A method and device for determining a loan amount

Abstract

The present application provides a method and device for determining a loan amount, which relates to the field of artificial intelligence and can also be used in the financial field. The method includes: determining a loan amount calculation model combination and a loan amount calculation formula combination according to the loan business requirements of a loan applicant; the loan amount calculation model combination includes at least one single rule model and at least one decision tree model; determining a loan amount calculation process according to the loan amount calculation formula combination, the single rule model and the decision tree model in the loan amount calculation model combination; and determining the loan amount of the loan applicant according to the loan amount calculation process. The present application can determine the loan amount calculation process according to the loan business requirements of the loan applicant, and then calculate the loan amount of the loan applicant.

Description

Technical Field

[0001] This application relates to the field of artificial intelligence and can be used in the financial field. Specifically, it is a method and device for determining loan amounts. Background Art

[0002] The main service targets of online loans for small and micro finance are small and micro enterprise owners. As borrowers, small and micro enterprise owners can apply for loans online and sign relevant contracts and promissory notes. The lending bank can make loans based on their credit, mortgages, pledges, etc. As borrowers, small and micro enterprise owners should repay the loans according to the agreements in the contracts and promissory notes. In the above process, calculating the loan amount is an important step. When calculating the loan amount, different loan amount calculation models are needed. After the loan amount is calculated, the customer is given a loan credit based on the calculation results.

[0003] When calculating the loan amount in the prior art, it is usually implemented in a hard-coded manner. However, in actual business, for small and micro finance loans applied by different groups of small and micro enterprise owners, the loan amount calculation processes are often different. Therefore, if the loan amount is calculated in a hard-coded manner, hard coding needs to be done separately for different groups of small and micro enterprise owners to achieve it. If it is necessary to add or adjust the loan amount calculation process, the program also needs to be modified again, and the specific loan amount calculation processes need to be configured separately for different groups of small and micro enterprise owners and then released online. Moreover, if it is necessary to add a certain group of small and micro enterprise owners, the strategy also needs to be reconfigured, and the loan amount calculation process for the newly added group of small and micro enterprise owners cannot be automatically matched. The maintenance cost of the loan amount calculation process is high and the efficiency is low. Considering the rapid expansion of the group of small and micro enterprise owners and the increasing frequency of the need to add and change the loan amount calculation process, the existing loan amount determination methods face huge challenges. Summary of the Invention

[0004] Aiming at the problems in the prior art, this application provides a method and device for determining loan amounts, which can determine the loan amount calculation process according to the loan business requirements of the lender, and then calculate the loan amount of the lender.

[0005] To solve the above technical problems, this application provides the following technical solutions:

[0006] In a first aspect, this application provides a method for determining a loan amount, including:

[0007] Determining a loan amount calculation model combination and a loan amount calculation formula combination according to the loan business requirements of the lender; the loan amount calculation model combination includes at least one single rule model and at least one decision tree model;

[0008] Determine a loan amount calculation process according to the single rule model and the decision tree model in the loan amount calculation formula combination and the loan amount calculation model combination;

[0009] Determine the loan amount of the lender according to the loan amount calculation process.

[0010] Further, determine a loan amount calculation model combination according to the loan business requirements of the lender, including:

[0011] Obtain the loan business requirements;

[0012] Traverse each loan amount calculation model and obtain the model features of each loan amount calculation model;

[0013] Determine a loan amount calculation model combination according to the model features and the loan business requirements.

[0014] Further, determine a loan amount calculation formula combination according to the loan business requirements of the lender, including:

[0015] Obtain the loan business requirements;

[0016] Traverse each loan amount calculation formula and obtain the formula features of each loan amount calculation formula;

[0017] Determine a loan amount calculation formula combination according to the formula features and the loan business requirements.

[0018] Further, determine a loan amount calculation process according to the single rule model in the loan amount calculation formula combination and the loan amount calculation model combination and the decision tree model, including:

[0019] Determine a single rule judgment result according to the single rule model;

[0020] Input the single rule judgment result into the decision tree model to obtain a branch judgment result;

[0021] Select a loan amount calculation formula from the loan amount calculation formula combination according to the branch judgment result;

[0022] Input the branch judgment result into the loan amount calculation formula to obtain the loan amount calculation process.

