CN117726428A - Post-credit check method, apparatus and readable storage medium - Google Patents
Post-credit check method, apparatus and readable storage medium Download PDFInfo
- Publication number
- CN117726428A CN117726428A CN202311770572.3A CN202311770572A CN117726428A CN 117726428 A CN117726428 A CN 117726428A CN 202311770572 A CN202311770572 A CN 202311770572A CN 117726428 A CN117726428 A CN 117726428A
- Authority
- CN
- China
- Prior art keywords
- post
- inspection
- credit
- loan
- credit check
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Pending
Links
- 238000000034 method Methods 0.000 title claims abstract description 29
- 238000003860 storage Methods 0.000 title claims abstract description 9
- 238000007689 inspection Methods 0.000 claims abstract description 117
- 238000013507 mapping Methods 0.000 claims abstract description 13
- 238000004590 computer program Methods 0.000 claims description 10
- 238000012163 sequencing technique Methods 0.000 claims description 3
- 238000011161 development Methods 0.000 abstract description 6
- 230000006870 function Effects 0.000 abstract description 4
- 238000011835 investigation Methods 0.000 description 3
- 238000012545 processing Methods 0.000 description 3
- 230000009286 beneficial effect Effects 0.000 description 2
- 230000007774 longterm Effects 0.000 description 2
- 238000004519 manufacturing process Methods 0.000 description 2
- 230000003068 static effect Effects 0.000 description 2
- OKTJSMMVPCPJKN-UHFFFAOYSA-N Carbon Chemical compound [C] OKTJSMMVPCPJKN-UHFFFAOYSA-N 0.000 description 1
- 238000010276 construction Methods 0.000 description 1
- 230000000694 effects Effects 0.000 description 1
- 238000005516 engineering process Methods 0.000 description 1
- 229910021389 graphene Inorganic materials 0.000 description 1
- 230000003287 optical effect Effects 0.000 description 1
- 238000002360 preparation method Methods 0.000 description 1
- 238000012502 risk assessment Methods 0.000 description 1
- 239000002699 waste material Substances 0.000 description 1
Landscapes
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The invention discloses a post-credit inspection method, a post-credit inspection device and a readable storage medium. The post-credit checking method comprises the steps of creating a post-credit checking module and receiving a post-credit checking request of a client to be checked; responding to the post-credit check request; constructing a post-credit checking template according to the constructed post-credit checking module, analyzing and matching data under the client items to be checked through a preset task rule to generate a matching result, and forming a mapping relation with the post-credit checking template; if the matching result of the client to be checked and a plurality of post-credit check templates form a mapping relation at the same time, combining and de-duplicating the plurality of post-credit check templates; and carrying out post-loan inspection according to the combined post-lend inspection template after the duplicate removal, and generating a post-loan inspection report. By modularly setting the post-credit inspection templates, the post-credit inspection modules have multiplexing attributes, can realize functions of 'instant use, instant change, instant use, infinite expansion', and the like, avoid subsequent repeated development, and improve post-credit inspection efficiency.
Description
Technical Field
The invention belongs to the technical field of financial science and technology, and particularly relates to a post-credit checking method, post-credit checking equipment and a readable storage medium.
Background
Enterprises or individuals often loan to banks or other financial institutions for the needs of a certain purpose (e.g., production operations, house purchases). Banks or other financial institutions may post-credit checks on businesses or individuals after they have been paid in order to be able to withdraw the loan on time or to reduce the likelihood of other losses to the bank by the business or individual.
In post-loan management of commercial banks, daily inspection factors related to different loan varieties are different, and daily inspection report templates are also different, for example, the condition that a guarantee loan needs to inspect a guarantee object, the condition that an operational loan needs to inspect an entity business, and the like. Meanwhile, different loan varieties have personalized post-loan management requirements, and as the supervision requirements change, post-loan inspection elements and post-loan report formats need to be updated continuously. For the traditional daily inspection report, the new report template is added, modified and deleted, so that repeated development and resource waste are easily caused. For a customer manager, if the same customer triggers post-loan daily inspection tasks for multiple loan varieties at the same time, multiple post-loan inspection reports are filled in, and the workload is repeated, resulting in lower post-loan inspection efficiency.
Disclosure of Invention
Accordingly, the present invention is directed to a post-credit inspection method, apparatus and readable storage medium, which solve the technical problem of low post-credit inspection efficiency in the prior art.
