Leasing business approval methods, devices, equipment and media

Abstract

The embodiment of the present invention discloses a leasing business approval method, device, equipment and medium. The method includes: obtaining a leasing business approval request sent by a user, the approval request includes a leasing business file; based on the leasing business file, determining a target approval process for the leasing business, wherein the target approval process includes multiple approval levels; controlling multiple approval levels in the target approval process, and approving the leasing business file level by level. The embodiment of the present invention can simplify the business approval process, shorten the business approval cycle, and improve the business approval efficiency.

Description

Technical Field

[0001] Embodiments of the present invention relate to the field of information processing technology, and in particular to a rental business approval method, device, equipment and medium. Background Art

[0002] At present, various business approval processes (such as leasing business) are generally approved through paper. There are many relevant personnel involved in the approval and they belong to different departments. The communication between personnel is mostly offline, and the relevant documents and decisions in the approval process are all paper documents. As a result, the business approval process is highly dependent on paper, labor-intensive, and the process is not strict. The monitoring of the approval process is not in place and the process cost cannot be effectively calculated. As a result, the business approval process is cumbersome and the approval cycle is long, resulting in low business approval efficiency. Summary of the invention

[0003] The embodiments of the present invention provide a leasing business approval method, device, equipment and medium, which can simplify the business approval process, shorten the business approval cycle and improve the business approval efficiency.

[0004] In a first aspect, an embodiment of the present invention provides a leasing business approval method, including:

[0005] Acquire a rental business approval request sent by a user, wherein the approval request includes the rental business file;

[0006] Based on the leasing business document, determining a target approval process for the leasing business, wherein the target approval process includes multiple approval levels;

[0007] Control multiple approval levels in the target approval process and approve the leasing business documents level by level.

[0008] In a second aspect, an embodiment of the present invention further provides a rental service approval device, including:

[0009] An acquisition module, used to acquire a rental business approval request sent by a user, wherein the approval request includes the rental business file;

[0010] A determination module, configured to determine a target approval process for the leasing business based on the leasing business document, wherein the target approval process includes multiple approval levels;

[0011] The approval module is used to control multiple approval levels in the target approval process and approve the leasing business documents level by level.

[0012] In a third aspect, an embodiment of the present invention further provides an electronic device, the electronic device comprising:

[0013] one or more processors;

[0014] a storage device for storing one or more programs,

[0015] When the one or more programs are executed by the one or more processors, the one or more processors implement the leasing business approval method described in any embodiment of the present invention.

[0016] In a fourth aspect, an embodiment of the present invention further provides a computer-readable storage medium on which a computer program is stored, and when the program is executed by a processor, the leasing business approval method described in any embodiment of the present invention is implemented.

[0017] The technical solution disclosed in the embodiment of the present invention has the following beneficial effects:

[0018] By obtaining the leasing business approval request sent by the user, the target approval process of the leasing business is determined according to the leasing business documents carried in the leasing business approval request, and multiple approval levels in the target approval process are controlled to approve the leasing business documents step by step. Therefore, by providing an online approval method, not only paperless review is realized and the dependence on paper is reduced, but also the leasing business approval process can be supervised in real time to avoid cross-departmental communication between personnel, thereby simplifying the business approval process, shortening the business approval cycle, and improving the business approval efficiency. BRIEF DESCRIPTION OF THE DRAWINGS

[0019] Figure 1 This is a flow chart of a leasing business approval method provided in Embodiment 1 of the present invention;

[0020] Figure 2 This is a flow chart of a leasing business approval method provided in Embodiment 2 of the present invention;

[0021] Figure 3 This is a flow chart of a leasing business approval method provided in Embodiment 3 of the present invention;

[0022] Figure 4 This is a flow chart of a leasing business approval method provided by Embodiment 4 of the present invention;

[0023] Figure 5 This is a flow chart of a leasing business approval method provided in Embodiment 5 of the present invention;

[0024] Figure 6 This is a structural diagram of a rental business approval device provided in Embodiment 6 of the present invention;

[0025] Figure 7 This is a structural diagram of an electronic device provided in Embodiment 7 of the present invention. DETAILED DESCRIPTION

[0026] The embodiments of the present invention are further described in detail below in conjunction with the accompanying drawings and embodiments. It is to be understood that the specific embodiments described herein are only used to explain the embodiments of the present invention, rather than to limit the embodiments of the present invention. It is also necessary to explain that, for ease of description, only parts related to the embodiments of the present invention are shown in the accompanying drawings, rather than all structures.

[0027] The following describes the leasing business approval method, device, equipment and medium of the embodiments of the present invention with reference to the accompanying drawings.

[0028] Embodiment 1

[0029] Figure 1 This is a flowchart of a leasing business approval method provided by the first embodiment of the present invention. This embodiment is applicable to scenarios where risk approval is performed on leasing business. The method can be executed by a leasing business approval device, which can be composed of hardware and / or software and can be integrated into a leasing business approval system in an electronic device. The electronic device can be any device with data processing function. The method specifically includes the following:

[0030] S101, obtaining a rental business approval request sent by a user, wherein the approval request includes the rental business file.

[0031] In this embodiment, the user may refer to a staff member who establishes a leasing business in an enterprise, such as a business manager. The leasing business may be a leasing business in any field. Preferably, it is a leasing business in the field of financial leasing. The leasing business may be, but is not limited to, a financial leasing business, an operating leasing business, a direct leasing business, and a leaseback business, etc., which are not specifically limited here.

