Loan interest rate determination method and device, equipment, storage medium and program product

Abstract

The invention provides a loan interest rate determination method and device, equipment, a storage medium and a program product, and relates to the technical field of big data. A current loan interest rate determination method mainly depends on credit risk levels, and consideration factors are single. According to the method for determining the loan interest rate, factors such as the risk level, the value contribution, the market competition, the risk income and the customer expectation of the customer are comprehensively considered, and the accuracy, the market competitiveness and the profitability of the loan interest rate can be greatly improved. The method comprises the following steps: firstly, determining a multi-dimensional evaluation interest rate through a customer credit risk level, a value contribution level and an interest rate of the same industry; and according to capital cost, risk cost, operation cost, tax cost and the like, determining a standard guidance interest rate which is a loan base line interest rate. And finally, determining a final approval interest rate by comprehensively considering the multi-dimensional evaluation interest rate, the standard guidance interest rate and the application interest rate of the customer.

Description

Technical Field

[0001] This application relates to the field of big data technology, and in particular to a method, apparatus, device, storage medium, and program product for determining loan interest rates. Background Art

[0002] In the financial industry, especially when it comes to loan business, the determination of loan interest rate is a very important link, and the loan interest rate will directly affect whether a customer can withdraw money and the specific amount of withdrawal. Currently, in related technologies, customers are mainly classified according to their credit risk levels, and the loan interest rate corresponding to the corresponding level is used as the final loan interest rate for customers. However, the method for determining loan interest rates in related technologies has a single consideration factor, resulting in inaccurate loan interest rate pricing and difficulty in meeting customer needs. Summary of the Invention

[0003] This application provides a method, apparatus, device, storage medium, and program product for determining loan interest rates, aiming to solve the problem that the existing method for determining loan interest rates has a single consideration factor, resulting in inaccurate loan interest rate pricing and difficulty in meeting customer needs.

[0004] In a first aspect, the method for determining loan interest rates provided by this application includes:

[0005] In response to receiving a loan interest rate determination request from a customer, obtain the customer's credit risk level, customer value contribution level, and peer interest rate; wherein, the customer value contribution level is determined by the customer's debt pressure assessment value, external value assessment value, and in-bank contribution assessment value; the peer interest rate is the loan interest rate of the customer in other banks obtained based on the customer's credit investigation data;

[0006] Match the credit risk level base interest rate in a preset interest rate table based on the customer's credit risk level;

[0007] Match the customer value contribution adjustment amplitude value in a customer value contribution adjustment amplitude table based on the customer's credit risk level and the customer value contribution level, and adjust the credit risk level base interest rate according to the customer value contribution adjustment amplitude value to obtain a first adjusted interest rate; wherein, the customer value contribution adjustment amplitude table includes multiple customer value contribution adjustment amplitude values and the mapping relationship between the customer's credit risk level, the customer value contribution level, and the customer value contribution adjustment amplitude value;

[0008] Match the interbank interest rate adjustment amplitude value in the interbank interest rate adjustment amplitude table based on the customer credit risk level and the interbank spread, and adjust the first adjusted interest rate according to the interbank interest rate adjustment amplitude value to obtain the multi-dimensional evaluation interest rate; wherein, the interbank interest rate adjustment amplitude table includes a plurality of the interbank interest rate adjustment amplitude values and the mapping relationship between the customer credit risk level, the interbank spread and the interbank interest rate adjustment amplitude value; the interbank spread is the difference between the interbank interest rate and the basic interest rate of the credit risk level.

[0009] Send a loan interest rate determination response, and the multi-dimensional evaluation interest rate of the customer is included in the loan interest rate determination response.

[0010] In a possible design, before matching the customer value contribution adjustment amplitude value in the customer value contribution adjustment amplitude table based on the customer credit risk level and the customer value contribution level, it further includes:

[0011] Determine the initial pricing adjustment coefficient based on the ratio of the interval bad rate of the customer value contribution level to the average bad rate of the customer credit risk level;

[0012] Determine the excess return rate based on the difference between the interval risk-adjusted return rate of the customer value contribution level and the average risk-adjusted return rate of the customer credit risk level;

[0013] Adjust the pricing adjustment coefficient based on the excess return rate to obtain the pricing correction coefficient;

[0014] Obtain a plurality of the customer value contribution adjustment amplitude values based on the pricing correction coefficient and the pricing adjustment conversion formula;

[0015] Establish the mapping relationship between a plurality of the customer value contribution adjustment amplitude values, the customer credit risk level and the customer value contribution level to obtain the customer value contribution adjustment amplitude table.

[0016] In a possible design, if the interbank spread is greater than the first preset spread, the matched interbank interest rate adjustment amplitude value is positive; if the interbank spread is less than or equal to the first preset spread and greater than the second preset spread, the matched interbank interest rate adjustment amplitude value is 0; if the interbank spread is less than or equal to the second preset spread and greater than the third preset spread, the matched interbank interest rate adjustment amplitude value is positive or negative; if the interbank spread is less than or equal to the third preset spread, the matched interbank interest rate adjustment amplitude value is 0;

[0017] Wherein, the first preset spread > the second preset spread > the third preset spread, and both the first preset spread and the second preset spread are positive numbers, and the third preset spread is a negative number.

[0018] In a possible design, before matching the interbank interest rate adjustment amplitude value in the interbank interest rate adjustment amplitude table based on the customer credit risk level and the interbank spread, it further includes:

[0019] Comparing the interbank spread with a fourth preset spread;

[0020] In response to the interbank spread being less than or equal to the fourth preset spread, generating rejection loan information; wherein, the fourth preset spread is less than the third preset spread.

[0021] In a possible design, it further includes:

[0022] Comparing the multi-dimensional evaluation interest rate with a standard guiding interest rate to determine a preliminary approval interest rate; wherein, the standard guiding interest rate is a loan interest rate determined according to the capital cost rate, risk cost rate, operating cost rate, tax cost rate, and risk-adjusted return rate target value.

[0023] In a possible design, the comparing the multi-dimensional evaluation interest rate with the standard guiding interest rate to determine the preliminary approval interest rate includes:

[0024] In response to the multi-dimensional evaluation interest rate being greater than or equal to the standard guiding interest rate, using the multi-dimensional evaluation interest rate as the preliminary approval interest rate;

[0025] In response to the multi-dimensional evaluation interest rate being less than the standard guiding interest rate, using the standard guiding interest rate as the preliminary approval interest rate.

[0026] In a possible design, it further includes:

[0027] Obtaining the applicant's interest rate of the customer;

[0028] Comparing the applicant's interest rate with the preliminary approval interest rate to obtain a target approval interest rate.

[0029] In a possible design, the comparing the applicant's interest rate with the preliminary approval interest rate to obtain the target approval interest rate includes:

[0030] In response to the preliminary approval interest rate being greater than the applicant's interest rate, adjusting the preliminary approval interest rate based on a preset interest rate reduction amplitude to obtain the target approval interest rate, and the target approval interest rate is greater than the applicant's interest rate;

[0031] In response to the preliminary approval interest rate being less than or equal to the applicant's interest rate, using the applicant's interest rate as the target approval interest rate.

[0032] In a second aspect, the present application provides a device for determining a loan interest rate, including:

[0033] An acquisition module, configured to, in response to receiving a loan interest rate determination request from a customer, acquire the customer's credit risk level, customer value contribution level, and the inter-bank interest rate; wherein, the customer value contribution level is determined by the customer's debt pressure assessment value, external value assessment value, and in-bank contribution assessment value; the inter-bank interest rate is the loan interest rate of the customer at other banks obtained based on the customer's credit investigation data;

[0034] A matching module, configured to match a credit risk level base interest rate in a preset interest rate table based on the customer's credit risk level;

[0035] An adjustment module, configured to match a customer value contribution adjustment amplitude value in a customer value contribution adjustment amplitude table based on the customer's credit risk level and the customer value contribution level, and adjust the credit risk level base interest rate according to the customer value contribution adjustment amplitude value to obtain a first adjusted interest rate; wherein, the customer value contribution adjustment amplitude table includes a plurality of the customer value contribution adjustment amplitude values and the mapping relationship between the customer's credit risk level, the customer value contribution level, and the customer value contribution adjustment amplitude value;

[0036] The adjustment module is further configured to match an inter-bank interest rate adjustment amplitude value in an inter-bank interest rate adjustment amplitude table based on the customer's credit risk level and the inter-bank interest rate spread, and adjust the first adjusted interest rate according to the inter-bank interest rate adjustment amplitude value to obtain a multi-dimensional evaluation interest rate; wherein, the inter-bank interest rate adjustment amplitude table includes a plurality of the inter-bank interest rate adjustment amplitude values and the mapping relationship between the customer's credit risk level, the inter-bank interest rate spread, and the inter-bank interest rate adjustment amplitude value; the inter-bank interest rate spread is the difference between the inter-bank interest rate and the credit risk level base interest rate;

[0037] A sending module, configured to send a loan interest rate determination response, where the loan interest rate determination response includes the multi-dimensional evaluation interest rate of the customer.

