used for generating a scheduling task according to the service type and acquiring target data from an external system through the scheduling task. The channel management module, the service gateway module, the service routing module and the data acquisition module solve the problems of longer development flow and higher development cost. The credit insurance system is more in butt joint with banks, each bank has different processing schemes and high maintenance cost, so that the problems of reducing code redundancy, improving code multiplexing and maintainability, reasonably managing the dependency relationship among objects, facilitating modular development according to product dimension and reducing code coupling degree are solved; reducing development cost and maintenance cost ".
Drawings
In order to more clearly illustrate the technical solutions of the present application, the drawings that are needed in the description of the present application will be briefly described below, it being obvious that the drawings in the following description are only some embodiments of the present application, and that other drawings may be obtained according to these drawings without inventive effort to a person skilled in the art.
FIG. 1 is a block diagram of a credit guarantee risk-based management system according to an embodiment of the present application;
FIG. 2 is a logic flow diagram of a credit guarantee risk-based management system according to an embodiment of the present application;
fig. 3 is a frame diagram of a credit guarantee risk-based management system according to an embodiment of the present application.
Detailed Description
In order to make the objects, features and advantages of the present application more comprehensible, the present application is described in further detail below with reference to the accompanying drawings and detailed description. It will be apparent that the embodiments described are some, but not all, of the embodiments of the present application. All other embodiments, which can be made by one of ordinary skill in the art based on the embodiments herein without making any inventive effort, are intended to be within the scope of the present application.
The inventors found by analyzing the prior art that: the system is extremely dependent on banks and channel parties, and the development flow is longer and the cost is higher when the banks and the channel parties are newly added because of the difference of the large banks; the system is more in butt joint banks, the processing scheme of each bank is different, and the maintenance cost is higher; the current system cannot support the deployment of multiple instances, the system is filled with a large number of original @ Scheduled timing tasks carried by the springboot, the mode cannot support the simultaneous deployment of multiple machines, and data conflict can be generated.
1-3, a block diagram, a logic flow, and a framework diagram of a credit assurance risk-based management system provided by an embodiment of the present application are shown;
a credit guarantee risk based management system, the system comprising:
the channel management module 110 is configured to obtain corresponding channel information in response to a service requirement of a user, where the channel information includes a channel type and a channel name;
the service gateway module 120 is configured to perform protocol conversion on the channel information to generate a target file;
the service routing module 130 is configured to determine a corresponding service type according to the target file, where the service type includes underwriting, claim settlement, wind control and storage;
the data acquisition module 140 is configured to generate a scheduling task according to the service type, and acquire target data in an external system through the scheduling task.
In the embodiment of the application, compared with the development process in the prior art, the development process is longer, and the development cost is higher. The credit guarantee insurance system is more in butt joint with banks, each bank has different processing schemes and higher maintenance cost, and the application provides a solution of a credit guarantee insurance-based management system, which is specifically as follows: the channel management module is used for responding to the business requirement of the user to acquire corresponding channel information, wherein the channel information comprises channel types and channel names; the business gateway module is used for carrying out protocol conversion on the channel information to generate a target file; the service routing module is used for determining a corresponding service type according to the target file, wherein the service type comprises underwriting, claim settlement, wind control and storage; the data acquisition module is used for generating a scheduling task according to the service type and acquiring target data from an external system through the scheduling task. The channel management module, the service gateway module, the service routing module and the data acquisition module solve the problems of longer development flow and higher development cost. The credit insurance system is more in butt joint with banks, each bank has different processing schemes and high maintenance cost, so that the problems of reducing code redundancy, improving code multiplexing and maintainability, reasonably managing the dependency relationship among objects, facilitating modular development according to product dimension and reducing code coupling degree are solved; reducing development cost and maintenance cost ".
Next, a credit guarantee risk-based management system in the present exemplary embodiment will be further described.
In one embodiment of the invention, the project is entirely comprised of two parts, the front end and the back end of the PC. The front-end technology uses vue front-end streaming framework, the client is displayed on the non-vehicle core PC end after being underwriting, and the background management end is displayed on the credit PC end. The backend technology adopts SpringBoot, myBatis and custom IOC containers, and a tomcat container is internally configured, so that project deployment is simplified; automatic configuration based on Apollo and automatic management of timed tasks of xxl-job; the data storage uses mysql distributed relational database to support the separation of database and table, read-write separation.