[0032] The leasing business file refers to the approval materials for the leasing business, which includes all the information required for the leasing business approval. Optionally, the leasing business file in this embodiment may include at least one of the following: basic leasing business information, lessee information, price information, leased property information and guarantee information.

[0033] Optionally, after the user has established a leasing business and organized the leasing business files, he can log in to the leasing business approval system, upload the leasing business files when the login is successful, and then trigger the submit function key to send a leasing business approval request to the leasing business approval system. The uploaded leasing business files can be compressed files or normal files, and the user can stop uploading and continue uploading at any time during the uploading process, and the upload progress can also be displayed during the uploading process, so that the user can understand the leasing business file upload progress in real time. Of course, the leasing business approval system can also support users to download files to meet the user's file download needs.

[0034] When the leasing business approval system obtains the leasing business approval request sent by the user, the leasing business approval request can be parsed to obtain the leasing business file carried in the leasing business approval request, and based on the information included in the leasing business file, a first sub-file and a second sub-file associated with the leasing business are generated to lay the foundation for the subsequent approval of the leasing business. Among them, the first sub-file can be a due diligence report, and the second sub-file can be a quotation plan; or, the first sub-file can be a quotation plan, and the second sub-file can be a due diligence report. In an embodiment of the present invention, after the first sub-file and the second sub-file are generated, the user can also edit them online to modify the information that does not meet the requirements, so that the edited first sub-file and the second sub-file are more accurate.

[0035] S102: Determine a target approval process for the leasing business based on the leasing business document, wherein the target approval process includes multiple approval levels.

[0036] Among them, multiple approval levels are sorted according to the approval order. For example, if the target approval process includes three approval levels, then the approval is first carried out through the first approval level, and then the approval is carried out through the second approval level after the approval of the first approval level is completed, and finally the approval is carried out through the third approval level until the approval is completed.

[0037] In this embodiment, the leasing business approval system can set multiple approval processes to meet the approval purposes of different types of leasing businesses. For example, the target approval process can be determined from multiple approval processes based on the information included in the leasing business file.

[0038] As an optional implementation method, the present invention can analyze the obtained leasing business documents to determine whether the leasing business documents include leased property information and / or guarantee information. If included, an approval process with approval for leased property information and / or guarantee information is selected from multiple approval processes. If not included, an approval process without approval for leased property information and / or guarantee information is selected from multiple approval processes. Among them, when the approval process with approval for leased property information and / or guarantee information is the first approval process, the first approval process is determined as the target approval process for the leasing business. When the approval process without approval for leased property information and / or guarantee information is the second approval process, the second approval process is determined as the target approval process for the leasing business.

[0039] That is, this embodiment determines the target approval process for the leasing business based on the leasing business document, including: determining whether the leasing business document includes leased property information and / or guarantee information; if so, determining the first approval process among at least two approval processes as the target approval process for the leasing business; if not, determining the second approval process among at least two approval processes as the target approval process for the leasing business.

[0040] S103, controlling multiple approval levels in the target approval process, and approving the leasing business documents level by level.

[0041] Optionally, risk approval of the leasing business may be performed level by level according to multiple approval levels in the target approval process until the approval process is completed.

[0042] In specific implementation, in order to conduct a complete and comprehensive risk approval of the leasing business, the leasing business approval system of this embodiment can also send the leasing business file and the first sub-file and the second sub-file associated with the leasing business to multiple approval levels in the target approval process, so that the multiple approval levels can approve the above files respectively. After sending the leasing business file, the first sub-file and the second sub-file to the approval level, a reminder message is also sent to the approval level so that the approval level can approve in time.

[0043] In this embodiment, in order to protect the privacy and security of leasing business information, the leasing business approval system can also set different management permissions for each approval level. For example, a permission to view the leasing business approval process log and track the leasing business approval process is set for a certain approval level; for another example, the permission to view only the approval result is set for the user who initiates the leasing business approval request. The management permissions of different approval levels can be adjusted accordingly according to actual application needs, and are not specifically limited here.

[0044] The technical solution provided by the embodiment of the present invention obtains the leasing business approval request sent by the user, determines the target approval process of the leasing business according to the leasing business documents carried in the leasing business approval request, and controls multiple approval levels in the target approval process to approve the leasing business documents step by step. Therefore, by providing an online approval method, not only paperless review is realized, and dependence on paper is reduced, but also the leasing business approval process can be supervised in real time to avoid cross-departmental communication between personnel, thereby simplifying the business approval process, shortening the business approval cycle, and improving business approval efficiency.

[0045] Embodiment 2

[0046] Figure 2 This is a flowchart of a leasing business approval method provided in the second embodiment of the present invention, which is further optimized based on the above implementation and can be combined with various optional technical solutions in the above implementation. Figure 2 As shown, the method may include:

[0047] S201, obtaining a rental business approval request sent by a user, wherein the approval request includes the rental business file.

[0048] S202: Determine a target approval process for the leasing business based on the leasing business document, wherein the target approval process includes multiple approval levels.

[0049] S203, determine the approval function of each approval level.

[0050] S204: According to the approval function of each approval level, the leasing business documents are approved level by level.

