WO2018166105A1 - 贷款额度测算方法、装置、服务器和存储介质 - Google Patents

贷款额度测算方法、装置、服务器和存储介质 Download PDF

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Publication number
WO2018166105A1
WO2018166105A1 PCT/CN2017/090581 CN2017090581W WO2018166105A1 WO 2018166105 A1 WO2018166105 A1 WO 2018166105A1 CN 2017090581 W CN2017090581 W CN 2017090581W WO 2018166105 A1 WO2018166105 A1 WO 2018166105A1
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loan
applicant
amount
quota
comprehensive
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French (fr)
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侯丽
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Ping An Technology Shenzhen Co Ltd
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Ping An Technology Shenzhen Co Ltd
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    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/03—Credit; Loans; Processing thereof

Definitions

  • the present invention relates to the field of computer technology, and in particular, to a loan amount calculation method, apparatus, server, and storage medium.
  • Microfinance loans are comprehensive consumer loans centered on individuals and small and medium-sized enterprises.
  • the loan amount is generally below 300,000.
  • the bank will review the application materials submitted by the applicant and measure the loan amount. Since the application amount of microfinance is low, the bank usually only measures the loan amount based on the applicant's mortgage loan, and the measurement dimension is relatively simple. If the applicant still has other loans, such as car loans, policy loans, etc., and these loans are ignored and not used for loan amount calculation, then the measured loan amount is not accurate enough.
  • a loan amount calculation method is provided.
  • a method for calculating a loan amount comprising:
  • a loan amount measuring device comprising:
  • a receiving module configured to receive a loan request sent by the client terminal, where the loan request carries the applicant information and the application quota;
  • An obtaining module configured to obtain an applicant's loan record according to the applicant information, where the loan record includes a plurality of loan businesses;
  • the calculating module is configured to calculate a comprehensive amount corresponding to the loan request according to the plurality of loan businesses;
  • a judging module configured to determine whether the comprehensive quota is greater than or equal to the application quota
  • the prompting module is configured to generate prompt information for issuing a loan to the applicant according to the application quota, and send the prompt information to the client terminal, if the comprehensive quota is greater than or equal to the application quota.
  • a server comprising a memory and a processor, the memory storing computer executable instructions, the computer executable instructions being executed by the processor, such that the processor performs the following steps:
  • the loan record comprising a plurality of loan businesses
  • One or more non-volatile readable storage media storing computer executable instructions, said meter When the computer executable instructions are executed by one or more processors, cause the one or more processors to perform the following steps:
  • the loan record comprising a plurality of loan businesses
  • 1 is an application scenario diagram of a method for calculating a loan amount in an embodiment
  • FIG. 2 is a flow chart of a method for calculating a loan amount in an embodiment
  • Figure 3 is a block diagram of a server in one embodiment
  • FIG. 4 is a block diagram of a loan amount measuring device in one embodiment.
  • the loan amount calculation method provided in the embodiment of the present application can be applied to the application scenario shown in FIG. 1 .
  • the client terminal 102 is connected to the server 104 via a network.
  • the applicant sends a loan request for the microloan to the server 104 through the client terminal 102, and the loan request carries the applicant information and the application quota.
  • the server 104 receives the loan request sent by the client terminal 102.
  • the server 104 retrieves the corresponding loan record in the database according to the applicant identification, and obtains the applicant's loan record. A number of loan businesses can be included in the loan record.
  • the server 104 measures the corresponding amount of the applicant according to the plurality of loan businesses.
  • the server 104 calculates the comprehensive quota of the applicant's current micro-loan
  • the comprehensive amount is compared with the application quota. If the comprehensive quota is greater than or equal to the application quota, the loan may be issued to the applicant according to the application quota, and the server 104 generates the basis.
  • the application amount is to issue the loan information to the applicant.
  • the server 104 can send the prompt information to the client terminal 102. Since the comprehensive amount is calculated based on the comprehensive measurement of a number of loan businesses, the measurement dimension is more comprehensive, which can effectively improve the accuracy of the calculation of the micro loan amount.
  • a loan amount calculation method is provided. It should be understood that although the steps in the flowchart of FIG. 2 are sequentially displayed as indicated by the arrows, these steps are not necessarily in accordance with The order indicated by the arrows is performed in order. Except as explicitly stated herein, the execution of these steps is not strictly limited, and may be performed in other sequences. Moreover, at least some of the steps in FIG. 2 may include a plurality of sub-steps or stages, which are not necessarily performed at the same time, but may be executed at different times, and the order of execution thereof is not necessarily This may be performed in sequence, but may be performed alternately or alternately with other steps or at least a portion of the sub-steps or stages of the other steps.
  • the method is applied to the server in FIG. 1 as an example, and specifically includes:
  • Step 202 Receive a loan request, where the loan request carries the applicant information and the application quota.
  • Step 204 Obtain an applicant's loan record according to the applicant information, and the loan record includes a plurality of loan businesses.
  • Step 206 Calculate the comprehensive quota corresponding to the applicant according to the plurality of loan businesses.
  • the client terminal can submit a loan request to the bank's server through the client terminal. You can also submit a loan request to the bank counter.
  • Bank counter staff accepts applications
  • the application information submitted by the person enters the application information required for the microloan through the acceptance terminal of the counter.
  • the receiving terminal generates a loan request by using the application information, and sends a loan request to the bank's server.
  • the server receives the loan request sent by the client terminal or the receiving terminal.
  • the loan request carries the application information.
  • the application information includes the applicant information and the application amount.
  • the applicant information includes the applicant identification.
  • the server retrieves the corresponding loan record in the database according to the applicant identification, and obtains the applicant's loan record.
  • loan business includes: mortgage, car loan and policy loan. Each loan business can be considered as a measurement dimension.
  • the server obtains a plurality of loan business according to the loan record, which means that the server can comprehensively calculate the loan amount of the micro loan from multiple measurement dimensions.
  • the loan business has a number of measurement projects.
  • the calculation items include: capped amount, maximum double amount, income recognition amount, asset ratio amount and liability amount.
  • the step of calculating the comprehensive amount corresponding to the applicant according to the plurality of loan services includes: obtaining a plurality of measurement items corresponding to the loan business; and calculating each of the plurality of loan businesses by using the measurement model or the measurement coefficient respectively.
  • the amount of the minimum amount of the same measurement item is extracted from the plurality of loan business as the measurement quota of the measurement item, and the measurement quota corresponding to the plurality of measurement items is obtained; the minimum value of the measurement quota corresponding to the plurality of measurement items is extracted as the loan request.
  • Corresponding comprehensive amount is: obtaining a plurality of measurement items corresponding to the loan business; and calculating each of the plurality of loan businesses by using the measurement model or the measurement coefficient respectively.
  • the calculation items for car loans and policy loans can all be the same.
  • mortgages can also include other measurement items.
  • Table 1 it is a measurement project corresponding to a plurality of loan businesses, wherein ⁇ indicates that the loan business includes the measurement item; - indicates that the loan business does not include the measurement item.
  • the server obtains the measurement items corresponding to each loan business, and each measurement item has a corresponding measurement model or measurement coefficient, and different test items may have different measurement models or measurement coefficients.
  • the test coefficients may include a first measurement coefficient and a second measurement coefficient.