[0038] In a third aspect, the present application provides an electronic device, including: a processor, and a memory communicatively connected to the processor;

[0039] The memory stores computer execution instructions;

[0040] The processor executes the computer execution instructions stored in the memory to implement the method for determining the loan interest rate as described in any item of the first aspect.

[0041] In a fourth aspect, an embodiment of the present application provides a computer-readable storage medium, where computer execution instructions are stored in the computer-readable storage medium, and when the computer execution instructions are executed by a processor, they are used to implement the method for determining the loan interest rate as described in any item of the first aspect.

[0042] Fifth aspect, an embodiment of the present application provides a computer program product, including a computer program, which when executed by a processor implements the method for determining loan interest rate as described in any item of the first aspect.

[0043] The method, device, equipment, storage medium and program product for determining loan interest rate provided by the present application, by responding to receiving a loan interest rate determination request from a customer, obtain the customer's credit risk level, customer value contribution level and interbank interest rate; match the credit risk level base interest rate in a preset interest rate table based on the customer's credit risk level; match the customer value contribution adjustment amplitude value in the customer value contribution adjustment amplitude table based on the customer's credit risk level and customer value contribution level, and adjust the credit risk level base interest rate according to the customer value contribution adjustment amplitude value to obtain the first adjusted interest rate; thus, by introducing the interbank interest rate, market competition factors are fully considered when determining the loan interest rate, which helps to flexibly adjust the loan interest rate according to market conditions, thereby improving market competitiveness; match the interbank interest rate adjustment amplitude value in the interbank interest rate adjustment amplitude table based on the customer's credit risk level and interbank spread, and adjust the first adjusted interest rate according to the interbank interest rate adjustment amplitude value to obtain a multi-dimensional evaluation interest rate; by introducing the customer value contribution level, the influence of the customer's contribution degree on the loan interest rate is considered; send a loan interest rate determination response, and the loan interest rate determination response includes the customer's multi-dimensional evaluation interest rate. Compared with the method of determining loan interest rate only based on the customer's credit risk level in the related art, the method for determining loan interest rate provided by the present application considers the influence of multiple dimensions such as the customer's credit risk level, customer value contribution level and interbank interest rate on the loan interest rate, making the loan interest rate pricing more comprehensive and accurate, and being able to better reflect the actual situation and market positioning of the customer. Description of the Drawings

[0044] The drawings here are incorporated into the specification and constitute a part of this specification, showing embodiments consistent with the present application, and are used together with the specification to explain the principles of the present application.

[0045] Figure 1 It is an application scenario diagram corresponding to the method for determining loan interest rate provided by an embodiment of the present application;

[0046] Figure 2 It is a schematic flowchart of the method for determining loan interest rate provided by an embodiment of the present application;

[0047] Figure 3 It is a schematic flowchart of the method for determining loan interest rate provided by another embodiment of the present application;

[0048] Figure 4 It is a schematic flowchart of the method for determining loan interest rate provided by another embodiment of the present application;

[0049] Figure 5 Structural schematic diagram of an apparatus for determining loan interest rate provided by an embodiment of the present application;

[0050] Figure 6 Structural example diagram of an electronic device provided by an embodiment of the present application.

[0051] Through the above-mentioned drawings, specific embodiments of the present application have been shown, and more detailed descriptions will be provided hereinafter. These drawings and textual descriptions are not intended to limit the scope of the concept of the present application in any way, but to illustrate the concept of the present application to those skilled in the art by referring to specific embodiments. Detailed implementation manners

[0052] Exemplary embodiments will be described in detail herein, and examples are shown in the drawings. When the following description refers to the drawings, unless otherwise indicated, the same numbers in different drawings represent the same or similar elements. The implementation manners described in the following exemplary embodiments do not represent all implementation manners consistent with the present application. On the contrary, they are merely examples of apparatuses and methods consistent with some aspects of the present application as detailed in the appended claims.

[0053] To clearly understand the technical solution of the present application, the solutions of the prior art will be introduced in detail first.

[0054] In the financial industry, determining the loan interest rate is a core link in the loan business. The loan interest rate is directly related to whether a customer can withdraw funds and the amount of funds withdrawn, and also related to the bank's revenue level. In the related art, the customer's credit risk rating is used as the main basis for determining the loan interest rate. The bank classifies customers into different risk levels according to their credit status and sets corresponding loan interest rates accordingly. However, this method for determining the loan interest rate considers only a single factor and ignores various considerations such as the customer's value contribution and market competition factors, resulting in inaccurate pricing of the final loan interest rate, making it difficult to meet customer needs and having poor market competitiveness.

[0055] Therefore, in the face of the above technical problems of the prior art, in order to improve the accuracy of the loan interest rate. When considering influencing factors, in addition to customer risk, the influence of customer value contribution and interbank interest rate is added. Specifically, the credit risk rating base rate corresponding to the customer can be determined through the customer risk rating, and then the credit risk rating base rate can be adjusted by the influence factors of customer contribution and interbank interest rate, so that a loan interest rate that comprehensively considers customer risk, customer value, and interbank interest rate can be obtained.

[0056] Figure 1 An application scenario diagram corresponding to the method for determining loan interest rate provided by an embodiment of the present application.

[0057] Such as Figure 1As shown in the figure, the application scenario provided in this embodiment includes: a customer terminal 10 and a loan interest rate pricing device 11. Specifically, when loan interest rate pricing is required, a loan interest rate determination request is sent from the customer terminal 10 to the loan interest rate pricing device 11. When the loan interest rate pricing device 11 receives the loan interest rate determination request, it obtains the customer credit risk level, the customer value contribution level, and the inter-bank interest rate; then determines the credit risk level base interest rate according to the customer credit risk level, determines the customer value contribution adjustment range value according to the customer credit risk level and the customer value contribution level, and adjusts the credit risk level base interest rate according to the customer value contribution adjustment range value to obtain the first adjusted interest rate; determines the inter-bank interest rate adjustment range value according to the customer credit risk level and the inter-bank interest rate spread, and adjusts the first adjusted interest rate according to the inter-bank interest rate adjustment range value to obtain the multi-dimensional evaluation interest rate; finally, the loan interest rate pricing device 11 sends the multi-dimensional evaluation interest rate to the customer terminal 10.

[0058] The following uses specific embodiments to elaborate in detail on the technical solution of this application and how the technical solution of this application solves the above technical problems. These several specific embodiments below can be combined with each other, and the same or similar concepts or processes may not be repeated in some embodiments. The embodiments of this application will be described below in conjunction with the accompanying drawings.

[0059] In several embodiments provided by this application, it should be understood that the disclosed devices and methods can be implemented in other ways. For example, the device embodiments described above are merely illustrative. For example, the division of modules is only a logical function division. In actual implementation, there may be other division methods. For example, multiple modules can be combined or integrated into another system, or some features can be ignored or not executed. Another point is that the displayed or discussed couplings or direct couplings or communication connections to each other can be through some interfaces, indirect couplings or communication connections of devices or modules, and can be in electrical, mechanical or other forms.

[0060] Figure 2 It is a flowchart of a method for determining a loan interest rate provided by an embodiment of this application.

[0061] As Figure 2 shown, the execution subject of this embodiment is a device for determining a loan interest rate. The device for determining a loan interest rate can be implemented through a computer program, or through a medium storing relevant computer programs, such as a USB flash drive and / or an optical disc, etc.; or, it can also be implemented through an entity device integrated or installed with relevant computer programs, such as a chip, an electronic device, etc. The electronic device can be a computer or a server, etc. The method for determining a loan interest rate provided in this embodiment includes the following steps:

[0062] Step S201: In response to receiving a customer's loan interest rate determination request, obtain the customer's credit risk rating, customer value contribution rating, and peer interest rate. Among them, the customer value contribution rating is determined by the customer's debt pressure assessment value, external value assessment value, and in-house contribution assessment value; the peer interest rate is the loan interest rate of the customer at other banks obtained based on the customer's credit investigation data.

[0063] Among them, the customer credit risk rating is used to reflect the customer's credit status and default risk. The higher the customer credit risk rating, the better the customer's credit status and the lower the default risk. Optionally, a credit risk rating assessment technique is used to determine the customer credit risk rating. When determining the customer credit risk rating, multiple dimensions such as the customer's credit history, financial status, repayment record, occupational stability, industry prospects, and market competitiveness are comprehensively considered.