[0051] Since the target approval process includes multiple approval levels, the approval functions corresponding to each approval level are different. For example, if an approval level is a pricing manager, then the approval function of this approval level is to be responsible for approving the quotation and / or price information of the leasing business.

[0052] Based on this, after determining the target approval process, the embodiment of the present invention can determine the approval function of each approval level in the target approval process, so as to control multiple approval levels in the target approval process to approve the leasing business step by step according to the approval function of each approval level. For example, when an approval level in the target approval process is finance, the leasing business file and other documents can be sent to finance so that finance can approve the sponsorship or price information.

[0053] Optionally, in order to reduce the interference caused by irrelevant documents, this embodiment can also send only documents related to the approval function to each approval level according to the approval function corresponding to the approval level. For example, if the approval level is finance, only the quotation or price information of the leasing business can be transmitted to finance so that finance can approve the quotation or price information. In other words, by sending the documents to be approved corresponding to the approval function to each approval level according to the approval function of each approval level, the adverse effects caused by documents irrelevant to the approval function can be reduced, thereby improving the approval speed.

[0054] In one embodiment of the present invention, an approval level may include at least one approval node, one approval node corresponds to one approver, and one approver corresponds to one approval function. Therefore, when determining that each approval level in the target approval process includes at least one approval node, this embodiment may also determine the approval function of each approval node in each approval level, and then control multiple approval levels in the target approval process to approve the leasing business step by step according to the approval function of each approval node in each approval level.

[0055] In order to clearly illustrate the embodiment of the present invention, an example is given below for illustration.

[0056] Assume that the target approval process includes five approval levels, namely, approval level 1, approval level 2, approval level 3, approval level 4 and approval level 5, and these five approval levels perform approval tasks in the order of approval level 1, approval level 2, approval level 3, approval level 4 and approval level 5. Then the leasing business approval system can determine the number of approval nodes corresponding to approval level 1, approval level 2, approval level 3, approval level 4 and approval level 5, and the approval function of each approval node.

[0057] Specifically, if approval node A1 in approval level 1 is a pricing manager, the approval function of the pricing manager is to approve quotations; approval nodes A2 and A3 in approval level 2 are respectively the person in charge of operations and the person in charge of operations, and the approval functions of the person in charge of operations and the person in charge of operations are both to approve leasing business documents; approval nodes A4 and A5 in approval level 3 are respectively the risk acceptor and the risk reviewer, and the approval functions of the risk acceptor and the risk reviewer are respectively to conduct preliminary review of leasing business documents and review of leasing business documents; approval nodes A6, A7, A8 and A9 in approval level 4 are all secondary reviewers, and the approval function of the secondary reviewers is to give approval opinions on leasing business; approval node A10 in approval level 5 is the primary reviewer, and the approval function of the primary reviewer is to give final approval opinions on leasing business. Then the leasing business system can approve leasing business documents level by level according to the approval functions of each approval node in each approval level determined above.

[0058] It should be noted that for multiple approval nodes in approval level 4 in the above example, when giving approval opinions for leasing business, the leasing business approval system can send a reminder message of holding an approval meeting to each approval node in approval level 4, and at the same time create a pending matter for each approval node, so that each approval node can participate in the approval meeting through an offline meeting or an online joint signing method, and submit their respective approval opinions in their respective pending matters. If the sub-approver corresponding to any approval node in approval level 4 has not completed the submission of approval opinions, the leasing business approval system can send a reminder message to the sub-approver to make him submit his approval opinions as soon as possible, so as to avoid the problem that the main approver of approval level 5 has been in a waiting state and cannot give a final approval opinion because the sub-approver in approval level 4 has not submitted his approval opinions. In this embodiment, the approval opinions include: consent, rejection, conditional consent or continuation.

[0059] The technical solution provided by the embodiment of the present invention obtains the leasing business approval request sent by the user, determines the target approval process of the leasing business according to the leasing business documents carried in the leasing business approval request, and controls multiple approval levels in the target approval process to approve the leasing business documents step by step. Therefore, by providing an online approval method, not only paperless review is realized, and dependence on paper is reduced, but also the leasing business approval process can be supervised in real time to avoid cross-departmental communication between personnel, thereby simplifying the business approval process, shortening the business approval cycle, and improving business approval efficiency.

[0060] Embodiment 3

[0061] Figure 3 : is a flowchart of a leasing business approval method provided in the third embodiment of the present invention, which is further optimized based on the above implementation and can be combined with various optional technical solutions in the above implementation. Figure 3 As shown, the method may include:

[0062] S301, obtaining a rental business approval request sent by a user, wherein the approval request includes the rental business file.

[0063] S302: Determine a target approval process for the leasing business based on the leasing business document, wherein the target approval process includes multiple approval levels.

[0064] S303, controlling multiple approval levels in the target approval process, and approving the leasing business documents level by level.

[0065] S304: If the approval opinion of any approval level is return, the leasing business document and the return approval opinion are returned according to the preset return type.

[0066] Among them, the return may include: return for modification, return for supplementary information or disapproval. In this embodiment, the preset return types include direct return and step-by-step return. Direct return means returning the leasing business documents and the returned approval opinions directly to the user who initiated the approval process; step-by-step return means returning the leasing business documents and the returned approval opinions to the previous approval level adjacent to the approval level.