  • the server calculates the amount of each measurement item according to the calculation model or the measurement coefficient. In this way, it is possible to accurately calculate the amount of each measurement item corresponding to a plurality of loan businesses.
  • the server can set a quota interval corresponding to the small loan for each loan business, and the server can obtain the cap quota according to the quota interval.
  • the capping quota has a corresponding measurement model. Entering the different business loan business into the measurement model, the corresponding capping amount can be obtained.
  • the capped amount is the maximum amount of microfinance that can be issued. For example, the amount of the microfinance corresponding to the quota range is 30,000 to 500,000, then the capped amount is 500,000.
  • the server sets the maximum multiple of the microfinance for each loan business.
  • the highest multiple is the highest multiple of the monthly repayment or annual repayment amount.
  • the highest multiple can also be referred to as the corresponding measurement coefficient, such as the first measurement coefficient.
  • the highest multiples of different loan businesses can be the same or different.
  • the maximum multiple of the microloan corresponding to the mortgage is 30, and the highest multiple of the microloan corresponding to the mortgage loan can also be 30.
  • the same loan business may have different maximum multiples if the applicant's remaining repayment time is different.
  • the highest multiple of the microloan corresponding to the mortgage if the remaining repayment time is greater than 12 months, the highest multiple is 45.
  • the highest multiple can be 30.
  • the server obtains the corresponding maximum multiple according to the loan business, and obtains the corresponding monthly repayment amount or annual repayment amount according to the loan business, and calculates the highest multiple amount corresponding to the loan business according to the highest multiple and the repayment amount or the annual repayment amount.
  • Revenue recognition can be used to indicate the applicant's ability to repay.
  • the server can set a corresponding coefficient for the income recognition of each loan business, which can also be called a second measurement coefficient. Different loan businesses can set different income recognition factors. For example, the income recognition coefficient of the microloan corresponding to the mortgage loan may be 3, and the income recognition coefficient of the microloan corresponding to the car loan may be 6 or the like.
  • the server can calculate the income recognition according to the monthly repayment amount or the annual repayment amount of the loan business and the corresponding income recognition coefficient. Quota.
  • the asset scale can be used to assess the value of the applicant's mortgaged property. This item can be applied to mortgages.
  • the proportion of the assets may be calculated according to the first preset ratio of the purchase price of the real estate corresponding to the mortgage, or may be calculated according to the total amount of the mortgage and the second preset ratio.
  • the first preset ratio may be referred to as a third measurement coefficient
  • the second preset ratio may be referred to as a fourth measurement coefficient.
  • the debt-to-income ratio that is, the ratio of the liability amount to the income quota
  • the debt-to-income ratio can reflect the financial status of the applicant in a certain period of time, and control the debt-to-income ratio within a certain ratio to ensure the applicant's solvency in the short term.
  • the debt-to-income ratio can also be called the fifth measurement coefficient.
  • the server can calculate the debt-to-income ratio and the income-recognition quota to obtain the liability amount. For different loan businesses, if the income recognition amount is different, the debt amount of the microfinance corresponding to different loan businesses is also different.
  • the server extracts the minimum amount of the same measurement item in a plurality of loan business, and uses it as the measurement quota of the measurement item. With this server, the measurement quota corresponding to multiple measurement items can be obtained. The server extracts the minimum value of the measurement quota corresponding to the plurality of measurement items, and uses it as the comprehensive quota of the applicant's current micro-loan.
  • Step 208 Determine whether the comprehensive quota is greater than or equal to the application quota; if yes, proceed to step 210, otherwise, generate prompt information that the application quota exceeds the quota.
  • Step 210 Generate prompt information for issuing a loan to the applicant according to the application quota, and send the prompt information to the client terminal.
  • the server After the server calculates the comprehensive quota of the applicant's current micro-loan, it compares the comprehensive amount with the application quota. If the comprehensive quota is greater than or equal to the application quota, the loan can be issued to the applicant according to the application quota, and the server generates the application according to the application quota. A reminder message to the applicant for the loan.
  • the server can send a prompt message to the client terminal. If the comprehensive amount is less than the application quota, the server may reject the loan request and generate a prompt message that the application quota exceeds the quota. Server will apply The prompt information exceeding the limit is sent to the client terminal to let the applicant know the loan status. The applicant can adjust the application quota according to the comprehensive amount carried in the prompt information, and apply for a small loan again.
  • the applicant's loan record is obtained according to the applicant information, and the comprehensive amount corresponding to the loan request is calculated according to the plurality of loan businesses in the loan record. If the calculated comprehensive amount is greater than or equal to the application quota, the loan can be issued to the applicant according to the application quota. Since the comprehensive amount is calculated based on the comprehensive measurement of a number of loan businesses, the measurement dimension is more comprehensive, which can effectively improve the accuracy of the calculation of the micro loan amount.
  • the measuring item includes income recognition and liabilities
  • the steps of calculating the amount of each of the plurality of loan business calculation items respectively include: obtaining a monthly repayment amount or an annual repayment amount corresponding to the plurality of loan businesses; The amount of the amount of payment or the annual repayment amount respectively calculate the degree of income recognition corresponding to the plurality of loan businesses; obtain the liability determination amount of the unsecured and/or unpledge loan corresponding to the applicant's logo; and calculate the amount of the income recognition amount and the liability determination amount respectively.
  • the server may obtain the monthly repayment amount or the annual repayment amount and the income recognition coefficient corresponding to the plurality of loan businesses, and calculate the income recognition amount corresponding to each loan business.
  • the income recognition coefficient may be preset by the server according to different loan business.
  • the monthly repayment amount or the annual repayment amount may be the monthly repayment amount of each loan business of the applicant in the month of applying for the microfinance loan or the annual repayment amount of the current year.
  • Income recognition amount monthly repayment amount or annual repayment amount * income recognition coefficient.
  • the ratio of debt to income can reflect the financial status of the applicant within a certain period of time. Controlling the debt-to-income ratio within a certain ratio can ensure the applicant's solvency in the short term, thus effectively reducing the loan risk.
  • the server can calculate the liability amount based on the liability, the debt-to-income ratio, and the income-recognition quota.
  • the liability determination includes the applicant's own unsecured and/or unpledge loan liabilities, including credit cards, credit loans and guaranteed loans.
  • the liability determination amount can be calculated based on the monthly repayment amount.
  • the server can obtain the corresponding credit report according to the applicant ID, and withdraw the debt in the credit report. The amount, or the monthly repayment amount based on the loan amount, loan term and benchmark interest rate in the credit report.
  • the server calculates the amount of debt recognition for unsecured loan monthly repayment, non-pledge loan monthly repayment amount, and credit card usage quota.
  • the server utilizes a plurality of liability determination quotas, debt-to-income ratios, and income recognition quotas to calculate the amount of liabilities corresponding to the loan business.
  • the liability amount (revenue recognition * 75% - (unsecured loan monthly repayment amount + non-pledge loan monthly repayment amount + credit card 6-month average usage amount)) * 10. Since the income recognition amount is different for different loan businesses, the debt amount corresponding to different loan businesses may be different.
