Credit investigation second-generation credit report derivative variable processing method

A processing method and credit report technology, applied in data processing applications, instruments, finance, etc., can solve problems such as credit approval risk, error-prone, and error calculation of derived variables, so as to ensure accuracy and rigor, avoid operational risks, and reduce The effect of code development

Pending Publication Date: 2021-06-01
SUNING CONSUMER FINANCE CO LTD
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Problems solved by technology

[0002] The current method of processing derived variables in the People’s Bank of China’s credit report is mainly realized by manual or hard-coded calculation methods. Due to the large amount of credit information and the complex calculation logic of derived variables, manual or hard-coded methods are quite difficult and error-prone. The key Errors in the calculation of derived variables will lead to significant risks in credit approval

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  • Credit investigation second-generation credit report derivative variable processing method
  • Credit investigation second-generation credit report derivative variable processing method
  • Credit investigation second-generation credit report derivative variable processing method

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Embodiment Construction

[0026] Embodiments of the present invention will be further described in detail below in conjunction with the accompanying drawings.

[0027] see figure 1 , a second-generation credit report of the present invention refers to a derivative variable processing method, comprising:

[0028] Step 1. Based on the credit report, analyze and classify the use scenarios of credit report derived variables in combination with the existing credit process;

[0029] Step 2, combined with the technology in the stack, the commonly used calculation logic is fixed and defined as a standard calculation expression;

[0030] Step 3, based on the standard calculation expression, configure the processing logic of the derived variable.

[0031] In the embodiment, it also includes: modifying the configuration of the xml expression through general logic to realize the requirement change.

[0032] In the embodiment, the processing logic is configured in the xml in the form of an expression, and each n...

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Abstract

The invention discloses a credit investigation second-generation credit report derivative variable processing method, which comprises the following steps of: 1, analyzing and classifying a use scene of a credit investigation report derivative variable in an existing credit process based on a credit investigation report; 2, defining a common calculation logic fixed telephone as a standard calculation expression in combination with an in-stack technology; and 3, based on the standard calculation expression, configuring the processing logic of the derivative variables. Code development is reduced, developers only need to pay attention to implementation of business logic, if requirements are changed, general logic only needs to modify configuration of an xml expression needs, the accuracy and preciseness of index calculation are guaranteed, operation risks are avoided, if variables with complex logic cannot be output through configuration, the calculation expression can be self-defined, an existing expression library is expanded, and subsequent derivative variable processing is facilitated.

Description

technical field [0001] The invention belongs to the technical field of credit investigation data processing, and in particular relates to a method for processing derivative variables of a second-generation credit report. Background technique [0002] The current method of processing derived variables in the People’s Bank of China’s credit report is mainly realized by manual or hard-coded calculation methods. Due to the large amount of credit information and the complex calculation logic of derived variables, manual or hard-coded methods are quite difficult and error-prone. The key Errors in the calculation of derived variables will lead to significant risks in credit approval. Contents of the invention [0003] The technical problem to be solved by the present invention is to provide a method for processing derivative variables of the second-generation credit report in view of the deficiencies of the above-mentioned prior art. [0004] For realizing above-mentioned techni...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06F40/14G06Q40/02
CPCG06F40/14G06Q40/03
Inventor 段元文王仁杰郑梦久
Owner SUNING CONSUMER FINANCE CO LTD
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