[0064] Among them, the customer value contribution rating is used to reflect the customer's value and value to this bank. The higher the customer value contribution model rating, the better the customer quality, the lower the capital hunger, the higher the risk-adjusted return rate, and the greater the value to this bank.

[0065] Specifically, when determining the customer value contribution rating, obtain the total assessment score of the debt pressure assessment value, external value assessment value, and in-house contribution assessment value, and determine the customer value contribution rating based on the total assessment score. For example, set the full assessment score to 100 points, and the customer value contribution rating is divided into 10 levels. Thus, when obtaining the total assessment score, the customer value contribution rating can be correspondingly known.

[0066] Specifically, when obtaining the debt pressure assessment value, the influencing parameters considered include, but are not limited to, the customer's total debt, number of approval inquiries, debt structure, income-debt ratio, repayment ability, and number of credit-granting institutions.

[0067] Specifically, when obtaining the external value assessment value, it is necessary to distinguish whether the customer is an individual or an enterprise. When the customer is an individual, the following influencing factors will be considered: basic information (such as education level, age, etc.) and work experience (such as work years, investment enterprise information, etc.). When the customer is an enterprise, the following influencing factors will be considered: the enterprise's basic information, business stability, business ability, and enterprise qualification status, etc.

[0068] Specifically, when obtaining the in-house contribution assessment value, it is also necessary to distinguish whether the customer is an individual or an enterprise. When the customer is an individual, the profit contribution and transaction stickiness of the individual, as well as deposits in this bank, purchase of wealth management products, transaction activity, etc. will be considered. When the customer is an enterprise, the profit contribution and transaction stickiness of the enterprise will be considered.

[0069] Among them, the inter-bank interest rate is the loan interest rate of the customer at other banks obtained based on the customer's credit data. The inter-bank interest rate can be used as a reference to understand the customer's financing cost in the market, so as to formulate a more competitive loan interest rate.

[0070] Specifically, the loan interest rate of the customer at other banks is calculated through the inter-bank interest rate measurement technology based on the customer's credit report (personal credit, enterprise credit).

[0071] Step S202: Match the base interest rate of the credit risk level in the preset interest rate table based on the customer's credit risk level.

[0072] Specifically, after obtaining the customer's credit risk level, determine the base interest rate of the credit risk level that matches the customer's credit risk according to the customer's credit risk level.

[0073] Among them, the preset interest rate table can be an interest rate table preset according to market conditions and internal policies. The preset interest rate table includes the mapping relationship between the customer's credit risk level and the base interest rate of the credit risk level. Different credit risk levels correspond to different base interest rates of the credit risk level. Look up the corresponding base interest rate of the credit risk level in the preset interest rate table according to the customer's credit risk level.

[0074] Step S203: Match the adjustment value of the customer value contribution in the customer value contribution adjustment table based on the customer's credit risk level and the customer value contribution level, and adjust the base interest rate of the credit risk level according to the adjustment value of the customer value contribution to obtain the first adjusted interest rate; among them, the customer value contribution adjustment table includes multiple adjustment values of the customer value contribution and the mapping relationship between the customer's credit risk level, the customer value contribution level and the adjustment value of the customer value contribution.

[0075] Specifically, after obtaining the base interest rate of the credit risk level, then match the adjustment value of the customer value contribution in the customer value contribution adjustment table through the customer's credit risk level and the customer value contribution level, and then adjust the base interest rate of the credit risk level by the adjustment value of the customer value contribution, so as to obtain the first adjusted interest rate that comprehensively considers the customer's credit risk level and the customer value contribution level.

[0076] Among them, the customer value contribution adjustment table is a table that includes the adjustment values of the customer value contribution under different combinations of credit risk levels and value contribution levels, as well as the mapping relationship between the customer's credit risk level, the customer value contribution level and the adjustment value of the customer value contribution, and is used to adjust the base interest rate of the credit risk level.

[0077] Among them, the adjustment value of the customer value contribution is an interest rate value used to adjust the base interest rate of the credit risk level, and the adjustment value of the customer value contribution can be a positive value, a negative value or 0.

[0078] Specifically, in the customer value contribution adjustment table, the corresponding customer value contribution adjustment value is found according to the customer credit risk level and the customer value contribution level. The sum of the customer value contribution adjustment value and the base interest rate of the credit risk level is calculated to obtain the first adjusted interest rate, which can reflect the impact of customer value contribution on the loan interest rate.

[0079] Step S204: Match the interbank interest rate adjustment value in the interbank interest rate adjustment table based on the customer credit risk level and the interbank spread, and adjust the first adjusted interest rate according to the interbank interest rate adjustment value to obtain the multi-dimensional evaluation interest rate; wherein, the interbank interest rate adjustment table includes multiple interbank interest rate adjustment values and the mapping relationship between the customer credit risk level, the interbank spread and the interbank interest rate adjustment value; the interbank spread is the difference between the interbank interest rate and the base interest rate of the credit risk level.

[0080] Specifically, after obtaining the first adjusted interest rate, the interbank interest rate adjustment value is determined in the interbank interest rate adjustment table based on the customer credit risk level and the interbank spread, and the first adjusted interest rate is adjusted according to the interbank interest rate adjustment value, thereby obtaining the multi-dimensional evaluation interest rate. The multi-dimensional evaluation interest rate is the loan interest rate obtained by comprehensively considering the customer risk level, the customer value contribution level and the impact of the interbank interest rate.

[0081] Wherein, the interbank spread is the difference between the interbank interest rate and the base interest rate of the credit risk level.

[0082] The customer value contribution adjustment table is a table that includes the interbank interest rate adjustment values under different combinations of credit risk levels and interbank spreads, as well as the mapping relationship between the customer credit risk level, the interbank spread and the interbank interest rate adjustment value, and is used to adjust the first adjusted interest rate. The interbank interest rate adjustment table takes into account interbank competition and market conditions.

[0083] The interbank interest rate adjustment value is the interest rate value used to adjust the first adjusted interest rate, and the interbank interest rate adjustment value can be a positive value, a negative value or 0.

[0084] Specifically, in the interbank interest rate adjustment table, the corresponding interbank interest rate adjustment value is found according to the customer credit risk level and the interbank spread. The sum of the interbank interest rate adjustment value and the first adjusted interest rate is calculated to obtain the multi-dimensional evaluation interest rate. Therefore, the multi-dimensional evaluation interest rate takes into account both the credit status and value contribution of the customer, as well as market competition factors. Compared with the related technology that only considers the customer's credit risk, the multi-dimensional evaluation interest rate is more accurate, more in line with customer needs, and has a certain market competitiveness.

[0085] Step S205: Send a loan interest rate determination response, and the loan interest rate determination response includes the multi-dimensional evaluation interest rate of the customer.

[0086] Specifically, after obtaining the multi-dimensional evaluation interest rate, the multi-dimensional evaluation interest rate is sent to the bank staff as part of the loan interest rate determination response, so that the staff can perform subsequent processing based on the multi-dimensional evaluation interest rate.

[0087] Furthermore, in addition to including the customer's multi-dimensional evaluation interest rate, the loan interest rate determination response may also contain other relevant information, such as the loan term, repayment method, etc.

[0088] The method for determining the loan interest rate provided in this embodiment includes, in response to receiving a customer's loan interest rate determination request, obtaining the customer's credit risk level, customer value contribution level, and inter-bank interest rate; matching the basic interest rate for the credit risk level in a preset interest rate table based on the customer's credit risk level; matching the customer value contribution adjustment value in the customer value contribution adjustment table based on the customer's credit risk level and customer value contribution level, and adjusting the basic interest rate for the credit risk level according to the customer value contribution adjustment value to obtain the first adjusted interest rate; matching the inter-bank interest rate adjustment value in the inter-bank interest rate adjustment table based on the customer's credit risk level and inter-bank interest rate spread, and adjusting the first adjusted interest rate according to the inter-bank interest rate adjustment value to obtain the multi-dimensional evaluation interest rate; sending a loan interest rate determination response, where the loan interest rate determination response includes the customer's multi-dimensional evaluation interest rate. Compared with the method of pricing the loan interest rate only based on the customer's credit risk level in the related art, in this application, the basic interest rate for the credit risk level is determined through the customer's credit risk level, and by introducing the inter-bank interest rate, market competition factors are fully considered when determining the loan interest rate, which helps to flexibly adjust the loan interest rate according to market conditions, thereby improving market competitiveness; by introducing the customer value contribution level, the impact of the customer's contribution on the loan interest rate is considered. Therefore, the method for determining the loan interest rate provided in this application considers the impacts of multiple dimensions such as the customer's credit risk level, customer value contribution level, and inter-bank interest rate on the loan interest rate, making the loan interest rate pricing more comprehensive and accurate, and being able to better reflect the actual situation and market positioning of the customer.

