WO2019095666A1

WO2019095666A1 - Loan limit assessment method and related device

Info

Publication number: WO2019095666A1
Application number: PCT/CN2018/089392
Authority: WO
Inventors: 王凯宁; 田璐瑜
Original assignee: 重庆小雨点小额贷款有限公司
Priority date: 2017-11-15
Filing date: 2018-05-31
Publication date: 2019-05-23
Also published as: CN107909467A

Abstract

Disclosed in embodiments of the present invention are a loan limit assessment method and a related device. The method comprises: receiving a loan request submitted by a dealer, the loan request carrying an application limit, a purchase list, supplier information and dealer information; sending the purchase list and the dealer information to a supplier corresponding to the supplier information; receiving an approval limit submitted by the supplier, the approval limit being determined by the supplier according to the purchase list and the dealer information; and when it is determined, according to the dealer information, that a loan is allowed to be lent to the dealer, determining a loan limit of the dealer according to the application limit and the approval limit. By means of the embodiments of the present invention, the loan limit can be accurately assessed according to the purchase list, which helps to reduce loan risks of a loan platform.

Description

Loan credit evaluation method and related equipment

Technical field

The invention relates to the field of internet financial technology, in particular to a loan amount evaluation method and related equipment.

Background technique

In the traditional supply chain, dealers generally purchase goods at the supplier, and the profit from the sale is the dealer's income. If the dealer's capital turnover is difficult, you can apply for a loan, and the loan platform will charge the dealer for the cost of purchasing the goods, and the dealer will repay the loan.

At present, the amount of dealer loans is determined by the supplier. It is difficult to ensure that the loan amount is used in the supply chain. If the funds are not used in the supply chain, that is, the loan amount and If the procurement needs do not match, the dealer repayment will not be guaranteed to a certain extent. It can be seen that the current method of determining the loan amount is not accurate enough, which increases the loan risk of the loan platform.

Summary of the invention

The embodiment of the invention provides a loan amount evaluation method and related equipment, which can accurately estimate the loan amount according to the purchase list, and is beneficial to reducing the loan risk of the loan platform.

In a first aspect, an embodiment of the present invention provides a method for evaluating a loan amount, including:

Receiving a loan request submitted by a dealer, the loan request carrying an application quota, a purchase list, supplier information, and dealer information;

Sending the purchase list and the dealer information to a supplier corresponding to the supplier information;

Receiving an approval amount submitted by the supplier, the approval amount being determined by the supplier according to the purchase list and the dealer information;

In the case where it is determined according to the dealer information that the loan is allowed to be given to the dealer, the loan amount of the dealer is determined according to the application quota and the approval amount.

Optionally, the specific implementation manner of determining the loan amount of the dealer according to the application quota and the approved quota is: obtaining a first difference between the application quota and the approved quota; and the first difference is less than or equal to the first preset In the case of the difference threshold, the approval amount is determined as the dealer's loan amount.

Optionally, the specific implementation manner of determining the loan amount of the dealer according to the application quota and the approval quota is: obtaining a first difference between the application quota and the approval quota; and the first difference is less than Or equal to the first preset difference threshold, determining the estimated amount of the dealer according to the dealer information; obtaining the second difference between the approved amount and the estimated amount, and the second difference is less than or equal to the second difference In the case of the second preset difference threshold, the smaller of the approved amount and the estimated amount or the average of the approved amount and the estimated amount; the smaller value or the average value is determined as the dealer's loan amount.

Optionally, before the sending the purchase list and the dealer information to a supplier corresponding to the supplier information, performing credit evaluation on the supplier based on the supplier information to determine the supplier a credit score; if the credit score of the supplier is greater than or equal to a first preset credit score threshold, performing the sending the purchase list and the dealer information to a supplier corresponding to the supplier information A step of.

Optionally, in the case that the loan is allowed to be given to the dealer according to the dealer information, before determining the loan amount of the dealer according to the application quota and the approval quota, based on the dealer The information is credited to the dealer to determine a credit score of the dealer; and if the credit score of the dealer is greater than or equal to a second preset credit score threshold, determining to allow the loan to the dealer .

Optionally, the method for performing credit evaluation on the dealer based on the dealer information, and determining a credit score of the dealer is: obtaining the credit of the dealer based on the dealer information Information; determining a credit score corresponding to each credit information; determining a credit score of the dealer according to the credit score corresponding to each credit information.

Optionally, the method for performing credit evaluation on the supplier based on the supplier information, and determining a credit score of the supplier is: acquiring the credit of the supplier based on the supplier information Information; determining a credit score corresponding to each credit information; determining a credit score of the supplier according to the credit score corresponding to each credit information.

In a second aspect, an embodiment of the present invention provides a loan amount evaluation apparatus, the loan amount evaluation apparatus comprising means for performing the method of the above first aspect.

In a third aspect, an embodiment of the present invention provides a server, where the server includes a processor, a network interface, and a memory, where the processor, the network interface, and the memory are connected to each other, wherein the network interface is controlled by the processor. For transmitting and receiving messages, the memory is for storing a computer program supporting a server to perform the above method, the computer program comprising program instructions, the processor being configured to invoke the program instructions to perform the method of the first aspect above.

