TWM547143U - System for determining amount of loan - Google Patents

Abstract

The present invention provides a system for determining an amount of loan for a loan application/item corresponding to collateral. The system comprises a processing module and a computing module. The processing module receives credit examination information of said loan application/item and its related loan applications, and generates a credit amount tree according to the credit information. The credit amount tree comprises a plurality of credit amount nodes corresponding to the loan application/item and its related loan applications/items, respectively, each credit amount node including corresponding collateral thereunder, wherein a first credit amount node corresponds to the loan application/item. The computing module calculates based on the credit amount tree and a predetermined algorithm to obtain the amount of loan.

Description

System for determining the value of a collateral loan for a loan item

This creation is about a system and method for calculating the collateral value of collateral, in particular, a system and method for determining the collateral value of a collateral item.

In the prior art, when the bank employee obtains the customer's credit review information, the customer data, collateral, and loan information are scattered in each subsystem, and it is difficult for the bank employee to immediately find out when the customer is and what kind of guarantee. How much money has been paid for the goods, or for what kind of loan project. As a result, the same collateral will be over-lending (for example, it is difficult to determine whether the collateral has been used to secure other borrowings when processing the amount of collateral that can be loaned), or it may cause excessive exposure to a single group (because there is no The related information between the group and the subsidiaries may find that the companies that lend money are the same group), which is extremely unfavorable to the lender.

In view of this, the present invention provides a system and method for determining the loan amount of a collateral for a loan project, so as to comprehensively control the loan risk, to solve the above problem, and to maximize the collateral under the premise of fixed risk. Corresponding loan value.

In one aspect, the present disclosure discloses a system for determining a collateral loan value for a loan item, the loan item corresponding to at least one collateral, the system comprising a processing module and a computing module. The processing module is configured to receive credit processing data of the loan item and related loan items, and generate a credit tree according to the credit processing data. The quota tree includes a plurality of credit nodes corresponding to the loan item and its related loan items. Each credit node includes its corresponding collateral, wherein the borrower corresponding to the loan item is a first credit node, and the at least one collateral is included below. The calculation module calculates the collateral loan value of the loan item according to the quota tree and a preset algorithm. The pre-set algorithm is obtained by finding a quota node associated with the first quota node in the credit tree to obtain a set of quota nodes, and calculating and updating the quota node according to the quota occupation/movement history. The loanable amount corresponding to the collateral under each quota node in the collection, thereby obtaining the loanable amount corresponding to the at least one collateral under the first quota node, as the collateral loan value of the loan item.

In some embodiments of the present invention, the set of credit nodes includes at least one credit node directly associated with the first credit node. In other embodiments, the set of credit nodes further includes at least one and a first credit node. Associate the associated quota node. The directly associated credit node is (possibly) directly used to the credit node of at least one of the at least one collateral, and the indirectly associated credit node is (possibly) used under the direct associated credit node. The credit node of the collateral.

In some embodiments of the present invention, the system further includes a display module. According to a specific embodiment of the present invention, in the process of sequentially calculating and updating the loanable amount corresponding to the collateral under each credit node in the set of quota nodes, when there is a collateral corresponding to a quota node, After the loan amount is deducted from the occupied/moved amount, it is a negative value, and the calculation module can display a corresponding notification to the display module.

In some embodiments of the present invention, the system further includes a warning module, which can be connected to the computing module, but the present invention is not limited thereto. According to a specific embodiment of the present invention, in the process of sequentially calculating and updating the loanable amount corresponding to the collateral under each credit node in the set of quota nodes, when there is a collateral corresponding to a quota node, The loan amount is a negative value after deducting the occupied/moved amount, and the alert module sends a corresponding notification, for example, sending an email notification to the relevant contractor.

In some embodiments of the present invention, the system further includes an input module for inputting and/or selecting credit processing materials of the loan item and related loan items.

In another aspect, the present invention provides a method for determining a collateral loan value of a loan item, the loan item corresponding to at least one collateral, the method comprising the steps of: obtaining credit processing materials for the loan item and related loan items; A credit tree is generated according to the credit processing data, and the credit tree includes a plurality of credit nodes corresponding to the loan project and related loan items, and each credit node includes its corresponding collateral, wherein the borrower is the first one. The credit node includes the at least one collateral; the collateral loan value of the loan item is calculated according to the quota tree and a predetermined algorithm. The pre-set algorithm further includes the following steps: (a) finding a quota node associated with the first quota node in the quota tree, and obtaining a set of quota nodes; (b) calculating according to the quota occupation/movement history And updating the loanable amount corresponding to the collateral under each quota node in the set of quota nodes, thereby obtaining the loanable amount corresponding to at least one collateral under the first quota node, as the collateral loan value of the loan item.

