TWI763226B - Adjusting re-approvable loan amount according to repayment information system and method thereof - Google Patents

Abstract

An adjusting re-approvable loan amount according to repayment information system and a method thereof are provided. Loan information and monthly repayment amount are recorded by bank server. Average monthly repayment ratio which is calculated according to monthly repayment amount corresponding to loan information and repayment amount by bank server is repayment ratio when repayment period corresponding to loan information is greater than or equal to preset period. Re-approvable loan amount is calculated from multiply repayment amount by repayment ratio by bank server. Therefore, the efficiency of adjusting re-approved loan amount based on corporate loan repayment information may be achieved.

Description

System and method for adjusting re-approved loan amount according to repayment information

A loan amount adjustment system and method, particularly a system and method for adjusting the re-verifiable loan amount based on enterprise loan repayment information for adjusting the re-verifiable loan amount by analyzing and calculating the monthly repayment amount.

After an enterprise submits a loan application and is approved, if it needs to submit a loan application again, it needs to carry out the complete loan approval process again, and the complete loan approval process needs to go through the bank's internal operating procedures, KYC procedures and guarantee procedures...etc. , which will make the complete loan approval process very time-consuming, and if the joint application information needs to be obtained in the complete loan application process, it will also lead to a decrease in the credit score in the joint application information, which will reduce the willingness of enterprises to apply for loans , if the enterprise submits a loan application and is approved, according to the repayment information of the enterprise, the enterprise can quickly reapply for a loan and adjust the amount that can be re-approved, which will not only benefit the enterprise's loan application, but also reduce the complete loan approval. Program time-consuming problem.

To sum up, it can be seen that there has been a long-standing problem in the prior art that the existing loan application process is cumbersome and time-consuming, which is not conducive to reapplying for a loan. Therefore, it is necessary to propose improved technical means to solve this problem.

In view of the problem that the existing loan application process is cumbersome and time-consuming and is not conducive to reapplying for a loan in the prior art, the present invention discloses a system and method for adjusting the re-verifiable loan amount according to repayment information, wherein:

The system for adjusting the re-approved loan amount according to the repayment information disclosed in the present invention includes: a bank server, and the bank server further includes: a repayment record module, a time judgment module, a repayment calculation module, a loanable loan Quota calculation module and display module.

The repayment record module of the bank server is used to record the loan approval information and the corresponding monthly repayment amount; the time judgment module of the bank server is used to determine whether the repayment period corresponding to the loan approval information is greater than or equal to the predetermined amount. Set the period; the repayment calculation module of the bank server is to calculate the monthly repayment corresponding to the verification loan information when the time judgment module of the bank server determines that the repayment period corresponding to the verification loan information is greater than or equal to the preset period The amount is compared with the repayment amount. When the monthly repayment amount is greater than the repayment amount, the monthly repayment ratio of the month is set as the first value. When the monthly repayment amount is equal to the repayment amount, set The monthly repayment ratio of this month is 1. When the monthly repayment amount is less than the amount to be repaid, the monthly repayment ratio of this month is set as the second value, and the average of all monthly repayment ratios is calculated as the corresponding loan information. The repayment ratio during the repayment period; the loanable limit calculation module of the bank server multiplies the repayment amount during the repayment period by the repayment ratio to calculate the re-verifiable loan amount; and the bank server The display module is used to display the amount that can be reapproved.

The method for adjusting the re-approved loan amount according to the repayment information disclosed in the present invention comprises the following steps:

First, the bank server records the loan approval information and the corresponding monthly repayment amount; then, the bank server determines whether the repayment period corresponding to the loan approval information is greater than or equal to the preset period; When the repayment period is greater than or equal to the preset period, the bank server compares the monthly repayment amount corresponding to the loan information with the repayment amount to be repaid; then, when the monthly repayment amount is greater than the repayment amount, the bank server Set the monthly repayment ratio of the month as the first value; then, when the monthly repayment amount is equal to the repayment amount, the bank server sets the monthly repayment ratio of the month as 1; then, when the monthly repayment amount is equal to 1 When it is less than the repayment amount, the bank server sets the monthly repayment ratio of the month as the second value; then, the bank server calculates the average of all monthly repayment ratios as the repayment period corresponding to the loan information. Then, the bank server multiplies the repayment amount during the repayment period by the repayment ratio to calculate the re-approved loan amount; finally, the bank server displays the re-approved loan amount.

The system and method disclosed in the present invention are as above, and the difference between the system and the prior art is that the bank server records the loan approval information and the corresponding monthly repayment amount. When the repayment period corresponding to the loan approval information is greater than or equal to the preset period , the bank server calculates the average monthly repayment ratio from the monthly repayment amount corresponding to the loan information and the repayment amount as the repayment ratio, and the bank server multiplies the repaid amount by the repayment ratio to calculate the repayment ratio. loan amount.

Through the above-mentioned technical means, the present invention can achieve the technical effect of adjusting the re-verifiable loan amount according to the enterprise loan repayment information.

The embodiments of the present invention will be described in detail below with the drawings and examples, so as to fully understand and implement the implementation process of how the present invention applies technical means to solve technical problems and achieve technical effects.