  • the server can calculate the liability amount corresponding to each loan business separately, and extract the minimum debt receipt amount, which is used as the liability amount corresponding to the microfinance loan. Since the liability amount is calculated based on the debt-to-income ratio, the number of liabilities for a number of unsecured and/or unpledge loans, and the amount of income recognition, the debt-to-income ratio is controlled within a ratio that ensures the applicant’s short-term solvency. Therefore, the calculated liability amount can also be within the scope of the applicant's solvency, which can effectively reduce the loan risk.
  • the method further includes: if the comprehensive amount is less than the application quota, further determining whether the comprehensive quota is greater than or equal to a second preset value; if the comprehensive amount is greater than or If the second preset value is equal to the second predetermined value, the prompt information for issuing the loan to the applicant according to the comprehensive quota is sent to the client terminal according to the comprehensive quota, and if the comprehensive quota is less than the second preset value, the rejection is generated.
  • the prompt information of the loan is issued to the applicant, and the prompt information for refusing to issue the loan to the applicant is sent to the client terminal.
  • the server further determines whether the comprehensive quota is greater than or equal to the second preset value.
  • the second preset value may be the lowest value of the micro loan amount interval. If the comprehensive amount is greater than or equal to the second preset value, the loan may be issued to the applicant according to the comprehensive amount, and the server generates prompt information for issuing the loan to the applicant according to the comprehensive quota. For example, if the quota interval is 30,000 to 500,000, the server can compare the comprehensive quota with 30,000. If it is greater than 30,000, the server can generate a prompt message for issuing a loan to the applicant according to the comprehensive quota. The server can send the prompt information to the client terminal to make the applicant aware of the loan issuance amount. So as to effectively reduce the risk of loans, we can For small loan services.
  • the applicant information includes applicant basic information
  • the application basic information includes the applicant identification.
  • the method further includes: obtaining the applicant credit information according to the applicant identifier; and according to the applicant basic information.
  • the applicant's credit information calculates the application score corresponding to the applicant; determines whether the application score is greater than or equal to the first preset value; if yes, performs the step of obtaining the applicant's loan record according to the applicant information; if not, generates a rejection
  • the prompt information of the loan request sends the prompt information for rejecting the loan request to the client terminal.
  • the server after receiving the loan request from the applicant, the server will also rate the applicant before the loan amount is calculated, thereby evaluating the applicant's ability to repay the loan. If the applicant's score is less than the first preset value, it means that the applicant's loan repayment ability is poor, and the loan risk is large. If the applicant's score is greater than or equal to the first preset value, it means that the applicant's repayment ability is good and the loan risk is small.
  • the server obtains the credit report of the applicant within a preset time according to the applicant identifier.
  • the credit report includes a number of credit information.
  • the server obtains a scoring rule, which includes multiple scoring items, scoring conditions, and scoring criteria, as shown in Table 2 below.
  • the server calculates the score corresponding to each score item according to the applicant's credit information and the score item, and accumulates the scores of all the score items to obtain the applicant's application score for the micro-loan.
  • the server compares the applicant's application score with the first preset value, and if it is greater than or equal to the first preset value, further calculates the loan amount. Otherwise, the server generates a prompt to reject the loan request.
  • the server scores the applicant to understand the applicant's ability to repay the loan before measuring the loan amount. If the applicant's repayment ability is poor, the loan request is rejected, and the quota calculation is no longer carried out, which effectively reduces the loan risk.
  • a server 300 includes a processor 301, an internal memory 302, a non-volatile storage medium 303, and a network interface 304 that are coupled by a system bus.
  • the processor 301 of the server 300 is used to provide computing and control capabilities.
  • An operating system 3031 and computer readable instructions 3032 are stored in the non-volatile storage medium 303 of the server 300.
  • the internal memory 302 of the server 300 provides an environment for the operation of operating systems and computer readable instructions in a non-volatile storage medium.
  • the computer readable instructions 3032 when executed by the processor, may cause the processor 301 to perform a loan amount measurement method.
  • the network interface 304 of the server 300 is configured to communicate with an external terminal via a network connection, such as receiving a loan request uploaded by the client terminal, sending a prompt message to the client terminal, and the like.
  • the server 300 can be implemented by a stand-alone server or a server cluster composed of a plurality of servers. Those skilled in the art can understand that the structure shown in FIG. 3 is only a block diagram of a partial structure related to the solution of the present application, and does not constitute a limitation on the server to which the solution of the present application is applied.
  • the specific server may include a ratio. More or fewer components are shown in the figures, or some components are combined, or have different component arrangements.
  • a loan amount measuring device is provided, the loan
  • the internal structure of the credit measuring device may correspond to the structure as shown in FIG. 3, and each of the following modules may be implemented in whole or in part by software, hardware, or a combination thereof.
  • the loan amount measuring device comprises: a receiving module 402, an obtaining module 404, a measuring module 406, a determining module 408 and a prompting module 410, wherein:
  • the receiving module 402 is configured to receive a loan request sent by the client terminal, where the loan request carries the applicant information and the application quota.
  • the obtaining module 404 is configured to obtain an applicant's loan record according to the applicant information, and the loan record includes a plurality of loan businesses.
  • the calculating module 406 is configured to calculate a comprehensive amount corresponding to the loan request according to the plurality of loan services.
  • the determining module 408 is configured to determine whether the comprehensive quota is greater than or equal to the application quota.
  • the prompting module 410 is configured to generate prompt information for issuing a loan to the applicant according to the application quota if the comprehensive quota is greater than or equal to the application quota, and send the prompt information to the client terminal.
  • the applicant information includes applicant basic information
  • the application basic information includes the applicant identification
  • the obtaining module 404 is further configured to obtain the applicant credit information according to the applicant identifier
  • the measurement module 406 is further configured to The information and the applicant's credit information calculate the application score corresponding to the applicant
  • the determining module 408 is further configured to determine whether the application score is greater than or equal to the first preset value; if the application score is greater than or equal to the first preset value, the obtaining module 404 uses And obtaining the loan record of the applicant according to the applicant information; if the application score is less than the first preset value, the prompting module 410 is further configured to generate the prompt information for rejecting the loan request, and send the prompt information for rejecting the loan request to the client terminal.
  • the loan service has a corresponding measurement item; the measurement module 406 is further configured to obtain a plurality of measurement items corresponding to the loan business; and calculate a quota of each of the plurality of loan businesses by using the measurement model or the measurement coefficient; The minimum amount of the same measurement item is extracted from the plurality of loan business as the measurement quota of the measurement item, and the measurement quota corresponding to the plurality of measurement items is obtained; the minimum value of the measurement quota corresponding to the plurality of measurement items is extracted as the comprehensive corresponding to the loan request. Amount.
  • the measurement item includes a revenue determination and a liability
  • the measurement module 406 is further configured to obtain a monthly repayment amount or an annual repayment amount corresponding to the plurality of loan businesses; and calculate respectively according to the monthly repayment amount or the annual repayment amount.
  • the determining module 408 is further configured to: if the comprehensive amount is less than the application quota, further determine whether the comprehensive quota is greater than or equal to the second preset value; if the comprehensive credit is greater than or equal to the second preset value, the prompting module 410 It is also used to generate prompt information for issuing a loan to the applicant according to the comprehensive quota, and send the prompt information for issuing the loan to the applicant according to the comprehensive quota to the client terminal; if the comprehensive quota is less than the second preset value, the prompting module 410 is further used for A prompt message for refusing to issue a loan to the applicant is generated, and a prompt message for refusing to issue a loan to the applicant is sent to the client terminal.