[0089] Figure 3 It is a flowchart of the method for determining the loan interest rate provided in another embodiment of this application.

[0090] As an alternative implementation, based on any of the above embodiments, as Figure 3 shown, before matching the customer value contribution adjustment value in the customer value contribution adjustment table based on the customer's credit risk level and customer value contribution level, the following steps are further included:

[0091] S301. Determine an initial pricing adjustment coefficient based on the ratio of the interval bad rate of the customer value contribution level to the average bad rate of the customer credit risk level.

[0092] Specifically, when obtaining the customer value contribution amplitude adjustment table, first, determine the initial pricing adjustment coefficient through the ratio of the interval bad rate of the customer value contribution level to the average bad rate of the customer credit risk level. The initial pricing adjustment coefficient can measure the degree of bad rate of the customer value contribution level where the customer is located compared to customers with the same credit risk level. The larger the value, the greater the bad rate of the customer value contribution level where the customer is located compared to the same credit risk level. By comparing the interval bad rate of the customer value contribution level with the average bad rate of the customer credit risk level, an influence coefficient reflecting the impact of customer value contribution on customer credit risk can be obtained, that is, the initial pricing adjustment coefficient.

[0093] Among them, the interval bad rate of the customer value contribution level refers to the probability that a customer defaults or has bad debts within a certain customer value contribution level interval. Specifically, the interval probability of the customer value contribution level is obtained through historical data analysis.

[0094] Among them, the average bad rate of the customer credit risk level refers to the average probability of customer default in the current customer credit risk level. Specifically, the average bad rate of the customer credit risk level is obtained through historical data analysis.

[0095] Exemplarily, for the convenience of understanding this method, an initial pricing adjustment coefficient table is provided in this embodiment, as shown in Table 1 for reference.

[0096] Table 1: Initial Pricing Adjustment Coefficient Table

[0097]

[0098] S302. Determine the excess return rate based on the difference between the interval risk-adjusted return rate of the customer value contribution level and the average risk-adjusted return rate of the customer credit risk level.

[0099] Specifically, determine the excess return rate through the difference between the interval risk-adjusted return rate of the customer value contribution level and the average risk-adjusted return rate of the customer credit risk level. The excess return rate can measure the profitability of customers in the customer value contribution level interval compared to customers with the same customer risk level. If the excess return rate > 0, it means that customers in the customer value contribution level interval are more profitable than customers with the same credit risk level. By calculating the difference between the interval risk-adjusted return rate of the customer value contribution level and the average risk-adjusted return rate of the customer credit risk level, a value reflecting the excess return that customer value contribution can bring relative to the average credit risk level can be obtained, that is, the excess return rate.

[0100] Among them, the interval risk-adjusted return rate of the customer value contribution level refers to the average return rate that customers can bring within a certain customer value contribution level interval after considering risk factors. Specifically, the interval risk-adjusted return rate of the customer value contribution level is obtained through the analysis of a large amount of historical data.

[0101] Among them, the average risk-adjusted return rate of the customer credit risk level refers to the average return rate after considering risk factors among different customer credit risk levels. Specifically, the average risk-adjusted return rate of the customer credit risk level is obtained through the analysis of historical data.

[0102] Exemplarily, for the convenience of understanding this method, an excess return rate table is provided in this embodiment, as shown in Table 2 for reference.

[0103] Table 2: Excess Return Rate Table

[0104]

[0105] S303. Adjust the pricing adjustment coefficient based on the excess return rate to obtain a pricing correction coefficient.

[0106] Specifically, after obtaining the pricing adjustment coefficient and the excess return rate, use the excess return rate to adjust the pricing adjustment coefficient, thereby obtaining a pricing correction coefficient.

[0107] Among them, the excess return rate can be regarded as an adjustment factor to adjust and correct the initial pricing adjustment coefficient, thereby obtaining a more accurate coefficient, that is, the pricing correction coefficient. This pricing correction coefficient takes into account both the customer's credit risk and the impact of the customer's value contribution on the credit risk and the resulting excess return.

[0108] Optionally, there can be various ways to adjust the pricing adjustment coefficient using the excess return rate. For example, directly sum the excess return rate and the pricing correction coefficient, or judge the excess return rate. When the excess return rate is greater than the preset return rate, then adjust the pricing adjustment coefficient corresponding to the excess return rate; when the excess return rate is less than or equal to the preset return rate, do not adjust the pricing adjustment coefficient. Specifically, in this embodiment, no limitation is imposed on how to adjust the pricing adjustment coefficient according to the excess return rate.

[0109] Exemplarily, since the differences in the initial pricing adjustment coefficients for high customer value contribution levels among different customer credit risk levels are not obvious, but the lower the customer credit risk level, the higher the risk-adjusted return rate. Because the pricing for high customer credit risk levels is low and the profit margin is small, the risk-adjusted return rate is lower. Therefore, the initial pricing adjustment coefficient should be reduced for low customer credit risk levels with high customer value contribution levels. To facilitate the understanding of this method, a pricing correction coefficient table is provided in this embodiment, as shown in Table 3 for reference.

[0110] Table 3: Pricing Correction Coefficient Table

[0111]

[0112] S304. Obtain multiple customer value contribution adjustment magnitudes based on the pricing correction coefficient and the pricing adjustment amplitude conversion formula.

[0113] Specifically, after obtaining the pricing correction coefficient, use the pricing adjustment amplitude conversion formula and the pricing correction coefficient to obtain the specific values of the customer value contribution adjustment magnitudes.

[0114] Among them, the pricing adjustment amplitude conversion formula is a mathematical formula that converts the pricing correction coefficient into a specific adjustment amplitude. Optionally, in this embodiment, the pricing adjustment amplitude conversion formula is:

[0115] Customer value contribution adjustment magnitude = (pricing correction coefficient - 1) * adjustment step, where the adjustment step is %.

[0116] Specifically, by substituting the pricing correction coefficient into the pricing adjustment amplitude conversion formula, multiple customer value contribution adjustment magnitudes corresponding to different combinations of customer credit risk levels and customer value contribution levels can be obtained.

[0117] S305. Establish a mapping relationship between multiple customer value contribution adjustment magnitudes and customer credit risk levels and customer value contribution levels to obtain a customer value contribution adjustment amplitude table.

[0118] Specifically, after obtaining multiple customer value contribution adjustment magnitudes, establish a mapping relationship between multiple customer value contribution adjustment magnitudes and customer credit risk levels and customer value contribution levels, thereby obtaining a customer value contribution adjustment amplitude table for use in the subsequent loan interest rate pricing process to quickly find the corresponding customer value contribution adjustment magnitude according to the customer credit risk level and customer value contribution level.

[0119] Exemplarily, to facilitate the understanding of this method, a customer value contribution adjustment amplitude table is provided in this embodiment, as shown in Table 4 for reference.

[0120] Table 4: Customer Value Contribution Adjustment Amplitude Table

[0121]

[0122] Before matching the customer value contribution adjustment range value in the customer value contribution adjustment range table based on the customer credit risk level and the customer value contribution level, it is also necessary to determine the customer value contribution adjustment range table. Specifically: First, determine the initial pricing adjustment coefficient based on the ratio of the interval bad rate of the customer value contribution level to the average bad rate of the customer credit risk level; Second, determine the excess return rate based on the difference between the interval risk-adjusted return rate of the customer value contribution level and the average risk-adjusted return rate of the customer credit risk level, and adjust the pricing adjustment coefficient based on the excess return rate to obtain the pricing correction coefficient; Then, obtain multiple customer value contribution adjustment range values based on the pricing correction coefficient and the pricing adjustment conversion formula; Finally, establish the mapping relationship between multiple customer value contribution adjustment range values, the customer credit risk level, and the customer value contribution level to obtain the customer value contribution adjustment range table, so as to quickly find the corresponding customer value contribution adjustment range value according to the customer credit risk level and the customer value contribution level.

[0123] As an alternative implementation, based on any of the above embodiments, if the interbank spread is greater than the first preset spread, the matched interbank interest rate adjustment range value is positive; if the interbank spread is less than or equal to the first preset spread and greater than the second preset spread, the matched interbank interest rate adjustment range value is 0; if the interbank spread is less than or equal to the second preset spread and greater than the third preset spread, the matched interbank interest rate adjustment range value is positive or negative; if the interbank spread is less than or equal to the third preset spread, the matched interbank interest rate adjustment range value is 0; where the first preset spread > the second preset spread > the third preset spread, and both the first preset spread and the second preset spread are positive numbers, and the third preset spread is a negative number.