In a fourth aspect, an embodiment of the present invention provides a computer readable storage medium, where the computer readable storage medium stores a computer program, where the computer program includes program instructions, and when the program instructions are executed by the processor, The processor performs the method of the first aspect above.

In the embodiment of the present invention, the server may receive the loan request submitted by the dealer, and send the purchase list and the dealer information carried in the loan request to the supplier corresponding to the supplier information in the loan request, and then receive the approval quota submitted by the supplier. In the case of determining the loan allowed to the dealer according to the dealer information in the loan request, the loan amount of the dealer is determined according to the application quota and the approved quota, and the loan amount can be accurately evaluated according to the purchase list, which is beneficial to lowering the loan platform. Loan risk.

DRAWINGS

In order to more clearly illustrate the technical solutions in the embodiments of the present invention, the drawings to be used in the embodiments will be briefly described below. It is obvious that the drawings in the following description are only some embodiments of the present invention. Those skilled in the art can also obtain other drawings based on these drawings without paying for creative labor.

1 is a schematic structural diagram of an internet financial system according to an embodiment of the present invention;

2 is a schematic flowchart of a loan amount evaluation method according to an embodiment of the present invention;

FIG. 3 is a schematic flowchart diagram of another loan amount evaluation method according to an embodiment of the present invention; FIG.

4 is a schematic block diagram of a loan amount evaluation apparatus according to an embodiment of the present invention;

FIG. 5 is a schematic block diagram of a server according to an embodiment of the present invention.

Detailed ways

The technical solutions in the embodiments of the present invention are clearly and completely described in the following with reference to the accompanying drawings in the embodiments of the present invention. It is obvious that the described embodiments are only a part of the embodiments of the present invention, but not all embodiments. All other embodiments obtained by those skilled in the art based on the embodiments of the present invention without creative efforts are within the scope of the present invention.

In order to better understand the embodiments of the present invention, an Internet financial system to which the embodiments of the present invention are applicable will be described below.

FIG. 1 is a schematic structural diagram of an internet financial system according to an embodiment of the present invention. As shown in FIG. 1, the internet financial system can include a first client 101, a second client 102, and a server 103. The first client 101 and the second client 102 may be mobile terminals, such as smart phones, tablet computers, car computers, etc.; or may be wearable devices, such as sports bracelets, telephone watches, etc.; Devices, such as desktop computers. The server 103 can be a loan platform provided by a lender.

In a specific implementation, in the Internet financial system, the distributor performs data interaction with the server 103 through the second client 102, and the loan request can be uploaded to the server 103 through the second client 102, where the loan request carries the application quota and purchase. List, supplier information, dealer information, etc.; the supplier interacts with the server 103 through the first client 101, and can receive the dealer information and the purchase list provided by the dealer through the server 103, and can be based on the purchase list and the dealer The information determines the approval amount, and then uploads the approval quota to the server 103. The server 103 can receive the loan request uploaded by the second client 102, where the loan request carries the application quota, the purchase list, the supplier information, and the dealer information. The purchase list and dealer information are sent to the first client 101. Further, the server 103 may also obtain the approval quota from the first client 101, and determine the loan amount of the dealer according to the application quota and the approved quota in the case where it is determined according to the dealer information that the loan is allowed to be distributed to the dealer.

Data interaction between the first client 101 and the server 103 and between the second client 102 and the server 103 can be performed by wired or wireless connection.

In a feasible embodiment, the foregoing internet financial system may be a system using blockchain technology, and the first client 101, the second client 102, and the server 103 may be nodes on the blockchain.

In a possible embodiment, the server 103 may be replaced by a blockchain system, and the first client 101 and the second client 102 may be terminal devices of nodes connected to the blockchain.

The loan amount evaluation method and related equipment provided by the embodiments of the present invention are further described below.

Referring to FIG. 2, FIG. 2 is a schematic flowchart of a loan amount evaluation method according to an embodiment of the present invention. As shown in the figure, the loan amount evaluation method may include:

201. The server receives a loan request submitted by a dealer, where the loan request carries an application quota, a purchase list, supplier information, and dealer information.

The purchase list is a list of goods that the dealer purchases the goods from the supplier, and the purchase list may record the name, model, quantity, purchase unit price, and supplier name of the purchased goods. For example, the purchase list shown in Table 1 can be seen from Table 1. The purchase list can be a one-to-one list of goods corresponding to the supplier, that is, all the goods recorded in the purchase list can be provided by the same supplier. .

Table 1

The supplier information may include personal information of the supplier, for example, may be the name, gender, age, contact address, contact information, income status, etc. of the supplier, and may also include the enterprise information of the supplier, for example, may be supplied The industrial scale, name, legal representative, registered capital, business scope, etc. Further, the supplier may be an enterprise that has a cooperation agreement with the loan platform in advance.

The dealer information may include personal information of the dealer, business information of the dealer, credit information, and loan information. The personal information of the dealer may be, for example, the name, age, gender, identity card, property record, annual income, etc. of the dealer; the dealer's business information may include the dealer's business scope, registered capital, company size, etc. The dealer's credit information may include the bank credit of the supplier. For example, each credit card may be recorded to reflect the supplier's past liability history; non-bank credits, for example, may record suppliers in communications, water, and electricity. The payment status of coal reflects the situation of whether the supplier has arrears in life; the loan information of the dealer may include the number of loans to the current dealer, the outstanding balance of each loan, and the type of loan. Wait.