  • Each module in the loan amount measuring device described above may be implemented in whole or in part by software, hardware, and combinations thereof.
  • the receiving module 402 is configured to receive a loan request sent by the client terminal through a network interface.
  • the network interface may be an Ethernet card or a wireless network card.
  • the above modules may be embedded in the hardware of the base station or may be stored in the memory of the base station in a software form, so that the processor can call the corresponding operations of the above modules.
  • the processor may be a central processing unit (CPU) or a microprocessor.
  • the storage medium may be a magnetic disk, an optical disk, a read-only memory (ROM), or the like.

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Abstract

一种贷款额度测算方法，包括：接收客户终端发送的贷款请求，所述贷款请求中携带了申请人信息和申请额度；根据所述申请人信息获取申请人的贷款记录，所述贷款记录包括多项贷款业务；根据多项贷款业务计算所述贷款请求对应的综合额度；判断所述综合额度是否大于或等于所述申请额度；若是，则生成按照所述申请额度向申请人发放贷款的提示信息，将所述提示信息发送至客户终端。

Description

贷款额度测算方法、装置、服务器和存储介质
本申请要求于2017年03月13日提交中国专利局，申请号为201710147610.8，发明名称为“贷款额度测算方法和装置”的中国专利申请的优先权，其全部内容通过引用结合在本申请中。
技术领域
本申请发明涉及计算机技术领域，特别是涉及一种贷款额度测算方法、装置、服务器和存储介质。
背景技术
小额贷款是个人和中小企业为核心的综合消费贷款，贷款金额一般在30万以下。传统的方式中，申请人向银行递交小额贷款申请之后，银行会对申请人提交的申请材料进行审核，并且对其贷款额度进行测算。由于小额贷款的申请额度较低，通常银行只是根据申请人的房贷情况来测算贷款额度，测算维度较为单一。如果申请人还存在其他贷款，如车贷、保单贷款等，而这些贷款被忽略，未被用于贷款额度测算的话，那么测算出的贷款额度则不够准确。
发明内容
根据本申请的各种实施例，提供一种贷款额度测算方法、装置、服务器和存储介质。
一种贷款额度测算方法，包括：
接收客户终端发送的贷款请求，所述贷款请求中携带了申请人信息和申请额度；
根据所述申请人信息获取申请人的贷款记录，所述贷款记录包括多项贷 款业务；
根据多项贷款业务计算所述贷款请求对应的综合额度；
判断所述综合额度是否大于或等于所述申请额度；及
若是，则生成按照所述申请额度向申请人发放贷款的提示信息，将所述提示信息发送至客户终端。
一种贷款额度测算装置，所述装置包括：
接收模块，用于接收客户终端发送的贷款请求，所述贷款请求中携带了申请人信息和申请额度；
获取模块，用于根据所述申请人信息获取申请人的贷款记录，所述贷款记录包括多项贷款业务；
测算模块，用于根据多项贷款业务计算所述贷款请求对应的综合额度；
判断模块，用于判断所述综合额度是否大于或等于所述申请额度；及
提示模块，用于若所述综合额度大于或等于所述申请额度，则生成按照所述申请额度向申请人发放贷款的提示信息，将所述提示信息发送至客户终端。
一种服务器，包括存储器和处理器，所述存储器中储存有计算机可执行指令，所述计算机可执行指令被所述处理器执行时时，使得所述处理器执行以下步骤：
接收客户终端发送的贷款请求，所述贷款请求中携带了申请人信息和申请额度；
根据所述申请人信息获取申请人的贷款记录，所述贷款记录包括多项贷款业务；
根据多项贷款业务计算所述贷款请求对应的综合额度；
判断所述综合额度是否大于或等于所述申请额度；及
若是，则生成按照所述申请额度向申请人发放贷款的提示信息，将所述提示信息发送至客户终端。
一个或多个存储有计算机可执行指令的非易失性可读存储介质，所述计 算机可执行指令被一个或多个处理器执行时，使得所述一个或多个处理器执行以下步骤：
接收客户终端发送的贷款请求，所述贷款请求中携带了申请人信息和申请额度；
根据所述申请人信息获取申请人的贷款记录，所述贷款记录包括多项贷款业务；
根据多项贷款业务计算所述贷款请求对应的综合额度；
判断所述综合额度是否大于或等于所述申请额度；及
若是，则生成按照所述申请额度向申请人发放贷款的提示信息，将所述提示信息发送至客户终端。
本申请的一个或多个实施例的细节在下面的附图和描述中提出。本申请的其它特征、目的和优点将从说明书、附图以及权利要求书变得明显。
附图说明
为了更清楚地说明本申请实施例或现有技术中的技术方案，下面将对实施例或现有技术描述中所需要使用的附图作简单地介绍，显而易见地，下面描述中的附图仅仅是本发明的一些实施例，对于本领域普通技术人员来讲，在不付出创造性劳动的前提下，还可以根据这些附图获得其他实施例的附图。
图1为一个实施例中贷款额度测算方法的应用场景图；
图2为一个实施例中贷款额度测算方法的流程图；
图3为一个实施例中服务器的框图；
图4为一个实施例中贷款额度测算装置的框图。
具体实施方式
为了使本申请的目的、技术方案及优点更加清楚明白，以下结合附图及实施例，对本申请进行进一步详细说明。应当理解，此处描述的具体实施例仅仅用以解释本申请，并不用于限定本申请。
本申请实施例中所提供的贷款额度测算方法可以应用于如图1所示的应用场景中。其中，客户终端102通过网络与服务器104连接。申请人通过客户终端102向服务器104发送小额贷款的贷款请求，贷款请求中携带了申请人信息和申请额度。服务器104接收客户终端102发送的贷款请求。服务器104根据申请人标识在数据库中检索对应的贷款记录，获取申请人的贷款记录。贷款记录中可以包括多项贷款业务。服务器104根据多项贷款业务测算申请人对应的综合额度。服务器104计算得到申请人本次小额贷款的综合额度之后，将综合额度与申请额度进行比对，如果综合额度大于或等于申请额度，则可以按照申请额度向申请人发放贷款，服务器104生成按照申请额度向申请人发放贷款的提示信息。服务器104可以将提示信息发送至客户终端102。由于综合额度是根据多项贷款业务综合测算得来的，测算维度较为全面，从而能够有效提高了小额贷款额度测算的准确性。