[0023] In a second aspect, the present application provides a loan amount determination device, including:

[0024] A model formula combination determination unit, configured to determine a loan amount calculation model combination and a loan amount calculation formula combination according to the loan business requirements of the lender; the loan amount calculation model combination includes at least one single rule model and at least one decision tree model;

[0025] A measurement process determination unit, configured to determine a loan amount measurement process according to a single rule model and the decision tree model in the loan amount measurement formula combination and the loan amount measurement model combination;

[0026] A loan amount measurement unit, configured to determine the loan amount of the lender according to the loan amount measurement process.

[0027] Further, the model formula combination determination unit includes:

[0028] A business requirement acquisition module, configured to acquire the loan business requirement;

[0029] A model feature determination module, configured to traverse each loan amount measurement model and acquire the model features of each loan amount measurement model;

[0030] A model combination determination module, configured to determine a loan amount measurement model combination according to the model features and the loan business requirement.

[0031] Further, the model formula combination determination unit includes:

[0032] A business requirement acquisition module, configured to acquire the loan business requirement;

[0033] A formula feature determination module, configured to traverse each loan amount measurement formula and acquire the formula features of each loan amount measurement formula;

[0034] A formula combination determination module, configured to determine a loan amount measurement formula combination according to the formula features and the loan business requirement.

[0035] Further, the measurement process determination unit includes:

[0036] A single rule judgment result determination module, configured to determine a single rule judgment result according to the single rule model;

[0037] A branch judgment result determination module, configured to input the single rule judgment result into the decision tree model to obtain a branch judgment result;

[0038] A measurement formula determination module, configured to select a loan amount measurement formula from the loan amount measurement formula combination according to the branch judgment result;

[0039] A measurement process determination module, configured to input the branch judgment result into the loan amount measurement formula to obtain the loan amount measurement process.

[0040] In a third aspect, the present application provides an electronic device, which includes a memory, a processor, and a computer program stored on the memory and executable on the processor. When the processor executes the program, the steps of the loan amount determination method are implemented.

[0041] In a fourth aspect, the present application provides a computer-readable storage medium, on which a computer program is stored. When the computer program is executed by a processor, the steps of the loan amount determination method are implemented.

[0042] In view of the problems in the prior art, the loan amount determination method and device provided by the present application can determine the loan amount calculation process according to the loan business requirements of the lender, and then calculate the loan amount of the lender, realizing the whole-process configuration of the addition and modification of the loan amount calculation process, greatly reducing the cost of adding and modifying the loan amount calculation process, and improving the business promotion efficiency of online loans for small and micro finance. BRIEF DESCRIPTION OF THE DRAWINGS

[0043] In order to more clearly illustrate the technical solutions in the embodiments of the present invention or the prior art, the following will briefly introduce the drawings required for use in the description of the embodiments or the prior art. Obviously, the drawings in the following description are only some embodiments of the present invention, and those of ordinary skill in the art can also obtain other drawings without creative efforts based on these drawings.

[0044] Figure 1 It is a flowchart of the loan amount determination method in an embodiment of the present application;

[0045] Figure 2 It is a flowchart of determining a combination of loan amount calculation models in an embodiment of the present application;

[0046] Figure 3 It is a flowchart of determining a combination of loan amount calculation formulas in an embodiment of the present application;

[0047] Figure 4 It is a flowchart of determining the loan amount calculation process in an embodiment of the present application;

[0048] Figure 5 It is a structural diagram of the loan amount determination device in an embodiment of the present application;

[0049] Figure 6 It is one of the structural diagrams of the model formula combination determination unit in an embodiment of the present application;

[0050] Figure 7 It is the second structural diagram of the model formula combination determination unit in an embodiment of the present application;

[0051] Figure 8 It is a structural diagram of the model calculation process determination unit in an embodiment of the present application;

[0052] Figure 9 It is a schematic structural diagram of the electronic device in the embodiment of the present application;

[0053] Figure 10 It is a structural diagram corresponding to the loan amount determination method in the embodiment of the present application;

[0054] Figure 11 It is a schematic diagram of the loan amount calculation process in the embodiment of the present application;

[0055] Figure 12 It is a schematic diagram of the loan amount calculation process configuration in the embodiment of the present application;

[0056] Figure 13 It is a data flow direction diagram corresponding to the loan amount determination method in the embodiment of the present application. Detailed implementation manners

[0057] Next, the technical solutions in the embodiments of the present application will be clearly and completely described in conjunction with the accompanying drawings in the embodiments of the present application. Obviously, the described embodiments are only a part of the embodiments of the present application, rather than all the embodiments. Based on the embodiments in the present application, all other embodiments obtained by those of ordinary skill in the art without creative efforts shall fall within the protection scope of the present application.