202. The server sends the purchase list and the dealer information to a supplier corresponding to the supplier information.

In the specific implementation, if the dealer wants to apply for a loan, he can use the terminal to submit a loan request in the loan platform provided by the lender to request the loan application amount, purchase list, supplier information and dealer information, and issue a loan request. After receiving the loan request, the server can send the dealer information and the purchase list carried in the loan request to the supplier.

The specific method for the server to send the dealer information and the purchase list carried in the loan request to the supplier may be sent to the loan platform for the dealer information and the purchase list, and the supplier may view or use the loan platform; The dealer information and purchase list are sent directly to the supplier via email or SMS. The present invention is not specifically limited thereto.

For example, dealer Zhang San, who wants to lend to the loan company A, can log in to the loan platform provided by the loan company A, submit the application quota for the loan application on the loan platform, the purchase list, the supplier information of the supplier Li Si, and their own Information such as dealer information, and submit a loan request after the submission of these materials. Further, after receiving the loan request, the server of the loan company A can send the dealer information and the purchase list of the dealer Zhang San carried in the loan request to the supplier Li Si.

203. The server receives an approval quota submitted by the vendor.

The approval amount is determined by the supplier based on the purchase list and dealer information. Specifically, the supplier may first determine the authenticity of the purchase list according to the dealer information, and further determine the name, model, quantity, and quantity of the purchased goods recorded in the purchase list, if the content of the purchase list record is authentic. The purchase unit price and dealer information determine the approval amount for the dealer loan request.

For example, as shown in Table 1 of the purchase list 1, after the supplier receives the dealer information and the purchase list 1 provided by the dealer W, it can first determine whether there is a transaction with W according to the dealer information, and the purchase list 1 Whether the model number of the goods recorded is the model number of the goods supplied by itself, and whether the unit price of each item recorded in the purchase list 1 is the unit price of the supply of the goods, whether there is any suspicion of false price. After determining the authenticity of the purchase list 1, estimate the total value of all the goods recorded in the purchase list 1. From Table 1, it can be seen that the total value of the goods recorded in the table is 20,800 yuan, which can be determined by 20,800 yuan. For approval of the quota.

For example, when it is estimated that the total value of the goods recorded in the purchase list 1 is 20,800 yuan, the dealer's business scope, business scale, personal information, etc. recorded in the dealer information can be further combined to understand the dealer's operation. The better the operating conditions, the higher the approval amount, and the worse the operating conditions, the lower the approval amount.

For another example, when it is estimated that the total value of the goods recorded in the purchase list 1 is 20,800 yuan, it can further be combined with other costs normally operated by the dealer (such as distribution cost or labor cost, etc.), for example, the approval amount is determined as 4 Ten thousand yuan, of which, the extra 192,000 yuan will be other costs.

204. The server determines, according to the dealer information, that the loan is allowed to be sent to the dealer, and determines the loan amount of the dealer according to the application quota and the approval quota.

In a specific implementation, the server may perform credit evaluation on the dealer according to the dealer information, determine the credit score of the dealer, and determine that the dealer is allowed to distribute the credit score greater than or equal to the second preset credit score threshold. Commercial loans. Further, after determining that the loan is allowed to be sent to the dealer, the server may obtain the first difference between the application quota and the approval quota, and approve the first difference if the first difference is less than or equal to the first preset difference threshold. The amount is determined as the dealer's loan amount.

Alternatively, if the first difference is greater than the first preset difference threshold, the dealer may have a fraudulent loan behavior to some extent. At this time, the server may re-evaluate the dealer's loan application. Among them, the content of the re-evaluation is mainly to re-evaluate the credit situation of the dealers. The specific method of re-evaluation can be to change the online credit rating to the offline credit rating, and further improve the accuracy of the credit assessment.

In a feasible embodiment, if the first difference is less than or equal to the first preset difference threshold, the average of the application quota and the approved quota may be calculated, and the calculated average value is determined as the loan amount; It is also possible to obtain a smaller value between the application amount and the approved amount, and determine the smaller value as the loan amount; or set a different weight ratio for the application amount and the approved amount (for example, the weight ratio of the application amount is 40%) The weighted ratio of the approved quota is 60%. The application amount is multiplied by its own weight ratio, and the approved quota is multiplied by its own weight ratio. Finally, the multiplied application quota and the approved quota are summed, and the sum will be summed. The result is determined as the loan amount, which is not specifically limited in the present invention.

In a feasible embodiment, when the server performs credit evaluation on the dealer according to the dealer information, and determines the credit score of the dealer, the credit information of the dealer may be obtained based on the dealer information, and determined according to a preset scoring rule. The credit score corresponding to each credit information is obtained, and then the credit score of the dealer is determined according to the credit score corresponding to each credit information. The credit information of the dealer may include the dealer's credit information, the dealer's loan information, and the dealer's historical sales volume. The historical sales volume may be a total sales volume of each product of the dealer in a period, and the period may be, for example, 24 months, 12 months, or 6 months, etc., which is not specifically limited in the present invention.