In some embodiments of the present invention, the step (a) includes: finding, according to at least one collateral corresponding to the loan item, a credit node directly associated with the first credit node and an indirectly associated credit node to obtain a quota. A collection of nodes. The directly associated credit node is (possibly) directly used to the credit node of at least one of the at least one collateral, and the indirectly associated credit node is (possibly) used under the direct associated credit node. The credit node of the collateral.

In some specific embodiments of the present creation, in step (b), the indirectly associated quota node is preferentially calculated, and then the directly associated credit node is calculated.

In some specific embodiments of the present creation, the order of occupation of each collateral in the step (b) is determined on the principle of retaining the loanable amount corresponding to the at least one collateral.

In some specific embodiments of the present invention, if there is a loanable amount corresponding to the collateral under the credit node in step (b), after subtracting the occupied/moving amount, the value is displayed as a negative value, and then displayed and/or Send a corresponding notification, for example, send an email notification to the relevant contractor.

In some embodiments of the present creation, the method may further include the following batch checking step: recalculating the collateral value of all the credit nodes that are occupied/moved. The batch inspection step can be performed periodically, for example, once a day. In this way, the collateral loan value can be updated and confirmed periodically. If the collateral loan value is less than the actual loan amount, the notice can be automatically sent to the relevant contractor.

The system of this creation can be used to implement the method of this creation.

Other objects and advantages of the present invention are described in the following description or may be understood by the embodiments of the present invention. It is to be understood that the foregoing description of the present invention and the following description of the present invention are intended to be illustrative and illustrative only.

All technical and scientific terms used herein have the meaning as commonly understood by one of ordinary skill in the art to which the present invention pertains, unless otherwise indicated. In addition, the word "a" used in the specification, unless otherwise specified, means the quantity of at least one (one or more).

In one aspect, the present disclosure provides a system for determining a collateral loan value for a loan item, the loan item corresponding to at least one collateral. Referring to FIG. 1, FIG. 1 is a block diagram of a system for determining a collateral value of a loan item according to a specific embodiment of the present invention. In this embodiment, the system 1 for determining the collateral value of a loan item includes an input module 11, a processing module 12, a computing module 13, a display module 14, and a Warning module 15. Moreover, in the specific embodiment, the loan item is a short-term loan item.

The input module 11 is used to input/select the credit processing materials of the loan item and its related loan items. In this embodiment, the input module is a keyboard and/or a mouse. In other embodiments, the input module 11 can be a touch screen or a voice input module, etc., and any credit review document that can be used to input/select the loan item and related loan items belongs to the present creation. Since the input module 11 is in the category, the creation does not limit the type of the input module 11.

The processing module 12 is coupled to the input module 11 for receiving credit processing materials of the loan item and related loan items. In practical applications, the processing module 12 may be connected to the input module 11 by wire or wirelessly, or may be stored in another database or storage module of the credit processing data of the loan item and its related loan items ( The credit processing information is obtained or remitted in the figure (not shown). In addition, the processing module 12 generates a credit tree 19 based on the credit processing data, and the credit tree 19 may or may not be displayed to the user. Referring to FIG. 2, FIG. 2 is a schematic diagram of a quota tree according to a specific embodiment of the present creation. As shown in the figure, in the specific embodiment, the credit tree 19 includes a client node 191, a plurality of client subsidiary nodes A@, B@, C@, D@, and E@, and a plurality of comprehensive credit nodes A0 and B0. , C0, D0 and E0 and a plurality of credit nodes A1, A2, B1, B2, C1, C2, D1, D2, E1 and E2. In some embodiments, the processing module 12 is implemented by a storage unit and a processing unit of the computer, with or without software technology.

Among them, the customer is, for example, a group, and the customer subsidiary nodes A@, B@, C@, D@, and E@ are respectively corresponding to the group's subsidiaries A, B, C, D, and E, respectively. Nodes A0, B0, C0, D0, and E0 respectively correspond to the combined amount of individual companies, and the credit nodes A1, A2, B1, B2, C1, C2, D1, D2, E1, and E2 respectively correspond to different loan items (for example: The quota node A1 corresponds to the short-term loan item, and the quota node A2 corresponds to the export billing item). The collateral loan value of the short-term loan lending item of Company A to be determined in the specific embodiment is the first-degree node in the specific embodiment as the credit node A1.

