CN117474670A - Trusted processing method and device, storage medium and electronic equipment - Google Patents
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Abstract
The invention provides a trust processing method and device, a storage medium and electronic equipment, wherein the method comprises the following steps: when the target client needs to be subjected to credit processing, judging whether the target client accords with preset credit application conditions or not; if the condition is met, determining asset information corresponding to the target client; performing engine interface data assembly processing based on the asset information to obtain engine input data; calling a rule engine interface, transmitting engine input data to a rule engine platform, and enabling the rule engine platform to carry out credit giving processing on a target client based on the engine input data and each configured credit giving rule set to obtain a credit giving result of the target client; and acquiring a credit result, and analyzing the credit result to acquire the credit limit of the target client. By applying the method of the invention, the trust processing based on the trust rules is realized by calling the rule engine platform, and each trust rule is subjected to centralized configuration management through the rule engine platform, so that the trust rules can be flexibly changed.
Description
Technical Field
The present invention relates to the field of financial technologies, and in particular, to a method and apparatus for processing trust, a storage medium, and an electronic device.
Background
The credit business gradually becomes one of the main business of the bank, and in the process of developing the credit business, the credit system is required to carry out credit processing on the clients, and the credit line of the clients is evaluated so as to facilitate the handling of the credit business.
At present, the credit processing is generally performed based on a preset credit rule in a credit system, namely, the credit rule defined by a service department is written in an application program of the credit system, and the credit limit of a customer is evaluated based on the credit rule set in the system, so that the credit service is transacted.
In an actual business scenario, the processing requirements of credit business often change, and the credit rule needs to be changed accordingly. In the existing trust processing mode, trust rules are solidified in an application program, when the trust rules need to be changed, program development is needed to change program codes, then the trust rules applied in the trust process are changed, the process is complicated, and the flexibility of rule change is poor.
Disclosure of Invention
In view of the above, the embodiment of the invention provides a credit granting processing method, which aims to solve the problems that in the existing credit granting mode, a system program is required to be modified to change a credit granting rule, the process is complicated and the flexibility is poor.
The embodiment of the invention also provides a credit processing device which is used for guaranteeing the practical implementation and application of the method.
In order to achieve the above object, the embodiment of the present invention provides the following technical solutions:
a trust processing method comprises the following steps:
when a target client needs to be subjected to credit processing, judging whether the target client accords with a preset credit application condition;
if the target client accords with the credit application condition, determining asset information corresponding to the target client;
performing engine interface data assembly processing based on the asset information to obtain engine input data corresponding to the asset information;
invoking a preset rule engine interface, transmitting the engine input data to a preset rule engine platform, and enabling the rule engine platform to carry out credit giving processing on the target client based on the engine input data and each configured credit giving rule set to obtain a credit giving result corresponding to the target client;
and acquiring a credit giving result corresponding to the target client, analyzing the credit giving result, acquiring the credit giving limit of the target client, and completing the credit giving processing process of the target client.
The above method, optionally, the determining the asset information corresponding to the target client includes:
determining an identity corresponding to the target client;
based on the identity, inquiring asset data in a banking system to obtain banking asset data corresponding to the target client;
accessing an external business system to inquire asset data based on the identity mark, and obtaining external asset data corresponding to the target client;
and taking the bank asset data and the external asset data as the asset information.
In the above method, optionally, the process of performing the trust processing on the target client by the rule engine platform based on the engine input data and the configured trust rule sets includes:
determining a target credit giving rule set corresponding to the target client in each credit giving rule set;
taking the engine input data as the input data of the target credit giving rule set, executing the target credit giving rule set, and obtaining a rule execution result;
and taking the rule execution result and the rule set identification of the target credit giving rule set as credit giving results corresponding to the target client.
In the above method, optionally, the determining, in each trust rule set, a target trust rule set corresponding to the target client includes:
determining client characteristics corresponding to the target client;
determining a feature range corresponding to each credit rule set;
and respectively matching the client features with the feature ranges, taking the feature range matched with the client features as a target feature range, and taking a trust rule set corresponding to the target feature range as the target trust rule set.
The method, optionally, further comprises:
and determining a rule calling record corresponding to the trust result, and storing the rule calling record into a constructed rule calling result table.
The method, optionally, further comprises:
under the condition that rule monitoring is required, determining the loan balance and poor loan balance corresponding to each credit rule set;
for each credit giving rule set, calculating the poor rate of loans corresponding to the credit giving rule set based on the loan balance and the poor loan balance corresponding to the credit giving rule set;
and judging whether the corresponding loan defective rate of each credit giving rule set is larger than a preset threshold value, and if so, carrying out rule alarm processing on the credit giving rule set.
The method, optionally, further comprises:
if the target client does not accord with the credit application condition, sending out an application abnormality prompt, and ending the credit application processing process.
A trust processing apparatus comprising:
the judging unit is used for judging whether the target client accords with a preset credit application condition when the target client needs to be subjected to credit giving processing;
the determining unit is used for determining asset information corresponding to the target client if the target client accords with the credit application condition;
the data processing unit is used for carrying out engine interface data assembly processing based on the asset information to obtain engine input data corresponding to the asset information;
the engine calling unit is used for calling a preset rule engine interface, sending the engine input data to a preset rule engine platform, and enabling the rule engine platform to carry out credit giving processing on the target client based on the engine input data and each configured credit giving rule set to obtain a credit giving result corresponding to the target client;
and the result analysis unit is used for acquiring the credit giving result corresponding to the target client, analyzing the credit giving result, acquiring the credit giving limit of the target client and completing the credit giving processing process of the target client.