In an embodiment of the invention, a front end of a management system based on credit guarantee risk is built by using Vue, a background is a springboot micro-service architecture, a deployment mode with separated front and rear ends is used, and the front and rear end systems are deployed under a company virtual machine. The background mainly uses technologies such as java8, mybatis, mysql, apollo, xxl-job, custom ioc containers and the like to ensure the integrity of functions. A credit insurance-based management system adopts a full-automatic process docking mode, receives customer information pushed by a channel in real time, pushes a bank to conduct loan credit after the customer information is subjected to wind control verification, continuously initiates a payment and a payment after the credit is completed, and generates a customer repayment plan if the payment is successful, and the customer receives a bank payment. And after the repayment day, the customers can repay in advance, pay on schedule and the like. And simultaneously, a loan contract is signed with a bank to transmit client image data and the like. The credit and insurance business can inquire the daily newly added payment information, daily credit and balance information, daily claim settlement information, compensation information, account age data information and the like through the management platform. And the data may be extracted by the export function.
In one embodiment, the IOC container is custom: the trust system re-defines handlemapping according to the product code as a key by inheriting the Involution handler and rewriting the invoke method, and the trust system directly obtains object information according to the product code when in subsequent use, thereby achieving the self-defined IOC container. Through the self-defining IOC container, more flexible control inversion and dependency injection can be realized; the dependency relationship among different objects can be managed and injected, and the maintainability and expandability of codes are improved; different dependency injection modes, such as constructor injection, attribute injection and the like, can be supported, so that a programmer can realize dependency injection more flexibly, and the testability and reusability of an application program are improved; the lifecycle of different objects can be managed, such as the creation, destruction and the like of the objects, so that the running state of the application program can be controlled more finely;
in a specific implementation, more flexibility in controlling inversion and dependent injection may be achieved. The dependency relationship among different objects can be managed and injected, and maintainability and expandability of codes are improved. Different dependency injection modes, such as constructor injection, attribute injection and the like, can be supported, so that a programmer can realize dependency injection more flexibly, and the testability and reusability of an application program are improved. The lifecycle of different objects can be managed, such as creation, destruction, etc., of the objects, so that the running state of the application program can be controlled more finely.
The specific implementation flow is as follows:
1. the method post Process Bean Definition Registry is realized by realizing Bean Definition Registry Post Processor interfaces through custom classes Handler Factory Scanner Configurer to scan specific packages, so that the aim of loading items into the system is fulfilled.
2. The specific package is scanned by rewriting its submethod doScan through custom class HandlerFactoyScanner inheritance Class Path Bean Definition Scanner, submethod
isCandidateComponent, checkCandidate, registerFilters redefines that its logic implements a particular class for scan loading into the springIOC container.
3. The method is characterized in that a Factory Bean < T > interface is realized through a custom class Handler Factory Factory Bean < T >, then a method getObject is realized, a specific instance name of each object is obtained and loaded into a container, a custom proxy Factory class Handler Factory Proxy is used for realizing Invocation Handler interfaces, a method invoke is realized, an invoke method is modified, names of corresponding classes in the container during class initialization are increased, the purpose of product coding configuration hander Mapping is achieved, and therefore the purpose of customizing an IOC container is achieved.
4. Each class which needs to be customized into the IOC container carries out product coding and channel configuration of the respective class for realizing the key generators, so that different product codes configured by each class are distinguished, and the unconfigured class cannot be loaded and used.
5. In specific use, during the project starting process, default annotation containing springIOC container is loaded
The @ Component, @ RestController, @ Service and the like are added to the corresponding classes and are named through the configured product codes in the loading process, and the purpose of customizing the IOC container is achieved, so that the dependency relationship among different objects is managed and injected, and the maintainability and the expandability of codes are improved.
In a specific embodiment, xxl-job timed task automation management: XXL-Job is a distributed task scheduling platform that aims to solve the problem of timed task scheduling in a distributed environment. The method adopts an advanced slicing algorithm and a task routing strategy, and can easily realize a series of functions such as task distribution, scheduling, execution, monitoring, alarm, log and the like. XXL-Job has the advantages of simplicity, easiness in use, high reliability, high expandability, high performance and the like. It supports multiple task types: bean (Java) task, shell task, CMD task, python task, etc. can be matched with various technologies to realize task management and scheduling. XXL-Job also provides 7 x 24 hours online monitoring and alarm service, supporting mail, SMS and other various alarm modes. Xxl-job registers all xxl-job Executor nodes to a center through an Apollo configuration center, and then xxl-job Admin acquires an available Executor node list through the registration center and distributes tasks to corresponding Executor nodes when scheduling tasks, so that multiple machine distributed scheduling tasks are realized.