[0058] It should be noted that the loan amount determination method and device provided in the present application can be used in the financial field and can also be used in any field other than the financial field. The application fields of the loan amount determination method and device provided in the present application are not limited.

[0059] In one embodiment, referring to Figure 1 and Figure 13 , in order to be able to determine the loan amount calculation process according to the loan business requirements of the lender, and then calculate the loan amount of the lender, the present application provides a loan amount determination method, including:

[0060] S101: Determine a loan amount calculation model combination and a loan amount calculation formula combination according to the loan business requirements of the lender;

[0061] S102: Determine the loan amount calculation process according to the loan amount calculation formula combination, the single rule model in the loan amount calculation model combination, and the decision tree model;

[0062] S103: Determine the loan amount of the lender according to the loan amount calculation process.

[0063] It is understandable that the present application provides a method for determining a loan amount, specifically an online loan amount calculation method for small and micro finance based on a decision engine. The loan amount calculation model combination and the loan amount calculation formula combination can be determined according to the loan business requirements of the lender, and then the loan amount calculation process can be determined. Finally, the loan amount of the lender can be determined according to the determined loan amount calculation process.

[0064] The execution subject of this method can be a loan amount calculation software system. Refer to Figure 10 , this software system includes a model configuration system, a formula configuration system, and a scenario process configuration system. The model configuration system can configure the loan amount calculation models required by the lender by using the method described in step S101; the formula configuration system can configure the loan amount calculation formulas required by the lender by using the method described in step S101; the scenario process configuration system can determine the loan amount calculation process according to the loan amount calculation models configured by the model configuration system and the loan amount calculation formulas configured by the formula configuration system, and output the loan amount calculation result according to the loan amount calculation process. This loan amount calculation software system can provide services externally in the form of distributed services; the business side can call the loan amount calculation distributed service to calculate the loan amount and output the loan calculation amount of the lender.

[0065] Among them, the loan business requirements of the lender may include but are not limited to loan purposes, loan application amounts, loan financing channels, etc. The loan amount calculation model combination includes at least one single rule model and at least one decision tree model; the so-called single rule model refers to a model constructed according to preset rules, for example, it can be to determine whether the cumulative overdue period of the customer's credit loan is greater than the preset period; the so-called decision tree model refers to a model constructed according to judgment branches, for example, it can be to determine whether the turnover of the customer's certified enterprise in the past year is greater than the preset amount.

[0066] It should be noted that all the loan amount calculation models described in the present application can be implemented based on a decision engine. The decision engine relies on big data technology and is an enterprise-level online risk decision system that can provide functions such as decision models, decision services, and decision flows to serve the risk control scenarios of financial institutions.

[0067] To better understand the method described in the present application, an embodiment is now given for description.

[0068] First, a single rule model in the loan amount measurement model combination can be configured in the loan amount measurement software system. The single rule model is characterized by having only a single judgment rule, and the output result is whether to control. For example, the single judgment rule is to determine whether the cumulative overdue period of the customer's credit loan is greater than 0. The single rule judgment result is output according to whether the judgment condition is satisfied. For example, if the customer's overdue period is greater than 0, the condition is satisfied and the result of "controlled" is output; otherwise, the result of "not controlled" is output.

[0069] Then, a decision tree model in the loan amount measurement model combination can be configured in the loan amount measurement software system. The decision tree model is characterized by having a judgment branch structure for branch judgment. For example, the judgment branch structure is to determine whether the turnover of the customer's certified enterprise in the past year is greater than 5 million; if it is greater, it is determined as branch 1; otherwise, it is determined as branch 2; the final output result is "branch 1" or "branch 2".

[0070] It should be noted that the model configuration system can also include a model configuration device and a model data storage device. Model addition can be performed in the model configuration device, and data is stored in the model data storage device in real time. The model data storage device can provide data query services.

[0071] Among them, the model configuration device is implemented through the VUE front-end framework and related component libraries. Business personnel can access the visualization page in the device through a browser and enter model information by selection and information filling. The model data storage device is a database server, and model data information can be stored through the oracle database table structure, and a control model query service is provided externally through the dubbo distributed service.