A storage medium comprising stored instructions, wherein the instructions, when executed, control a device in which the storage medium resides to perform a trusted processing method as described above.
An electronic device comprising a memory, and one or more instructions, wherein the one or more instructions are stored in the memory and configured to be executed by one or more processors as described above by a trust processing method.
Based on the above-mentioned method for processing trust provided by the embodiment of the present invention, the method includes: when the target client needs to be subjected to credit processing, judging whether the target client accords with preset credit application conditions or not; if the target client accords with the credit application condition, determining asset information corresponding to the target client; performing engine interface data assembly processing based on the asset information to obtain engine input data corresponding to the asset information; invoking a preset rule engine interface, transmitting engine input data to a preset rule engine platform, and enabling the rule engine platform to carry out credit-giving processing on a target client based on the engine input data and each configured credit-giving rule set to obtain a credit-giving result corresponding to the target client; and acquiring a credit giving result corresponding to the target client, analyzing the credit giving result, acquiring the credit giving limit of the target client, and completing the credit giving processing process of the target client. By applying the method provided by the embodiment of the invention, the rule engine platform can be invoked to realize the trust processing based on trust rules, and each trust rule is subjected to centralized configuration management through the rule engine platform. When credit service requirements change and credit service rules need to be changed, the credit service rules configured by the rule engine platform are adjusted without changing system codes, the operation process is more convenient, the changing efficiency is high, the rule changing flexibility is improved, and the service requirements can be responded quickly. Secondly, service personnel can visually review the credit rule in the rule engine platform, so that the service personnel can conveniently develop credit service work.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings that are required to be used in the embodiments or the description of the prior art will be briefly described below, and it is obvious that the drawings in the following description are only embodiments of the present invention, and that other drawings can be obtained according to the provided drawings without inventive effort for a person skilled in the art.
Fig. 1 is a method flowchart of a trust processing method provided in an embodiment of the present invention;
FIG. 2 is an exemplary diagram of a rule engine platform process provided by an embodiment of the present invention;
FIG. 3 is an exemplary diagram of a trusted rule set monitoring process provided by an embodiment of the present invention;
FIG. 4 is a schematic diagram of a credit granting system according to an embodiment of the present invention;
fig. 5 is an exemplary diagram of a trust process provided in an embodiment of the present invention;
fig. 6 is a schematic structural diagram of a trusted processing device according to an embodiment of the present invention;
fig. 7 is a schematic structural diagram of an electronic device according to an embodiment of the present invention.
Detailed Description
The following description of the embodiments of the present invention will be made clearly and completely with reference to the accompanying drawings, in which it is apparent that the embodiments described are only some embodiments of the present invention, but not all embodiments. 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.
In this application, 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 the element.
The embodiment of the invention provides a credit granting processing method which can be applied to a credit granting system of a commercial bank, an execution subject of the credit granting system can be a server of the system, and a flow chart of the method is shown in fig. 1 and comprises the following steps:
s101: when a target client needs to be subjected to credit processing, judging whether the target client accords with a preset credit application condition;
in the method provided by the embodiment of the invention, when a bank client submits a loan application, the client can be used as a target client, and the target client is trusted through the credit trust system to determine the trust limit of the client so as to facilitate the handling of credit business.
The credit application condition, i.e. the basic condition for transacting credit business, can be set in the credit giving system according to the actual demand, for example, the asset data of the customer can be obtained as the condition requirement.
When the target client is subjected to credit processing, whether the target client meets preset credit application conditions or not can be judged according to basic client information of the target client, for example, the property of each asset data to be acquired is determined if the property data can be acquired as a condition requirement, data inquiry is performed based on the identity of the target client to determine whether the required property data can be acquired, if the corresponding property data cannot be acquired, the target client is considered to be not met with the credit application conditions, and if the corresponding property data can be acquired, the target client is determined to be met with the credit application conditions.
S102: if the target client accords with the credit application condition, determining asset information corresponding to the target client;
in the method provided by the embodiment of the invention, if the credit giving system determines that the target client meets the credit application condition, the related asset data of the target client required by credit giving can be obtained, wherein the related asset data can comprise house loan, financial management, month-average financial asset, insurance, and sending wages of the target client, and the related asset data can also comprise credit investigation information, accumulation, and business information of the target client, and the related asset data of the target client can be used as the corresponding asset information.
S103: performing engine interface data assembly processing based on the asset information to obtain engine input data corresponding to the asset information;
in the method provided by the embodiment of the invention, a rule engine platform is preset in the credit granting system, the rule engine is a component embedded in an application program, and a predefined semantic module is used for writing business rules, receiving data input, interpreting the business rules and making decisions according to the business rules. The rule engine platform is a platform for managing the whole life cycle of the business rules by using a rule engine technology, and can develop, test and issue the business rules, has a rule version management function and an issue baseline management function. In the embodiment of the invention, a rule engine platform is arranged for configuring credit giving rules, and meanwhile, a rule engine interface is provided for the system program call of the credit giving system, and a credit giving result is returned to the system program of the credit giving system. Interface data assembly strategies can be set in the credit granting system according to interface data requirements of the rule engine interface so as to obtain input data required by the rule engine platform based on asset information processing of clients.
