Credit line data processing method, device, computer device and storage medium

Abstract

The invention discloses a Credit line data processing method, device, computer device and storage medium. The method comprises the following steps: obtaining the current account data of a target enterprise according to the unique identification of the enterprise; wherein The account data includes accounts receivable data and accounts payable data; Determining a total amount of accounts of the target enterprise according to the accounts receivable data and the accounts payable data; Determining a credit granting upper limit of the target enterprise according to the total amount of the account;Obtaining the total amount of the current granted credit of the target enterprise, and adjusting the current granted credit limit to the upper limit of the credit when the difference between the upperlimit of the granted credit limit and the total amount of the current granted credit is greater than or equal to zero. The invention can realize real-time and dynamic adjustment of the credit line ofthe target enterprise, has high data accuracy, improves the credibility and rationality of the credit line, and provides a basis for the financial institution to determine the credit line of the target enterprise.

Description

technical field [0001] The invention relates to the field of data processing, in particular to a credit line data processing method, device, computer equipment and storage medium. Background technique [0002] At present, when banks and other financial institutions approve an enterprise's loan application, they all need to calculate the enterprise's credit line. The credit line refers to the stock management index of the short-term credit business approved by banks and other financial institutions for customers. As long as the total amount of funds in the credit business of the enterprise does not exceed the stated credit line, the enterprise can obtain short-term short-term loans quickly provided by banks and other financial institutions to the enterprise. credit funds. [0003] In the existing technology, the calculation of the credit line needs to collect enterprise credit data, Internet data, etc., generate an enterprise credit rating evaluation report, and then determi...

AI Technical Summary

Problems solved by technology

[0003] In the existing technology, the calculation of the credit line needs to collect enterprise credit data, Internet data, etc., generate an enterprise credit rating evaluation report, and then determine the credit line of the enterprise according to the enterprise credit rating evaluation report; the shortcomings of this solution are: The amount of collected data is large and messy, the processing process is cumbersome and time-consuming, and there are many human intervention factors, resulting in low processing efficiency and large errors; and it may often occur after the completion of the corporate credit rating report that the previously collected data has long been As a result, the generated corporate credit rating report is inaccurate and lacks rationality and credibility

Images