The following first describes the system for adjusting the re-approved loan amount according to the repayment information disclosed in the present invention, and please refer to "Figure 1". System block diagram of the loan amount system.

The system for adjusting the re-verifiable loan amount according to the repayment information disclosed in the present invention includes: a bank server 10, and the bank server 10 further includes: a repayment record module 11, a time judgment module 12, and a repayment calculation module Group 13 , loanable amount calculation module 14 and display module 15 .

After the enterprise applies for a loan online and the bank approves the loan, the repayment record module 11 of the bank server 10 will record the loan approval information and the corresponding monthly repayment amount. Approval loan interest rate, loan approval period, amount to be repaid in each period, etc., are merely illustrative here, and are not intended to limit the scope of application of the present invention.

Specifically, the repayment record module 11 of the bank server 10 records the loan approval information such as: the name of the loan company is Enterprise A, the loan amount is 10 million, the loan interest rate is 1.5%, the loan approval period is 10 years, The repayment amount of each period is 90,000... etc. and the corresponding first month's repayment amount is 90,000, the second month's repayment amount is 90,000, the third month's repayment amount is 100,000, and the fourth month's repayment amount is 90,000, the repayment amount in the fifth month is 80,000, etc., which are only illustrative here, and are not intended to limit the scope of application of the present invention.

Next, the time judging module 12 of the bank server 10 will judge whether the repayment period corresponding to the loan information is greater than or equal to the preset period. Specifically, assuming that the preset period is 36 months (ie, 3 years), If the repayment record module 11 of the bank server 10 records the loan approval information and the corresponding monthly repayment amount has 24 (that is, the repayment period corresponding to the loan approval information is 24 months), the bank server 10 The time judging module 12 can determine that the repayment period corresponding to the loan approval information is less than the preset period. If the repayment record module 11 of the bank server 10 records the loan approval information and the corresponding monthly repayment amount has 40 transactions (ie, the repayment period corresponding to the loan approval information is 40 months), the time judging module 12 of the bank server 10 can determine that the repayment period corresponding to the loan approval information is greater than the preset period.

When the time judging module 12 of the bank server 10 determines that the repayment period corresponding to the loan approval information is greater than or equal to the preset period, the repayment calculation module 13 of the bank server 10 is used to calculate each repayment period corresponding to the loan approval information. The monthly repayment amount is compared with the payable amount. When the monthly repayment amount is greater than the payable amount, the monthly repayment ratio of the month is set as the first value. When the monthly repayment amount is equal to the payable amount When the monthly repayment ratio of this month is set to 1, when the monthly repayment amount is less than the amount to be repaid, set the monthly repayment ratio of this month as the second value, and calculate the average of all monthly repayment ratios as the core value. The repayment ratio of the repaid period corresponding to the loan information.

It is worth noting that the range of the first value is greater than 1 and less than or equal to 1.5. The first value can correspond to different values according to the range of the difference between the monthly repayment amount and the repayment amount corresponding to the loan information. The difference between the monthly repayment amount corresponding to the information and the payable amount is within 10,000. The first value is 1.1. The difference between the monthly repayment amount and the payable amount corresponding to the loan information is in the range of 10,000 to 3 The first value of 10,000 is 1.2, and the difference between the monthly repayment amount corresponding to the nuclear loan information and the amount to be repaid is in the range of 30,000 to 50,000. The first value is 1.3... etc. This is only an example, and This does not limit the scope of application of the present invention.

It is worth noting that the range of the second value is less than 1 and greater than or equal to 0.5, and the first value can correspond to different values according to the range of the difference between the monthly repayment amount corresponding to the loan information and the amount to be repaid, such as a loan check. The difference between the monthly repayment amount corresponding to the information and the payable amount is within 10,000, and the first value is 0.9. The difference between the monthly repayment amount and the payable amount corresponding to the loan information is in the range of 10,000 to 3 The first value of 10,000 is 0.8, and the difference between the monthly repayment amount corresponding to the nuclear loan information and the amount to be repaid is in the range of 30,000 to 50,000. The first value is 0.7... etc. This is only an example, and This does not limit the scope of application of the present invention.

Specifically, assuming that the repayment amount to be repaid is 90,000 and the repayment amount of the first month corresponding to the loan information is 90,000, since the repayment amount of the first month corresponding to the loan information is 90,000, which is equal to the repayment amount of 90,000, the bank The repayment calculation module 13 of the server 10 can set the monthly repayment ratio of the month (ie, the first month) to 1.

When the repayment amount of the third month corresponding to the verification loan information is 100,000, since the repayment amount of the third month corresponding to the verification loan information is 100,000 greater than the repayment amount of 90,000, the repayment calculation module 13 of the bank server 10 is The monthly repayment ratio of the month (ie the third month) can be set as the first value (for example, the first value is 1.1).

When the repayment amount of the fifth month corresponding to the verification loan information is 80,000, since the repayment amount of the fifth month corresponding to the verification loan information is 80,000, which is less than the repayment amount of 90,000, the repayment calculation module 13 of the bank server 10 is: The monthly repayment ratio of the month (ie the fifth month) can be set as the second value (for example, the second value is 0.9).