When the credit granting system performs credit granting processing on the target client, engine interface data assembly can be performed according to a preset interface data assembly strategy, and the processed data is used as engine input data corresponding to the asset information based on input data required by an asset information assembly rule engine platform of the target client. Specifically, the data processing can be performed on the asset information according to the input parameters and format requirements of the rule engine interface to obtain the parameter data of the input parameters related to the asset information, and the input parameters unrelated to the asset information can be subjected to data extraction and conversion from the data of the client information and the like of the target client as required to obtain the parameter data of other input parameters, and the parameter data of each input parameter is assembled to obtain the engine input data. The input parameters in the engine input data may include rule item ID, customer ID, application number (i.e., application number of loan application), customer monthly brief deposit payment amount, customer financial property, etc.
S104: invoking a preset rule engine interface, transmitting the engine input data to a preset rule engine platform, and enabling the rule engine platform to carry out credit giving processing on the target client based on the engine input data and each configured credit giving rule set to obtain a credit giving result corresponding to the target client;
In the method provided by the embodiment of the invention, the credit granting system can call the preset rule engine interface based on the engine input data, and the engine input data is sent to the rule engine platform.
The rule engine platform is preconfigured with a plurality of credit giving rule sets, each credit giving rule set comprises at least one credit giving rule, and the credit giving rule is used for evaluating credit giving limit of a client according to various asset data of the client and preset requirements and can be set according to actual service requirements. When the rule engine platform receives engine input data, credit giving processing can be carried out based on the engine input data and each credit giving rule set, and the result obtained by processing is taken as a credit giving result of a target client, wherein the credit giving result comprises information such as credit giving limit and the like. The rule engine platform can return the credit granting results of the target clients to the system program of the credit granting system through the rule engine interface. When the rule engine platform performs the trust processing, one trust rule set can be selected from each trust rule set as the trust rule set called at this time, and the trust processing is performed by executing the trust rule set.
S105: and acquiring a credit giving result corresponding to the target client, analyzing the credit giving result, acquiring the credit giving limit of the target client, and completing the credit giving processing process of the target client.
In the method provided by the embodiment of the invention, the credit granting system can acquire the granting result corresponding to the target client from the rule engine interface, and the granting result is analyzed through the preset data analysis strategy, so that the credit granting limit of the target client can be acquired.
Based on the method provided by the embodiment of the invention, when the target client needs to be subjected to credit processing, whether the target client accords with the preset credit application condition is judged; if the target client accords with the credit application condition, determining asset information corresponding to the target client; performing engine interface data assembly processing based on the asset information to obtain engine input data corresponding to the asset information; invoking a preset rule engine interface, transmitting engine input data to a preset rule engine platform, and enabling the rule engine platform to carry out credit-giving processing on a target client based on the engine input data and each configured credit-giving rule set to obtain a credit-giving result corresponding to the target client; and acquiring a credit giving result corresponding to the target client, analyzing the credit giving result, acquiring the credit giving limit of the target client, and completing the credit giving processing process of the target client. By applying the method provided by the embodiment of the invention, the rule engine platform can be invoked to realize the trust processing based on trust rules, and each trust rule is subjected to centralized configuration management through the rule engine platform. When credit service requirements change and credit service rules need to be changed, the credit service rules configured by the rule engine platform are adjusted without changing system codes, the operation process is more convenient, the changing efficiency is high, the rule changing flexibility is improved, and the service requirements can be responded quickly. Secondly, service personnel can visually review the credit rule in the rule engine platform, so that the service personnel can conveniently develop credit service work.
Based on the method shown in fig. 1, in the method provided by the embodiment of the present invention, the process for determining the asset information corresponding to the target client mentioned in step S102 includes:
determining an identity corresponding to the target client;
in the method provided by the embodiment of the invention, the credit granting system can acquire the certificate information, such as an identity card number, from the client information of the target client, and takes the certificate information of the target client as the corresponding identity mark.
Based on the identity, inquiring asset data in a banking system to obtain banking asset data corresponding to the target client;
in the method provided by the embodiment of the invention, the credit giving system can access each business system in the bank, perform asset data inquiry based on the identity of the target client, acquire the asset data associated with the target client in the banking system, and take the inquired data as the bank asset data corresponding to the target client, wherein the bank asset data can specifically comprise the data of house credits, financial resources, insurance, and sending wages of the target client.
Accessing an external business system to inquire asset data based on the identity mark, and obtaining external asset data corresponding to the target client;
In the method provided by the embodiment of the invention, the credit granting system can access an external service system, such as a credit investigation system, a government big data platform and the like, and perform asset data inquiry based on the identity of the target client in the external service system under the condition that the client is authorized, so as to inquire the data related to the asset of the target client in each external service system, such as credit investigation, business, accumulation, social security, tax and the like, and take the inquired data as external asset data corresponding to the target client.
And taking the bank asset data and the external asset data as the asset information.
In the method provided by the embodiment of the invention, the credit granting system takes the banking asset data and the external asset data corresponding to the target client as the corresponding asset information for performing the credit granting processing.