In a possible embodiment, after the server determines the credit score corresponding to each credit information, each credit score may be summed, and the result of the summation is determined as the dealer's credit score.

For example, the server may set scoring rules for credit information of different resellers, and each scoring rule may include multiple scoring items, scoring conditions, and scoring criteria. For example, the scoring rules corresponding to the dealer's credit information may be as shown in Table 2; the scoring rules corresponding to the dealer's loan information may be as shown in Table 3; the scoring rules corresponding to the dealer's historical sales volume may be as shown in Table 4. . Among them, the value under the rating criteria column represents the credit score corresponding to each rating item.

Table 2

table 3

Table 4

For example, the credit scoring rules set by the server for the dealer W can be as shown in Table 2 - Table 4. When the server performs credit evaluation on the dealer, the credit information of the W, the loan information of the W, and the W can be obtained according to the dealer information. Historical sales volume. Further, the server analyzes the credit information of the W, and determines that the credit score corresponding to the credit information of W is 10 according to the scoring rule of Table 2; and the credit score corresponding to the loan information of W according to the scoring rule of Table 3 is 6 In the past 12 months, the historical sales volume of goods a and goods b are 6000 and 10000 respectively. According to the scoring rules of Table 4, it can be determined that the credit scores corresponding to goods a and goods b are 3 in the past 12 months. 2, therefore, it can be determined that the historical sales volume of W corresponds to a credit score of 5. Further, the credit score 10 corresponding to the credit information of W, the credit score 6 corresponding to the loan information of W, and the credit score 5 corresponding to the historical sales amount of W are summed, and finally the sum result 21 is determined as the dealer W. Credit score.

In a feasible implementation manner, when the server performs credit evaluation on the dealer according to the dealer information, the server may obtain the credit information of the dealer according to the dealer information, and the credit information of the dealer may include the credit information of the dealer. The dealer's loan information and the dealer's historical sales volume. Further, the server may perform credit evaluation on the dealer according to the credit information of the dealer, and determine the loan amount of the dealer according to the application quota and the approved quota in the case that the credit rating of the dealer is determined to be passed.

The server may set different preset conditions for each credit information of the dealer when performing credit evaluation on the dealer. For example, the first preset condition for setting the credit information of the dealer may be corresponding to the credit information. The credit rating is greater than or equal to the preset credit rating threshold; the second preset condition for the dealer's loan information setting may be that the dealer's outstanding loan balance is less than or equal to the preset unfinished loan amount; The third preset condition of the historical sales amount setting may be that the historical sales amount is greater than or equal to the preset sales amount threshold. Further, the server may determine, by using the first preset condition, the second preset condition, and the third preset condition, that the credit rating of the dealer is passed; or the first preset condition, When at least one of the two preset conditions and the third preset condition is satisfied, it is determined that the credit rating of the dealer is passed. The present invention is not specifically limited thereto.

For example, the preset credit rating threshold is 5, the preset unfinished loan amount is 300,000 yuan, and the preset sales volume threshold is 10000, and the condition for the dealer credit rating is the dealer's credit information. The credit rating is greater than or equal to 5, the dealer's outstanding loan balance is less than or equal to 300,000 yuan, and the dealer's historical sales volume is greater than or equal to 10,000. When the server conducts credit evaluation on the dealer, it obtains the credit information of the dealer, the loan information of the dealer and the historical sales volume of the dealer, and through analysis, determines the credit information corresponding to the dealer. The credit rating is 8 levels, the dealer's outstanding loan balance is 150,000 yuan, and the dealer's historical sales volume is 15,000. Obviously, the dealer's credit information satisfies the conditions for the dealer's credit rating. At this time, the server It is possible to determine the credit rating of the dealer.

Referring to FIG. 3, FIG. 3 is a schematic flowchart of another loan amount evaluation method according to an embodiment of the present invention. As shown in the figure, the loan amount evaluation method may include:

301. The server receives a loan request submitted by a dealer, where the loan request carries an application quota, a purchase list, supplier information, and dealer information.

For the specific implementation of the step 301, refer to the related description of the step 201 in the foregoing embodiment, and details are not described herein again.

302. The server performs credit evaluation on the vendor based on the vendor information, and determines a credit score of the vendor.

In a specific implementation, the server may obtain the credit information of the supplier according to the supplier information, and determine a credit score corresponding to each credit information according to a preset scoring rule, and further determine the supply according to the credit score corresponding to each credit information. Business credit score. The credit information of the supplier may include the credit information of the supplier, the quantity of the supplier, or the number of dealers cooperating with the supplier, wherein when the supplier itself produces the goods, the quantity of the supplier's supply It can also be the supplier's output.

Specifically, after the server determines the credit score corresponding to each credit information, each credit score can be summed, and the result of the summation is determined as the credit score of the supplier.

The obtaining of the credit information of the supplier may be in multiple ways: First, the server may obtain the credit information on the personal credit service platform or the bank server according to the supplier information carried in the loan request submitted by the dealer; Second, the server can obtain the credit information provided by the supplier itself on the loan platform in the database according to the supplier information; third, the server can obtain the supplier in the database according to the supplier information. Submitted personal data and historical loan records of suppliers on the loan platform, based on their own algorithm model to calculate the supplier's assets or debt ratio, etc., to generate credit information. The present invention is not specifically limited thereto.