在一个实施例中，如图2所示，提供了一种贷款额度测算方法，应该理解的是，虽然图2的流程图中的各个步骤按照箭头的指示依次显示，但是这些步骤并不是必然按照箭头指示的顺序依次执行。除非本文中有明确的说明，这些步骤的执行并没有严格的顺序限制，其可以以其他的顺序执行。而且，图2中的至少一部分步骤可以包括多个子步骤或者多个阶段，这些子步骤或者阶段并不必然是在同一时刻执行完成，而是可以在不同的时刻执行，其执行顺序也不必然是依次进行，而是可以与其他步骤或者其他步骤的子步骤或者阶段的至少一部分轮流或者交替地执行。以该方法应用于图1中的服务器为例进行说明，具体包括：
步骤202，接收贷款请求，贷款请求中携带了申请人信息和申请额度。
步骤204，根据申请人信息获取申请人的贷款记录，贷款记录包括多项贷款业务。
步骤206，根据多项贷款业务计算申请人对应的综合额度。
申请人向银行申请小额贷款时，可以通过客户终端向银行的服务器提交贷款请求。也可以前往银行柜面提交贷款请求。银行柜面工作人员接受申请 人提交的申请信息，通过柜面的受理终端录入小额贷款所需的申请信息。受理终端利用申请信息生成贷款请求，并向银行的服务器发送贷款请求。服务器接收客户终端或受理终端发送的贷款请求。贷款请求中携带了申请信息。申请信息包括申请人信息和申请额度。申请人信息包括申请人标识。服务器根据申请人标识在数据库中检索对应的贷款记录，获取申请人的贷款记录。贷款记录中可以包括多项贷款业务。贷款业务包括：房贷、车贷和保单贷款等。每项贷款业务都可以视为一个测算维度。服务器根据贷款记录来获取多项贷款业务，即表示服务器可以从多个测算维度对小额贷款的贷款额度进行综合测算。
贷款业务具有多项测算项目。测算项目包括：封顶额度、最高倍数额度、收入认定额度、资产比例额度和负债额度等。
在其中一个实施例中，根据多项贷款业务计算申请人对应的综合额度的步骤包括：获取贷款业务对应的多个测算项目；利用测算模型或测算系数分别计算多个贷款业务中每个测算项目的额度；在多个贷款业务中提取同一测算项目中的最低的额度作为测算项目的测算额度，得到多个测算项目对应的测算额度；提取多个测算项目对应的测算额度的最小值作为贷款请求对应的综合额度。
不同的贷款业务可以有相同的测算项目，也可以有部分不同的测算项目。例如，车贷和保单贷款的测算项目可以全部相同，房贷除了可以包含车贷所有的测算项目之外，还可以包含其他测算项目。如下表1所示，为多项贷款业务对应的测算项目，其中，●表示贷款业务包含该项测算项目；-表示贷款业务不包含该项测算项目。服务器获取每一项贷款业务对应的测算项目，每个测算项目都具有对应的测算模型或测算系数，不同的测试项目可以有不同的测算模型或测算系数。例如，测试系数可以包括第一测算系数、第二测算系数。
服务器根据测算模型或测算系数分别计算每个测算项目的额度。以此能够准确计算出多项贷款业务对应的每个测算项目的额度。
表一：
测算项目 房贷 车贷 保单贷款
封顶额度 ● ● ●
最高倍数额度 ● ● ●
收入认定额度 ● ● ●
资产比例额度 ● - -
负债额度 ● ● ●
服务器可以对每项贷款业务都设定小额贷款对应的额度区间，服务器可以根据额度区间来获取封顶额度。封顶额度具有对应的测算模型。将不同的业务贷款业务输入该测算模型，可以得到对应的封顶额度。封顶额度也就是可以发放的小额贷款的最高额度。例如小额贷款对应的额度区间为3～50万，那么封顶额度即为50万。
服务器对每项贷款业务都分别设定小额贷款对应的最高倍数额度。最高倍数是月还款或年还款额度的最高倍数。最高倍数也可以称为对应的测算系数，如第一测算系数。不同的贷款业务的最高倍数可以相同，也可以不同。例如，房贷对应的小额贷款的最高倍数为30，车贷房贷对应的小额贷款的最高倍数也可以为30。其中，同一贷款业务如果申请人剩余的还款时间不同，最高倍数也可以不同。例如，房贷对应的小额贷款的最高倍数，如果剩余还款时间大于12个月，则最高倍数为45，如果剩余还款时间大于6个月且小于12个月，则最高倍数可以是30。服务器根据贷款业务获取对应的最高倍数，根据贷款业务获取对应的月还款额度或年还款额度，根据最高倍数和还款额度或年还款额度计算贷款业务对应的最高倍数额度。
收入认定可以用来表示申请人的还款能力。服务器可以为每项贷款业务的收入认定设置相应的系数，也可以称为第二测算系数。不同的贷款业务可以设置不同的收入认定系数。例如，房贷对应的小额贷款的收入认定系数可以是3，车贷对应的小额贷款的收入认定系数可以是6等。服务器可以根据贷款业务的月还款额度或年还款额度以及对应的收入认定系数来计算收入认 定额度。
资产比例额度可以用来评估申请人抵押房产的价值。该项可以适用于房贷。资产比例额度可以按照房贷对应的房产购买价的第一预设比例来计算，也可以按照房贷总额与第二预设比例来计算。其中，第一预设比例可以称为第三测算系数，第二预设比例可以称为第四测算系数。例如，资产比例额度＝房产购买价*25％；或者资产比例额度＝房贷总额/70％。如果服务器分别按照第一预设比例和第二预设比例来计算资产比例额度，则将二者中较低的额度作为房贷对应的资产比例额度。
负债收入比即负债额度与收入额度的比值，可以反映申请人在一定时期内的财务状况，将负债收入比控制在一定的比例内，可以确保申请人在短期内的偿债能力。负债收入比也可以称为第五测算系数。服务器可以根据负债收入比与收入认定额度进行计算，得到负债额度。对于不同的贷款业务而言，如果收入认定额度不同，则不同的贷款业务对应的小额贷款的负债额度也是不同的。
对于多个贷款业务中具有相同的测算项目的，服务器在多项贷款业务中提取同一测算项目的最低额度，将其作为该测算项目的测算额度。以此服务器可以得到多个测算项目对应的测算额度。服务器提取多个测算项目对应的测算额度的最小值，将其作为申请人本次小额贷款的综合额度。
步骤208，判断综合额度是否大于或等于申请额度；若是，则进入步骤210，否则，生成申请额度超过限额的提示信息。
步骤210，生成按照申请额度向申请人发放贷款的提示信息，将提示信息发送至客户终端。
服务器计算得到申请人本次小额贷款的综合额度之后，将综合额度与申请额度进行比对，如果综合额度大于或等于申请额度，则可以按照申请额度向申请人发放贷款，服务器生成按照申请额度向申请人发放贷款的提示信息。服务器可以将提示信息发送至客户终端。如果综合额度小于申请额度，服务器可以拒绝本次贷款请求，生成申请额度超过限额的提示信息。服务器将申 请额度超过限额的提示信息发送至客户终端，以使得申请人了解贷款状况。申请人可以根据该提示信息中携带的综合额度来调整申请额度，再次申请小额贷款。
本实施例中，在接收到申请人的贷款请求之后，根据申请人信息获取申请人的贷款记录，根据贷款记录中的多项贷款业务来计算贷款请求对应的综合额度。如果测算出的综合额度大于或等于申请额度，则可以按照申请额度向申请人发放贷款。由于综合额度是根据多项贷款业务综合测算得来的，测算维度较为全面，从而能够有效提高小额贷款额度测算的准确性。