Based on the method shown in fig. 1, in the method provided by the embodiment of the present invention, the process of performing trust processing on the target client by the rule engine platform mentioned in step S104 based on the engine input data and the configured trust rule sets includes:
determining a target credit giving rule set corresponding to the target client in each credit giving rule set;
In the method provided by the embodiment of the invention, the rule engine platform can acquire the input parameters for matching the rules from the engine input data, find the trust rule set matched with the input parameters in each trust rule set, and take the trust rule set as a target trust rule set.
Taking the engine input data as the input data of the target credit giving rule set, executing the target credit giving rule set, and obtaining a rule execution result;
in the method provided by the embodiment of the invention, the rule engine platform can take the engine input data as the input data of the target credit giving rule set, acquire the rule parameters required by the target credit giving rule set from the engine input data, and substitute the rule parameters into the target credit giving rule set for rule execution, so as to acquire the rule execution result of the target credit giving rule set.
And taking the rule execution result and the rule set identification of the target credit giving rule set as credit giving results corresponding to the target client.
In the method provided by the embodiment of the invention, the rule engine platform takes the rule execution result and the rule set identification of the trust rule set executed at this time as the trust result.
Based on the method provided by the above embodiment, in the method provided by the embodiment of the present invention, determining, in each of the trust rule sets, a target trust rule set corresponding to the target client includes:
Determining client characteristics corresponding to the target client;
in the method provided by the embodiment of the invention, the rule engine platform can match the trust rule set according to the client characteristics, wherein the client characteristics can be client ID, client type and the like. The rule engine platform can acquire the client characteristics corresponding to the target client from the engine input data.
Determining a feature range corresponding to each credit rule set;
in the method provided by the embodiment of the invention, the corresponding characteristic range of each trust rule set, namely the range of the client characteristics matched with the trust rule set, can be preset in the rule engine platform. The rule engine platform may obtain, from the preconfigured information, a feature range corresponding to each trust rule set.
And respectively matching the client features with the feature ranges, taking the feature range matched with the client features as a target feature range, and taking a trust rule set corresponding to the target feature range as the target trust rule set.
In the method provided by the embodiment of the invention, the rule engine platform can respectively match the client characteristics of the target client with the characteristic ranges corresponding to each credit rule set so as to identify which characteristic range the client characteristics fall into. And taking the characteristic range in which the client characteristics fall as a target characteristic range, and taking the credit giving rule set corresponding to the characteristic range as a target credit giving rule set.
To better illustrate the method provided by the embodiments of the present invention, the processing of the rules engine platform is illustrated in conjunction with FIG. 2. In the method provided by the embodiment of the invention, the engine input data carries the rule item ID, and the rule item ID characterizes each trust rule set configured in the rule engine platform. One rule item in the rule engine platform generally corresponds to one main rule stream, which in turn consists of several sub-rule streams, each sub-rule stream in turn consisting of several rule components. The rule component mainly comprises operation rules, decision trees, decision tables and the like.
As shown in fig. 2, in the method provided by the embodiment of the present invention, when the rule engine platform receives the engine input data, the rule engine platform finds the rule item to be executed at this time, that is, each trusted rule set, according to the rule item ID. In the embodiment of the invention, 3 groups of credit giving rule sets, namely a credit giving rule set 1, a credit giving rule set 2 and a credit giving rule set 3 are configured. And at the entry position of the main rule flow, carrying out rule set distribution through the client characteristics, finding out the credit giving rule set corresponding to the current client so as to distribute the credit giving request of the client, and respectively executing different credit giving rule sets for different clients. For example, rule set splitting may be performed by the first 2 digits of the customer ID, where if the first 2 digits of the customer ID are 00-33, then trust rule set 1 is performed, if the first 2 digits of the customer ID are 34-66, then trust rule set 2 is performed, and if the first 2 digits of the customer ID are 67-99, then trust rule set 3 is performed. After the execution of the execution task of the credit rule set is completed, a credit limit and a final executed credit rule set ID are obtained, and the credit limit and the final executed credit rule set ID are used as credit results.
On the basis of the method shown in fig. 1, the method provided by the embodiment of the invention further includes:
and determining a rule calling record corresponding to the trust result, and storing the rule calling record into a constructed rule calling result table.
In the method provided by the embodiment of the invention, the rule calling result table is constructed in advance and is used for recording the rule calling condition of each trust processing process. After the credit granting system completes the credit granting processing process of the target client, the current rule calling record can be generated based on the credit granting result of the target client, and the current rule calling record is stored in the rule calling result table. Specifically, data such as a client ID of the target client, an application number of the loan application, a credit limit in a credit result, a rule set ID of the executed credit rule set and the like can be obtained, and based on the data, a corresponding rule calling record is generated according to a predetermined format requirement.
