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Method and device for determining payment rate of loan order, terminal and storage medium

A technology for determining methods and orders, which is applied in the financial field, can solve problems such as the inability to observe the loan asset deposit rate in time, and achieve the effect of flexible adjustment and improved accuracy

Pending Publication Date: 2022-05-27
度小满科技(北京)有限公司
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  • Abstract
  • Description
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  • Application Information

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Problems solved by technology

[0005] The main purpose of this application is to provide a method, device, terminal and storage medium for determining the reminder rate of loan orders, so as to solve the problem in the related technology that the reminder rate of loan assets cannot be observed in time

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  • Method and device for determining payment rate of loan order, terminal and storage medium
  • Method and device for determining payment rate of loan order, terminal and storage medium
  • Method and device for determining payment rate of loan order, terminal and storage medium

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Embodiment Construction

[0049] In order to make the object, technical solution and advantages of the embodiments of the present invention more clear, the following will be combined with the accompanying drawings in the embodiments of the present invention, the technical solutions in the embodiments of the present invention are clearly and completely described, obviously, the described embodiments are only part of the embodiments of the present invention, not all embodiments. Based on embodiments in the present invention, all other embodiments obtained by those of ordinary skill in the art without making creative work, are within the scope of protection of the present invention.

[0050] The description and claims of the present invention and the terms "first", "second", "third", "fourth", etc. (if present) in the above drawings are used to distinguish similar objects, and do not have to be used to describe a particular order or sequencing. It should be understood that the data used in this manner are int...

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Abstract

The invention discloses a method and a device for determining a payment rate of a loan order, a terminal and a storage medium. The method comprises the following steps: counting n loan orders in a financial lending service; based on the loan date of each loan order in the n loan orders and a preset function, determining a repayment date of each loan order; based on the loan amount, the loan date and the repayment date of each loan order, calculating the loan balance of each loan order on the day before the repayment date; and based on the loan balance of each loan order on the day before the repayment date, determining the payment rate of n-k loan orders on the kth overdue day. According to the invention, daily monitoring of all loaning orders is realized by determining the urgency rates of all loaning orders corresponding to each overdue day, so that risk control personnel can quickly and flexibly adjust risk control strategies according to monitoring conditions, and the precision of loaning asset risk assessment is improved.

Description

Technical field [0001] The present application relates to the field of financial technology, specifically, to a method, apparatus, terminal and storage medium for determining the intake rate of a loan order. Background [0002] In the field of financial credit, the access rate is an important indicator for the evaluation of lending assets, and through the observation of the entry rate of lending assets, the risk strategy of the lending assets can be adjusted. How to achieve the determination of the income rate of lending assets in the number of overdue days has become an urgent problem to be solved. [0003] At present, the determination of the overdue rate and the collection rate of lending assets includes the following two methods, the first is the overdue rate analysis method based on the perspective of the large market, that is, the number of days on the lending date of the lending assets is sufficient, that is, the cumulative collection rate of the large market on a certain ...

Claims

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Application Information

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IPC IPC(8): G06Q40/02
CPCG06Q40/03
Inventor 李恒昌崔晓睛庞晋婧甘剑锋
Owner 度小满科技(北京)有限公司
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