在一个实施例中，测算项目包括收入认定和负债，分别计算多个贷款业务每个测算项目的额度的步骤包括：获取多个贷款业务对应的月还款额度或年还款额度；根据月还款额度或年还款额度分别计算多个贷款业务对应的收入认定的度；获取申请人标识对应的无抵押和/或无质押贷款的负债认定额度；根据收入认定额度与负债认定额度分别计算多个贷款业务对应的负债额度。
本实施例中，服务器可以获取多项贷款业务对应的月还款额度或年还款额度以及收入认定系数，分别计算每项贷款业务对应的收入认定额度。其中，收入认定系数可以是服务器根据不同的贷款业务来预先设定的。月还款额度或年还款额度可以是申请人申请发起本次小额贷款的当月的每项贷款业务的月还款额度或当年的年还款额度。收入认定额度＝月还款额度或年还款额度*收入认定系数。
负债收入比即负债额度与收入额度的比值，可以反映申请人在一定时期内的财务状况。将负债收入比控制在一定的比例内，可以确保申请人在短期内的偿债能力，从而能够有效降低贷款风险。服务器可以根据负债认定额度、负债收入比与收入认定额度进行计算，得到负债额度。
负债认定包括申请人本人的无抵押和/或无质押贷款的负债，包括贷记卡、信用贷款和保证贷款等。负债认定额度可以根据月还款额来计算。服务器可以根据申请人标识获取对应的征信报告，在征信报告中提取负债的月还 款额，或者根据信用报告中的贷款金额、贷款期限和基准利率按月等额本息的方式来推算月还款额。服务器分别计算出无抵押贷款月还款额、无质押贷款月还款额以及信用卡使用额度等多项负债认定额度。服务器利用多项负债认定额度、负债收入比以及收入认定额度与计算贷款业务对应的负债额度。例如，负债额度＝(收入认定*75％-(无抵押贷款月还款额+无质押贷款月还款额+信用卡6个月平均使用额度))*10。由于对不同的贷款业务而言，收入认定额度是不同的，因此不同的贷款业务对应的负债额度可以是不同的。服务器可以分别计算每项贷款业务对应的负债额度，提取最小的负债收额度，将其作为本次小额贷款对应的负债额度。由于负债额度是根据负债收入比、多项无抵押和/或无质押贷款的负债认定额度以及收入认定额度测算出来的，由于负债收入比控制在能够确保申请人具有短期偿债能力的比例范围内，因此测算出的负债额度能够也在申请人偿债能力范围内，能够有效降低贷款风险。
在一个实施例中，在判断综合额度是否大于或等于申请额度的步骤之后，还包括：若综合额度小于申请额度，则进一步判断综合额度是否大于或等于第二预设值；若综合额度大于或等于第二预设值，则生成按照综合额度向申请人发放贷款的提示信息将按照综合额度向申请人发放贷款的提示信息发送至客户终端；若综合额度小于第二预设值，则生成拒绝向申请人发放贷款的提示信息，将拒绝向申请人发放贷款的提示信息发送至客户终端。
服务器根据上述实施例中提供的方式测算出本次贷款请求对应的综合额度之后，服务器进一步判断综合额度是否大于或等于第二预设值。第二预设值可以是小额贷款额度区间的最低值。如果综合额度大于或等于第二预设值，可以按照综合额度向申请人发放贷款，服务器生成按照综合额度向申请人发放贷款的提示信息。例如，额度区间为3～50万，则服务器可以将综合额度可以与3万进行比较，如果大于3万，则服务器可以根据综合额度来生成向申请人发放贷款的提示信息。服务器可以将该提示信息发送至客户终端，以使得申请人知晓贷款发放额度。从而在有效降低贷款风险的同时能够为客户提 供小额贷款服务。
在一个实施例中，申请人信息包括申请人基本信息，申请基本信息包括申请人标识，在接收贷款请求的步骤之后，还包括：根据申请人标识获取申请人征信信息；根据申请人基本信息和申请人征信信息计算申请人对应的申请得分；判断申请得分是否大于或等于第一预设值；若是，则执行根据申请人信息获取申请人的贷款记录的步骤；若否，则生成拒绝贷款请求的提示信息，将拒绝贷款请求的提示信息发送至客户终端。
本实施例中，服务器在接收到申请人的贷款请求之后，在对贷款额度进行测算之前，还会对申请人进行评分，以此评估申请人的还贷能力。如果申请人的评分小于第一预设值，则表示申请人的还贷能力差，贷款风险较大。如果申请人的评分大于或等于第一预设值，则表示申请人的还贷能力好，贷款风险较小。
具体的，服务器根据申请人标识获取申请人在预设时间内的征信报告。征信报告中包括多项征信信息。服务器获取评分规则，评分规则中包括多个评分项、评分条件和评分标准，如下表二所示。服务器根据申请人的征信信息与评分项计算得到每个评分项对应的得分，将所有评分项的得分进行累计，得到申请人本次小额贷款的申请得分。服务器将申请人的申请得分与第一预设值进行比较，若大于或等于第一预设值，则进一步对贷款额度进行测算。否则，服务器生成拒绝贷款请求的提示信息。
表二：
Figure PCTCN2017090581-appb-000001
Figure PCTCN2017090581-appb-000002
服务器通过对申请人进行评分，以便在测算贷款额度之前能够了解申请人的还贷能力。如果申请人的还贷能力较差，则拒绝其贷款请求，不再进行额度测算，有效降低了贷款风险。
在一个实施例中，如图3所示，提供了一种服务器300，包括通过系统总线连接的处理器301、内存储器302、非易失性存储介质303和网络接口304。其中，服务器300的处理器301用于提供计算和控制能力。服务器300的非易失性存储介质303中存储有操作系统3031和计算机可读指令3032。服务器300的内存储器302为非易失性存储介质中的操作系统和计算机可读指令的运行提供环境。该计算机可读指令3032被处理器执行时，可使得处理器301执行一种贷款额度测算方法。服务器300的网络接口304用于据以与外部的终端通过网络连接通信，比如接收客户终端上传的贷款请求，向客户终端发送提示消息等。服务器300可以用独立的服务器或者是多个服务器组成的服务器集群来实现。本领域技术人员可以理解，图3中示出的结构，仅仅是与本申请方案相关的部分结构的框图，并不构成对本申请方案所应用于其上的服务器的限定，具体的服务器可以包括比图中所示更多或更少的部件，或者组合某些部件，或者具有不同的部件布置。
在一个实施例中，如图4所示，提供了一种贷款额度测算装置，该贷款 额度测算装置的内部结构可对应于如图3所示的结构，下述每个模块可全部或部分通过软件、硬件或其组合来实现。贷款额度测算装置包括：接收模块402、获取模块404、测算模块406、判断模块408和提示模块410，其中：
接收模块402，用于接收客户终端发送的贷款请求，贷款请求中携带了申请人信息和申请额度。
获取模块404，用于根据申请人信息获取申请人的贷款记录，贷款记录包括多项贷款业务。
测算模块406，用于根据多项贷款业务计算贷款请求对应的综合额度。
判断模块408，用于判断综合额度是否大于或等于申请额度。
提示模块410，用于若综合额度大于或等于申请额度，则生成按照申请额度向申请人发放贷款的提示信息，将提示信息发送至客户终端。
在一个实施例中，申请人信息包括申请人基本信息，申请基本信息包括申请人标识，获取模块404还用于根据申请人标识获取申请人征信信息；测算模块406还用于根据申请人基本信息和申请人征信信息计算申请人对应的申请得分；判断模块408还用于判断申请得分是否大于或等于第一预设值；若申请得分大于或等于第一预设值，获取模块404用于根据申请人信息获取申请人的贷款记录；若申请得分小于第一预设值，提示模块410还用于生成拒绝贷款请求的提示信息，将拒绝贷款请求的提示信息发送至客户终端。