On the basis of the method shown in fig. 1, the method provided by the embodiment of the invention further includes:
under the condition that rule monitoring is required, determining the loan balance and poor loan balance corresponding to each credit rule set;
In the method provided by the embodiment of the invention, the credit granting system can monitor each granting rule set in the rule engine platform regularly to determine whether the application condition of the granting rule set meets the requirement. When the monitoring time point is reached, the credit authorization system is regarded as the rule monitoring, and at the moment, the loan balance and the bad loan balance corresponding to each credit authorization rule set can be determined based on the pre-stored data. Specifically, when the credit giving rule sets are applied to carry out the credit giving processing, the calling condition of the rule is recorded, for example, the information recorded in the rule calling result table in the foregoing embodiment, that is, the credit giving system records, for each credit giving rule set, the credit service to which the credit giving rule sets are applied to carry out the credit giving processing. In the banking system, loan information such as loan balance, repayment time and the like of each credit business is recorded. The loan meeting the predetermined condition is a bad loan, such as an overdue outstanding loan, and the balance of the bad loan is a bad loan balance. By combining the corresponding relation between the credit rule sets and the credit businesses and the loan information of the credit businesses, the loan balance and the bad loan balance of each credit business corresponding to each credit rule set can be obtained, and for each credit rule set, the sum of the loan balances of all the credit businesses corresponding to the credit rule set is taken as the loan balance corresponding to the credit rule set, and the sum of the bad loan balances of all the credit businesses corresponding to the credit rule set is taken as the bad loan balance corresponding to the credit rule set.
For each credit giving rule set, calculating the poor rate of loans corresponding to the credit giving rule set based on the loan balance and the poor loan balance corresponding to the credit giving rule set;
in the method provided by the embodiment of the invention, for each credit granting rule set, the credit granting system divides the bad loan balance corresponding to the credit granting rule set by the loan balance corresponding to the credit granting rule set, and takes the quotient of the bad loan balance and the bad loan balance as the loan bad rate corresponding to the credit granting rule set.
And judging whether the corresponding loan defective rate of each credit giving rule set is larger than a preset threshold value, and if so, carrying out rule alarm processing on the credit giving rule set.
In the method provided by the embodiment of the invention, a reject ratio threshold for rule monitoring, namely a preset threshold, is preset in a credit giving system. In the process of rule monitoring, the credit granting system can judge whether the loan reject ratio corresponding to each credit granting rule set is larger than a preset threshold value, and perform rule alarm processing on the credit granting rule set with the loan reject ratio larger than the preset threshold value, so as to prompt related personnel that the credit granting rule set may be abnormal.
It should be noted that, the value of the preset threshold may be set according to actual requirements, so that the implementation function of the method provided by the embodiment of the present invention is not affected, in the actual implementation process, a plurality of preset thresholds may be set, and different alarm modes are adopted for alarm of the trust rule set exceeding different preset thresholds.
Based on the method provided by the embodiment of the invention, the application condition of the credit rule set can be monitored and alarmed regularly, so that the credit rule set with poor application effect can be conveniently adjusted and optimized, and the accuracy of credit evaluation can be improved.
In order to better illustrate the method provided by the embodiment of the present invention, a rule monitoring procedure of the trust rule set provided by the embodiment of the present invention is illustrated in conjunction with fig. 3.
In the method provided by the embodiment of the invention, a rule calling result table and a loan balance table are preconfigured, wherein the rule calling result table is used for storing rule calling records of each credit rule set, and particularly comprises the conditions of the credit rule set called by each credit business, and the loan balance table is used for storing loan information such as loan balance, bad loan balance and the like of each credit business. In the rule monitoring process provided by the embodiment of the invention, a credit granting system can read a rule calling result table and a credit balance table, carry out association statistics on the two tables of information to obtain the credit balance and bad credit balance of all credit businesses corresponding to each credit granting rule set, carry out summation operation on all the credit balances corresponding to each credit granting rule set, take the operation result as the credit balance corresponding to the credit granting rule set, carry out summation operation on all the bad credit balances corresponding to the credit granting rule set, and take the operation result as the bad credit balance corresponding to the credit granting rule set. And calculating the bad loan balance divided by the loan balance to obtain the corresponding bad loan rate (bad loan rate=bad loan balance/loan balance) of each credit rule set. And judging the magnitude relation between the loan reject ratio corresponding to each credit rule set and the preset threshold values of 1.0% and 1.5%. And sending mails and short messages to related personnel for a credit giving rule set with the credit giving reject ratio being more than 1.0% and less than or equal to 1.5%, and carrying out rule alarming on the credit giving rule set. And for the credit giving rule set with the poor rate of loan more than 1.5%, sending mails and short messages to related personnel to carry out rule warning, and suggesting to stop operation processing on the credit giving rule set. And for the credit rule set with the bad rate of loan not more than 1.0%, alarm processing is not carried out.
On the basis of the method shown in fig. 1, the method provided by the embodiment of the invention further includes:
if the target client does not accord with the credit application condition, sending out an application abnormality prompt, and ending the credit application processing process.
In the method provided by the embodiment of the invention, if the credit granting system determines that the target client does not meet the credit application condition in the judging process of the step S101, the abnormal prompt of application of non-compliance can be directly sent out without subsequent processing.