When the repayment calculation module 13 of the bank server 10 calculates the average of all monthly repayment ratios as the repayment ratio during the repaid period corresponding to the loan information, the loanable limit calculation module 14 of the bank server 10 is: The repayment amount during the repayment period can be multiplied by the repayment ratio to calculate the reapproved loan amount, and the display module 15 of the bank server 10 can display the reapproved loan amount.

Specifically, it is assumed that the repayment ratio calculated by the repayment calculation module 13 of the bank server 10 is 1.2, and the repayment amount during the repayment period is assumed to be 5 million (that is, adding up the monthly repayment amount Calculated), the loanable amount calculation module 14 of the bank server 10 multiplies the repayment amount of 5 million by the repayment ratio of 1.2 to calculate the re-approved loan amount of 6 million, which is only for illustration here. , which does not limit the scope of application of the present invention, and the display module 15 of the bank server 10 displays that the re-approved loan amount is 6 million.

Specifically, suppose that the repayment ratio calculated by the repayment calculation module 13 of the bank server 10 is 0.8, and the repayment amount during the repayment period is assumed to be 5 million (that is, the monthly repayment amount is added up Calculated), the loanable amount calculation module 14 of the bank server 10 multiplies the repayment amount of 5 million by the repayment ratio of 0.8 to calculate the re-approved loan amount to be 4 million, which is only for illustration. , which does not limit the scope of application of the present invention, and the display module 15 of the bank server 10 displays that the re-approved loan amount is 4 million.

The bank server 10 further includes an external information receiving module 16 and a data conversion module 17. The external information receiving module 16 of the bank server 10 is based on the verification when the repayment period corresponding to the loan information is greater than or equal to the preset period. The name of the loan enterprise in the loan information is imported through the enterprise financial credit management system, and the joint information and enterprise transaction data corresponding to the loan enterprise name are imported, and the enterprise name of the counterparty is imported through the enterprise financial credit management system according to the name of the counterparty enterprise in the enterprise transaction data. Corresponding joint data.

The data conversion module 17 of the bank server 10 can convert the credit score of the joint data corresponding to the loan company name into the loan company score ratio according to the credit score range in the conversion table, and convert the credit score corresponding to the transaction counterparty company name. The collection data is converted into the transaction enterprise score ratio according to the credit score range in the conversion table.

Specifically, it is assumed that the credit score in the co-registration data corresponding to the name of the loan company is 85, the credit score in the co-registration data corresponding to the company name of the counterparty is 75, and the credit score in the conversion table ranges from 80 to 80. The loan company score ratio corresponding to 89 is 1.1, and the credit score range in the conversion table corresponds to the transaction company score ratio of 70 to 79 is 1. The data conversion module 17 of the bank server 10 can be imported and The credit score in the joint data corresponding to the name of the loan company is 85. According to the credit score range of 80 to 89 in the conversion table, the loan company score ratio is 1.1, and the data conversion module 17 of the bank server 10 can be imported and The credit score of 75 in the joint information corresponding to the business name of the counterparty of the transaction is converted into a credit score of 70 to 79 in the conversion table, and the score ratio of the transaction enterprise is 1. This is only an example and does not limit the present invention. scope of application.

Next, the loanable amount calculation module 14 of the bank server 10 can further multiply the repaid amount during the repayment period by the repayment ratio multiplied by the loan enterprise rating ratio and then multiplied by the transaction enterprise rating ratio to calculate the re-verifiable The loan amount, or the loanable amount calculation module 14 of the bank server 10 may further multiply the repayment amount during the repayment period by the average value of the repayment ratio, the loan enterprise rating ratio and the transaction enterprise rating ratio to calculate The amount that can be re-approved, and the display module 15 of the bank server 10 displays the amount that can be re-approved.

Specifically, it is assumed that the repayment ratio calculated by the repayment calculation module 13 of the bank server 10 is 0.8, and the loan enterprise rating ratio converted by the data conversion module 17 of the bank server 10 is assumed to be 1.1. 10. The data conversion module 17 converts the transaction enterprise score ratio to 1. Assuming that the repayment amount during the repayment period is 5 million (that is, the monthly repayment amount is calculated by summing up), the bank server 10 can The loan amount calculation module 14 calculates the re-approved loan amount as 4.4 million by multiplying the repaid amount of 5 million by the repayment ratio of 0.8, multiplied by the loan enterprise scoring ratio of 1.1, and multiplied by the transaction enterprise scoring ratio of 1. This is only for illustration, and does not limit the scope of application of the present invention. The display module 15 of the bank server 10 displays that the re-approved loan amount is 4.4 million.

Specifically, it is assumed that the repayment ratio calculated by the repayment calculation module 13 of the bank server 10 is 0.8, and the loan enterprise rating ratio converted by the data conversion module 17 of the bank server 10 is assumed to be 1.1. 10. The data conversion module 17 converts the transaction enterprise score ratio to 1. Assuming that the repayment amount during the repayment period is 5 million (that is, the monthly repayment amount is calculated by summing up), the bank server 10 can The loan limit calculation module 14 calculates that the repayment ratio is 0.8, the loan company scoring ratio is 1.1, and the average value of the transaction company scoring ratio is 1 is 0.97. The loanable limit calculation module 14 of the bank server 10 calculates the repayment amount. Multiplying 5 million by the average value of 0.97, the re-approval amount can be calculated to be 4.85 million. This is only an example, and does not limit the scope of application of the present invention. The display module 15 of the bank server 10 determines Display the re-approved loan amount of 4.85 million.