在一个实施例中，贷款业务具有对应的测算项目；测算模块406还用于获取贷款业务对应的多个测算项目；利用测算模型或测算系数分别计算多个贷款业务中每个测算项目的额度；在多个贷款业务中提取同一测算项目中的最低的额度作为测算项目的测算额度，得到多个测算项目对应的测算额度；提取多个测算项目对应的测算额度的最小值作为贷款请求对应的综合额度。
在一个实施例中，测算项目包括收入认定和负债，测算模块406还用于获取多个贷款业务对应的月还款额度或年还款额度；根据月还款额度或年还款额度分别计算多个贷款业务对应的收入认定额度；获取申请人标识对应的无抵押和/或无质押贷款的负债认定额度；根据收入认定额度与负债认定额度 分别计算多个贷款业务对应的负债额度。
在一个实施例中，判断模块408还用于若综合额度小于申请额度，则进一步判断综合额度是否大于或等于第二预设值；若综合额度大于或等于第二预设值，则提示模块410还用于生成按照综合额度向申请人发放贷款的提示信息，将按照综合额度向申请人发放贷款的提示信息发送至客户终端；若综合额度小于第二预设值，则提示模块410还用于生成拒绝向申请人发放贷款的提示信息，将拒绝向申请人发放贷款的提示信息发送至客户终端。
上述贷款额度测算装置中的各个模块可全部或部分通过软件、硬件及其组合来实现。例如，在硬件实现上，上述接收模块402用于通过网络接口接收客户终端发送的贷款请求。其中，网络接口可以是以太网卡或无线网卡等。上述各模块可以硬件形式内嵌于或独立于基站的处理器中，也可以以软件形式存储于基站的存储器中，以便于处理器调用执行以上各个模块对应的操作。其中，处理器可以为中央处理单元(CPU)或微处理器等。
本领域普通技术人员可以理解实现上述实施例方法中的全部或部分流程，是可以通过计算机程序来指令相关的硬件来完成，的程序可存储于一非易失性计算机可读取存储介质中，该程序在执行时，可包括如上述各方法的实施例的流程。其中，的存储介质可为磁碟、光盘、只读存储记忆体(Read-Only Memory，ROM)等。
以上实施例的各技术特征可以进行任意的组合，为使描述简洁，未对上述实施例中的各个技术特征所有可能的组合都进行描述，然而，只要这些技术特征的组合不存在矛盾，都应当认为是本说明书记载的范围。
以上实施例仅表达了本发明的几种实施方式，其描述较为具体和详细，但并不能因此而理解为对发明专利范围的限制。应当指出的是，对于本领域的普通技术人员来说，在不脱离本发明构思的前提下，还可以做出若干变形和改进，这些都属于本发明的保护范围。因此，本发明专利的保护范围应以所附权利要求为准。

Claims (20)

  1. 一种贷款额度测算方法，包括：
    接收客户终端发送的贷款请求，所述贷款请求中携带了申请人信息和申请额度；
    根据所述申请人信息获取申请人的贷款记录，所述贷款记录包括多项贷款业务；
    根据多项贷款业务计算所述贷款请求对应的综合额度；
    判断所述综合额度是否大于或等于所述申请额度；及
    若是，则生成按照所述申请额度向申请人发放贷款的提示信息，将所述提示信息发送至客户终端。
  2. 根据权利要求1所述的方法，其特征在于，所述申请人信息包括申请人基本信息，所述申请基本信息包括申请人标识，在所述接收贷款请求的步骤之后，还包括：
    根据所述申请人标识获取申请人征信信息；
    根据所述申请人基本信息和所述申请人征信信息计算所述申请人对应的申请得分；
    判断所述申请得分是否大于或等于第一预设值；
    若是，则执行所述根据所述申请人信息获取申请人的贷款记录的步骤；及
    若否，则生成拒绝所述贷款请求的提示信息，将拒绝所述贷款请求的提示信息发送至客户终端。
  3. 根据权利要求1所述的方法，其特征在于，所述贷款业务具有对应的测算项目；所述根据多项贷款业务计算所述贷款请求对应的综合额度的步骤包括：
    获取贷款业务对应的多个测算项目；
    利用测算模型或测算系数分别计算多个贷款业务中每个测算项目的额度；
    在多个贷款业务中提取同一测算项目中的最低的额度作为所述测算项目的测算额度，得到多个测算项目对应的测算额度；及
    提取多个测算项目对应的测算额度的最小值作为所述贷款请求对应的综合额度。
  4. 根据权利要求3所述的方法，其特征在于，所述测算项目包括收入认定和负债，所述分别计算多个贷款业务每个测算项目的额度的步骤包括：
    获取多个贷款业务对应的月还款额度或年还款额度；
    根据所述月还款额度或年还款额度分别计算多个贷款业务对应的收入认定额度；
    获取所述申请人标识对应的无抵押和/或无质押贷款的负债认定额度；及
    根据所述收入认定额度与负债认定额度分别计算多个贷款业务对应的负债额度。
  5. 根据权利要求1-4任一项所述的方法，其特征在于，在所述判断所述综合额度是否大于或等于所述申请额度的步骤之后，还包括：
    若所述综合额度小于所述申请额度，则进一步判断所述综合额度是否大于或等于第二预设值；
    若所述综合额度大于或等于所述第二预设值，则生成按照所述综合额度向申请人发放贷款的提示信息，将按照所述综合额度向申请人发放贷款的提示信息发送至客户终端；及
    若所述综合额度小于所述第二预设值，则生成拒绝向申请人发放贷款的提示信息，将拒绝向申请人发放贷款的提示信息发送至客户终端。
  6. 一种贷款额度测算装置，其特征在于，所述装置包括：
    接收模块，用于接收客户终端发送的贷款请求，所述贷款请求中携带了申请人信息和申请额度；
    获取模块，用于根据所述申请人信息获取申请人的贷款记录，所述贷款记录包括多项贷款业务；
    测算模块，用于根据多项贷款业务计算所述贷款请求对应的综合额度；
    判断模块，用于判断所述综合额度是否大于或等于所述申请额度；及
    提示模块，用于若所述综合额度大于或等于所述申请额度，则生成按照所述申请额度向申请人发放贷款的提示信息，将所述提示信息发送至客户终端。
  7. 根据权利要求6所述的装置，其特征在于，所述申请人信息包括申请人基本信息，所述申请基本信息包括申请人标识，所述获取模块还用于根据所述申请人标识获取申请人征信信息；所述测算模块还用于根据所述申请人基本信息和所述申请人征信信息计算所述申请人对应的申请得分；所述判断模块还用于判断所述申请得分是否大于或等于第一预设值；若所述申请得分大于或等于所述第一预设值，所述获取模块用于根据所述申请人信息获取申请人的贷款记录；及若所述申请得分小于第一预设值，所述提示模块还用于生成拒绝所述贷款请求的提示信息，将拒绝所述贷款请求的提示信息发送至客户终端。
  8. 根据权利要求6所述的装置，其特征在于，所述贷款业务具有对应的测算项目；所述测算模块还用于获取贷款业务对应的多个测算项目；利用测算模型或测算系数分别计算多个贷款业务中每个测算项目的额度；在多个贷款业务中提取同一测算项目中的最低的额度作为所述测算项目的测算额度，得到多个测算项目对应的测算额度；及提取多个测算项目对应的测算额度的最小值作为所述贷款请求对应的综合额度。