In order to better explain the method provided by the embodiment of the invention, on the basis of the method provided by the previous embodiments and in combination with the actual application scene, the embodiment of the invention provides a credit processing method which is applied to the credit scene of the online credit product of the commercial bank, wherein the online credit product is the credit product of the commercial bank with the functions of real-time application, signing, payment, repayment, reduction and the like by utilizing the channels of palm silver, online silver, small programs and the like. The method provided by the embodiment of the invention is realized based on a credit granting system, and the system is an instantiation of the method shown in fig. 1. The architecture of the credit granting system provided by the embodiment of the invention can be shown in fig. 4, and the system comprises: the system comprises a client internal data processing module 201, a client external data processing module 202, a rule engine calling module 203, a rule engine platform 204, a trust result processing module 205 and a trust rule set monitoring and optimizing module 206. The functions of each module mainly comprise:
Customer internal data processing module 201: the method is mainly used for linking all systems in the bank in real time according to the certificate information of the client, acquiring the data of the house loan, financing, financial asset, insurance, sending wages and the like of the client, and storing the data in a data table.
Customer external data processing module 202: the method is mainly used for inquiring external systems of banks, such as credit investigation systems, government big data platforms and the like, in real time according to the certificate information of the clients to acquire credit investigation, industry and commerce, public accumulation, social security, tax and other data of the clients.
The rule engine call module 203: the method is mainly used for converting the client internal and external data acquired by the client internal data processing module and the client external data processing module into input data required by calling a rule engine platform interface and calling the rule engine platform to process the trust rule. When the rule engine platform is called and is abnormal, abnormal log information is recorded, and system problems are conveniently located.
Rules engine platform 204: the method is mainly used for writing, testing and releasing the trust rules and changing the released trust rules. And executing the rule item based on the configured credit rule when receiving the data sent by the rule engine calling module. The rule engine platform has authority control, and rule writing personnel and rule issuing personnel implement post separation, and the rule writing personnel can not issue the rule. The person who issues the rule cannot write the rule.
The trusted result processing module 205: the method is mainly used for processing the returned result of calling the rule engine interface, recording the returned credit limit and other information, and carrying out statistical analysis on the credit result.
Trust rule set monitoring tuning module 206: the method is mainly used for carrying out loan reject ratio statistics on loans with release time of more than one year in a mode of batch running at night, analyzing the loan reject ratio of each credit rule set, and carrying out optimization or offline processing on the credit rule set with too high loan reject ratio.
As shown in fig. 5, the credit service credit granting process provided by the embodiment of the present invention mainly includes:
the client fills in loan application information in palm banking;
in the method provided by the embodiment of the invention, for an online loan, a client generally initiates an application on a palm silver, and the client needs to fill in information such as a contact way, a contact address, a repayment card number and the like on the palm silver. And acquiring certificate information and the like of the client according to the login information of the client, and transmitting the information I to a credit giving system of the background.
Inquiring system data of a customer in a bank;
in the method provided by the embodiment of the invention, after receiving the loan application sent by the palm and the silver, the credit giving system can inquire various systems in the bank according to the client information to acquire the data of the house loan, financing, evening financial property, insurance, wages and the like of the client. If the customer does not have relevant data in the bank, the customer is generally prompted to be out of compliance with the loan application conditions. If the customer has relevant data, the system will record in a database.
Inquiring system data of a customer outside a bank;
in the method provided by the embodiment of the invention, if the client has internal data and the client signs an authorization protocol, the system can continuously inquire the external data of the client, and generally, the information such as credit investigation information, accumulation fund, industrial and commercial information, social security, tax and the like of the client is mainly inquired. The system will record the queried information in a database.
Assembling rule engine interface data;
in the method provided by the embodiment of the invention, a rule engine platform is deployed, a rule engine interface is provided for system call, and the development, test and release of the trust rule can be realized in the rule engine platform. The rule engine interface typically uses Java objects as input and output parameters. The main input parameters include rule item ID, client ID, application number, monthly sending payroll, monthly accumulation payment amount, client financial assets and other information, and the client credit line and the executed credit rule set ID are taken as output parameters, and specific Java objects can be shown as follows:
public class LoanInf{
private String ruleProjectId; rule item ID
private String clicode; /(customer ID)
private String reqno; number of// application
private BigDecimal salaryAmt; payroll amount per month
private BigDecimal fundAmt; deposit fee per month
private BigDecimal financial _assets; financial assets of a customer
......
private BigDecimal loanAmt; final credit limit
private String codMdl; and/final trust rule set ID.
The credit granting system may assemble input data for the rule engine interface based on the relevant information for the credit service and the acquired customer asset data.
Calling a rule engine interface to execute rules;
in the method provided by the embodiment of the invention, the credit granting system can call the rule engine interface and send the input data to the rule engine platform. The rule engine platform finds the rule item to be executed this time according to the rule item ID. The process flow of the rule engine platform may be shown in fig. 2, and the specific process may refer to the description provided in the foregoing embodiment in connection with fig. 2, which is not repeated herein. After the project execution of the credit rule set is completed, a final credit limit and a final credit rule set ID (i.e. the ID of the currently executed credit rule set) are obtained.
In the method provided by the embodiment of the invention, the credit rule is a calculation mode for calculating the credit limit, and the calculation principle can be as follows:
Credit line = evening net financial asset n1+month generation payroll n2+month public accumulation fund payment base N3-customer stock liability, n1+n2+n3 = 24. Customer stock liabilities are determined by querying customer credit information and combining internal data of the commercial bank.
The trust rule sets adopt trust rules based on the calculation principle, and different coefficients are configured according to the requirement. For example:
trust rule set 1: n1=n2=n3=8;
trust rule set 2: n1=12, n2=n3=6;
trust rule set 3: n1=10, n2=n3=7.