For example, the server may set scoring rules for credit information of different vendors, and each scoring rule may include multiple scoring items, scoring conditions, and scoring criteria. For example, the scoring rules corresponding to the supplier's credit information may be as shown in Table 5; the scoring rules corresponding to the supplier's supply quantity or output may be as shown in Table 6; the scoring rules corresponding to the dealer quantity may be as shown in Table 7. . Among them, the value under the rating criteria column represents the credit score corresponding to each rating item.

table 5

Table 6

Table 7

For example, the credit scoring rules set by the server for the supplier F are as shown in Table 5-Table 7. When the server performs credit evaluation on the supplier, the company obtains the credit information of F, the source of F, and cooperates with F according to the supplier information. The number of dealers. Further, the server analyzes the credit information of F, and according to the scoring rule of Table 5, determines that the credit score corresponding to F is 15; the source of F is 60, and the source of F is determined according to the scoring rule of Table 6. The credit score corresponding to the quantity is 3; the number of dealers cooperating with F is 100, and the credit score corresponding to the number of dealers cooperating with F is determined to be 7 according to the scoring rules of Table 7. Further, the credit score corresponding to the source quantity of F, the credit score corresponding to the credit information of F, and the credit score corresponding to the number of dealers cooperated with F are summed, and finally the sum result 25 is determined as the supplier F. Credit score.

303. The server sends the purchase list and the dealer information to a supplier corresponding to the supplier information if the credit score of the supplier is greater than or equal to a first preset credit score threshold.

In a specific implementation, the server may obtain the credit score of the supplier determined in step 302, and compare the credit score with a preset credit score threshold, and purchase the credit score when the credit score is greater than or equal to a preset credit score threshold. The list and dealer information are sent to the supplier corresponding to the supplier information. After receiving the purchase list and the dealer information, the supplier can determine the approval amount based on the purchase list and the dealer information, and send the approval amount to the server. In the evaluation process of dealer loans, increasing the credit rating of suppliers is not only conducive to improving the authenticity of the approval quota assessment, reducing the loan risk of the loan platform, but also helping to reduce the dealer’s delivery due to the supplier’s operational crisis. Therefore, the risk of not being able to repay properly.

In a feasible implementation manner, the server may obtain the credit information of the supplier according to the supplier information, and the credit information may include the credit information of the supplier, the quantity of the supplier, or the number of dealers that cooperate with the supplier. . Further, the server may perform credit evaluation on the supplier according to the credit information of the supplier, and send the purchase list and the dealer information to the supplier if it is determined that the credit rating of the supplier is passed.

The server may set different preset conditions for each credit information of the supplier when performing credit evaluation on the supplier. For example, the first preset condition set for the credit information of the supplier may be corresponding to the credit information. The credit rating is greater than or equal to the preset credit rating threshold; the second preset condition set for the supplier's supply quantity may be that the supply quantity is greater than or equal to the preset supply quantity threshold; and the number of dealers working with the supplier is set. The third preset condition may be that the number of dealers is greater than or equal to a preset dealer number threshold. Further, the server may determine, by using the first preset condition, the second preset condition, and the third preset condition, that the credit rating of the supplier is passed; or may be the first preset condition, When at least one of the two preset conditions and the third preset condition is satisfied, it is determined that the credit rating of the supplier is passed. The present invention is not specifically limited thereto.

For example, the preset credit level threshold is 7 levels, the preset source quantity threshold is 100, the preset dealer quantity threshold is 150, and the condition for the supplier credit rating is the credit level corresponding to the supplier's credit information. Greater than or equal to level 7, the supplier's source of supply is greater than or equal to 100, and the number of dealers working with the supplier is greater than or equal to 150. When the server performs credit evaluation on the supplier, it can obtain the credit information of the supplier, the supply quantity of the supplier, and the number of dealers working with the supplier. The credit information of the three suppliers is determined through analysis to determine the supplier's The credit rating corresponds to a credit rating of 8 and the supplier's supply is 65. The number of dealers working with the supplier is 50. Obviously, the supplier's credit information does not meet the conditions for the supplier's credit rating. At this point, the server can determine that the supplier's credit rating is not passed.

304. The server receives an approval quota submitted by the vendor, where the approval quota is determined by the vendor according to the purchase list and the dealer information.

For the specific implementation of the step 304, refer to the related description of the step 203 in the foregoing embodiment, and details are not described herein again.

305. The server obtains a first difference between the application quota and the approved quota in the case that the server determines to allow the loan to be issued to the dealer according to the dealer information.

306. The server determines, according to the dealer information, an estimated amount of the dealer, if the first difference is less than or equal to a first preset difference threshold.

In the specific implementation, the server may perform credit evaluation on the dealer according to the dealer information to determine whether to give the dealer a loan, and if it is determined that the loan is allowed to be distributed to the dealer, the first difference between the application quota and the approved quota may be obtained, and the first A difference is compared with the first preset difference threshold. If the first difference is greater than the first preset difference threshold, the dealer may have a fraudulent loan behavior to a certain extent. At this time, the server may The loan application is reassessed. Among them, the content of the re-evaluation is mainly to re-evaluate the credit situation of the dealers. The specific method of re-evaluation can be to change the online credit rating to the offline credit rating, and further improve the accuracy of the credit assessment.