[0124] Specifically, the interbank interest rate adjustment range table includes multiple interbank interest rate adjustment range values, and the mapping relationship between the interbank interest rate adjustment range values, the customer credit risk level, and the interbank spread.

[0125] Specifically, in this embodiment, the customers are classified into two categories based on the interbank spread, specifically including:

[0126] High-spread customers, that is, customers with an interbank spread greater than the first preset spread. The characteristics of such customers are as follows: The interbank interest rate pricing of the customers is much higher than the loan interest rate pricing of this financial institution, and the credit risk rating in this financial institution is high, indicating that the customer risk is underestimated. The customer signing and drawing rate is high, while the pricing cannot cover the risk cost. For such customers, it is necessary to raise the interest rate and shrink the spread to make the loan interest rate pricing of the customers more matched with the actual risk level and improve the profitability of the loan product. Therefore, the adjusted value of the interbank interest rate matched by the interbank spread within this range needs to be positive, which means a positive adjustment (i.e., increasing the interest rate) to the first adjusted interest rate to maintain or increase the profit level. Exemplarily, for the convenience of understanding this method, in this embodiment, a partial interbank interest rate adjustment table corresponding to a high-spread customer is provided, as shown in Table 5. Among them, BP represents a basis point, and 1 basis point is equal to 0.01%.

[0127] Table 5: Partial Interbank Interest Rate Adjustment Table

[0128]

[0129] Low-spread customers, that is, customers with an interbank interest rate less than or equal to the second preset spread and greater than the third preset spread. The characteristics of such customers are as follows: The interbank interest rate pricing is basically the same as the interest rate pricing of this financial institution, and the overall risk is lower than the market. For such customers, it is necessary to adopt an interbank competition pricing strategy to make the interest rate of our bank always lower than the interbank interest rate by a certain margin to attract customers, enhance market competitiveness, and increase the signing rate and drawing rate.

[0130] Specifically, when the interbank spread is less than or equal to the first preset spread and greater than the second preset spread, it indicates that the financing cost of the customer at other banks is not much different from that of our bank, or the basic interest rate of the credit risk rating of our bank already has a certain competitiveness. In this case, the adjusted value of the interbank interest rate matched is 0, which means no adjustment is made to the first adjusted interest rate and the current interest rate level is maintained. When the interbank spread is lower than or equal to the third preset spread, it indicates that the financing cost of the customer at other banks is extremely low, or the basic interest rate of the credit risk rating of our bank is extremely high, seriously lacking competitiveness. In this case, to avoid excessive competition and profit loss, the adjusted value of the interbank interest rate matched is still set to 0, which means no further negative adjustment is made to the first adjusted interest rate, but a relatively stable interest rate level is maintained.

[0131] Among them, the first preset interest rate spread, the second preset interest rate spread, and the third preset interest rate spread are interest rate spread values preset according to factors such as market competition situation, cost structure, and profit target. The above-mentioned preset interest rate spreads reflect the bank's sensitivity to peer competition and market dynamics and its coping strategies. By adjusting the above-mentioned preset interest rate spreads, the pricing strategy of loan interest rates can be flexibly adjusted to adapt to different market environments and customer needs. Exemplarily, taking the first preset interest rate spread set at 4%, the second preset interest rate spread at 1%, and the third preset interest rate spread at -1% as an example. Of course, in other embodiments, the first preset interest rate spread, the second preset interest rate spread, and the third preset interest rate spread can also be set to other values.

[0132] Furthermore, a preset intermediate interest rate spread is set between the second preset interest rate spread and the third preset interest rate spread, so as to further refine the setting strategy of the adjustment range value of the peer interest rate for low-interest-rate customers. Specifically, when the peer interest rate spread is less than or equal to the first preset interest rate spread and greater than the preset intermediate interest rate spread, it indicates that the loan interest rate pricing of our bank is slightly higher than that of other banks, and the basic loan interest rate pricing should be appropriately reduced. Combining the loan interest rates of other banks, take max(credit risk rating base rate - X1, peer interest rate), where X1 is the maximum price reduction range. When the peer interest rate spread is less than or equal to the preset intermediate interest rate spread and greater than the third preset interest rate spread, it indicates that our bank's pricing is slightly lower than that of other banks, and an appropriate interest rate discount should be given based on the peer interest rate. Take max(peer interest rate - X2, credit risk rating base rate), where X2 is the degree of our bank's interest rate discount compared to other banks, to ensure that we always maintain a pricing advantage over other banks. Even if the loan interest rate pricing is raised further, the signing rate and drawdown rate can still be maintained, significantly enhancing the profitability. Exemplarily, taking the preset intermediate interest rate spread set at 0 as an example.

[0133] For the method for determining the loan interest rate provided in this embodiment, if the peer interest rate spread is greater than the first preset interest rate spread, the matched adjustment range value of the peer interest rate is positive; if the peer interest rate spread is less than or equal to the first preset interest rate spread and greater than the second preset interest rate spread, the matched adjustment range value of the peer interest rate is 0; if the peer interest rate spread is less than or equal to the second preset interest rate spread and greater than the third preset interest rate spread, the matched adjustment range value of the peer interest rate is positive or negative; if the peer interest rate spread is less than or equal to the third preset interest rate spread, the matched adjustment range value of the peer interest rate is 0; among them, the first preset interest rate spread > the second preset interest rate spread > the third preset interest rate spread, and both the first preset interest rate spread and the second preset interest rate spread are positive numbers, and the third preset interest rate spread is a negative number. The method of the present application can more precisely control the pricing of loan interest rates by dividing the peer interest rate spread and setting the corresponding adjustment range values of the peer interest rate, which helps the loan interest rate pricing of the bank to be market-competitive and can also balance the profit level and customer satisfaction.

[0134] As an alternative implementation manner, based on any of the above embodiments, before matching the adjustment range value of the peer interest rate in the peer interest rate adjustment table based on the customer credit risk rating and the peer interest rate spread, it further includes:

[0135] Compare based on the interbank spread and the fourth preset spread; in response to the interbank spread being less than or equal to the fourth preset spread, generate loan rejection information; wherein, the fourth preset spread is less than the third preset spread.

[0136] Specifically, before matching the interbank interest rate adjustment amplitude value in the interbank interest rate adjustment table based on the customer credit risk level and the interbank spread, first, compare based on the interbank spread and the fourth preset spread; when the interbank spread is less than or equal to the fourth preset spread, generate loan rejection information; wherein, the fourth preset spread is less than the third preset spread.

[0137] Among them, the fourth preset spread is a preset spread value based on factors such as market conditions, risk tolerance, and profit targets. Further, the fourth preset spread is less than the third preset spread, indicating that the interbank spread is at a very low level, and being lower than this level may mean that the loan risk is too high. Exemplarily, in this embodiment, taking the fourth preset spread as 6% as an example, of course, in other embodiments, the fourth preset spread can also be other values, such as 5%, 7%, etc.

[0138] Specifically, when the interbank spread is less than or equal to the fourth preset spread, it indicates that the interbank interest rate pricing is much lower than the loan interest rate pricing of this financial institution. Most customers do not accept the loan interest rate pricing of this financial institution, but some customers still accept it. This shows that these customers have a too high degree of capital hunger and a single financing channel, with a relatively high default risk, belonging to adverse selection customers. At this time, generate loan rejection information and will no longer proceed with the subsequent loan interest rate pricing process. The loan rejection information may include the reason for rejection, improvement measures that the customer can take, etc. The staff can further judge whether the loan can still be granted to this customer based on the loan rejection information.

[0139] The method for determining the loan interest rate provided in this embodiment, before matching the interbank interest rate adjustment amplitude value in the interbank interest rate adjustment table based on the customer credit risk level and the interbank spread, further includes: comparing based on the interbank spread and the fourth preset spread; in response to the interbank spread being less than or equal to the fourth preset spread, generating loan rejection information; wherein, the fourth preset spread is less than the third preset spread. The method of the present application can effectively screen high-risk loan applications, reduce default risks, ensure asset safety, conduct risk judgments at the initial stage of loan interest rate pricing, avoid unnecessary loan interest rate pricing processes, and improve business processing efficiency.

