Data processing method and terminal

Abstract

Embodiments of the invention disclose a data processing method and a terminal. The method comprises the steps of obtaining commodity information and a first repayment plan carried by a calculation instruction, wherein the commodity information comprises a commodity identifier, and the first repayment plan at least comprises any one or more of the following items: a set down-payment ratio, a set period number and a set interest rate; according to the first repayment plan, performing statistics on first attribute data after historical check computation of a target loan commodity corresponding tothe commodity identifier, and according to the first attribute data, performing analysis to obtain a first target parameter; calculating out a calculation result by utilizing the first target parameter, wherein the calculation result comprises a second repayment plan; and outputting the calculation result. By adopting the method, the reference of the calculation result obtained in a calculation stage can be improved.

Description

technical field [0001] The present invention relates to the field of computer technology, in particular to a data processing method and a terminal. Background technique [0002] Traditional consumer finance is a modern financial service method that provides consumer loans to consumers from all walks of life. With the development of the Internet, Internet finance also emerged as the times require. Internet finance refers to financial activities that provide consumers with consumption-related payments, savings, wealth management, credit, and risk management through the Internet. At present, common Internet consumer finance products are mainly divided into cash model and agency payment model. The cash model means that consumer financial service providers directly issue loans to consumers, and consumers pay to retailers when they consume. The pay-for-payment model means that the consumer financial service provider pays the retailer directly when the consumer makes consumption...

AI Technical Summary

Problems solved by technology

However, due to the differences in the factors referred to when calculating the repayment data of the loan product in the above three stages, for example, the calculation stage will refer to the total amount and the number of installments of the loan product to calculate the repayment data, and the trial calculation service will introduce additional services In order to calculate the repayment data, the calculation stage will introduce the user's credit data into consideration, which leads to a big difference between the actual repayment data obtained in the calculation stage and the repayment data obtained in the calculation stage

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