Alternatively, if the first difference is less than or the first preset difference threshold, the server may obtain the credit information of the dealer, the loan information of the dealer, and the historical sales volume of the dealer according to the dealer information, and may Based on these credit information, the estimated amount of the dealer is calculated.

307. The server acquires a second difference between the approved quota and the estimated quota. If the second difference is less than or equal to a second preset difference threshold, determining the approved quota and the location. The smaller of the estimated amount or the average of the approved amount and the estimated amount.

308. The server determines the smaller value or the average value as the loan amount of the dealer.

The server obtains a second difference between the approved quota and the estimated amount, and if the second difference is determined to be less than or equal to the second preset difference threshold, the estimated amount may be determined as the dealer's loan amount. It is also possible to pre-set different weight ratios for the estimated amount and the approved amount (for example, the weight ratio of the estimated amount is 40%, the weight ratio of the approved amount is 60%), and the estimated amount is multiplied by its own weight ratio. The approved amount is multiplied by its own weight ratio. Finally, the multiplied estimated amount and the approved amount are summed, and the summation result is determined as the loan amount, which is not specifically limited by the present invention.

It should be noted that, in the case that the server determines that the loan is allowed to be distributed to the dealer according to the dealer information, step 302 is performed to perform credit evaluation on the supplier based on the supplier information; or step 302 may be performed to perform the supplier based on the supplier information. After the credit is assessed, it is determined according to the dealer information whether the loan is allowed to be distributed to the dealer. The present invention does not specifically limit this.

In the embodiment of the present invention, the server may receive the loan request submitted by the dealer, perform credit evaluation on the supplier based on the supplier information carried in the loan request, and determine the credit score of the supplier, where the credit score of the supplier is greater than or equal to the first In the case of a preset credit score threshold, the purchase list and the dealer information are sent to the supplier corresponding to the supplier information, and the approval amount submitted by the supplier is received. Further, the server obtains a first difference between the application quota and the approval quota when the server determines to allow the loan to the dealer according to the dealer information, where the first difference is less than or equal to the first preset difference threshold. In the case of the dealer, the estimated amount of the dealer is determined according to the dealer information, and the second difference between the approved amount and the estimated amount is obtained, and the second difference is less than or equal to the second preset difference threshold. Next, obtain the smaller of the approved amount and the estimated amount, or obtain the average of the approved amount and the estimated amount, and then determine the smaller value or the average value as the dealer's loan amount, which can be accurately determined according to the purchase list. The evaluation of the loan amount is conducive to reducing the loan risk of the loan platform. At the same time, it increases the credit rating of the supplier in the loan evaluation stage of the dealer, and it is also beneficial to improve the authenticity of the approval quota evaluation.

The embodiment of the present invention further provides a loan amount evaluation device for performing the unit of the method described in FIG. 2 or FIG. 3 described above. Specifically, referring to FIG. 4, it is a schematic block diagram of a loan amount evaluation apparatus according to an embodiment of the present invention. The loan amount evaluation device of this embodiment includes a receiving unit 40, a transmitting unit 41, and a determining unit 42.

The receiving unit 40 is configured to receive a loan request submitted by a dealer, where the loan request carries an application quota, a purchase list, supplier information, and dealer information.

The sending unit 41 is configured to send the purchase list and the dealer information to a supplier corresponding to the supplier information.

The receiving unit 40 is further configured to receive an approval quota submitted by the vendor, where the approval quota is determined by the vendor according to the purchase list and the dealer information.

The determining unit 42 is configured to determine, according to the dealer information, a loan amount of the dealer according to the application quota and the approval quota.

Optionally, the determining unit 42 is specifically configured to: acquire a first difference between the application quota and the approval quota, where the first difference is less than or equal to a first preset difference threshold In the case, the approval amount is determined as the loan amount of the dealer.

Optionally, the determining unit 42 is specifically configured to: acquire a first difference between the application quota and the approval quota, where the first difference is less than or equal to a first preset difference threshold In the case, the estimated amount of the dealer is determined according to the dealer information, and a second difference between the approved amount and the estimated amount is obtained, where the second difference is less than or equal to the first In the case of two preset difference thresholds, determining a smaller value of the approved credit and the estimated credit or an average of the approved credit and the estimated credit, the smaller value or the The average value is determined as the loan amount of the dealer.

Optionally, the determining unit 42 is further configured to: perform credit evaluation on the vendor based on the vendor information, and determine a credit score of the vendor, where the credit score of the vendor is greater than or equal to In the case of the first preset credit score threshold, the sending unit 41 is triggered to send the purchase list and the dealer information to the supplier corresponding to the supplier information.

Optionally, the determining unit 42 is further configured to: perform credit evaluation on the dealer based on the dealer information, determine a credit score of the dealer, and the credit score of the dealer is greater than or equal to In the case of the second preset credit score threshold, it is determined that the loan to the dealer is allowed.