[0140] Figure 4 It is a flow schematic diagram of the method for determining the loan interest rate provided in another embodiment of the present application; as an alternative implementation manner, on the basis of any of the above embodiments, as Figure 4 shown in, the method for determining the loan interest rate provided by the present application further includes:

[0141] S401. Compare the multi-dimensional evaluation interest rate with the standard guiding interest rate to determine the preliminary approval interest rate. Among them, the standard guiding interest rate is the loan interest rate determined based on the cost of funds rate, risk cost rate, operating cost rate, tax cost rate, and risk-adjusted return rate target value.

[0142] Specifically, for the method of this application, after determining the multi-dimensional evaluation interest rate and the standard guiding interest rate, the multi-dimensional evaluation interest rate will also be compared with the standard guiding interest rate to determine the preliminary approval interest rate. Optionally, the comparison method can be: if the multi-dimensional evaluation interest rate is higher than or equal to the standard guiding interest rate, it indicates that this loan business can achieve a certain profit while covering the costs, so it can be determined as the final approval interest rate. If the multi-dimensional evaluation interest rate is lower than the standard guiding interest rate, it indicates that the multi-dimensional evaluation interest rate cannot cover the costs or achieve a profit. At this time, the standard guiding interest rate is determined as the final approval interest rate.

[0143] Among them, the standard guiding interest rate is the minimum loan interest rate set by the bank to cover the various costs of the loan business and ensure a certain profit level. And the standard guiding interest rate is usually the loan interest rate determined based on the cost of funds rate, risk cost rate, operating cost rate, tax cost rate, and risk-adjusted return rate target value. Among them, the cost of funds rate reflects the cost of the bank obtaining funds; the risk cost rate takes into account the possible default risks and losses of the loan; the operating cost rate covers the various operating expenses of the loan business; the tax cost rate considers the taxes to be paid for the loan business; the risk-adjusted return rate target value reflects the bank's expectation of the profitability of the loan business.

[0144] The method for determining the loan interest rate provided in this embodiment further includes: comparing the multi-dimensional evaluation interest rate with the standard guiding interest rate to determine the preliminary approval interest rate. Among them, the standard guiding interest rate is the loan interest rate determined based on the cost of funds rate, risk cost rate, operating cost rate, tax cost rate, and risk-adjusted return rate target value. The method of this application can avoid losses or reduce the probability of losses by introducing the comparison between the standard guiding interest rate and the multi-dimensional evaluation interest rate.

[0145] As an optional implementation manner, based on any of the above embodiments, comparing the multi-dimensional evaluation interest rate with the standard guiding interest rate to determine the preliminary approval interest rate includes:

[0146] In response to the multi-dimensional evaluation interest rate being greater than or equal to the standard guiding interest rate, use the multi-dimensional evaluation interest rate as the preliminary approval interest rate; in response to the multi-dimensional evaluation interest rate being less than the standard guiding interest rate, use the standard guiding interest rate as the preliminary approval interest rate.

[0147] Specifically, when comparing the multi-dimensional evaluation interest rate with the standard guiding interest rate to determine the preliminary approval interest rate, the following judgment method is specifically adopted: when the multi-dimensional evaluation interest rate is greater than or equal to the standard guiding interest rate, it indicates that this loan business can achieve certain profits while covering costs. At this time, the multi-dimensional evaluation interest rate is used as the preliminary approval interest rate, which not only ensures the profit level but also reflects the reasonable pricing of the customer's credit risk; when the multi-dimensional evaluation interest rate is less than the standard guiding interest rate, it indicates that this loan business cannot cover costs or achieve profits, and the standard guiding interest rate is used as the preliminary approval interest rate. After determining the preliminary approval interest rate, the review results are feedback to the customer, including key information such as the preliminary approval interest rate, loan amount, and loan term. The customer can decide whether to accept the loan conditions based on the review results and sign a loan contract with the bank.

[0148] The method for determining the loan interest rate provided in this embodiment compares the multi-dimensional evaluation interest rate with the standard guiding interest rate to determine the preliminary approval interest rate, including: in response to the multi-dimensional evaluation interest rate being greater than or equal to the standard guiding interest rate, using the multi-dimensional evaluation interest rate as the preliminary approval interest rate; in response to the multi-dimensional evaluation interest rate being less than the standard guiding interest rate, using the standard guiding interest rate as the preliminary approval interest rate. The method of this application can avoid losses or reduce the probability of losses by providing a specific determination method for the preliminary approval interest rate.

[0149] As an alternative implementation, based on any of the above embodiments, as Figure 4 shown, the method for determining the loan interest rate provided in this application further includes:

[0150] S402. Obtain the application interest rate of the customer.

[0151] Specifically, after determining the preliminary approval interest rate, obtain the application interest rate of the customer. Among them, the application interest rate is the loan interest rate that the customer hopes to obtain, and the application interest rate reflects the customer's acceptance of the loan cost and the customer's expectation of the interest rate based on their own financial situation and financing needs.

[0152] Optionally, there are various ways to obtain the application interest rate of the customer. For example: directly ask the customer through an online loan application form or during the loan consultation process. Or, provide a loan interest rate selection range or interest rate interval for the customer to select the loan interest rate level that they think is appropriate.

[0153] S403. Compare the application interest rate with the preliminary approval interest rate to obtain the target approval interest rate.

[0154] Specifically, after obtaining the application interest rate of the customer, compare it with the preliminary approval interest rate. The purpose of the comparison is to determine a loan interest rate that meets the expectations of the customer and the lending institution, that is, the target approval interest rate.

[0155] Optionally, calculate the difference between the applied interest rate and the preliminary approval interest rate, and then evaluate whether the difference is within an acceptable range. If there is a large gap between the applied interest rate and the preliminary approval interest rate, reach an interest rate consensus. Ensure that the target approval interest rate is neither too high to increase the customer's burden nor too low to harm the bank's interests.

[0156] The method for determining the loan interest rate provided in this embodiment further includes: obtaining the applied interest rate of the customer; comparing the applied interest rate with the preliminary approval interest rate to obtain the target approval interest rate. The method of this application obtains the target approval interest rate that meets the requirements of the customer and the lending institution by introducing the customer's applied interest rate and comparing the applied interest rate with the preliminary approval interest rate. By introducing the customer's applied interest rate, a "negotiated pricing" model in which the customer actively participates is formed, enhancing the adaptability of financial institutions to customer needs, and thus forming a customer-oriented differential pricing strategy.

[0157] As an alternative implementation manner, based on any of the above embodiments, comparing the applied interest rate with the preliminary approval interest rate to obtain the target approval interest rate includes:

[0158] In response to the preliminary approval interest rate being greater than the applied interest rate, adjust the preliminary approval interest rate based on a preset interest rate reduction to obtain the target approval interest rate, and the target approval interest rate is greater than the applied interest rate; in response to the preliminary approval interest rate being less than or equal to the applied interest rate, use the applied interest rate as the target approval interest rate.

[0159] Specifically, the process of determining the target approval interest rate based on the comparison between the applied interest rate and the preliminary approval interest rate is as follows:

[0160] If the preliminary approval interest rate is greater than the applied interest rate, it indicates that there is a gap between the risk assessment result of this loan and the customer's expectation of the loan cost. At this time, it can be considered to adjust the preliminary approval interest rate based on a preset interest rate reduction to obtain the target approval interest rate. Among them, the preset interest rate reduction is a preset interest rate adjustment range for attracting customers, improving market competitiveness or meeting specific policy requirements. The adjusted target approval interest rate needs to be greater than the customer's applied interest rate to ensure a certain profit while covering the costs.

[0161] Optionally, when the preliminary approval interest rate is greater than the applied interest rate, the staff also rely on experience to judge the approval interest rate and input an appropriate interest rate reduction through the input device to obtain the target approval interest rate.

[0162] If the preliminary approval interest rate is less than or equal to the applied interest rate, it indicates that there is no obvious gap between the risk assessment result of this loan and the customer's expectation of the loan cost, or the applied interest rate is already relatively lenient. At this time, directly use the customer's applied interest rate as the target approval interest rate.

[0163] The method for determining the loan interest rate provided in this embodiment compares the applied interest rate with the preliminary approval interest rate to obtain the target approval interest rate, including: in response to the preliminary approval interest rate being greater than the applied interest rate, adjusting the approval interest rate based on a preset interest rate reduction to obtain the target approval interest rate, and the target approval interest rate is greater than the applied interest rate; in response to the preliminary approval interest rate being less than or equal to the applied interest rate, using the applied interest rate as the target approval interest rate. The method of this application can adjust the loan interest rate more flexibly by introducing a preset interest rate reduction and a comparison process to meet the needs and expectations of customers, improving the satisfaction and efficiency of loan interest rate approval. At the same time, it also provides a chance for customers to actively participate in loan decisions, which helps to enhance customer loyalty and trust.