Furthermore, each credit node includes its corresponding collateral. As shown in FIG. 2, in the specific practical example, the credit node A1 corresponds to the collateral 2, the collateral 3 and the collateral 4, the credit node B1 corresponds to the collateral 1 and the collateral 3, and the credit node C1 corresponds to the collateral. 2. Collateral 3 and collateral 5, the quota node D1 corresponds to the collateral 4, the collateral 5 and the collateral 6, the credit node D2 corresponds to the collateral 6, and the credit node E1 corresponds to the collateral 6 and the collateral 7.

The calculation module 13 is coupled to the processing module 12, and calculates a collateral loan value of the loan item according to the credit tree 19 and a preset algorithm. The pre-set algorithm is obtained by finding a quota node associated with the first credit node in the quota tree 19 to obtain a set of quota nodes. The set of credit nodes includes at least one credit node that is directly associated with the first credit node, and/or at least one credit node that is associated with the first credit node association. The directly associated credit node is a credit node that uses at least one of the at least one collateral, and the indirectly associated credit node is a credit node that uses other collaterals under the directly associated credit node.

In addition, the pre-set algorithm calculates and updates the loanable amount corresponding to the collateral under each credit node in the quota node set according to the quota occupation/movement history, thereby obtaining at least the first quota node The loanable amount corresponding to a collateral is used as the collateral value of the loan item. The order of occupation of each collateral is determined by the principle of retaining the loanable amount corresponding to the at least one collateral (in the present embodiment, namely, collaterals 2, 3, 4). In the above sequential calculation process, the calculation module 13 can calculate the instantaneous value of each collateral according to the instantaneous exchange rate information and the like.

The display module 14 is coupled to the computing module 13, which in this embodiment is a computer screen. In other embodiments, the display module 14 can be a mobile phone screen or a flat screen, etc., and the type of the display module 14 is not limited herein. In addition, a notification may be displayed by the display module 14 when the loanable amount corresponding to the collateral under the credit node is deducted from the occupied/moved amount.

The warning module 15 is coupled to the computing module 13 to send a notification when the loanable amount corresponding to the collateral under a credit node is a negative value after deducting the occupied/moved amount. In an actual application, the notification sent by the warning module 15 may be a sound, a warning window or an email, etc., but is not limited thereto.

The content of the above is the introduction of each component in the system 1 for determining the collateral value of the collateral for a loan project. The usage of the system 1 for determining the collateral value of a loan item is as follows. .

First, a user (for example, a banking practitioner) uses the input module 11 to input credit processing materials for a customer's loan project and related lending items, or enter the amount of the proposed allocation for the loan project. In the specific embodiment, the loan item is a short-term loan project of Company A, and the amount of the proposed allocation is 7,000 USD. Alternatively, the user can use the input module 11 to select the short-term loan item of Company A as the loan item, and then the processing module 12 automatically searches for the loan item related to the loan item, and automatically obtains the loan item and related loan. Credit processing information for the project.

The processing module 12 then generates a credit tree 19 (shown in FIG. 2) based on the credit processing data, and the credit tree 19 includes a plurality of credit nodes. Among them, the short-term lending item corresponding to company A is a first quota node, that is, the quota node A1.

Next, the calculation module 13 finds the directly associated credit node associated with the credit node A1 and the indirectly associated credit node according to the quota tree 19 and a preset algorithm to obtain a quota node set. As shown in FIG. 2, the credit node A1 corresponds to the collateral 2, the collateral 3, and the collateral 4, and the quota node used for the collateral 2 is the credit node A1 and the credit node C1, and the quota node used for the collateral 3 is The credit node A1, the credit node B1, and the credit node C1 use the credit node of the collateral 4 as the credit node A1 and the credit node D1. Therefore, the quota nodes found directly associated with the credit node A1 are the credit node A1, the credit node B1, the credit node C1, and the credit node D1.