Storing the result of the credit rule;
in the method provided by the embodiment of the invention, after the credit granting system calls the rule engine interface, the credit granting result returned by the rule engine platform is received and processed. The credit granting system records the information such as the credit granting limit returned by the rule engine interface, the finally executed credit granting rule set ID and the like to the rule calling result table. The main fields of the rule calling result table comprise information such as client ID, application number, client final credit limit, final executed credit rule set ID, execution time consumption, calling date, calling time and the like. Meanwhile, the system can feed the credit limit of the client back to the front end for display. If the calling of the rule engine fails, the abnormal information is recorded into a rule calling result table.
Next, a brief description will be given of a monitoring and tuning process of the trust rule set in the method provided by the embodiment of the present invention.
In the method provided by the embodiment of the invention, the credit giving system can statistically monitor the poor loan rate of each credit giving rule set in a night running batch mode, and carry out short message and mail warning on the credit giving rule set with the poor loan rate of more than 1% and not more than 1.5%, and reduce the shunt proportion. And directly stopping the credit giving rule set with the bad rate of loan exceeding 1.5 percent. And (3) after stopping, adjusting and optimizing the rule set, and after adjusting and optimizing, putting the rule set on line again and taking the rule set into monitoring. The monitoring flow of the trust rule set provided in the embodiment of the present invention may be shown in fig. 3, and the specific processing procedure may refer to the description provided in the previous embodiment in conjunction with fig. 3, which is not repeated here.
According to the method provided by the embodiment of the invention, the online credit granting system of the commercial bank is deployed based on the rule engine technology, the credit granting rule is stripped from the application program by utilizing the rule engine platform, the credit granting rule is developed on the rule engine platform, the real-time adjustment of the credit granting rule can be realized, the requirement of rapid iterative update of online credit products can be met, and the synchronous promotion of product research and development and rule research and development can be realized. The system can quickly respond to business demands, reduce the production change frequency and change risk of the credit giving system, and save labor cost. The rule engine platform is used for realizing visualization and full life cycle management of the trust rules, and is convenient for business personnel to check and flexibly adjust the trust rules. The method provided by the embodiment of the invention also realizes the monitoring, alarming and optimizing of the credit rule set, is beneficial to optimizing the credit rule set and reduces the bad rate of loans. Furthermore, the method provided by the embodiment of the invention can be applied to a plurality of business scenes such as automatic approval of loans under commercial banking lines, loan collection, customer rating, credit card approval card issuing, customer admission and the like.
Corresponding to a trust processing method shown in fig. 1, the embodiment of the invention further provides a trust processing device, which is used for implementing the method shown in fig. 1, and the structure schematic diagram is shown in fig. 6, and includes:
a judging unit 301, configured to judge whether a target client meets a preset credit application condition when a trust process needs to be performed on the target client;
a determining unit 302, configured to determine asset information corresponding to the target client if the target client meets the credit application condition;
a data processing unit 303, configured to perform engine interface data assembly processing based on the asset information, and obtain engine input data corresponding to the asset information;
the engine calling unit 304 is configured to call a preset rule engine interface, send the engine input data to a preset rule engine platform, and enable the rule engine platform to perform trust processing on the target client based on the engine input data and each configured trust rule set, so as to obtain a trust result corresponding to the target client;
and the result analysis unit 305 is configured to obtain a trust result corresponding to the target client, analyze the trust result, obtain a trust limit of the target client, and complete a trust processing procedure of the target client.
By applying the device provided by the embodiment of the invention, the rule engine platform can be invoked to realize the trust processing based on trust rules, and each trust rule is subjected to centralized configuration management through the rule engine platform. When credit service requirements change and credit service rules need to be changed, the credit service rules configured by the rule engine platform are adjusted without changing system codes, the operation process is more convenient, the changing efficiency is high, the rule changing flexibility is improved, and the service requirements can be responded quickly. Secondly, service personnel can visually review the credit rule in the rule engine platform, so that the service personnel can conveniently develop credit service work.
The device provided by the embodiment of the present invention may further extend a plurality of units on the basis of the device shown in fig. 6, and the functions of each unit may be referred to in the foregoing description of each embodiment provided by the trust processing method, which is not further illustrated herein.
The embodiment of the invention also provides a storage medium, which comprises stored instructions, wherein the equipment where the storage medium is located is controlled to execute the trust processing method when the instructions run.
The embodiment of the present invention further provides an electronic device, whose structural schematic diagram is shown in fig. 7, specifically including a memory 401, and one or more instructions 402, where the one or more instructions 402 are stored in the memory 401, and configured to be executed by the one or more processors 403 to perform the following operations by the one or more instructions 402:
when a target client needs to be subjected to credit processing, judging whether the target client accords with a preset credit application condition;
if the target client accords with the credit application condition, determining asset information corresponding to the target client;
performing engine interface data assembly processing based on the asset information to obtain engine input data corresponding to the asset information;
invoking a preset rule engine interface, transmitting the engine input data to a preset rule engine platform, and enabling the rule engine platform to carry out credit giving processing on the target client based on the engine input data and each configured credit giving rule set to obtain a credit giving result corresponding to the target client;
and acquiring a credit giving result corresponding to the target client, analyzing the credit giving result, acquiring the credit giving limit of the target client, and completing the credit giving processing process of the target client.