The invention provides the following technical scheme: a post-credit inspection method comprising the steps of:
a post-credit check module is established, and a post-credit check request of a client to be checked is received;
responding to the post-credit check request, constructing a post-credit check template according to the constructed post-credit check module, analyzing and matching data under a client item to be checked through a preset task rule to generate a matching result, and forming a mapping relation between the matching result and the post-credit check template;
if the matching result of the client to be checked and a plurality of post-credit check templates form a mapping relation at the same time, combining and de-duplicating the plurality of post-credit check templates;
carrying out post-loan inspection on the clients to be inspected according to the post-loan inspection template after merging and de-duplication;
and generating a post-credit check report of the client to be checked according to the post-credit check result.
Further, the post-credit check creation module receives the post-credit check request of the customer to be checked, and the post-credit check creation module includes the following steps of determining post-credit check signal indexes of the customer to be checked;
the number of the inspection module, the service type to which the inspection module belongs, and the inspection element.
Further, the inspection elements under each of the post-credit inspection modules include:
element number, service type of element, check content text description, element operation domain;
wherein the service types of the elements are not repeated;
the text description of the inspection content of the elements under the same service type is different;
the element operation field includes at least one preset operation mode.
Further, the preset operation mode includes at least one of the following:
image uploading, text data and pull-down selection.
Further, the drop-down selected content includes one or more of an option specification, and a selected content.
Further, in the step of generating a post-credit check report of the customer to be checked according to the post-credit check result, the post-credit check report includes:
and the four inspection modules are respectively provided with different inspection elements.
Further, after the step of generating the post-credit check report of the client to be checked according to the post-credit check result, the method further includes:
and adding, deleting and adjusting the created checking module according to information feedback of the user.
Further, if the client to be inspected forms a mapping relationship with a plurality of post-credit inspection templates at the same time, the step of merging and deduplicating the plurality of post-credit inspection templates includes:
combining the inspection modules aiming at the same service type;
performing de-duplication on the combined checking elements in the checking module;
and sequencing the combined inspection modules and the de-duplicated inspection elements according to a preset sequence.
The invention provides an electronic device comprising a processor and a memory storing computer program instructions; the processor executes the computer program instructions to implement the post-credit inspection method as described above.
The present invention also provides a computer readable storage medium having stored thereon computer program instructions which, when executed by a processor, implement a post-credit inspection method as described above.
The invention has the beneficial effects that: compared with the prior art, the method for checking the post-loan, disclosed by the invention, has the advantages that the matching result of the client to be checked is combined and de-duplicated with a plurality of post-loan checking templates to form a mapping relation, the post-loan checking is carried out on the client to be checked according to the post-loan checking templates after being combined and de-duplicated, the repeated filling of a post-loan checking report of the same client by a client manager is avoided, the repeated work in post-loan checking of the client manager is reduced, and the post-loan checking efficiency is improved; the post-credit inspection module is arranged in a modularized mode through the post-credit inspection module, has the multiplexing attribute, can realize functions of 'instant use, instant change, instant use, infinite expansion', and the like, avoids subsequent repeated development, and is convenient and efficient.
Additional advantages, objects, and features of the invention will be set forth in part in the description which follows and in part will become apparent to those having ordinary skill in the art upon examination of the following or may be learned from practice of the invention. The objects and other advantages of the invention may be realized and obtained by means of the instrumentalities and combinations particularly pointed out in the specification.
Drawings
In order to make the objects, technical solutions and advantageous effects of the present invention more clear, the present invention provides the following drawings for description:
FIG. 1 is a flow chart of a post-credit inspection method according to an embodiment of the invention.
Detailed Description
As shown in fig. 1, the present embodiment proposes a post-loan inspection method, which includes the steps of:
s01: a post-credit check module is established, and a post-credit check request of a client to be checked is received;
s02: responding to the post-credit check request; constructing a post-credit checking template according to the constructed post-credit checking module, analyzing and matching data under a client item to be checked through a preset task rule to generate a matching result, and forming a mapping relation between the matching result and the post-credit checking template;
s03: if the matching result of the client to be checked and the plurality of post-credit check templates form a mapping relation, combining and de-duplicating the plurality of post-credit check templates;
s04: carrying out post-loan inspection on the clients to be inspected according to the post-loan inspection template after merging and de-duplication;
s05: and generating a post-credit check report of the client to be checked according to the post-credit check result.