Optionally, the determining unit 42 is configured to: obtain, according to the dealer information, the credit information of the dealer, and determine a credit score corresponding to each credit information, according to each credit information. A credit score that determines the credit score of the dealer.

Optionally, the determining unit 42 is configured to: obtain, according to the vendor information, the credit information of the supplier, and determine a credit score corresponding to each credit information, according to each credit information. A credit score that determines the credit score of the supplier.

It should be noted that the functions of the functional units of the loan amount evaluation apparatus described in the embodiments of the present invention may be specifically implemented according to the method in the method embodiment described in FIG. 2 or FIG. 3, and the specific implementation process may refer to FIG. 2 or The related description of the method embodiment of FIG. 3 is not described herein again.

In the embodiment of the present invention, the receiving unit 40 may receive the loan request submitted by the dealer, and the sending unit 41 sends the purchase list and the dealer information carried in the loan request to the supplier corresponding to the supplier information in the loan request, and the receiving unit 40 receives The approval amount submitted by the supplier, determining unit 42 determines the loan amount of the dealer according to the application quota and the approved amount in the case that the loan information is allowed to be given to the dealer according to the dealer information in the loan request, and the loan amount can be accurately determined according to the purchase list. The assessment will help reduce the loan risk of the loan platform.

Referring to FIG. 5, FIG. 5 is a schematic block diagram of a server according to an embodiment of the present invention. As shown in FIG. 5, the server includes a processor 501, a memory 502, and a network interface 503. The processor 501, the memory 502, and the network interface 503 may be connected by a bus or other means. In FIG. 6 shown in the embodiment of the present invention, a bus connection is taken as an example. The network interface 503 is controlled by the processor for transmitting and receiving messages, the memory 502 is for storing a computer program, the computer program includes program instructions, and the processor 501 is configured to execute program instructions stored by the memory 502. The processor 501 is configured to invoke the program instruction to execute: receiving, by using the network interface 503, a loan request submitted by a dealer, where the loan request carries an application quota, a purchase list, supplier information, and dealer information; The network interface 503 sends the purchase list and the dealer information to a supplier corresponding to the supplier information; and receives an approval quota submitted by the supplier through the network interface 503, where the approval quota is Determining, according to the purchase list and the dealer information, the supplier determines the dealer to be loaned according to the dealer information, and determining the dealer according to the application quota and the approval quota Loan amount.

It should be understood that, in the embodiment of the present invention, the processor 501 may be a central processing unit (CPU), and the processor 501 may also be another general-purpose processor, a digital signal processor (Digital Signal Processor, DSP). ), Application Specific Integrated Circuit (ASIC), Field-Programmable Gate Array (FPGA) or other programmable logic device, discrete gate or transistor logic device, discrete hardware component, and the like. The general purpose processor may be a microprocessor or the processor or any conventional processor or the like.

The memory 502 can include read only memory and random access memory and provides instructions and data to the processor 501. A portion of the memory 502 can also include a non-volatile random access memory. For example, the memory 502 can also store information of the device type.

In a specific implementation, the processor 501, the memory 502, and the network interface 503, which are described in the embodiments of the present invention, may be implemented in the implementation manner of the method embodiment shown in FIG. 2 or FIG. The implementation manner of the loan amount evaluation device described in the embodiment of the present invention is not described herein again.

In another embodiment of the present invention, a computer readable storage medium is stored, the computer readable storage medium storing a computer program, the computer program comprising program instructions, the program instructions being implemented by a processor to: receive a loan request submitted by the dealer, the loan request carrying an application quota, a purchase list, supplier information, and dealer information; and sending the purchase list and the dealer information to a supplier corresponding to the supplier information; Receiving an approval quota submitted by the supplier, the approval quota is determined by the supplier according to the purchase list and the dealer information; and determining, according to the dealer information, permission to be loaned to the dealer Next, determining the loan amount of the dealer according to the application quota and the approval quota.

The computer readable storage medium may be an internal storage unit of a server as described in any of the preceding embodiments, such as a hard disk or a memory of a server. The computer readable storage medium may also be an external storage device of the server, such as a plug-in hard disk equipped on the server, a smart memory card (SMC), and a Secure Digital (SD) card. , Flash Card, etc. Further, the computer readable storage medium may also include both an internal storage unit of the server and an external storage device. The computer readable storage medium is for storing the computer program and other programs and data required by the server. The computer readable storage medium can also be used to temporarily store data that has been output or is about to be output.

Those of ordinary skill in the art will appreciate that the elements and algorithm steps of the various examples described in connection with the embodiments disclosed herein can be implemented in electronic hardware, computer software, or a combination of both, for clarity of hardware and software. Interchangeability, the composition and steps of the various examples have been generally described in terms of function in the above description. Whether these functions are performed in hardware or software depends on the specific application and design constraints of the solution. A person skilled in the art can use different methods for implementing the described functions for each particular application, but such implementation should not be considered to be beyond the scope of the present invention.

A person skilled in the art can clearly understand that, for the convenience and brevity of the description, the specific working process of the server and the unit described above may be referred to the corresponding process in the foregoing method embodiment, and details are not described herein again.