In addition, in addition to collateral 2, collateral 3 and collateral 4, the collateral used by the quota node A1, the quota node B1, the quota node C1 or the quota node D1 is also collateral 1, collateral 5, collateral 6 And the collateral 7, and the use of collateral 1, collateral 5, collateral 6 or collateral 7, except for the credit node directly associated with the quota node A1 (amount node A1, quota node B1, quota node C1, and credit node) In addition to D1), there is a quota node D2 and a credit node E1, which is the found credit node indirectly associated with the credit node A1. In the past, the obtained set of credit nodes includes the following credit nodes: the credit node A1, the credit node B1, the credit node C1, the credit node D1, the credit node D2, and the credit node E1.

Then, according to the quota occupation/movement history, the calculation order of the collateral loan value of each credit node in the quota node set is determined (that is, the calculation in the foregoing “calculating and updating each quota node in the quota node set...” order). Among them, it is preferred to calculate the indirectly associated quota node first, and then calculate the directly associated credit node. For example, in the specific embodiment, the occupation/movement history that has occurred is as follows: the quota node E1, the usage allocation date is November 30, and the amount is US$9,500; the quota node B1, the usage allocation occupation date is On December 1st, the amount is US$4,000; the quota node D1, the usage allocation date is December 2, the amount is US$11,500; and the quota node C1, the usage allocation date is December 3, the amount is US$5,000. yuan. The date of the collateral loan value of the loan project (corresponding to the quota node A1) is December 4, and the amount is US$7,000. In addition, the quota node D2 has no record of occupancy/movement. The order of sorting is from old (date in the former) to new (date in the latter), and no use of the allocation/moving history does not need to be added to the sorting (it can also be regarded as the deletion/moving in the set of deleted quota nodes) The quota node). Therefore, the order of the order (the order of calculation is from first to last) is as follows: the quota node E1 (the indirectly associated quota node) is preferentially calculated, and the directly associated quota node is then sequentially ranked on the quota node B1 according to the occupation/movement history. The node D1 and the credit node C1 calculate the collateral loan value, and finally calculate the collateral loan value of the quota node A1.

However, the ranking method of each credit node in the set of quota nodes is not limited to the quota occupation/movement history (but in principle, the credit node that calculates the indirect association is preferred). In other specific embodiments of the present invention, each credit node in the set of quota nodes may also be sorted according to the occupancy/movement effective date of each quota node and the quota number; in addition, if a quota node has multiple dialing records, The last time or the maximum amount of the dialing time can be taken as the basis for sorting. The system may allow the user to make corresponding selections and adjustments depending on the actual situation and needs of the user.

In the process of sequentially calculating and updating the loanable amount corresponding to the collateral under each quota node in the quota node set, the calculation may be performed according to the occupation order of each collateral. The order of occupation of each collateral may be determined according to a predetermined rule, which is to retain as much as possible the loanable amount corresponding to the at least one collateral (in this embodiment, collateral 2, 3, 4) For the principle. In this embodiment, the predetermined rule is: the indirect collateral priority, and the smaller number of credit nodes directly associated with the collateral are preferred. In detail, according to the calculation order of the aforementioned quota nodes, the collateral corresponding to the credit node E1 is calculated as the collateral 6 and the collateral 7 respectively, wherein the collateral 6 and the collateral 7 are relative to the quota node A1. All are indirect collateral (that is, not the collateral corresponding to the quota node A1), but the number of quota nodes directly associated with the collateral 7 is one (the credit node E1), and the number of the credit nodes directly associated with the collateral 6 is three ( The quota nodes D1, D2 and E1), so the occupation order of the collateral 7 takes precedence over the collateral 6. Therefore, when calculating the collateral loan value of the credit node E1, the collateral 7 is used preferentially, and the collateral 6 is used. According to this calculation, in the end, the collateral value (creditable amount) of the collateral 2, collateral 3 and collateral 4 corresponding to the quota node A1 can be obtained as 5358.20 dollars, as shown in FIG. 4A-8B.

As shown in FIG. 4A and FIG. 4B, the calculation module 13 calculates the collateral value of the credit node E1 (corresponding to the collaterals 6 and 7) according to the obtained (instant) collateral value, which is US$14,680, and the quota node E1 has already occupied/distributed the amount of US$9,500, which has not exceeded the collateral loan value, and after calculating the occupation/movement, the collateral 7 is preferentially occupied, and the corresponding (remaining) loanable amount is 0. The (remaining) loanable amount corresponding to item 6 is US$1,709.34. The (remaining) loanable amount corresponding to the updated collateral can be stored in a storage module or database (not shown in the drawings), but not limited to this.

