Installment repayment plan generation method and device

Abstract

The invention provides an installment repayment plan generation method and device, and relates to the technical field of bank loan. The method comprises the steps that various repayment elements which are grouped and set in advance are acquired, wherein various repayment elements include a time class repayment element, an amount class repayment element, an interest rate class repayment element and a repayment mode class repayment element; the input quantity of each repayment element is acquired; the unknown quantity of each repayment element is determined by using a preset correlation strategy according to the input quantity of each repayment element; and next repayment time information and repayment amount information of the account are determined by using a preset installment repayment plan strategy according to the input quantity of various repayment elements and the determined unknown quantity. The problems of quite low determination efficiency of the repayment plan and occupation of bank system resources caused by the fact that the repayment plan physical form of the client requires to be updated when the current repayment element changes can be solved by the installment repayment plan generation method and device.

Description

technical field [0001] The invention relates to the technical field of bank loans, in particular to a method and device for generating an installment repayment plan. Background technique [0002] At present, with the continuous development of the banking and financial industry, businesses such as buying houses with loans and buying cars with loans have become popular in various banking institutions. Most of the current car loans and housing loans adopt the repayment method of equal principal and interest. The repayment model of equal principal and interest can be shown as the following formula: [0003] [0004] Among them, A is the repayment amount of each period, n is the number of repayment months, i is the monthly interest rate, and P is the outstanding principal. When the three elements of undue principal, repayment months, and monthly interest rate change, it is obvious that the repayment amount of each period must be updated and calculated accordingly. However, ...

AI Technical Summary

Problems solved by technology

[0006] Embodiments of the present invention provide a method and device for generating an installment repayment plan to solve the need to update the customer's repayment plan physical table when the current repayment elements change, resulting in very low efficiency in determining the repayment plan and taking up The question of the resources of the banking system

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