In the several embodiments provided by the present application, it should be understood that the disclosed server and method may be implemented in other manners. For example, the device embodiments described above are merely illustrative. For example, the division of the unit is only a logical function division. In actual implementation, there may be another division manner, for example, multiple units or components may be combined or Can be integrated into another system, or some features can be ignored or not executed. In addition, the mutual coupling or direct coupling or communication connection shown or discussed may be an indirect coupling or communication connection through some interface, device or unit, or an electrical, mechanical or other form of connection.

The units described as separate components may or may not be physically separated, and the components displayed as units may or may not be physical units, that is, may be located in one place, or may be distributed to multiple network units. The purpose of the embodiments of the present invention can be achieved by selecting some or all of the units according to actual needs.

In addition, each functional unit in each embodiment of the present invention may be integrated into one processing unit, or each unit may exist physically separately, or two or more units may be integrated into one unit. The above integrated unit can be implemented in the form of hardware or in the form of a software functional unit.

The integrated unit, if implemented in the form of a software functional unit and sold or used as a standalone product, may be stored in a computer readable storage medium. Based on such understanding, the technical solution of the present invention contributes in essence or to the prior art, or all or part of the technical solution may be embodied in the form of a software product stored in a storage medium. A number of instructions are included to cause a computer device (which may be a personal computer, server, or network device, etc.) to perform all or part of the steps of the methods described in various embodiments of the present invention. The foregoing storage medium includes: a U disk, a mobile hard disk, a read-only memory (ROM), a random access memory (RAM), a magnetic disk, or an optical disk, and the like, which can store program codes. .

The above is only the specific embodiment of the present invention, but the scope of the present invention is not limited thereto, and any equivalent person can be easily conceived within the technical scope of the present invention by any person skilled in the art. Modifications or substitutions are intended to be included within the scope of the invention. Therefore, the scope of protection of the present invention should be determined by the scope of the claims.

Claims

A method for evaluating a loan amount, which is characterized by comprising:

Receiving a loan request submitted by a dealer, the loan request carrying an application quota, a purchase list, supplier information, and dealer information;

Sending the purchase list and the dealer information to a supplier corresponding to the supplier information;

Receiving an approval amount submitted by the supplier, the approval amount being determined by the supplier according to the purchase list and the dealer information;

In the case where it is determined according to the dealer information that the loan is allowed to be given to the dealer, the loan amount of the dealer is determined according to the application quota and the approval amount.
The method according to claim 1, wherein said determining a loan amount of said dealer according to said application amount and said approval amount comprises:

Obtaining a first difference between the application quota and the approved quota;

In case the first difference is less than or equal to the first preset difference threshold, the approval amount is determined as the loan amount of the dealer.
The method according to claim 1, wherein said determining a loan amount of said dealer according to said application amount and said approval amount comprises:

Obtaining a first difference between the application quota and the approved quota;

And determining, in the case that the first difference is less than or equal to the first preset difference threshold, determining the estimated amount of the dealer according to the dealer information;

Obtaining a second difference between the approval quota and the estimated credit, and determining, in the case that the second difference is less than or equal to a second preset difference threshold, determining the approval quota and the estimation a smaller value in the amount or an average of the approved amount and the estimated amount;

The smaller value or the average value is determined as the loan amount of the dealer.
The method according to any one of claims 1 to 3, wherein the method further comprises: before the sending the purchase list and the dealer information to a supplier corresponding to the supplier information, the method further comprising:

Determining a credit rating of the supplier based on the supplier information, and determining a credit score of the supplier;

In the case that the supplier's credit score is greater than or equal to the first preset credit score threshold, the step of transmitting the purchase list and the dealer information to the supplier corresponding to the supplier information is performed.
The method according to claim 1, wherein said determining said permission to said dealer according to said dealer information determines said dealer's according to said application amount and said approval amount Before the loan amount, the method further includes:

Determining a credit rating of the dealer based on the dealer information to determine a credit score of the dealer;

In case the credit score of the dealer is greater than or equal to the second preset credit score threshold, it is determined that the dealer is allowed to lend.
The method according to claim 5, wherein the credit rating is performed on the dealer based on the dealer information, and the credit score of the dealer is determined, including:

Obtaining credit information of the dealer based on the dealer information;

Determining the credit score corresponding to each credit information;

The credit score of the dealer is determined according to the credit score corresponding to each credit information.
The method according to claim 4, wherein the credit rating of the supplier based on the supplier information determines a credit score of the supplier, including:

Obtaining credit information of the supplier based on the supplier information;

Determining the credit score corresponding to each credit information;

The credit score of the supplier is determined according to the credit score corresponding to each credit information.
A loan amount evaluation apparatus, comprising means for performing the method of any one of claims 1-7.
A server, comprising: a processor, a network interface, and a memory, wherein the processor, the network interface, and the memory are connected to each other, wherein the network interface is controlled by the processor for transmitting and receiving messages The memory is for storing a computer program, the computer program comprising program instructions, the processor being configured to invoke the program instructions to perform the method of any of claims 1-7.
A computer readable storage medium, characterized in that the computer readable storage medium stores a computer program, the computer program comprising program instructions that, when executed by a processor, cause the processor to execute as claimed The method of any of 1-7 is claimed.