[0164] Figure 5 The following is a schematic structural diagram of the device for determining the loan interest rate provided in an embodiment of this application, as Figure 5 shown, the device for determining the loan interest rate provided in this embodiment is located in an electronic device. The device 50 for determining the loan interest rate provided in this embodiment includes: an acquisition module 51, a matching module 52, an adjustment module 53, and a sending module 54.

[0165] Specifically, the acquisition module 51 is configured to, in response to receiving a request for determining the loan interest rate of a customer, acquire the customer credit risk level, the customer value contribution level, and the peer interest rate; wherein, the customer value contribution level is determined by the customer's debt pressure assessment value, external value assessment value, and in-bank contribution assessment value; the peer interest rate is the loan interest rate of the customer at other banks obtained based on the customer's credit investigation data; the matching module 52 is configured to match the credit risk level base interest rate in a preset interest rate table based on the customer credit risk level; the adjustment module 53 is configured to match the customer value contribution adjustment amplitude value in the customer value contribution adjustment amplitude table based on the customer credit risk level and the customer value contribution level, and adjust the credit risk level base interest rate according to the customer value contribution adjustment amplitude value to obtain the first adjusted interest rate; wherein, the customer value contribution adjustment amplitude table includes multiple customer value contribution adjustment amplitude values and the mapping relationship between the customer credit risk level, the customer value contribution level, and the customer value contribution adjustment amplitude value. It is also configured to match the peer interest rate adjustment amplitude value in the peer interest rate adjustment amplitude table based on the customer credit risk level and the peer interest rate spread, and adjust the first adjusted interest rate according to the peer interest rate adjustment amplitude value to obtain the multi-dimensional evaluation interest rate; wherein, the peer interest rate adjustment amplitude table includes multiple peer interest rate adjustment amplitude values and the mapping relationship between the customer credit risk level, the peer interest rate spread, and the peer interest rate adjustment amplitude value; the peer interest rate spread is the difference between the peer interest rate and the credit risk level base interest rate; the sending module 54 is configured to send a response for determining the loan interest rate, and the response for determining the loan interest rate includes the multi-dimensional evaluation interest rate of the customer.

[0166] Optionally, the device 50 for determining the loan interest rate further includes: a determination module.

[0167] Optionally, before matching the customer value contribution adjustment range value in the customer value contribution adjustment range table based on the customer credit risk level and the customer value contribution level, the determination module is specifically configured to: determine an initial pricing adjustment coefficient based on the ratio of the interval default rate of the customer value contribution level to the average default rate of the customer credit risk level; determine an excess return rate based on the difference between the interval risk-adjusted return rate of the customer value contribution level and the average risk-adjusted return rate of the customer credit risk level; adjust the pricing adjustment coefficient based on the excess return rate to obtain a pricing correction coefficient; obtain multiple customer value contribution adjustment range values based on the pricing correction coefficient and the pricing adjustment range conversion formula; establish a mapping relationship between the multiple customer value contribution adjustment range values, the customer credit risk level, and the customer value contribution level to obtain the customer value contribution adjustment range table.

[0168] Optionally, if the interbank spread is greater than the first preset spread, the matched interbank interest rate adjustment range value is positive; if the interbank spread is less than or equal to the first preset spread and greater than the second preset spread, the matched interbank interest rate adjustment range value is 0; if the interbank spread is less than or equal to the second preset spread and greater than the third preset spread, the matched interbank interest rate adjustment range value is positive or negative; if the interbank spread is less than or equal to the third preset spread, the matched interbank interest rate adjustment range value is 0; where the first preset spread > the second preset spread > the third preset spread, and both the first preset spread and the second preset spread are positive, and the third preset spread is negative.

[0169] Optionally, before matching the interbank interest rate adjustment range value in the interbank interest rate adjustment range table based on the customer credit risk level and the interbank spread, the adjustment module 53 is further configured to: compare the interbank spread with a fourth preset spread; in response to the interbank spread being less than or equal to the fourth preset spread, generate a loan rejection message; where the fourth preset spread is less than the third preset spread.

[0170] Optionally, the determination module is further configured to: compare the multi-dimensional evaluation interest rate with the standard guiding interest rate to determine a preliminary approval interest rate; where the standard guiding interest rate is the loan interest rate determined according to the capital cost rate, the risk cost rate, the operating cost rate, the tax cost rate, and the risk-adjusted return rate target value.

[0171] Optionally, when the determination module compares the multi-dimensional evaluation interest rate with the standard guiding interest rate to determine the preliminary approval interest rate, it is specifically configured to: in response to the multi-dimensional evaluation interest rate being greater than or equal to the standard guiding interest rate, use the multi-dimensional evaluation interest rate as the preliminary approval interest rate; in response to the multi-dimensional evaluation interest rate being less than the standard guiding interest rate, use the standard guiding interest rate as the preliminary approval interest rate.

[0172] Optionally, the obtaining module 51 is further configured to: obtain the applicant interest rate of the customer; the determining module is further configured to: compare the applicant interest rate with the preliminary approval interest rate to obtain the target approval interest rate.

[0173] Optionally, when the determining module compares the applicant interest rate with the preliminary approval interest rate to obtain the target approval interest rate, it is specifically configured to: in response to the preliminary approval interest rate being greater than the applicant interest rate, adjust the preliminary approval interest rate based on a preset interest rate reduction to obtain the target approval interest rate, and the target approval interest rate is greater than the applicant interest rate; in response to the preliminary approval interest rate being less than or equal to the applicant interest rate, use the applicant interest rate as the target approval interest rate.

[0174] Figure 6 The following is a schematic structural diagram of an electronic device provided by an embodiment of the present application, as Figure 6 shown, the electronic device 60 provided in this embodiment includes: a processor 61 and a memory 62 communicatively connected to the processor 61.

[0175] Among them, the memory 62 stores computer-executable instructions; the processor 61 executes the computer-executable instructions stored in the memory 62 to implement the method for determining the loan interest rate provided in any one of the above embodiments.

[0176] Among them, the program may include program code, and the program code includes computer-executable instructions. The memory 62 may include a high-speed RAM memory, and may also include non-volatile memory, such as at least one disk memory.

[0177] Among them, in this embodiment, the memory 62 and the processor 61 are connected by a bus. The bus may be an Industry Standard Architecture (ISA) bus, a Peripheral Component Interconnect (PCI) bus, or an Extended Industry Standard Architecture (EISA) bus, etc. The bus may be divided into an address bus, a data bus, a control bus, etc. For ease of representation, Figure 6 only a straight line is used to represent it in the figure, but it does not mean that there is only one bus or one type of bus.

[0178] An embodiment of the present application further provides a computer-readable storage medium, including computer-executable instructions stored in the computer-readable storage medium, and the computer-executable instructions are used to implement the method for determining the loan interest rate provided in any one of the above embodiments when executed by a processor.

[0179] An embodiment of this application also provides a computer program product, including a computer program, which when executed by a processor, implements the method for determining the loan interest rate provided in any of the above embodiments.

[0180] The modules described as separate components may or may not be physically separated, and the components shown as modules may or may not be physical units, that is, they may be located in one place, or may be distributed to multiple network units. Some or all of the modules can be selected according to actual needs to implement the solution of this embodiment.

[0181] In addition, in each embodiment of this application, the functional modules can be integrated in a processing unit, or each module can exist physically alone, or two or more modules can be integrated in one unit. The unit formed by the above modules can be implemented in the form of hardware, or in the form of a combination of hardware and software functional units.

[0182] The above integrated modules implemented in the form of software functional modules can be stored in a computer-readable storage medium. The above software functional modules are stored in a storage medium, including several instructions for causing a computer device (which can be a personal computer, a server, or a network device, etc.) or a processor to execute some steps of the methods in each embodiment of this application.

[0183] It should be understood that the above processor can be a central processing unit (CPU for short), and can also be other general-purpose processors, digital signal processors (DSP for short), application specific integrated circuits (ASIC for short), etc. The general-purpose processor can be a microprocessor or the processor can also be any conventional processor, etc. The steps of the method disclosed in combination with the invention can be directly implemented by the execution of the hardware processor, or can be implemented by the combination of the hardware and software modules in the processor.

[0184] The above storage medium can be implemented by any type of volatile or non-volatile storage device or a combination thereof, such as static random access memory (SRAM), electrically erasable programmable read-only memory (EEPROM), erasable programmable read-only memory (EPROM), programmable read-only memory (PROM), read-only memory (ROM), magnetic memory, flash memory, a magnetic disk or an optical disc. The storage medium can be any available medium that can be accessed by a general-purpose or special-purpose computer.