The bank server 10 further includes a cash flow calculation module 18. The cash flow calculation module 18 of the bank server 10 calculates the transaction amount of the next month minus the transaction amount of the current month in order from the enterprise transaction data corresponding to the loan enterprise name. , when the transaction amount of the next month minus the transaction amount of the current month is greater than 0, set the monthly cash flow ratio of the next month as the third value. When the transaction amount of the next month minus the transaction amount of the current month is equal to 0, set the monthly cash flow ratio of the next month If it is 1, when the transaction amount of the next month minus the transaction amount of the current month is less than 0, set the monthly cash flow ratio of the next month as the fourth value, and calculate the average of all the monthly cash flow ratios as the loan company name during the repayment period. flow ratio.

It is worth noting that the range of the third value is greater than 1 and less than or equal to 1.5. The third value can correspond to different values according to the range of the transaction amount of the next month minus the transaction amount of the current month, for example, the transaction amount of the next month minus the transaction amount of the current month. The first value within the range of 20,000 is 1.1, the transaction amount of the next month minus the transaction amount of the current month is 20,000 to 50,000 The first value is 1.2, the transaction amount of the next month minus the transaction amount of the current month is in the range of 50,000 to 100,000 The first numerical value is 1.3... etc., which is only for illustration here, and does not limit the scope of application of the present invention.

It is worth noting that the range of the fourth value is less than 1 and greater than or equal to 0.5. The fourth value can correspond to different values according to the range of the transaction amount of the next month minus the transaction amount of the current month, for example, the transaction amount of the next month minus the transaction amount of the current month. The first value within the range of 20,000 is 0.9, the next month's transaction amount minus the current month's transaction amount in the range of 20,000 to 50,000 The first value is 0.8, the next month's transaction amount minus the current month's transaction amount in the range of 50,000 to 100,000 The first value is 0.7... etc., which is only for illustration, and does not limit the scope of application of the present invention.

Next, the loanable amount calculation module 14 of the bank server 10 can further multiply the repayment amount during the repayment period by the repayment ratio and the cash flow ratio to calculate the loanable amount again, or the bank server The loanable amount calculation module 14 of the server 10 can further multiply the repayment amount during the repayment period by the average value of the repayment ratio and the cash flow ratio to calculate the loanable amount that can be re-approved. The display module 15 displays the amount that can be reapproved.

Specifically, it is assumed that the repayment ratio calculated by the repayment calculation module 13 of the bank server 10 is 0.8, and the cash flow ratio calculated by the cash flow calculation module 18 of the bank server 10 is assumed to be 0.8. The repaid amount during the repayment period is 5 million (that is, calculated by adding up the monthly repayment amount), and the loanable amount calculation module 14 of the bank server 10 multiplies the repaid amount by 5 million by the repayment ratio. It is 0.8 and then multiplied by the cash flow ratio to be 0.8 to calculate the re-approved loan amount to be 3.2 million. This is only an example to illustrate, and does not limit the application scope of the present invention and is determined by the display module of the bank server 10. 15 pairs of re-approved loan amounts of 3.2 million are displayed.

Specifically, it is assumed that the repayment ratio calculated by the repayment calculation module 13 of the bank server 10 is 0.8, and the cash flow ratio calculated by the cash flow calculation module 18 of the bank server 10 is assumed to be 0.8. The repayment amount during the repayment period is 5 million (that is, the total monthly repayment amount is calculated), and the loanable amount calculation module 14 of the bank server 10 calculates that the repayment ratio is 0.8 and the cash flow ratio is 0.8 The average value is 0.8. The loanable amount calculation module 14 of the bank server 10 multiplies the repaid amount of 5 million by the average value of 0.8 to calculate the re-approved loan amount of 4 million. This is just an example. In addition, the application scope of the present invention is not limited by this, and the display module 15 of the bank server 10 displays that the reapproved loan amount is 4 million.

Next, the loanable amount calculation module 14 of the bank server 10 can further multiply the repayment amount during the repayment period by the repayment ratio multiplied by the loan enterprise rating ratio multiplied by the transaction enterprise rating ratio and then multiplied by the cash flow ratio to Calculate the loan amount that can be re-approved, or the loan amount calculation module 14 of the bank server 10 can further multiply the repayment amount during the repayment period by the repayment ratio, the loan enterprise rating ratio, the transaction enterprise rating ratio, and The average value of the cash flow ratio is used to calculate the reapproved loan amount, and the display module 15 of the bank server 10 displays the reapproved loan amount.