In a specific implementation, xxl-job registers all xxl-job Executor nodes to a center through an Apollo configuration center, and then xxl-job Admin acquires an available Executor node list through the registration center when scheduling tasks, and distributes the tasks to corresponding Executor nodes, so as to realize distributed scheduling tasks of multiple machines. The processing efficiency of the timing task of the system is improved through xxl-job, the execution state of the timing task is reasonably managed, and the timing task is dynamically suspended or started;
the specific implementation flow is as follows:
1. the purpose of managing the system and the xxl-job distributed timing task platform is achieved through code configuration xxljob configuration files.
2. The system timing task realizes the IJobHandler interface and the method execution achieves the purpose of timing processing of the required specific task.
Xxl-job page management: and a special system executor for the corresponding credit guarantee insurance is newly added, so that the two-side binding effect is achieved.
4. Newly adding corresponding task items: jobHandler corresponds to code one-to-one.
5. The method can perform operations such as executing, deleting, editing, checking logs, deleting and the like on the task.
In one embodiment of the invention, the channel types include funding institutions and asset coordination institutions; in one embodiment, the funding institution includes banks, trusts, and small loan companies; the asset affiliates include hundred degrees, samoyer, and silver flash.
In an embodiment of the present invention, the service gateway module includes a decryption and signature verification unit, a conversion unit and a transmission protocol unit; the transmission protocol unit is used for receiving the channel information and sending the channel information to the conversion unit; the conversion unit is used for carrying out message protocol conversion on the channel information to generate an encrypted file with a specific format, and sending the encrypted file to the decryption and signature verification unit; the decryption signing verification unit is used for receiving the encrypted file, decrypting the encrypted file and verifying the signature, and generating the target file after the decryption and the signature verification are completed; in a specific embodiment, the decryption and signature verification unit is used for realizing decryption and signature verification, the conversion unit is used for message protocol conversion, and the transmission protocol unit, namely, FTP, is used for file uploading and file downloading.
In one embodiment of the present invention, the service routing module includes a loan unit, a pay-out unit, a repayment unit, a claim settlement unit, and a settlement unit; the loan unit is used for generating loan applications corresponding to various channels according to the target file; the paying unit is used for generating paying applications corresponding to all channels according to the target file; the repayment unit is used for generating repayment applications corresponding to all channels according to the target file; the compensation repayment unit is used for generating compensation repayment corresponding to each channel according to the target file; the claim settlement unit is used for performing claim settlement application, claim checking, claim payment, compensation and case settlement processing according to the target file; the clearing unit is used for managing the repayment condition of the borrower and calculating the clearing amount of the borrower; in a specific embodiment, a plurality of different channels can realize loan application through a loan unit, and realize loan application through a loan unit; the clearing unit is used for managing the repayment condition of the borrower and calculating the amount required to be cleared by the borrower. And repayment calculation, repayment record, repayment notification and the like are performed, so that the efficiency and accuracy of loan management are improved.
In an embodiment of the present invention, the service routing module further includes a project asset management unit; the project asset management unit is used for managing the amount of all assets of each channel, wherein all the assets comprise one or more of images, claims, feed data and insurance policies; in one embodiment, all assets except co-insurance business including images, claims, feed data, insurance policy, etc. may be processed; the amount of money paid by each channel can be managed and controlled in real time through the amount management page, so that daily excess money paid is avoided.
In an embodiment of the present invention, the service routing module further includes a co-protection service management unit; the co-insurance business management unit is used for generating the scheduling task according to business data, service charge and bill charge of the co-insurance business, and acquiring policy information, claim settlement information and compensation information through the scheduling task; in one embodiment, co-insurance business data is managed, and each basic service fee and each bill fee are recorded in a month; inquiring corresponding policy, claim settlement and compensation data.
In an embodiment of the present invention, the service routing module further includes a project data statistics unit; the project data statistics unit is used for counting the production states and the production quantity of each project application through a chart, counting the overdue condition and the first overdue quantity of each case, counting the daily underwriting quantity, the paying balance and the cost, and counting the total paying, the total overdue and the total account age; in one embodiment, the daily individual project application generation status, pen number, is described by a graph; counting overdue conditions of each case, counting the number of overdue first-time notes, counting vintage views, and counting related details of daily underwriting, paying balance and expense; and (5) integral paying, overdue and account age statistics.
In an embodiment of the present invention, the service routing module further includes the underwriting unit, an air control unit, and a file management unit; the underwriting unit is used for carrying out application, verification, premium payment, policy issuing and refund processing according to the target file; the wind control unit is used for carrying out big data wind control judgment and expert wind control judgment according to the target file; the file management unit is used for storing an OSS file; in a specific embodiment, the OSS file OpenStorageService (OSS) is a cloud storage service with mass, safety, low cost and high reliability provided by the ali cloud, and can be used for a user to upload and download data at any time, so that the method is convenient and quick.