As shown in FIG. 5A and FIG. 5B, the calculation module 13 calculates the quota node B1 according to the obtained (instant) collateral value and the (remaining) loanable amount corresponding to the updated collateral (corresponding to the collateral 1 and 3) The collateral value of the collateral is HK$59,173.96, and the amount of the occupied node/B1 has been 4,000 yuan (converted to HK$31,428.40), which has not exceeded the collateral value and calculated the occupancy/movement. After dialing, the respective (remaining) loanable amount of collateral 1 and 3.

As shown in FIG. 6A and FIG. 6B, the calculation module 13 then calculates that the collateral loan value of the credit node D1 (corresponding to the collaterals 4, 5, and 6) is US$16,553.20, and the quota node D1 has already occupied/moved the amount. For US$11,500, the collateral loan value has not been exceeded, and the (remaining) loanable amount of each of collaterals 4, 5 and 6 is calculated after the occupancy/movement.

As shown in FIGS. 7A and 7B, the calculation module 13 then calculates that the collateral value of the credit node C1 (corresponding to the collaterals 2, 3, and 5) is 4,639.80 euros, and the amount of the occupied node C1 has been occupied/moved. US$5,000 (converted to 3,666.50 euros), has not exceeded the collateral loan value, and calculates the (remaining) loanable amount of each of collaterals 2, 3 and 5 after the occupancy/movement.

Finally, as shown in FIGS. 8A and 8B, the calculation module 13 calculates the quota node A1 (corresponding to the collateral according to the obtained (instant) collateral value and the (remaining) loanable amount corresponding to the updated collateral. The collateral value of collaterals of 2, 3 and 4) is US$5,358.20.

However, the order of occupation of each collateral is not limited to the principle that the indirect collateral is preferred and the number of quota nodes directly associated with the collateral is preferred. In other specific embodiments of the present invention, the order of occupation of each collateral can be determined according to the principle of the size of the guarantee, the size of the serial number, etc. The system of the creation can allow the user to select and adjust according to the actual situation and needs of the use. . For example, if the second collateral is of the same type, the order of use can be determined according to the principle of the size of the guarantee, the size of the serial number, and the like.

In this embodiment, since the amount of the appropriation for customer demand is US$7,000, the loan amount of 5358.20 corresponding to the collateral 2, collateral 3 and collateral 4 of the quota node A1 is insufficient to guarantee the loan. Therefore, the display module and the warning module can display or inform the user of the fact that the loan amount can be less than the amount of the appropriation, and make subsequent decisions. For example, the user can simply refuse the customer's loan request based on the fact that the loanable amount is less than the amount of the loan, or the user can request the customer to provide other collateral other than the collateral 1~7 to make up the loanable amount and The difference between the amount of the appropriation used.

It should be noted that the above-mentioned method of using the system 1 for determining the collateral value of a loan item is merely an example, not a single mode. In contrast to the above-mentioned method of calculating the loanable amount in real time, for example, the system 1 for determining the collateral value of a collateral for a loan item is also automatically executed at a specific time, and is electrically connected to one. The collateral evaluation system (not shown in the figure) automatically calculates the loanable amount of the collateral in the amount tree 19, and if the loanable amount is less than or equal to the historical amount of the user who has loaned the customer, the warning system 15 will automatically notify the user or customer, request to make up the collateral. Therefore, the operation mode of the system 1 for determining the collateral value of a collateral for a loan item is not limited herein.

On the other hand, the present creation provides a method for determining the collateral value of a loan item. Please refer to FIG. 3. FIG. 3 is a flow chart of a method for determining a collateral loan value of a loan item according to a specific embodiment of the present invention. As shown in the figure, in the specific embodiment, the method for determining the collateral value of a loan item of the present invention comprises the following steps: (S21) obtaining credit processing materials of the loan item and related loan items; (S22) a credit tree is generated according to the credit processing data, and the credit tree includes a plurality of credit nodes corresponding to the loan project and related loan items, and each credit node includes its corresponding collateral, wherein the borrower is a A quota node; (S23) calculating the collateral loan value of the loan item according to the quota tree and a preset algorithm.

Wherein, in step (S23), the pre-set algorithm further includes the following steps: (a) finding a quota node associated with the first quota node in the quota tree, and obtaining a quota node set; (b) occupying according to the quota/ The driving process calculates and updates the loanable amount corresponding to the collateral under each credit node in the set of quota nodes, thereby obtaining the loanable amount corresponding to at least one collateral under the first quota node, as a loan The collateral value of the project.