In the invention, the post-credit checking module is created, so that the post-credit checking request of different clients to be checked can be matched according to actual conditions, the created post-credit checking module can be selectively used or disabled, and the method is convenient and efficient; by modularly designing the post-credit inspection template, the post-credit inspection module has a multiplexing attribute, can realize functions of 'instant use, instant change, infinite expansion', and the like, avoids subsequent repeated development, compresses the updating time of the post-credit inspection report, and reduces the workload of staff; the clients to be checked and the plurality of post-credit check templates form a mapping relation simultaneously to be combined and de-duplicated, so that repeated filling of the post-credit check report of the same client by a client manager is avoided, repeated work in post-credit check of the client manager is reduced, and post-credit check efficiency is improved.
In the invention, after loan is issued, the borrower carries out the follow-up investigation and inspection on the borrowing contract condition and the borrower management condition, and the loan inspection is post-credit supervision, is mutually connected with the pre-loan investigation and the loan inspection and is mutually complemented, thereby playing an important role in loan quality management; may include: whether borrowing is used according to the purpose specified by the borrowing contract, whether loans can receive expected benefits, whether the business production and supply sales and market conditions change unintentionally, whether the business flowing funds are complete and not, and whether collateral remains intact.
The post-loan inspection report is a report obtained after the borrower performs a post-borrowing contract business case investigation. Specifically, the post-loan inspection report may include borrower base conditions, property and liability conditions, loan and loan management conditions, borrower management and financial benefits and bank relationship, post-loan risk assessment; questions and advice, etc. The basic conditions of borrowers include: name, company name, registered capital, company address, company size, company type, etc.; the asset and liability conditions include: total assets, liquidity assets, long term investments, fixed assets, intangible assets, liquidity liabilities, long term liabilities, and the like; the loan and the loan management conditions include: loan amount, loan use, loan category, loan use case, and loan guarantee case; borrower management, financial benefits and bank-enterprise relationships include: management conditions, financial benefits conditions, credit conditions.
Further, the post-credit check creation module receives the post-credit check request of the client to be checked, and the post-credit check creation module comprises at least two of the following steps of determining post-credit check signal indexes of the client to be checked;
the number of the inspection module, the service type to which the inspection module belongs, and the inspection element.
In the invention, the inspection modules are numbered, such as 'a first module, a second module, a third module, a fourth module and the like', so that the inspection modules are arranged and referred; dividing the business types and the checking elements by taking the checking module as dimensions, and endowing a certain threshold value in the checking elements so as to determine whether a client to be checked reaches the index of the post-credit checking signal; and at the same time, the finally generated post-loan inspection template can be modularly managed, and the modularization adjustment can be performed according to the follow-up customer inspection information.
Further, the inspection elements under each of the post-credit inspection modules include:
element number, service type of element, check content text description, element operation domain;
wherein the service types of the elements are not repeated;
the text description of the inspection content of the elements under the same service type is different;
the element operation field includes at least one preset operation mode.
In the invention, the element number can be 'element 1, element 2, element 3, element 4, element 5 and the like', thereby being convenient for ordered management; by modularly sorting a plurality of different inspection elements, the inspection elements may be modularly introduced into a post-loan inspection template; by setting the description of the checking content differently, the repeated checking elements under each checking module item are avoided, different checking elements are ensured under each checking module, and the checking modules are matched with different post-credit checking requests.
In the invention, the element construction is carried out on the inspection module, so that the post-credit inspection element has the multiplexing attribute, the functions of instant creation, instant use, instant change, infinite expansion and the like can be realized, the subsequent repeated development is avoided, the repeated work is reduced, and the efficiency is improved.
In the present invention, the number of inspection modules is equal to the number of service types in a single post-credit inspection template. Therefore, the number of the inspection modules is determined according to the service type, and the division management is convenient.
Further, the preset operation mode includes at least one of the following:
image uploading, text data and pull-down selection.
By setting a plurality of operation modes, a worker can select one of the operation modes according to his own needs to perform processing, however, in this embodiment, the operation mode may be set to other modes according to actual situations and specific needs, which is not limited only herein.
Preferably, the drop-down selected content includes one or more of an option description and a selected content. Specifically, the content of the drop-down selection may be an option specification, or the content of the drop-down selection may be a selection content; or the drop-down selected content is the option description and the selected content.
Further, in the step of generating a post-credit check report of the customer to be checked according to the post-credit check result, the post-credit check report includes:
and the four inspection modules are respectively provided with different inspection elements.