In an embodiment of the present invention, the service routing module further includes a background management unit; the background management unit comprises a policy management subunit, a target management subunit, a product management subunit, a business rule subunit, an organization management subunit and a permission management subunit; the policy management subunit is used for counting and inquiring policy information of the successful user; the product management subunit is used for determining pricing, positioning strategies and life cycles of products; the business rule subunit is used for defining execution logic of business rules, and the execution logic comprises condition judgment, calculation logic and rule execution sequence; the mechanism management subunit is used for ensuring the user information of the insurance enterprise through a preset time task, and periodically inquiring the public opinion information of the enterprise, the information of the trusted executor and the change statistics of the enterprise information; the authority management subunit is used for controlling and managing the authority of each role and user in the system; in a specific embodiment, the policy management subunit is configured to count and query policy information generated by a successful user who pays money; inspecting and evaluating the policy application data, judging whether the policy application data meets the underwriting conditions, and determining whether to accept the policy; and receiving the warranty meeting the conditions and issuing the warranty, thereby ensuring the validity and compliance of the warranty. The product management subunit is used for determining the functions and characteristics of the product, assisting in making pricing and positioning strategies of the product and tracking the life cycle of the product. The business rule sub-unit is used for defining concrete details and execution logic of the business rule, can comprise condition judgment, calculation logic and rule execution sequence, can realize reusability, expandability and maintainability of the rule, can better understand and organize the business logic, and can realize flexibility and configurability of a realization system. The mechanism management subunit is used for ensuring user information of insurance enterprises through a preset time task, and inquiring public opinion information of the enterprises, information of the trusted executives and change statistics of the enterprise information at regular time. The authority management subunit is used for realizing authority control and management of different roles and users in the system; it can set different roles and the operation and access resources that the user can perform to ensure the security of the system and the confidentiality of the data.
In an embodiment of the present invention, the service routing module further includes a credit inquiry management unit; the credit inquiry management unit is used for inquiring record retention and data display of credit information; in a specific embodiment, the record of the credit information is manually inquired through a system for storage and data display; the authority users of the inquiry credit can be configured, the inquiry credit is subjected to flow approval, and the client credit data can be checked after the inquiry credit passes.
Example 1
After the user registers through the account number and the password, the user can access a management system based on credit guarantee insurance.
Information of various channels, premium, deposit, compensation, refund and the like is calculated through an asynchronous thread, so that the business can check the latest in-service condition in real time.
Project asset management unit: all assets except the co-insurance business can be subjected to image, claim settlement, piece-feeding data, insurance policy and the like. The amount of money paid by each channel can be managed and controlled in real time through the amount management page, so that daily excess money paid is avoided.
And the co-insurance service management unit: and managing the safe and general co-insurance business data, recording the per-unit basic service fee and issuing the unit fee in a month. Inquiring corresponding policy, claim settlement and compensation data.
Item data statistics unit: the daily individual project application generation status, pen number, is described by a graph. And counting the overdue condition of each case, counting the number of overdue first and the number of overdue first, and counting the vintage view. Daily underwriting, paying balance and cost related detailed statistics. And (5) integral paying, overdue and account age statistics.
Channel account management unit: the business can update premium data, repayment and the like of different channels in real time through pages; support export of data for business analysis.
Partner management unit: the user information of the corresponding insurance enterprises is automatically monitored and ensured through the timing tasks, the public opinion information of the enterprises and the information of the trusted executives are regularly inquired, the enterprise information is changed and counted, and the corresponding risks of each enterprise when the insurance is cast are managed and controlled.
Credit inquiry management unit: and manually inquiring record retention and data display of credit information through a system. The authority users of the inquiry credit can be configured, the inquiry credit is subjected to flow approval, and the client credit data can be checked after the inquiry credit passes.
Azkaban unit processes the bottom asset data regularly through the stored process mode, and the business is used for inquiring the latest system integral data every day.
In this specification, each embodiment is described in a progressive manner, and each embodiment is mainly described by differences from other embodiments, and identical and similar parts between the embodiments are all enough to be referred to each other.
While preferred embodiments of the present embodiments have been described, additional variations and modifications in those embodiments may occur to those skilled in the art once they learn of the basic inventive concepts. It is therefore intended that the following claims be interpreted as including the preferred embodiments and all such alterations and modifications as fall within the scope of the embodiments of the present application.