In addition, in the specific embodiment, the step (a) includes: finding, according to the at least one collateral corresponding to the loan item, a credit node directly associated with the first credit node and an indirectly associated credit node, Get the set of quota nodes. The order of occupation of each collateral in step (b) is determined by the principle of retaining the loanable amount corresponding to the at least one collateral, and if there is a loanable amount corresponding to the collateral under the quota node, the deduction is A negative value is used to display and/or send a notification.

In particular, the method of the present invention can be implemented by hardware technology, software technology, or a combination thereof. For example, the method can be implemented by the system of the present invention for determining the collateral value of a loan item. Therefore, the embodiments of the system for the present invention as described above can also be applied to the method of the present creation. However, it should be noted that the method of creation is not limited to being implemented by a system such as this creation.

The features and spirit of the present invention are intended to be more apparent from the detailed description of the preferred embodiments. On the contrary, it is intended to cover a variety of variations and equivalent arrangements within the scope of the scope of the patent application.

1 ‧‧‧System for determining the value of collateral for a loan project
11 ‧‧‧Input module
12 ‧‧‧Processing module
13 ‧‧‧Computation Module
14 ‧‧‧ display module
15 ‧‧‧Warning module
19 ‧‧‧Street
191 ‧‧‧Customer Node
A@ , B@ , ... , E@ ‧‧‧Customer subsidiary nodes
A0 , B0 , ... , E0 ‧‧‧ comprehensive quota node
A1 , A2 , B1 , B2 , ... , E1 , E2 ‧‧‧
S21~S23 ‧‧‧Step process

1 is a block diagram of a system for determining a collateral deposit value for a loan item, according to one embodiment of the present writing.

2 is a schematic diagram of a quota tree according to a specific embodiment of the present creation.

3 is a flow chart of a method for determining a collateral loan value for a loan item, according to a specific embodiment of the present invention.

4A-8B illustrate a process of calculating and updating the creditable amount corresponding to the collateral under each credit node in the set of quota nodes in a specific embodiment of the present invention. 4A and FIG. 4B are diagrams illustrating a calculation process for the credit node E1 of FIG. 2; FIGS. 5A and 5B are diagrams illustrating a calculation process for the credit node B1 of FIG. 2; FIGS. 6A and 6B are diagrams for the credit node D1 of FIG. The calculation process; FIGS. 7A and 7B illustrate the calculation process for the credit node C1 of FIG. 2; and FIGS. 8A and 8B illustrate the calculation process for the credit node A1 of FIG.

1 ‧‧‧System for determining the value of collateral for a loan project

11 ‧‧‧Input module

12 ‧‧‧Processing module

13 ‧‧‧Computation Module

14 ‧‧‧ display module

15 ‧‧‧Warning module

Claims (7)

A system for determining a collateral value of a loan item, the loan item corresponding to at least one collateral, the system comprising: a processing module for receiving credit processing information of the loan item and related lending item, and Generating a credit tree according to the credit processing data, where the credit tree includes a plurality of credit nodes corresponding to the borrowing item and related loan items, and each credit node includes a corresponding collateral, wherein the borrowing item corresponds to the borrowing item The first quota node includes the at least one collateral; and a computing module coupled to the processing module, the computing module calculating the loan according to the quota tree and a predetermined algorithm The collateral loan value of the item; wherein the predetermined algorithm is obtained by finding a quota node associated with the first quota node in the credit tree to obtain a set of quota nodes, and according to the quota occupation/movement history, Calculating and updating the loanable amount corresponding to the collateral under each quota node in the quota node set, thereby obtaining the first The at least one collateral can be lent amount corresponding to the degree of the node, as a guarantee of the product lending program lenders value. The system of claim 1, wherein the set of credit nodes comprises at least one credit node directly associated with the first credit node, and/or at least one credit node associated with the first credit node association. The system of claim 1 further includes a display module coupled to the computing module. For example, in the system of claim 3, when the amount of the loanable amount corresponding to the collateral under the credit node is deducted from the occupied/moved amount, the display module displays a notification. The system of claim 1 further includes a warning module coupled to the computing module. The system of claim 5, wherein when the amount of the loanable amount corresponding to the collateral under the credit node is deducted from the occupied/moved amount, the notification is sent by the warning module. The system of claim 1 further includes an input module coupled to the processing module for inputting and/or selecting credit processing materials for the loan item and related lending items.