Specifically, it is assumed that the repayment ratio calculated by the repayment calculation module 13 of the bank server 10 is 0.8, and the loan enterprise rating ratio converted by the data conversion module 17 of the bank server 10 is assumed to be 1.1. The transaction enterprise score ratio converted by the data conversion module 17 of 10 is 1, assuming that the cash flow ratio calculated by the cash flow calculation module 18 of the bank server 10 is 0.8, and the repayment amount during the repayment period is assumed to be 5 million (That is, the monthly repayment amount is calculated by adding up the total monthly repayment amount), the loanable amount calculation module 14 of the bank server 10 calculates the repayment amount of 5 million multiplied by the repayment ratio of 0.8 multiplied by the loan enterprise rating ratio of 1.1 Multiplying the transaction enterprise rating ratio to 1 and then multiplying the cash flow ratio to 0.8 can calculate the re-approved loan amount to be 3.52 million. This is only an example, and does not limit the application scope of the present invention and the bank will serve it. The display module 15 of the device 10 displays that the re-approved loan amount is 3.52 million.

Specifically, it is assumed that the repayment ratio calculated by the repayment calculation module 13 of the bank server 10 is 0.8, and the loan enterprise rating ratio converted by the data conversion module 17 of the bank server 10 is assumed to be 1.1. The transaction enterprise score ratio converted by the data conversion module 17 of 10 is 1, assuming that the cash flow ratio calculated by the cash flow calculation module 18 of the bank server 10 is 0.8, and the repayment amount during the repayment period is assumed to be 5 million (That is, the monthly repayment amount is calculated by adding up the total amount), the loanable amount calculation module 14 of the bank server 10 calculates the repayment ratio as 0.8, the loan enterprise score ratio as 1.1, the transaction enterprise score ratio as 1, and the gold The average value of the flow ratio of 0.8 is 0.925. The loanable amount calculation module 14 of the bank server 10 multiplies the repaid amount of 5 million by the average value of 0.925 to calculate the re-approved loan amount of 4.625 million. Here It is only for illustration, and does not limit the scope of application of the present invention, and the display module 15 of the bank server 10 displays that the re-approved loan amount is 4.625 million.

Next, the operation system and method of the first embodiment of the present invention will be described below with the first embodiment, and please refer to the "Fig. 2A" to "Fig. 2E" at the same time, "Fig. Fig. 2E "shows a flow chart of the method of adjusting the re-approved loan amount according to the repayment information according to the present invention.

First, the bank server records the loan approval information and the corresponding monthly repayment amount (step 101 ); then, the bank server determines whether the repayment period corresponding to the loan approval information is greater than or equal to a preset period (step 102 ); then, When the repayment period corresponding to the loan verification information is greater than or equal to the preset period, the bank server compares the monthly repayment amount corresponding to the loan verification information with the amount to be repaid (step 103 ); When the repayment amount is greater than the repayment amount, the bank server sets the monthly repayment ratio of the month as the first value (step 104 ); then, when the repayment amount in the month is equal to the repayment amount, the bank server sets the monthly repayment ratio for the month The monthly repayment ratio is 1 (step 105); then, when the monthly repayment amount is less than the payable repayment amount, the bank server sets the monthly repayment ratio of the month as the second value (step 106); then, the bank The server calculates the average of all monthly repayment ratios as the repayment ratio during the repayment period corresponding to the loan information (step 107 ); then, the bank server multiplies the repayment amount during the repayment period by the repayment Compare to calculate the amount that can be reapproved (step 108 ); finally, the bank server displays the amount that can be reapproved (step 109 ).

When the repayment period corresponding to the loan approval information is greater than or equal to the preset period, the bank server imports the joint data corresponding to the loan enterprise name and the enterprise transaction data through the enterprise financial credit management system according to the loan enterprise name in the loan approval information ( Step 201); then, the bank server imports the joint registration data corresponding to the business name of the counterparty through the enterprise financial credit management system according to the business name of the counterparty in the enterprise transaction data (step 202); then, the bank server will match the name of the loan company with the loan company name. The credit score of the corresponding joint registration data is converted into the loan enterprise score ratio according to the credit score range in the conversion table (step 203 ); then, the bank server converts the joint registration data corresponding to the transaction counterparty company name according to the credit score in the conversion table. The range is converted into the transaction enterprise rating ratio (step 204 ); then, the bank server multiplies the repayment amount during the repayment period by the repayment ratio multiplied by the loan enterprise rating ratio and then multiplied by the transaction enterprise rating ratio to calculate the repayment amount that can be repaid. Verify the loan amount (step 205 ); then, the bank server multiplies the repayment amount during the repayment period by the average of the repayment ratio, the loan enterprise rating ratio, and the transaction enterprise rating ratio to calculate the re-approved loan amount ( step 206).