[0067] Optionally, when any approval level in the target approval process is approving the leasing business documents, if it is determined that the leasing business has errors, does not meet the approval requirements or lacks information, a return instruction can be sent. When the leasing business approval system receives the return instruction, the return type will return the leasing business documents and return approval opinions in different ways.

[0068] For example, if the approval level is pricing manager, and the pricing manager approves that the price information in the leasing business file is incorrect, a return instruction of "the price information is incorrect, please modify" is sent to the leasing business approval system, so that the leasing business approval system will return the leasing business file and the returned approval opinion according to the "the price information is incorrect, please modify" sent by the pricing manager.

[0069] In this embodiment, when the approval level submits a return approval opinion, the return type can also be set, so that when the leasing business approval system receives the return approval opinion, it can also perform return processing according to the return type. Specifically, performing return processing according to the return type includes:

[0070] If the preset return type is direct return, the rental business document and return approval opinion are directly returned to the user terminal that sent the rental business approval request;

[0071] If the preset return type is step-by-step return, the leasing business documents and return approval opinions will be returned to the previous approval level at the adjacent position.

[0072] That is to say, by setting the return type, the leasing business approval system performs return processing according to the return type, thereby increasing the diversity and flexibility of the leasing business approval process.

[0073] Furthermore, in this embodiment, when the approval opinion is returned at the approval level, a modified submission method can be set, so that the leasing business approval system submits the received modified leasing business document to the approval level that initiated the return of the approval opinion according to the modified submission method. That is, before the leasing business approval system returns the leasing business document and the returned approval opinion, it includes: receiving and saving the modified submission method set at any approval level

[0074] Among them, the modification submission methods include: original flow submission and direct flow submission. Original flow submission refers to submitting the modified leasing business documents step by step according to the initial approval process to the approval level that initiated the return of approval opinions. Direct flow submission refers to submitting the modified leasing business directly to the approval level that initiated the return of approval opinions.

[0075] S305: If the approval opinion of any approval level is approval, the leasing business document and the approved approval opinion are transmitted to the next approval level, so that the next approval level can approve the leasing business document.

[0076] The technical solution provided by the embodiment of the present invention obtains the leasing business approval request sent by the user, determines the target approval process of the leasing business according to the leasing business documents carried in the leasing business approval request, controls multiple approval levels in the target approval process, and approves the leasing business documents step by step. Therefore, by providing an online approval method, not only paperless review is achieved and dependence on paper is reduced, but also real-time supervision of the leasing business approval process can be carried out to avoid cross-departmental communication between personnel, thereby simplifying the business approval process, shortening the business approval cycle, and improving business approval efficiency. In addition, when the approval opinion of any approval level is a return, according to the set return type, the leasing business approval system adopts different methods to perform the return processing, which increases the diversity and flexibility of the leasing business approval process.

[0077] Embodiment 4

[0078] Figure 4 This is a flowchart of a leasing business approval method provided by the fourth embodiment of the present invention, which is further optimized and expanded based on the above implementation, and can be combined with various optional technical solutions in the above implementation. Figure 4 As shown, the method may include:

[0079] S401, obtaining a rental business approval request sent by a user, wherein the approval request includes the rental business file.

[0080] S402: Determine a target approval process for the leasing business based on the leasing business document, wherein the target approval process includes multiple approval levels.

[0081] S403, controlling multiple approval levels in the target approval process, and approving the leasing business documents level by level.

[0082] S404: upon receiving a withdrawal request sent by any approval level, determining whether the current approval level has approved the leasing business document.

[0083] S405: If not, then according to the withdrawal request, the leasing business approval transaction at the current approval level is revoked, and the leasing business approval status is modified to an unprocessed status at any approval level.

[0084] Optionally, when any approval level in the target approval process has completed the approval of the leasing business document, and the approval level is dissatisfied with the submitted approval result for some reason and needs to resubmit the approval result, the approval level can send a withdrawal request to the leasing business approval system. When the leasing business approval system receives the withdrawal request, it first determines whether the current approval node where the leasing business approval matter is located has completed the approval operation. If it is determined that the current approval node has completed the approval of the leasing business approval matter, the withdrawal request is ignored; if it is determined that the current approval node has not approved the leasing business approval matter, the leasing business system can revoke the leasing business approval matter at the current approval node, and return the revoked leasing business approval matter to the approval level that submitted the withdrawal request, so that the approval level can re-approve the leasing business document and submit the approval opinion. Therefore, by providing a withdrawal function for the approval level, the approval level has room for recovery when errors or errors occur in the approval, thereby meeting the needs of different application scenarios and improving the use performance.

[0085] On the basis of the above-mentioned embodiment, this embodiment controls multiple approval levels in the target approval process, and after approving the leasing business documents step by step, it may optionally include: when controlling multiple approval levels to approve the leasing business documents, the leasing business approval system may also send the leasing business documents to each approver at the same approval level, that is, to achieve control designated to a position. However, in actual applications, only specific approvers at the same approval level need to approve the leasing business documents, but due to some factors, non-specific approvers at the same approval level may approve the leasing business documents, resulting in the problem that specific approvers cannot approve the leasing business documents. The specific approver refers to the approver who handles the leasing business.