  9. 根据权利要求8所述的装置，其特征在于，所述测算项目包括收入认定和负债，所述测算模块还用于获取多个贷款业务对应的月还款额度或年还款额度；根据所述月还款额度或年还款额度分别计算多个贷款业务对应的收入认定额度；获取所述申请人标识对应的无抵押和/或无质押贷款的负债认定额度；及根据所述收入认定额度与负债认定额度分别计算多个贷款业务对应的负债额度。
  10. 根据权利要求6-9任一项所述的装置，其特征在于，所述判断模块还用于若所述综合额度小于所述申请额度，则进一步判断所述综合额度是否 大于或等于第二预设值；若所述综合额度大于或等于所述第二预设值，则所述提示模块还用于生成按照所述综合额度向申请人发放贷款的提示信息，将按照所述综合额度向申请人发放贷款的提示信息发送至客户终端；及若所述综合额度小于所述第二预设值，则所述提示模块还用于生成拒绝向申请人发放贷款的提示信息，将拒绝向申请人发放贷款的提示信息发送至客户终端。
  11. 一种服务器，包括存储器和处理器，所述存储器中储存有计算机可执行指令，所述计算机可执行指令被所述处理器执行时，使得所述处理器执行以下步骤：
    接收客户终端发送的贷款请求，所述贷款请求中携带了申请人信息和申请额度；
    根据所述申请人信息获取申请人的贷款记录，所述贷款记录包括多项贷款业务；
    根据多项贷款业务计算所述贷款请求对应的综合额度；
    判断所述综合额度是否大于或等于所述申请额度；及
    若是，则生成按照所述申请额度向申请人发放贷款的提示信息，将所述提示信息发送至客户终端。
  12. 根据权利要求11所述的服务器，其特征在于，所述申请人信息包括申请人基本信息，所述申请基本信息包括申请人标识，在所述接收贷款请求的步骤之后，还使得所述处理器执行以下步骤：
    根据所述申请人标识获取申请人征信信息；
    根据所述申请人基本信息和所述申请人征信信息计算所述申请人对应的申请得分；
    判断所述申请得分是否大于或等于第一预设值；
    若是，则执行所述根据所述申请人信息获取申请人的贷款记录的步骤；及
    若否，则生成拒绝所述贷款请求的提示信息，将拒绝所述贷款请求的提示信息发送至客户终端。
  13. 根据权利要求11所述的服务器，其特征在于，所述贷款业务具有对应的测算项目；所述根据多项贷款业务计算所述贷款请求对应的综合额度的步骤包括：
    获取贷款业务对应的多个测算项目；
    利用测算模型或测算系数分别计算多个贷款业务中每个测算项目的额度；
    在多个贷款业务中提取同一测算项目中的最低的额度作为所述测算项目的测算额度，得到多个测算项目对应的测算额度；及
    提取多个测算项目对应的测算额度的最小值作为所述贷款请求对应的综合额度。
  14. 根据权利要求13所述的服务器，其特征在于，所述测算项目包括收入认定和负债，所述分别计算多个贷款业务每个测算项目的额度的步骤包括：
    获取多个贷款业务对应的月还款额度或年还款额度；
    根据所述月还款额度或年还款额度分别计算多个贷款业务对应的收入认定额度；
    获取所述申请人标识对应的无抵押和/或无质押贷款的负债认定额度；及
    根据所述收入认定额度与负债认定额度分别计算多个贷款业务对应的负债额度。
  15. 根据权利要求11-14所述的服务器，其特征在于，在所述判断所述综合额度是否大于或等于所述申请额度的步骤之后，还使得所述处理器执行以下步骤：
    若所述综合额度小于所述申请额度，则进一步判断所述综合额度是否大于或等于第二预设值；
    若所述综合额度大于或等于所述第二预设值，则生成按照所述综合额度向申请人发放贷款的提示信息，将按照所述综合额度向申请人发放贷款的提示信息发送至客户终端；及
    若所述综合额度小于所述第二预设值，则生成拒绝向申请人发放贷款的 提示信息，将拒绝向申请人发放贷款的提示信息发送至客户终端。
  16. 一个或多个存储有计算机可执行指令的非易失性可读存储介质，所述计算机可执行指令被一个或多个处理器执行时，使得所述一个或多个处理器执行以下步骤：
    接收客户终端发送的贷款请求，所述贷款请求中携带了申请人信息和申请额度；
    根据所述申请人信息获取申请人的贷款记录，所述贷款记录包括多项贷款业务；
    根据多项贷款业务计算所述贷款请求对应的综合额度；
    判断所述综合额度是否大于或等于所述申请额度；及
    若是，则生成按照所述申请额度向申请人发放贷款的提示信息，将所述提示信息发送至客户终端。
  17. 根据权利要求16所述的非易失性可读存储介质，其特征在于，所述计算机可执行指令被一个或多个处理器执行时，还使得所述一个或多个处理器执行以下步骤：
    根据所述申请人标识获取申请人征信信息；
    根据所述申请人基本信息和所述申请人征信信息计算所述申请人对应的申请得分；
    判断所述申请得分是否大于或等于第一预设值；
    若是，则执行所述根据所述申请人信息获取申请人的贷款记录的步骤；及
    若否，则生成拒绝所述贷款请求的提示信息，将拒绝所述贷款请求的提示信息发送至客户终端。
  18. 根据权利要求16所述的非易失性可读存储介质，其特征在于，所述贷款业务具有对应的测算项目；所述根据多项贷款业务计算所述贷款请求对应的综合额度的步骤包括：
    获取贷款业务对应的多个测算项目；
    利用测算模型或测算系数分别计算多个贷款业务中每个测算项目的额度；
    在多个贷款业务中提取同一测算项目中的最低的额度作为所述测算项目的测算额度，得到多个测算项目对应的测算额度；及
    提取多个测算项目对应的测算额度的最小值作为所述贷款请求对应的综合额度。
  19. 根据权利要求18所述的非易失性可读存储介质，其特征在于，所述测算项目包括收入认定和负债，所述分别计算多个贷款业务每个测算项目的额度的步骤包括：
    获取多个贷款业务对应的月还款额度或年还款额度；
    根据所述月还款额度或年还款额度分别计算多个贷款业务对应的收入认定额度；
    获取所述申请人标识对应的无抵押和/或无质押贷款的负债认定额度；及
    根据所述收入认定额度与负债认定额度分别计算多个贷款业务对应的负债额度。
  20. 根据权利要求16-19所述的非易失性可读存储介质，其特征在于，所述计算机可执行指令被一个或多个处理器执行时，还使得所述一个或多个处理器执行以下步骤：
    若所述综合额度小于所述申请额度，则进一步判断所述综合额度是否大于或等于第二预设值；
    若所述综合额度大于或等于所述第二预设值，则生成按照所述综合额度向申请人发放贷款的提示信息，将按照所述综合额度向申请人发放贷款的提示信息发送至客户终端；及
    若所述综合额度小于所述第二预设值，则生成拒绝向申请人发放贷款的提示信息，将拒绝向申请人发放贷款的提示信息发送至客户终端。
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