The bank server sequentially calculates the transaction amount of the next month minus the transaction amount of the current month in the enterprise transaction data corresponding to the name of the loan enterprise (step 301 ); then, when the transaction amount of the next month minus the transaction amount of the current month is greater than 0, the bank The server sets the monthly cash flow ratio of the next month as the third value (step 302 ); then, when the transaction amount of the next month minus the transaction amount of the current month is equal to 0, the bank server sets the monthly cash flow ratio of the next month to 1 (step 302 ). 303); then, when the transaction amount of the next month minus the transaction amount of the current month is less than 0, the bank server sets the monthly cash flow ratio of the next month as the fourth value (step 304); then, the bank server calculates all monthly cash flows The average of the ratio is the cash flow ratio of the loan company name during the repayment period (step 305 ); then, the bank server sequentially multiplies the repayment amount during the repayment period by the repayment ratio multiplied by the loan company rating ratio. Multiply the transaction enterprise score ratio by the cash flow ratio to calculate the loan amount that can be re-approved (step 306 ); then, the bank server multiplies the repayment amount during the repayment period by the repayment ratio, the loan company score ratio, The average value of the transaction enterprise rating ratio and the cash flow ratio is used to calculate the re-approved loan amount (step 307 ); then, the bank server sequentially multiplies the repayment amount during the repayment period by the repayment ratio and then multiplied by the gold flow ratio to calculate the re-approved loan amount (step 308 ); then, the bank server multiplies the repayment amount during the repayment period by the repayment ratio and the average value of the cash flow ratio to calculate the re-approved loan amount (step 309).

To sum up, it can be seen that the difference between the present invention and the prior art is that the bank server records the loan approval information and the corresponding monthly repayment amount. When the repayment period corresponding to the loan approval information is greater than or equal to the preset period, the bank The server calculates the average monthly repayment ratio based on the monthly repayment amount corresponding to the verification loan information and the repayment amount to be repaid, and the bank server multiplies the repaid amount by the repayment ratio to calculate the re-verifiable loan amount .

This technical means can solve the problem of the prior art that the existing loan application process is cumbersome and time-consuming and is not conducive to reapplying for a loan, thereby achieving the technical effect of adjusting the re-approved loan amount according to the enterprise loan repayment information.

Although the embodiments disclosed in the present invention are as above, the above-mentioned contents are not used to directly limit the scope of the patent protection of the present invention. Anyone with ordinary knowledge in the technical field to which the present invention pertains can make some changes in the form and details of the implementation without departing from the spirit and scope of the present invention. The scope of patent protection of the present invention shall still be defined by the scope of the appended patent application.

10: Bank server 11: Repayment record module 12: Time judgment module 13: Repayment calculation module 14: Loanable Amount Calculation Module 15: Display module 16: External information receiving module 17:Data conversion module 18: Gold flow calculation module Step 101: The bank server records the loan approval information and the corresponding monthly repayment amount Step 102: The bank server determines whether the repayment period corresponding to the loan approval information is greater than or equal to the preset period Step 103: When the repayment period corresponding to the loan verification information is greater than or equal to the preset period, the bank server compares the monthly repayment amount corresponding to the loan verification information with the amount to be repaid Step 104: When the repayment amount of the month is greater than the repayment amount to be repaid, the bank server sets the monthly repayment ratio of the month as the first value Step 105: When the monthly repayment amount is equal to the repayment amount, the bank server sets the monthly repayment ratio for this month to 1 Step 106: When the repayment amount of the month is less than the repayment amount, the bank server sets the monthly repayment ratio of the month as the second value Step 107: The bank server calculates the average of all monthly repayment ratios as the repayment ratio during the repaid period corresponding to the loan information Step 108: The bank server multiplies the repayment amount during the repayment period by the repayment ratio to calculate the re-approved loan amount Step 109: The bank server shows the amount that can be reapproved Step 201: When the repayment period corresponding to the loan verification information is greater than or equal to the preset period, the bank server imports the joint information and the enterprise corresponding to the loan enterprise name through the enterprise financial credit management system according to the loan enterprise name in the loan verification information. Transaction Information Step 202: The bank server imports the joint registration data corresponding to the business name of the counterparty through the enterprise financial credit management system according to the business name of the counterparty in the business transaction data Step 203: The bank server converts the credit score of the joint data corresponding to the name of the loan company into the loan company score ratio according to the credit score range in the conversion table. Step 204: The bank server converts the joint registration data corresponding to the enterprise name of the transaction counterparty into the transaction enterprise score ratio according to the credit score range in the conversion table. Step 205: The bank server multiplies the repayment amount during the repayment period by the repayment ratio multiplied by the loan enterprise rating ratio and then multiplied by the transaction enterprise rating ratio to calculate the re-approved loan amount Step 206: The bank server multiplies the repayment amount during the repayment period by the average value of the repayment ratio, the loan enterprise rating ratio and the transaction enterprise rating ratio to calculate the re-approved loan amount Step 301: The bank server sequentially calculates the transaction amount of the next month minus the transaction amount of the current month in the enterprise transaction data corresponding to the loan enterprise name Step 302: When the transaction amount of the next month minus the transaction amount of the current month is greater than 0, the bank server sets the monthly cash flow ratio of the next month as the third value Step 303: When the transaction amount of the next month minus the transaction amount of the current month is equal to 0, the bank server sets the monthly cash flow ratio of the next month to 1 Step 304: When the transaction amount of the next month minus the transaction amount of the current month is less than 0, the bank server sets the monthly cash flow ratio of the next month as the fourth value Step 305: The bank server calculates the average of all monthly cash flow ratios as the cash flow ratio of the loan company name during the repayment period Step 306: The bank server sequentially multiplies the repayment amount during the repayment period by the repayment ratio, multiplied by the loan enterprise rating ratio, multiplied by the transaction enterprise rating ratio, and multiplied by the cash flow ratio to calculate the re-approved loan amount Step 307: The bank server multiplies the repayment amount during the repayment period by the average value of the repayment ratio, the loan enterprise rating ratio, the transaction enterprise rating ratio and the cash flow ratio to calculate the re-approved loan amount Step 308: The bank server sequentially multiplies the repayment amount during the repayment period by the repayment ratio and then multiplies the cash flow ratio to calculate the re-approved loan amount Step 309: The bank server multiplies the repayment amount during the repayment period by the average value of the repayment ratio and the cash flow ratio to calculate the re-approved loan amount