[0072] From the above description, it can be seen that the loan amount determination method provided by this application can determine the loan amount measurement process according to the loan business requirements of the lender, and then calculate the loan amount of the lender, realizing the full-process configuration of the addition and modification of the loan amount measurement process, greatly reducing the cost of adding and modifying the loan amount measurement process, and improving the business promotion efficiency of online loans for small and micro finance.

[0073] In one embodiment, refer to Figure 2 , determining a loan amount measurement model combination according to the loan business requirements of the lender, including:

[0074] S201: Obtain the loan business requirements;

[0075] S202: Traverse each loan amount measurement model and obtain the model features of each loan amount measurement model;

[0076] S203: Determine a loan amount measurement model combination according to the model features and the loan business requirements.

[0077] It can be understood that each loan amount calculation model is pre-generated based on historical big data and stored in a database. There may be a large number of them. Therefore, it is necessary to traverse these loan amount calculation models to find the model features of each loan amount calculation model. For example, how many nodes and branches does a certain decision tree model in each loan amount calculation model have, and what are the judgment conditions set for each branch? What kind of single judgment conditions does a single rule model include? Finally, based on the model features, several loan amount calculation models that match or correspond to the loan business requirements of the lender are found as the loan amount calculation model combination. The loan amount calculation model combination can include multiple single rule models and multiple decision tree models.

[0078] From the above description, it can be seen that the small and micro financial loan approval process matching method provided by this application can determine the loan amount calculation model combination according to the loan business requirements of the lender.

[0079] In one embodiment, refer to Figure 3 , determining the loan amount calculation formula combination according to the loan business requirements of the lender, including:

[0080] S301: Obtain the loan business requirements;

[0081] S302: Traverse each loan amount calculation formula and obtain the formula features of each loan amount calculation formula;

[0082] S303: Determine the loan amount calculation formula combination according to the formula features and the loan business requirements.

[0083] It can be understood that each loan amount calculation formula is pre-generated based on historical big data and stored in a database. There may be a large number of them. Therefore, it is necessary to traverse these loan amount calculation formulas to find the formula features of each loan amount calculation formula. For example, what measurement variables does each loan amount calculation formula include, and what are the specific measurement items? Finally, based on the formula features, several loan amount calculation formulas that match or correspond to the loan business requirements of the lender are found as the loan amount calculation formula combination. The loan amount calculation formula combination can include multiple loan amount calculation formulas.

[0084] Specifically, the formula configuration system can be used to add and modify the loan amount calculation formulas required for loan amount calculation and provide a loan amount calculation formula query service. According to the actual loan amount calculation needs, configure the calculation formulas used for loan amount calculation in the system.

[0085] It should be noted that the loan amount calculation formula supports logical operations and numerical operations (including ordinary operators such as the four arithmetic operations and advanced operators such as max, min, ln, etc.), and also supports formula nesting. For example:

[0086] The formula Y1 = min(annual sales revenue × 10% × adjustment coefficient, annual value-added tax amount × 3). The formula Y2 = min(Y1, 1000)

[0087] The formula Y1 represents that the "loan amount available for the company" (Y1) is the minimum of 10% of the annual sales revenue multiplied by the adjustment coefficient and three times the annual value-added tax amount; the formula 2 represents that the final output "customer loan amount" (Y2) is the minimum of the "loan amount available for the company" output by formula 1 and the upper limit of the loan amount of 10 million.

[0088] It should be noted that the formula configuration system can further include a formula configuration device and a formula data storage device. The formula configuration device can be used for formula addition. After the formula addition is completed, the data can be stored in the formula data storage device in real time, and the formula data storage device can provide data query services.

[0089] Among them, the formula configuration device can be implemented through the VUE front-end framework and related component libraries. Business personnel can access the visualization page through a browser in the device and enter the formula by selection and information filling. The formula data storage device can be a database server, store formula data information through the oracle database table structure, and provide formula query services externally through the dubbo distributed service.

[0090] From the above description, it can be seen that the small and micro financial loan approval process matching method provided by this application can determine the loan amount calculation formula combination according to the loan business requirements of the lender.