In the invention, the number of the inspection modules is four, and the number of the corresponding service types is also four; by the fact that the checking elements in each checking module are different, repeated setting of the checking modules corresponding to the same checking elements is avoided, and good preparation is provided for merging and deduplicating of the follow-up post-credit checking templates. Of course, in the present embodiment, the number of the post-loan inspection modules may be set to five, six, seven, etc., according to the actual situation and the specific requirements, which is not limited only herein.
Further, after the step of generating the post-credit check report of the client to be checked according to the post-credit check result, the method further includes:
and adding, deleting and adjusting the created checking module according to the information of the client to be checked.
In the invention, the created inspection module is added, deleted and adjusted to realize flexible development of the inspection module, thereby being beneficial to dynamically adjusting the post-loan inspection template and meeting different inspection requirements.
Further, if the client to be inspected forms a mapping relationship with a plurality of post-credit inspection templates at the same time, the step of merging and deduplicating the plurality of post-credit inspection templates includes:
combining the inspection modules aiming at the same service type;
performing de-duplication on the combined checking elements in the checking module;
and sequencing the combined inspection modules and the de-duplicated inspection elements according to a preset sequence.
By combining and deduplicating the inspection modules and the same inspection elements aiming at the same business type, repeated filling of the post-loan inspection report of the same client by a client manager is avoided, repeated work in post-loan inspection of the client manager is reduced, and post-loan inspection efficiency is improved; the combined inspection module and the inspection elements after de-duplication are numbered in the manner described above, so that subsequent fine management is facilitated.
The invention provides an electronic device comprising a processor and a memory storing computer program instructions; the processor executes the computer program instructions to implement the post-credit inspection method as described above.
The present invention also provides a computer readable storage medium having stored thereon computer program instructions which, when executed by a processor, implement a post-credit inspection method as described above.
Those skilled in the art will appreciate that implementing all or part of the above described methods may be accomplished by way of a computer program stored on a non-transitory computer readable storage medium, which when executed, may comprise the steps of the embodiments of the methods described above. Any reference to memory, database, or other medium used in the various embodiments provided herein may include at least one of non-volatile and volatile memory. The nonvolatile memory may include Read-only memory (ROM), magnetic tape, floppy disk, flash memory, optical memory, high density embedded nonvolatile memory, resistive random access memory (ReRAM), magnetic random access memory (Magnetoresistive Random Access Memory, MRAM), ferroelectric memory (Ferroelectric Random Access Memory, FRAM), phase change memory (Phase Change Memory, PCM), graphene memory, and the like. Volatile memory can include random access memory (Random Access Memory, RAM) or external cache memory, and the like. By way of illustration, and not limitation, RAM can be in the form of a variety of forms, such as static random access memory (Static Random Access Memory, SRAM) or dynamic random access memory (Dynamic RandomAccess Memory, DRAM), and the like. The processors referred to in the embodiments provided herein may be general purpose processors, central processing units, graphics processors, digital signal processors, programmable logic units, quantum computing-based data processing logic units, etc., without being limited thereto.
Finally, it is noted that the above-mentioned preferred embodiments are only intended to illustrate rather than limit the invention, and that, although the invention has been described in detail by means of the above-mentioned preferred embodiments, it will be understood by those skilled in the art that various changes in form and details may be made therein without departing from the scope of the invention as defined by the appended claims.
Claims (10)
1. A post-loan inspection method, comprising the steps of:
a post-credit check module is established, and a post-credit check request of a client to be checked is received;
responding to the post-credit check request, constructing a post-credit check template according to the constructed post-credit check module, analyzing and matching data under a client item to be checked through a preset task rule to generate a matching result, and forming a mapping relation between the matching result and the post-credit check template;
if the matching result of the client to be checked and a plurality of post-credit check templates form a mapping relation at the same time, combining and de-duplicating the plurality of post-credit check templates;
carrying out post-loan inspection on the clients to be inspected according to the post-loan inspection template after merging and de-duplication;
and generating a post-credit check report of the client to be checked according to the post-credit check result.
2. The method of claim 1, wherein the creating a post-credit check module receives a post-credit check request from a customer to be checked, the creating a post-credit check module including determining post-credit check signal indicators of the customer to be checked as described in;
the number of the inspection module, the service type to which the inspection module belongs, and the inspection element.
3. A post-credit inspection method according to claim 2, wherein the inspection elements under each of the post-credit inspection modules include:
element number, service type of element, check content text description, element operation domain;
wherein the service types of the elements are not repeated;
the text description of the inspection content of the elements under the same service type is different;
the element operation field includes at least one preset operation mode.