FIG. 1 is a system block diagram of the system for adjusting the re-approved loan amount according to the repayment information according to the present invention. FIGS. 2A to 2E are flowcharts of the method of adjusting the re-approved loan amount according to the repayment information according to the present invention.

10: Bank server

11: Repayment record module

12: Time judgment module

13: Repayment calculation module

14: Loanable Amount Calculation Module

15: Display module

16: External information receiving module

17:Data conversion module

18: Gold flow calculation module

Claims (8)

A system for adjusting the re-approved loan amount according to repayment information, comprising: a bank server, the bank server further comprising: a repayment record module for recording a re-approved loan information and corresponding monthly repayments a time judgment module for judging whether the repayment period corresponding to the verification loan information is greater than or equal to a preset period; a repayment calculation module, when the time judgment module determines that the verification loan When the repayment period corresponding to the information is greater than or equal to the preset period, the monthly repayment amount corresponding to the loan information is compared with the repayment amount. When the monthly repayment amount is greater than the repayment amount, set The monthly repayment ratio of the month is the first value. When the monthly repayment amount is equal to the repayment amount, the monthly repayment ratio of the month is set to 1. When the monthly repayment amount is less than the repayment amount When the monthly repayment ratio of the month is set as the second value, the average of all the monthly repayment ratios is calculated as a repayment ratio during the repayment period corresponding to the verification loan information; a cash flow calculation The module is used to sequentially calculate the transaction amount of the next month minus the transaction amount of the current month from the enterprise transaction data corresponding to the name of the loan enterprise. When the transaction amount of the next month minus the transaction amount of the current month is greater than 0, set the next month The first month’s cash flow ratio is the third value. When the next month’s transaction amount minus the current month’s transaction amount is equal to 0, set the next month’s said monthly cash flow ratio to 1, and the current month’s transaction amount minus the current month’s transaction amount is less than 0 , set the monthly cash flow ratio of the next month as The fourth value, the average of all the monthly cash flow ratios is calculated as a cash flow ratio of the loan company name during the repayment period; a loanable amount calculation module, which calculates the repayment amount during the repayment period. Multiply the repayment ratio and then multiply the cash flow ratio to calculate a re-approved loan amount, or multiply the repayment amount during the repayment period by the repayment ratio and then multiply the cash flow ratio by the cash flow ratio. The average value of the flow ratio is used to calculate the reapproved loan amount; and a display module is used to display the reapproved loan amount. The system for adjusting re-approved loan amount according to repayment information according to claim 1, wherein the bank server further comprises an external information receiving module, when the repayment period corresponding to the loan approval information is greater than or equal to a predetermined amount When setting the period, import the joint acquisition data and corporate transaction data corresponding to the name of the loan company through a corporate financial credit management system according to the name of the loan company in the loan verification information, and use the company name of the counterparty in the corporate transaction data to pass the description. The enterprise financial credit management system imports the joint information corresponding to the enterprise name of the counterparty. The system for adjusting re-approved loan amount according to repayment information according to claim 2, wherein the bank server further comprises a data conversion module, and the data conversion module converts the joint data corresponding to the loan enterprise name The credit score is converted into a loan enterprise score ratio according to the credit score range in a conversion table, and the joint information corresponding to the name of the counterparty enterprise is converted into a transaction company score ratio according to the credit score range in the conversion table, The loanable amount calculation module multiplies the repayment amount during the repayment period by the repayment ratio multiplied by the loan enterprise rating ratio and then multiplied by the transaction enterprise rating ratio to calculate the re-checkable amount. The loan amount, or the loanable amount calculation module multiplies the repayment amount during the repayment period by the average value of the repayment ratio, the loan enterprise rating ratio and the transaction enterprise rating ratio to calculate The re-approved loan amount. The system for adjusting the re-approved loan amount according to the repayment information according to claim 3, wherein the bank server further comprises a cash flow calculation module, which is used to calculate the enterprise transaction data corresponding to the loan enterprise name in the enterprise transaction data corresponding to the loan enterprise name. Calculate the transaction amount of the next month minus the transaction amount of the current month in sequence. When the transaction amount of the next month minus the transaction amount of the current month is greater than 0, set the January cash flow ratio of the next month as the third value, minus the transaction amount of the next month. When the transaction amount of the current month is equal to 0, set the monthly cash flow ratio of the next month to 1. When the transaction amount of the next month minus the transaction amount of the current month is less than 0, set the monthly cash flow ratio of the next month to the fourth value, and calculate The average of all the monthly cash flow ratios is a cash flow ratio of the loan company name during the repayment period, and the loanable amount calculation module sequentially multiplies the repaid amount during the repayment period by all The repayment ratio is multiplied by the loan enterprise rating ratio multiplied by the transaction enterprise rating ratio and then multiplied by the cash flow ratio to calculate the re-approved loan amount, or the loanable amount calculation module will The repayment amount