[0086] In this regard, this embodiment provides a method in which, after a non-specific approver at the same approval level has approved a rental business document, the non-specific approver can send an unlock request to the rental business approval system, so that the rental business approval system can unlock the rental business document approved by the non-specific approver according to the unlock request, and redistribute the unlocked rental business document to each approver at the approval level where the non-specific approver is located. Thus, by providing the unlocking function for the approvers at each approval level, the approver who mistakenly approved the rental business document can unlock the approved rental business document, and the specific approvers at the same approval level can approve the rental business document, thus meeting the needs in different application scenarios.

[0087] Embodiment 5

[0088] Figure 5This is a flowchart of a leasing business approval method provided in Embodiment 5 of the present invention, which is further optimized and expanded based on the above implementation, and can be combined with various optional technical solutions in the above implementation. Figure 5 As shown, the method may include:

[0089] S501, obtaining a rental business approval request sent by a user, wherein the approval request includes the rental business file.

[0090] S502: Determine a target approval process for the leasing business based on the leasing business document, wherein the target approval process includes multiple approval levels.

[0091] S503, controlling multiple approval levels in the target approval process, and approving the leasing business documents level by level.

[0092] S504: If the approver corresponding to any approval level is not in working state, and the approver has a proxy approver, the leasing business document is sent to the proxy approver so that the proxy approver can approve the leasing business document.

[0093] Among them, the agent approver refers to the person who temporarily replaces the approver to perform the leasing business document approval task.

[0094] Optionally, after sending the leasing business documents to the approval level, the leasing business approval system can determine whether the approver corresponding to the approval level is in working status. Assume that the approver can set his own status, for example, his own status is working status, vacation status or out of office status. If it is determined that the approver corresponding to the approval level is in vacation status, but the approver has set a proxy approver, then the leasing business approval system can send the leasing business documents at the approver to the proxy approver and cancel the leasing business approval items at the approver, so that the proxy approver can approve the leasing business.

[0095] After the leasing business document is transmitted to the agent approver, this embodiment may also send a prompt message to the agent approver, so that the agent approver can approve the leasing business document in time according to the prompt message.

[0096] S505: If the review opinion submitted by any approval level is not received within a preset period of time, a reminder message is sent to the approval level.

[0097] The preset duration refers to the maximum duration that an approval level takes to approve a rental business. The preset duration can be set according to actual application needs, such as one day or two days, etc. It is not specifically limited here.

[0098] Optionally, when the multiple approval levels in the control target approval process are approved level by level, there may be any approval level that has not read the leasing business file for approval, causing the approval node to remain at the approval level, resulting in an extension of the leasing business approval cycle. To this end, after the leasing business file is transmitted to any approval level, this embodiment can monitor the approval time of the approval level for approving the leasing business file. When the approval time of the approval level exceeds the preset time, it means that the approval level may have forgotten to handle the approval of the leasing business file. At this time, the leasing business approval system can send a reminder message to the approval level to enable the approval level to approve the leasing business file in a timely manner.

[0099] The technical solution provided by the embodiment of the present invention, by providing an online approval method, not only realizes paperless review and reduces dependence on paper, but also can conduct real-time supervision of the leasing business approval process and avoid cross-departmental personnel communication, thereby simplifying the business approval process, shortening the business approval cycle, and improving business approval efficiency. In addition, when the approver corresponding to any approval level is on vacation, the leasing business documents can also be approved by the proxy approver to avoid the progress of leasing business approval due to vacation. And when any approval level has not approved the leasing business documents, by sending a reminder message to it, the approval level can approve the leasing business documents in time, thereby improving the approval intelligence of the leasing business.

[0100] Embodiment 6

[0101] In order to achieve the above purpose, the embodiment of the present invention further proposes a rental business approval device. Figure 6 1 is a structural diagram of a rental business approval device provided by Embodiment 6 of the present invention. Figure 6 As shown, the rental business approval device 600 according to the embodiment of the present invention includes: an acquisition module 610 , a determination module 620 and an approval module 630 .

[0102] The acquisition module 610 is used to acquire the rental business approval request sent by the user, wherein the approval request includes the rental business file;

[0103] A determination module 620, configured to determine a target approval process for the leasing business based on the leasing business file, wherein the target approval process includes multiple approval levels;

[0104] The approval module 630 is used to control multiple approval levels in the target approval process and approve the leasing business documents level by level.

[0105] As an optional implementation of the embodiment of the present invention, the determining module 620 is specifically configured to:

[0106] Determining whether the leasing business document includes leased property information and / or guarantee information;

[0107] If so, determining the first approval process of the at least two approval processes as the target approval process for the leasing business;

[0108] If not, the second approval process of the at least two approval processes is determined as the target approval process for the leasing business.

[0109] As an optional implementation of the embodiment of the present invention, the approval module 630 is specifically used to:

[0110] Determine the approval function of each approval level;

[0111] According to the approval function of each approval level, multiple approval levels in the target approval process are controlled to approve the leasing business documents level by level.

[0112] As an optional implementation of the embodiment of the present invention, each approval level includes at least one approval node;

[0113] Accordingly, the approval module 630 is further used for:

[0114] Determine the approval function of each approval node in each approval level;

[0115] According to the approval function of each approval node in each approval level, multiple approval levels in the target approval process are controlled to approve the leasing business documents level by level.

[0116] As an optional implementation of the embodiment of the present invention, the approval module 630 includes: a return unit and an approval unit;

[0117] The return unit is used to return the leasing business document and the return approval opinion according to the preset return type if the approval opinion of any approval level is return;

[0118] The approval unit is used to transmit the leasing business and the approved approval opinion to the next approval level if the approval opinion of any approval level is approval, so that the next approval level can approve the leasing business document.