4. A post-loan inspection method, as set forth in claim 3, wherein said predetermined means of operation comprises at least one of:
image uploading, text data and pull-down selection.
5. The post-credit inspection method of claim 4, wherein the drop-down selected content includes one or more of an option specification, and a selected content.
6. A post-credit inspection method according to claim 3, wherein in said step of generating a post-credit inspection report of said customer to be inspected based on said post-credit inspection result, said post-credit inspection report comprises:
and the four inspection modules are respectively provided with different inspection elements.
7. The post-loan inspection method of claim 1, wherein after said step of generating a post-loan inspection report for said customer to be inspected based on said post-loan inspection result, further comprising:
and adding, deleting and adjusting the created checking module according to information feedback of the user.
8. The method according to claim 1, wherein if the client to be inspected forms a mapping relationship with a plurality of post-loan inspection templates at the same time, the step of merging and deduplicating the plurality of post-loan inspection templates includes:
combining the inspection modules aiming at the same service type;
performing de-duplication on the combined checking elements in the checking module;
and sequencing the combined inspection modules and the de-duplicated inspection elements according to a preset sequence.
9. An electronic device, the electronic device comprising: a processor and a memory storing computer program instructions; the processor executes the computer program instructions to implement the post-credit inspection method of any one of claims 1-8.
10. A computer readable storage medium having stored thereon computer program instructions which when executed by a processor implement the post-credit inspection method of any of claims 1-8.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202311770572.3A CN117726428A (en) | 2023-12-20 | 2023-12-20 | Post-credit check method, apparatus and readable storage medium |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202311770572.3A CN117726428A (en) | 2023-12-20 | 2023-12-20 | Post-credit check method, apparatus and readable storage medium |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN117726428A true CN117726428A (en) | 2024-03-19 |
Family
ID=90199582
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN202311770572.3A Pending CN117726428A (en) | 2023-12-20 | 2023-12-20 | Post-credit check method, apparatus and readable storage medium |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN117726428A (en) |
-
2023
- 2023-12-20 CN CN202311770572.3A patent/CN117726428A/en active Pending
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| Budianto | Research Mapping on Credit Risk in Islamic and Conventional Banking | |
| Zamore et al. | Credit risk research: Review and agenda | |
| US7904368B2 (en) | Portfolio confirmation and certification platform | |
| Sissoko | Repurchase agreements and the (de) construction of financial markets | |
| US20120136808A1 (en) | System and method for computer implemented collateral management | |
| US8572134B2 (en) | Transforming and storing messages in a database | |
| US20130097066A1 (en) | System and method for computer implemented collateral management | |
| US20140236860A1 (en) | system allowing banks to diversify their loan portfolios via exchanging loans | |
| WO2018065411A1 (en) | Computer system | |
| CN112527970A (en) | Data dictionary standardization processing method, device, equipment and storage medium | |
| US20220188279A1 (en) | Systems and methods for creating and tracking implementation of a consolidation of data during a migration from one or more source systems to one target system | |
| Zafar et al. | Corporate social responsibility disclosure and Islamic banks: a case study of Pakistan | |
| US11593622B1 (en) | Artificial intelligence system employing graph convolutional networks for analyzing multi-entity-type multi-relational data | |
| CN117726428A (en) | Post-credit check method, apparatus and readable storage medium | |
| CN114297052A (en) | Test data generation method and device | |
| CN114255123A (en) | Risk checking method, risk checking device, computer equipment, storage medium and product | |
| CN114117052A (en) | Method and device for classifying business data reports | |
| CN111882417A (en) | Financial analysis method and device | |
| Al Janabi | Evaluating, Managing, and Controlling the Impacts of Assets Liquidity Risk When Trading Financial Securities in Emerging Markets | |
| Novick et al. | Artificial intelligence and machine learning in asset management | |
| US8805795B2 (en) | Identifying duplicate messages in a database | |
| CN117726427A (en) | Method, apparatus and readable storage medium for post-credit check pushing | |
| KR102349352B1 (en) | Method and apparatus for providing fund report | |
| US10878503B2 (en) | System and method of determining portfolio complexity | |
| US11586807B1 (en) | Systems and methods for linking a data set to recurring data elements |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| PB01 | Publication | ||
| PB01 | Publication | ||
| SE01 | Entry into force of request for substantive examination | ||
| SE01 | Entry into force of request for substantive examination |