during the repayment period is multiplied by the repayment ratio, the loan enterprise rating ratio, the transaction enterprise rating ratio and the average value of the cash flow ratio to calculate the re-approved loan amount. A method for adjusting the re-approved loan amount according to repayment information, comprising the following steps: a bank server records a re-approval information and a corresponding monthly repayment amount; the bank server determines the corresponding Whether the repayment period is greater than or equal to the preset period; when the repayment period corresponding to the loan approval information is greater than or equal to the preset period, the bank server compares the monthly repayment amount corresponding to the loan approval information with the corresponding The repayment amount is compared; when the repayment amount of the month is greater than the repayment amount to be repaid, the bank server sets the January repayment ratio of the month as the first value; When the repayment amount in this month is equal to the repayment amount, the bank server sets the monthly repayment ratio of the month to 1; when the repayment amount in this month is less than the repayment amount, the bank server sets The monthly repayment ratio of this month is the second value; the average of all the monthly repayment ratios calculated by the bank server is a repayment ratio during the repayment period corresponding to the loan approval information; the The bank server sequentially calculates the transaction amount of the next month minus the transaction amount of the current month in the enterprise transaction data corresponding to the name of the loan enterprise; when the transaction amount of the next month minus the transaction amount of the current month is greater than 0, the bank server Set the January cash flow ratio of the next month as the third value; when the transaction amount of the next month minus the transaction amount of the current month is equal to 0, the bank server sets the monthly cash flow ratio of the next month to 1; the transaction amount of the next month is 1; When the amount minus the transaction amount of the current month is less than 0, the bank server sets the monthly cash flow ratio of the next month as the fourth value; the bank server calculates the average of all the monthly cash flow ratios as the loan A cash flow ratio of the company name during the repayment period; the bank server multiplies the repayment amount during the repayment period by the repayment ratio and then multiplied by the cash flow ratio to calculate a re-checkable The loan amount, or the bank server multiplies the repayment amount during the repayment period by the repayment ratio and then the average value of the cash flow ratio to calculate the re-approved loan amount; and The bank server displays the reapprovable amount. The method for adjusting the re-approved amount according to the repayment information according to claim 5, wherein the method for adjusting the re-approved amount according to the repayment information further comprises the following steps: when the loan corresponding to the re-approval information has been repaid When the loan period is greater than or equal to the preset period, the bank server imports the joint data and corporate transaction data corresponding to the name of the loan company through a corporate finance credit management system according to the name of the loan company in the loan approval information; and the The bank server imports the joint registration data corresponding to the name of the counterparty enterprise through the enterprise financial credit management system according to the enterprise name of the counterparty in the enterprise transaction data. The method for adjusting the re-approved loan amount according to the repayment information according to claim 6, wherein the method for adjusting the re-approved loan amount according to the repayment information further comprises the following steps: the bank server matches the name of the loan company with the loan company name. The credit score of the corresponding joint data is converted into a loan enterprise score ratio according to the credit score range in a conversion table; the bank server converts the joint data corresponding to the business name of the transaction counterparty according to the credit score in the conversion table. The range is converted into a transaction enterprise rating ratio; and the bank server multiplies the repayment amount during the repayment period by the repayment ratio multiplied by the loan enterprise rating ratio and then multiplied by the transaction enterprise rating ratio by Calculate the re-approved loan amount, or the bank server multiplies the repayment amount during the repayment period by the average of the repayment ratio, the loan enterprise rating ratio and the transaction enterprise rating ratio value to calculate the reapprovable amount. The method for adjusting the re-approved loan amount according to the repayment information according to claim 7, wherein the method for adjusting the re-approved loan amount according to the repayment information further comprises the following steps: The bank server sequentially calculates the transaction amount of the next month minus the transaction amount of the current month in the enterprise transaction data corresponding to the name of the loan enterprise; when the transaction amount of the next month minus the transaction amount of the current month is greater than 0, the bank The server sets the monthly cash flow ratio of the next month as the third value; when the transaction amount of the next month minus the transaction amount of the current month is equal to 0, the bank server sets the monthly cash flow ratio of the next month to 1; When the monthly transaction amount minus the current month's transaction amount is less than 0, the bank server sets the monthly cash flow ratio of the next month as the fourth value; the bank server calculates the average of all the monthly cash flow ratios as a cash flow ratio of the name of the loan enterprise during the repayment period; and the bank server sequentially multiplies the repayment amount during the repayment period by the repayment ratio multiplied by the loan enterprise rating ratio multiplied by The transaction enterprise rating ratio is multiplied by the cash flow ratio to calculate the re-approved loan amount, or the bank server multiplies the repayment amount during the repayment period by the repayment ratio, The loan enterprise scoring ratio, the transaction enterprise scoring ratio and the average value of the cash flow ratio are used to calculate the re-approved loan amount.

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