[0119] As an optional implementation of the embodiment of the present invention, the return unit is specifically configured to:

[0120] If the preset return type is direct return, the rental business document and return approval opinion are directly returned to the user terminal that sent the rental business approval request;

[0121] If the preset return type is step-by-step return, the leasing business documents and return approval opinions will be returned to the previous approval level at the adjacent position.

[0122] As an optional implementation of the embodiment of the present invention, the return unit is further used for:

[0123] Receive and save a modification submission method for any of the approval level settings;

[0124] Among them, the modification submission methods include: original flow submission and direct flow submission.

[0125] As an optional implementation of the embodiment of the present invention, the approval module 630 further includes: a determination unit and a withdrawal unit;

[0126] The determination unit is used to determine whether the current approval level has approved the leasing business document when receiving a withdrawal request sent by any approval level;

[0127] A withdrawal unit is used to, if not, cancel the leasing business approval transaction at the current approval level according to the withdrawal request, and modify the leasing business approval status to an unprocessed status at any approval level.

[0128] As an optional implementation of the embodiment of the present invention, the approval module 630 further includes: a sending unit;

[0129] Wherein, the sending unit is used for sending the leasing business document to the proxy approver if the approver corresponding to any approval level is not in working state and the approver has a proxy approver, so that the proxy approver can approve the leasing business document.

[0130] As an optional implementation of the embodiment of the present invention, the approval module 630 further includes: a reminder unit;

[0131] The reminder unit is used to send a reminder message to the approval level if no review opinion submitted by any approval level is received within a preset time period.

[0132] As an optional implementation of the embodiment of the present invention, the device further includes: a parsing module and a generating module;

[0133] The parsing module is used to parse the leasing business approval request to obtain the leasing business file carried in the leasing business approval request;

[0134] A generating module is used to generate a first sub-file and a second sub-file associated with the leasing business according to the leasing business file.

[0135] As an optional implementation of the embodiment of the present invention, the leasing business file includes at least one of the following: basic information of the leasing business, lessee information, price information, leased item information and guarantee information.

[0136] It should be noted that the above explanation of the embodiment of the leasing business approval method is also applicable to the leasing business approval device of this embodiment, and the implementation principle is similar, which will not be repeated here.

[0137] The technical solution provided by the embodiment of the present invention obtains the leasing business approval request sent by the user, determines the target approval process of the leasing business according to the leasing business documents carried in the leasing business approval request, and controls multiple approval levels in the target approval process to approve the leasing business documents step by step. Therefore, by providing an online approval method, not only paperless review is realized, and dependence on paper is reduced, but also the leasing business approval process can be supervised in real time to avoid cross-departmental communication between personnel, thereby simplifying the business approval process, shortening the business approval cycle, and improving business approval efficiency.

[0138] Embodiment 7

[0139] See also Figure 7 This embodiment provides an electronic device 700, which includes: one or more processors 710; a storage device 712, which is used to store one or more programs. When the one or more programs are executed by the one or more processors 710, the one or more processors 710 implement the leasing business approval method provided in the embodiment of the present invention, including:

[0140] Acquire a rental business approval request sent by a user, wherein the approval request includes the rental business file;

[0141] Based on the leasing business document, determining a target approval process for the leasing business, wherein the target approval process includes multiple approval levels;

[0142] Control multiple approval levels in the target approval process and approve the leasing business documents level by level.

[0143] Of course, those skilled in the art can understand that the processor 710 can also implement the technical solution of the leasing business approval method provided by any embodiment of the present invention.

[0144] like Figure 7 As shown, the electronic device 700 is in the form of a general purpose computing device. The components of the electronic device 700 may include, but are not limited to: one or more processors or processor 710, storage device 712, and bus 18 connecting different system components (including storage device 712 and processor 710).

[0145] Bus 18 represents one or more of several types of bus structures, including a memory bus or memory controller, a peripheral bus, an accelerated graphics port, a processor or a local bus using any of a variety of bus architectures. By way of example, these architectures include, but are not limited to, an Industry Standard Architecture (ISA) bus, a Micro Channel Architecture (MAC) bus, an Enhanced ISA bus, a Video Electronics Standards Association (VESA) local bus, and a Peripheral Component Interconnect (PCI) bus.

[0146] The electronic device 700 typically includes a variety of computer system readable media. These media can be any available media that can be accessed by the electronic device 700, including volatile and non-volatile media, removable and non-removable media.

[0147] The storage device 712 may include computer system readable media in the form of volatile memory, such as random access memory (RAM) 30 and / or cache memory 32. The electronic device 700 may further include other removable / non-removable, volatile / non-volatile computer system storage media. By way of example only, the storage system 34 may be used to read and write non-removable, non-volatile magnetic media ( Figure 7 not shown, usually called a "hard drive"). Although Figure 7 Not shown in the figure, a disk drive for reading and writing to a removable non-volatile disk (e.g., a "floppy disk"), and an optical disk drive for reading and writing to a removable non-volatile optical disk (e.g., a CD-ROM, a DVD-ROM, or other optical media) may be provided. In these cases, each drive may be connected to the bus 18 via one or more data medium interfaces. The storage device 712 may include at least one program product having a set (e.g., at least one) of program modules that are configured to perform the functions of the embodiments of the present invention.