In this specification, each embodiment is described in a progressive manner, and identical and similar parts of each embodiment are all referred to each other, and each embodiment mainly describes differences from other embodiments. In particular, for a system or system embodiment, since it is substantially similar to a method embodiment, the description is relatively simple, with reference to the description of the method embodiment being made in part. The systems and system embodiments described above are merely illustrative, wherein the elements illustrated as separate elements may or may not be physically separate, and the elements shown as elements may or may not be physical elements, may be located in one place, or may be distributed over a plurality of network elements. Some or all of the modules may be selected according to actual needs to achieve the purpose of the solution of this embodiment. Those of ordinary skill in the art will understand and implement the present invention without undue burden.
Those of skill would further appreciate that the various illustrative elements and algorithm steps described in connection with the embodiments disclosed herein may be implemented as electronic hardware, computer software, or combinations of both, and that the various illustrative elements and steps are described above generally in terms of functionality in order 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.
The previous description of the disclosed embodiments is provided to enable any person skilled in the art to make or use the present invention. Various modifications to these embodiments will be readily apparent to those skilled in the art, and the generic principles defined herein may be applied to other embodiments without departing from the spirit or scope of the invention. Thus, the present invention is not intended to be limited to the embodiments shown herein but is to be accorded the widest scope consistent with the principles and novel features disclosed herein.
Claims (10)
1. The trust processing method is characterized by comprising the following steps:
when a target client needs to be subjected to credit processing, judging whether the target client accords with a preset credit application condition;
if the target client accords with the credit application condition, determining asset information corresponding to the target client;
performing engine interface data assembly processing based on the asset information to obtain engine input data corresponding to the asset information;
invoking a preset rule engine interface, transmitting the engine input data to a preset rule engine platform, and enabling the rule engine platform to carry out credit giving processing on the target client based on the engine input data and each configured credit giving rule set to obtain a credit giving result corresponding to the target client;
And acquiring a credit giving result corresponding to the target client, analyzing the credit giving result, acquiring the credit giving limit of the target client, and completing the credit giving processing process of the target client.
2. The method of claim 1, wherein the determining asset information corresponding to the target client comprises:
determining an identity corresponding to the target client;
based on the identity, inquiring asset data in a banking system to obtain banking asset data corresponding to the target client;
accessing an external business system to inquire asset data based on the identity mark, and obtaining external asset data corresponding to the target client;
and taking the bank asset data and the external asset data as the asset information.
3. The method of claim 1, wherein the process of the rule engine platform performing a trust process on the target client based on the engine input data and the configured respective trust rule sets comprises:
determining a target credit giving rule set corresponding to the target client in each credit giving rule set;
taking the engine input data as the input data of the target credit giving rule set, executing the target credit giving rule set, and obtaining a rule execution result;
And taking the rule execution result and the rule set identification of the target credit giving rule set as credit giving results corresponding to the target client.
4. The method of claim 3, wherein the determining, in each of the trust rule sets, the target trust rule set corresponding to the target client comprises:
determining client characteristics corresponding to the target client;
determining a feature range corresponding to each credit rule set;
and respectively matching the client features with the feature ranges, taking the feature range matched with the client features as a target feature range, and taking a trust rule set corresponding to the target feature range as the target trust rule set.
5. The method as recited in claim 1, further comprising:
and determining a rule calling record corresponding to the trust result, and storing the rule calling record into a constructed rule calling result table.
6. The method as recited in claim 1, further comprising:
under the condition that rule monitoring is required, determining the loan balance and poor loan balance corresponding to each credit rule set;
For each credit giving rule set, calculating the poor rate of loans corresponding to the credit giving rule set based on the loan balance and the poor loan balance corresponding to the credit giving rule set;
and judging whether the corresponding loan defective rate of each credit giving rule set is larger than a preset threshold value, and if so, carrying out rule alarm processing on the credit giving rule set.
7. The method as recited in claim 1, further comprising:
if the target client does not accord with the credit application condition, sending out an application abnormality prompt, and ending the credit application processing process.
8. A trust processing apparatus, comprising:
the judging unit is used for judging whether the target client accords with a preset credit application condition when the target client needs to be subjected to credit giving processing;
the determining unit is used for determining asset information corresponding to the target client if the target client accords with the credit application condition;
the data processing unit is used for carrying out engine interface data assembly processing based on the asset information to obtain engine input data corresponding to the asset information;
the engine calling unit is used for calling a preset rule engine interface, sending the engine input data to a preset rule engine platform, and enabling the rule engine platform to carry out credit giving processing on the target client based on the engine input data and each configured credit giving rule set to obtain a credit giving result corresponding to the target client;
And the result analysis unit is used for acquiring the credit giving result corresponding to the target client, analyzing the credit giving result, acquiring the credit giving limit of the target client and completing the credit giving processing process of the target client.
9. A storage medium comprising stored instructions, wherein the instructions, when executed, control a device in which the storage medium is located to perform the trust processing method according to any one of claims 1 to 7.
10. An electronic device comprising a memory and one or more instructions, wherein the one or more instructions are stored in the memory and configured to be executed by one or more processors to perform the trust processing method of any one of claims 1-7.
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