[0185] An exemplary storage medium is coupled to a processor, enabling the processor to read information from the storage medium and write information to the storage medium. Of course, the storage medium can also be a component of the processor. The processor and the storage medium can be located in an Application Specific Integrated Circuits (ASIC). Of course, the processor and the storage medium can also exist as discrete components in an electronic control unit or a master control device.

[0186] Those of ordinary skill in the art can understand that all or part of the steps of implementing the above method embodiments can be completed by hardware related to program instructions. The foregoing program can be stored in a computer-readable storage medium. When the program is executed, it performs the steps including the above method embodiments; and the foregoing storage medium includes: various media such as ROM, RAM, magnetic disk, or optical disc that can store program codes.

[0187] Finally, it should be noted that: the above embodiments are only used to illustrate the technical solutions of the present application, rather than to limit them; although the present application has been described in detail with reference to the foregoing embodiments, those of ordinary skill in the art should understand that: they can still modify the technical solutions recorded in the foregoing embodiments, or perform equivalent replacements on some or all of the technical features; and these modifications or replacements do not make the essence of the corresponding technical solutions deviate from the scope of the technical solutions of the embodiments of the present application.

Claims

1. A method for determining a loan interest rate, characterized in that, Including: In response to receiving a request for determining a customer's loan interest rate, obtain the customer's credit risk level, customer value contribution level, and inter-bank interest rate; wherein, the customer value contribution level is determined by the customer's debt pressure assessment value, external value assessment value, and in-bank contribution assessment value; the inter-bank interest rate is the loan interest rate of the customer at other banks obtained based on the customer's credit investigation data. Match the credit risk level base interest rate in the preset interest rate table based on the customer's credit risk level. Match the customer value contribution adjustment value in the customer value contribution adjustment table based on the customer's credit risk level and the customer value contribution level, and adjust the credit risk level base interest rate according to the customer value contribution adjustment value to obtain the first adjusted interest rate; wherein, the customer value contribution adjustment table includes multiple customer value contribution adjustment values and the mapping relationship between the customer's credit risk level, the customer value contribution level, and the customer value contribution adjustment value. Match the inter-bank interest rate adjustment value in the inter-bank interest rate adjustment table based on the customer's credit risk level and the inter-bank interest rate spread, and adjust the first adjusted interest rate according to the inter-bank interest rate adjustment value to obtain the multi-dimensional evaluation interest rate; wherein, the inter-bank interest rate adjustment table includes multiple inter-bank interest rate adjustment values and the mapping relationship between the customer's credit risk level, the inter-bank interest rate spread, and the inter-bank interest rate adjustment value; the inter-bank interest rate spread is the difference between the inter-bank interest rate and the credit risk level base interest rate. Send a response for determining the loan interest rate, and the response for determining the loan interest rate includes the multi-dimensional evaluation interest rate of the customer.

2. The method according to claim 1, wherein Before matching the customer value contribution adjustment value in the customer value contribution adjustment table based on the customer's credit risk level and the customer value contribution level, it further includes: Determine the initial pricing adjustment coefficient based on the ratio of the interval bad rate of the customer value contribution level to the average bad rate of the customer's credit risk level. Determine the excess return rate based on the difference between the interval risk-adjusted return rate of the customer value contribution level and the average risk-adjusted return rate of the customer's credit risk level. Adjust the pricing adjustment coefficient based on the excess return rate to obtain the pricing correction coefficient. Obtain multiple customer value contribution adjustment values based on the pricing correction coefficient and the pricing adjustment conversion formula. Establish the mapping relationship between multiple customer value contribution adjustment values and the customer's credit risk level and the customer value contribution level to obtain the customer value contribution adjustment table.

3. The method according to claim 1, wherein If the inter-bank interest rate spread is greater than the first preset spread, the matched inter-bank interest rate adjustment value is positive; if the inter-bank interest rate spread is less than or equal to the first preset spread and greater than the second preset spread, the matched inter-bank interest rate adjustment value is 0; if the inter-bank interest rate spread is less than or equal to the second preset spread and greater than the third preset spread, the matched inter-bank interest rate adjustment value is positive or negative; if the inter-bank interest rate spread is less than or equal to the third preset spread, the matched inter-bank interest rate adjustment value is 0. Among them, the first preset interest rate spread>the second preset interest rate spread>the third preset interest rate spread, and the first preset interest rate spread and the second preset interest rate spread are both positive numbers, and the third preset interest rate spread is a negative number.

4. The method according to claim 3, wherein Before matching the interbank interest rate adjustment range value in the interbank interest rate adjustment range table based on the customer credit risk level and the interbank interest rate spread, the method further includes: Based on the comparison between the interbank interest rate spread and the fourth preset interest rate spread; In response to the interbank interest rate spread being less than or equal to the fourth preset interest rate spread, loan rejection information is generated; wherein the fourth preset interest rate spread is less than the third preset interest rate spread.

5. The method according to any one of claims 1-4, characterized in that Also includes: The multi-dimensional assessment interest rate is compared with the standard guidance interest rate to determine the preliminary approval interest rate; wherein the standard guidance interest rate is a loan interest rate determined based on the capital cost rate, risk cost rate, operating cost rate, tax cost rate, and risk-adjusted rate of return target value.

6. The method according to claim 5, wherein The multi-dimensional assessment interest rate is compared with the standard guidance interest rate to determine the preliminary approval interest rate, including: In response to the multi-dimensional evaluation interest rate being greater than or equal to the standard guidance interest rate, using the multi-dimensional evaluation interest rate as the preliminary approval interest rate; In response to the multi-dimensional evaluation interest rate being lower than the standard guidance interest rate, the standard guidance interest rate is used as the preliminary approval interest rate.

7. The method according to claim 5, characterized in that, Also includes: Get the customer's application interest rate; The target approval rate is obtained by comparing the application rate with the preliminary approval rate.

8. The method according to claim 7, wherein The step of comparing the application rate with the preliminary approval rate to obtain a target approval rate includes: In response to the preliminary approval rate being greater than the application rate, adjusting the preliminary approval rate based on a preset interest rate reduction to obtain the target approval rate, and the target approval rate is greater than the application rate; In response to the preliminary approval rate being less than or equal to the application rate, the application rate is used as the target approval rate.

9. A device for determining a loan interest rate, characterized in that, include: An acquisition module, configured to acquire the customer's credit risk level, the customer's value contribution level, and the interbank interest rate in response to receiving a request for determining a loan interest rate from a customer; wherein the customer's value contribution level is determined by the customer's debt stress assessment value, the external value assessment value, and the bank's contribution assessment value; and the interbank interest rate is the customer's loan interest rate in another bank obtained based on the customer's credit data; A matching module, used to match the credit risk level base interest rate in a preset interest rate table based on the customer's credit risk level; An adjustment module, configured to match a customer value contribution adjustment amplitude value in a customer value contribution amplitude modulation table based on the customer credit risk level and the customer value contribution level, and adjust the credit risk level base interest rate according to the customer value contribution adjustment amplitude value to obtain a first adjusted interest rate; wherein the customer value contribution amplitude modulation table includes a plurality of customer value contribution adjustment amplitude values ​​and a mapping relationship between the customer credit risk level, the customer value contribution level and the customer value contribution adjustment amplitude value; The adjustment module is further configured to match an interbank interest rate adjustment amplitude value in the interbank interest rate adjustment amplitude table based on the customer credit risk level and the interbank spread, and adjust the first adjusted interest rate according to the interbank interest rate adjustment amplitude value to obtain a multi-dimensional evaluation interest rate; wherein, the interbank interest rate adjustment amplitude table includes a plurality of the interbank interest rate adjustment amplitude values and the mapping relationship between the customer credit risk level, the interbank spread and the interbank interest rate adjustment amplitude value; the interbank spread is the difference between the interbank interest rate and the base interest rate of the credit risk level. The sending module is configured to send a loan interest rate determination response, and the loan interest rate determination response includes the multi-dimensional evaluation interest rate of the customer.

10. An electronic device, characterized in that, Comprising: a processor, and a memory communicatively connected to the processor; the memory stores computer-executable instructions; the processor executes the computer-executable instructions stored in the memory to implement the method for determining the loan interest rate according to any one of claims 1-8.

11. A computer-readable storage medium, characterized in that, The computer-readable storage medium stores computer-executable instructions, and when the computer-executable instructions are executed by a processor, they are used to implement the method for determining the loan interest rate according to any one of claims 1-8.

12. A computer program product, characterized in that, Comprising a computer program, which when executed by a processor implements the method for determining the loan interest rate according to any one of claims 1-8.

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