[0148] A program / utility 40 having a set (at least one) of program modules 42 may be stored, for example, in the memory 28, such program modules 42 including, but not limited to, an operating system, one or more application programs, other program modules, and program data, each of which or some combination may include an implementation of a network environment. The program modules 42 generally perform the functions and / or methods of the embodiments described herein.

[0149] The electronic device 700 may also communicate with one or more external devices 14 (e.g., keyboards, pointing devices, displays 24, etc.), may also communicate with one or more devices that enable a user to interact with the electronic device 700, and / or communicate with any device that enables the electronic device 700 to communicate with one or more other computing devices (e.g., network cards, modems, etc.). Such communication may be performed via an input / output (I / O) interface 22. Furthermore, the electronic device 700 may also communicate with one or more networks (e.g., local area networks (LANs), wide area networks (WANs), and / or public networks, such as the Internet) via a network adapter 20. As shown, the network adapter 20 communicates with other modules of the electronic device 700 via a bus 18. It should be understood that, although not shown in the figure, other hardware and / or software modules may be used in conjunction with the electronic device 700, including but not limited to: microcode, device drivers, redundant processing units, external disk drive arrays, RAID systems, tape drives, and data backup storage systems, etc.

[0150] The processor 710 executes various functional applications and data processing by running the programs stored in the storage device 712, such as implementing the leasing business approval method provided in the embodiment of the present invention.

[0151] It should be noted that the above explanation of the embodiment of the leasing business approval method is also applicable to the electronic device of this embodiment, and its implementation principle is similar, which will not be repeated here.

[0152] The electronic device provided by the embodiment of the present invention obtains the rental business approval request sent by the user, determines the target approval process of the rental business according to the rental business file carried in the rental business approval request, and controls multiple approval levels in the target approval process to approve the rental business file step by step. Therefore, by providing an online approval method, not only paperless review is realized and the dependence on paper is reduced, but also the rental business approval process can be supervised in real time to avoid cross-departmental communication between personnel, thereby simplifying the business approval process, shortening the business approval cycle, and improving the business approval efficiency.

[0153] Embodiment 8

[0154] In order to achieve the above-mentioned purpose, the present invention also proposes a computer-readable storage medium. The computer-readable storage medium provided by the embodiment of the present invention stores a computer program, which, when executed by a processor, implements the leasing business approval method of the embodiment of the present invention, the method comprising:

[0155] Acquire a rental business approval request sent by a user, wherein the approval request includes the rental business file;

[0156] Based on the leasing business document, determining a target approval process for the leasing business, wherein the target approval process includes multiple approval levels;

[0157] Control multiple approval levels in the target approval process and approve the leasing business documents level by level.

[0158] Of course, the computer-readable storage medium provided by the embodiment of the present invention, on which the computer program executable instructions are stored, is not limited to the method operations described above, but can also execute the relevant operations in the leasing business approval method provided by any embodiment of the present invention.

[0159] The computer storage medium of the embodiment of the present invention can adopt any combination of one or more computer-readable media. The computer-readable medium can be a computer-readable signal medium or a computer-readable storage medium. The computer-readable storage medium can be, for example, but not limited to, a system, device or device of electricity, magnetism, light, electromagnetic, infrared, or semiconductor, or any combination of the above. More specific examples (non-exhaustive list) of computer-readable storage media include: an electrical connection with one or more wires, a portable computer disk, a hard disk, a random access memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disk read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the above. In this document, a computer-readable storage medium can be any tangible medium containing or storing a program, which can be used by an instruction execution system, a device or a device or used in combination with it.

[0160] Computer-readable signal media may include data signals propagated in baseband or as part of a carrier wave, which carry computer-readable program code. Such propagated data signals may take a variety of forms, including but not limited to electromagnetic signals, optical signals, or any suitable combination of the above. Computer-readable signal media may also be any computer-readable medium other than a computer-readable storage medium, which may send, propagate, or transmit a program for use by or in conjunction with an instruction execution system, apparatus, or device.

[0161] The program code embodied on the computer readable medium may be transmitted using any appropriate medium, including but not limited to wireless, wireline, optical fiber cable, RF, etc., or any suitable combination of the foregoing.

[0162] Computer program code for performing the operation of the present invention may be written in one or more programming languages ​​or a combination thereof, including object-oriented programming languages ​​such as Java, Smalltalk, C++, and conventional procedural programming languages ​​such as "C" or similar programming languages. The program code may be executed entirely on the user's computer, partially on the user's computer, as an independent software package, partially on the user's computer and partially on a remote computer, or entirely on a remote computer or server. In the case of a remote computer, the remote computer may be connected to the user's computer via any type of network including a local area network (LAN) or a wide area network (WAN), or may be connected to an external computer (e.g., via the Internet using an Internet service provider).

[0163] Note that the above are only preferred embodiments of the present invention and the technical principles used. Those skilled in the art will understand that the present invention is not limited to the specific embodiments described herein, and that various obvious changes, readjustments and substitutions can be made by those skilled in the art without departing from the scope of protection of the present invention. Therefore, although the present invention has been described in more detail through the above embodiments, the present invention is not limited to the above embodiments, and may include more other equivalent embodiments without departing from the concept of the present invention, and the scope of the present invention is determined by the scope of the appended claims.