Finally, it is further noted that relational terms such as first and second, and the like are used solely to distinguish one entity or action from another entity or action without necessarily requiring or implying any actual such relationship or order between such entities or actions. Moreover, the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or terminal 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 terminal. 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 terminal device comprising the element.
The above description has been made in detail on a credit guarantee risk-based management system provided in the present application, and specific examples are applied herein to illustrate the principles and embodiments of the present application, where the above examples are only used to help understand the method and core ideas of the present application; meanwhile, as those skilled in the art will have modifications in the specific embodiments and application scope in accordance with the ideas of the present application, the present description should not be construed as limiting the present application in view of the above.
Claims (10)
1. A credit guarantee risk-based management system, the system comprising:
the channel management module is used for responding to the business requirement of the user to acquire corresponding channel information, wherein the channel information comprises channel types and channel names;
the business gateway module is used for carrying out protocol conversion on the channel information to generate a target file;
the service routing module is used for determining a corresponding service type according to the target file, wherein the service type comprises underwriting, claim settlement, wind control and storage;
the data acquisition module is used for generating a scheduling task according to the service type and acquiring target data from an external system through the scheduling task.
2. The system of claim 1, wherein the channel types include a funding institution and an asset co-operation institution.
3. The system of claim 1, wherein the service gateway module comprises a decryption and signing unit, a conversion unit and a transmission protocol unit;
the transmission protocol unit is used for receiving the channel information and sending the channel information to the conversion unit;
the conversion unit is used for carrying out message protocol conversion on the channel information to generate an encrypted file with a specific format, and sending the encrypted file to the decryption and signature verification unit;
the decryption checking unit is used for receiving the encrypted file, decrypting the encrypted file and verifying the signature, and generating the target file after the decryption and the signature verification are completed.
4. The system of claim 1, wherein the business routing module comprises a loan unit, a payoff unit, a repayment unit, a claim settlement unit, and a settlement unit;
the loan unit is used for generating loan applications corresponding to various channels according to the target file;
the paying unit is used for generating paying applications corresponding to all channels according to the target file;
the repayment unit is used for generating repayment applications corresponding to all channels according to the target file;
the compensation repayment unit is used for generating compensation repayment corresponding to each channel according to the target file;
the claim settlement unit is used for performing claim settlement application, claim checking, claim payment, compensation and case settlement processing according to the target file;
the clearing unit is used for managing the repayment condition of the borrower and calculating the belt clearing amount of the borrower.
5. The system of claim 1, wherein the traffic routing module further comprises a project asset management unit;
the project asset management unit is used for managing the amount of all assets of each channel, wherein all the assets comprise one or more of images, claims, feed data and insurance policies.
6. The system of claim 1, wherein the traffic routing module further comprises a co-protection traffic management unit;
the co-insurance business management unit is used for generating the scheduling task according to business data, service charge and bill charge of the co-insurance business, and acquiring policy information, claim settlement information and compensation information through the scheduling task.
7. The system of claim 1, wherein the traffic routing module further comprises a project data statistics unit;
the project data statistics unit is used for counting the production states and the production quantity of each project application through a chart, counting the overdue condition and the first overdue quantity of each case, counting the daily underwriting quantity, the paying balance and the cost, and counting the total paying, the total overdue and the total account age.
8. The system of claim 1, wherein the traffic routing module further comprises the underwriting unit, a wind control unit, and a file management unit;
the underwriting unit is used for carrying out application, verification, premium payment, policy issuing and refund processing according to the target file;
the wind control unit is used for carrying out big data wind control judgment and expert wind control judgment according to the target file;
the file management unit is used for storing the OSS file.
9. The system of claim 1, wherein the traffic routing module further comprises a background management unit;
the background management unit comprises a policy management subunit, a target management subunit, a product management subunit, a business rule subunit, an organization management subunit and a permission management subunit;
the policy management subunit is used for counting and inquiring policy information of the successful user;
the product management subunit is used for determining pricing, positioning strategies and life cycles of products;
the business rule subunit is used for defining execution logic of business rules, and the execution logic comprises condition judgment, calculation logic and rule execution sequence;
the mechanism management subunit is used for ensuring the user information of the insurance enterprise through a preset time task, and periodically inquiring the public opinion information of the enterprise, the information of the trusted executor and the change statistics of the enterprise information;
the authority management subunit is used for controlling and managing the authority of each role and user in the system.
10. The system of claim 1, wherein the traffic routing module further comprises a credit inquiry management unit;
the credit inquiry management unit is used for inquiring record retention and data display of credit information.
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