Claims

1. A leasing business approval method, characterized in that: include: Acquire a rental business approval request sent by a user, wherein the approval request includes the rental business file; Determining a target approval process for the leasing business based on the leasing business document, wherein the target approval process includes multiple approval levels; Determine the approval function of each approval level; According to the approval function of each approval level, the documents related to the approval function are sent to the approval level, multiple approval levels in the target approval process are controlled, and the leasing business documents are approved level by level; The controlling of multiple approval levels in the target approval process to approve the leasing business documents level by level includes: If the review opinion submitted by any approval level is not received within the preset time, a reminder message will be sent to the approval level; After obtaining the leasing business approval request sent by the user, the method further includes: Parsing the leasing business approval request to obtain the leasing business file carried in the leasing business approval request; Generate a first sub-file and a second sub-file associated with the leasing business according to the leasing business file; wherein the first sub-file is a due diligence report and the second sub-file is a quotation plan; or the first sub-file is a quotation plan and the second sub-file is a due diligence report; After the first subfile and the second subfile associated with the leasing business are generated, the method further includes: a user online editing the first subfile and the second subfile; Wherein, each approval level includes at least one approval node; Accordingly, the control of multiple approval levels in the target approval process to approve the leasing business documents level by level includes: Determine the approval function of each approval node in each approval level; According to the approval function of each approval node in each approval level, multiple approval levels in the target approval process are controlled to approve the leasing business documents level by level.

2. The method according to claim 1, characterized in that: The target approval process for leasing business is determined based on leasing business documents, including: Determining whether the leasing business document includes leased property information and / or guarantee information; If so, determining the first approval process of the at least two approval processes as the target approval process for the leasing business; If not, the second approval process of the at least two approval processes is determined as the target approval process for the leasing business.

3. The method according to claim 1, characterized in that The controlling of multiple approval levels in the target approval process and approving the leasing business documents level by level specifically includes: If the approval opinion of any approval level is return, the leasing business documents and the return approval opinion will be returned according to the preset return type; If the approval opinion of any approval level is approval, the leasing business document and the approval opinion are transmitted to the next approval level so that the next approval level can approve the leasing business document.

4. The method according to claim 3, characterized in that The leasing business document and the return approval opinion are returned according to the preset return type, including: If the preset return type is direct return, the rental business document and return approval opinion are directly returned to the user terminal that sent the rental business approval request; If the preset return type is step-by-step return, the leasing business documents and return approval opinions will be returned to the previous approval level at the adjacent position.

5. The method according to claim 3, characterized in that: Before the leasing business documents and the returned approval opinions are returned, the following steps are included: Receive and save a modification submission method for any of the approval level settings; Among them, the modification submission methods include: original flow submission and direct flow submission.

6. The method according to claim 1, characterized in that The controlling of multiple approval levels in the target approval process and approving the leasing business documents level by level specifically includes: Upon receiving a withdrawal request sent by any approval level, determining whether the current approval level has approved the leasing business document; If not, the leasing business approval transaction at the current approval level is revoked according to the withdrawal request, and the leasing business approval status is modified to an unprocessed status at any approval level.

7. The method according to claim 1, characterized in that The controlling of multiple approval levels in the target approval process and approving the leasing business documents level by level specifically includes: If the approver corresponding to any approval level is not in working state, and the approver is set with a proxy approver, the leasing business document is sent to the proxy approver so that the proxy approver can approve the leasing business document.

8. The method according to claim 1, characterized in that: The leasing business file includes at least one of the following: basic leasing business information, lessee information, price information, leased item information and guarantee information.

9. A rental business approval device, characterized in that: include: An acquisition module, used to acquire a rental business approval request sent by a user, wherein the approval request includes the rental business file; A parsing module, used to parse the leasing business approval request to obtain the leasing business file carried in the leasing business approval request; A generating module, configured to generate a first subfile and a second subfile associated with the leasing business according to the leasing business file; wherein the first subfile is a due diligence report and the second subfile is a quotation plan; or the first subfile is a quotation plan and the second subfile is a due diligence report; wherein after generating the first subfile and the second subfile associated with the leasing business, the module further comprises: a user editing the first subfile and the second subfile online; A determination module, used to determine a target approval process for the leasing business based on the leasing business document, wherein the target approval process includes multiple approval levels; An approval module is used to determine the approval function of each approval node in each approval level; according to the approval function of each approval node in each approval level, send the documents related to the approval function to the approval level, control the multiple approval levels in the target approval process, and approve the leasing business documents level by level; Wherein, the approval module includes a reminder unit; The reminder unit is used to send a reminder message to the approval level if no review opinion submitted by any approval level is received within a preset period of time; Wherein, each approval level includes at least one approval node; Accordingly, the approval module is also used for: Determine the approval function of each approval node in each approval level; According to the approval function of each approval node in each approval level, multiple approval levels in the target approval process are controlled to approve the leasing business documents level by level.

10. An electronic device, characterized in that: include: one or more processors; a storage device for storing one or more programs, When the one or more programs are executed by the one or more processors, the one or more processors implement the leasing business approval method as described in any one of claims 1-8.

11. A computer-readable storage medium having a computer program stored thereon, characterized in that: When the program is executed by a processor, the leasing business approval method as described in any one of claims 1-8 is implemented.

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