[0091] In one embodiment, referring to Figure 4 , the determining the loan amount calculation process according to the loan amount calculation formula combination, the single rule model and the decision tree model in the loan amount calculation model combination includes:

[0092] S401: Determine the single rule judgment result according to the single rule model;

[0093] S402: Input the single rule judgment result into the decision tree model to obtain a branch judgment result;

[0094] S403: Select the loan amount calculation formula from the loan amount calculation formula combination according to the branch judgment result;

[0095] S404: Input the branch judgment result into the selected loan amount calculation formula to obtain the loan amount calculation process.

[0096] It is understandable that steps S401 to S404 can be completed by the scenario process configuration system. The scenario process configuration system can be used to add and modify the loan amount measurement model combination and loan amount measurement formula combination used in the business scenario, configure its specific execution process, and finally output a loan amount measurement process that meets the business scenario, and provide the amount measurement service to the business side platform for use in a distributed service manner.

[0097] Taking the loan scenario of a certain type of small and micro enterprise as an example, see Figure 11 , the configuration example of the amount measurement process is as follows:

[0098] ① Configure the loan amount measurement model as ordinary rule 1 and decision tree 1;

[0099] ② Configure the loan amount measurement formula as formula 1 and formula 2;

[0100] ③ Configure the execution process as shown in Figure 11 : After the measurement starts, first perform a control judgment through ordinary rule 1. If not controlled, continue to execute the decision tree 1 model. If controlled, the measurement ends and the output amount is 0; execute the decision tree 1 model for control judgment. If it is judged to be branch 1, execute formula 1 for calculation. If it is judged to be branch 2, perform formula 2 for calculation; after the formula calculation is completed, output the finally measured amount.

[0101] Specifically, see Figure 12 , the scenario process configuration system can also include a drag-and-drop scenario process configuration device, a scenario process data storage device, and an amount measurement distributed service.

[0102] Among them, the drag-and-drop scenario process configuration device supports users to add models and measurement formulas in a drag-and-drop form and draw a specific execution flow chart. All data is stored in the scenario process data storage device in real time, and the amount measurement service is provided and output for the platform to use.

[0103] The operation example of the drag-and-drop scenario process configuration device is as follows: Taking the above-mentioned small and micro enterprise scenario as an example, 1 ordinary rule block, 1 decision tree block, and 2 formula blocks can be dragged into the canvas, as well as 1 start block and 1 end block; after clicking on the specific graphic block, select the corresponding ordinary rule 1, decision tree 1, formula 1, and formula 2; after adjusting the position, connect the graphic blocks to achieve process configuration.

[0104] Among them, the scenario process configuration device can be implemented through the front-end VUE framework and related component libraries. Business personnel can access the visualization page through the browser in the device. The scenario process data storage device can be a database server, and the oracle database table structure is used to store data. The amount measurement process model query service and the amount measurement service can provide services externally through the dubbo distributed framework.

[0105] The final quota calculation distributed service can be implemented based on a decision engine, and the execution process is as follows:

[0106] (1) After the business configuration control model, quota calculation formula, and quota calculation process model are configured, call the quota calculation service to execute the quota calculation process.

[0107] (2) Call the distributed service of the scenario process configuration system to query the specific information of the quota calculation model configured for the business scenario, and parse the control model and quota calculation formula used therein.

[0108] (3) Concurrently call the distributed services provided by the model configuration system and the formula configuration system to query the specific information of the control model and quota calculation formula used.

[0109] (4) Execute the process output measurement quota in real time according to the execution process configured in the quota calculation model and return it.

[0110] As can be seen from the above description, the small and micro financial loan approval process matching method provided in this application can determine the loan quota calculation process according to the combination of a single rule model, a decision tree model, and a loan quota calculation formula.

[0111] Based on the same inventive concept, the embodiment of this application also provides a loan quota determination device, which can be used to implement the method described in the above embodiment, as described in the following embodiment. Since the principle of the loan quota determination device to solve the problem is similar to that of the loan quota determination method, the implementation of the loan quota determination device can refer to the implementation of the method based on the software performance benchmark, and the repeated parts will not be described again. Hereinafter, the term "unit" or "module" can be a combination of software and / or hardware that can implement a predetermined function. Although the system described in the following embodiment is preferably implemented in software, the implementation in hardware, or a combination of software and hardware, is also possible and contemplated.

[0112] In one embodiment, referring to Figure 5 , in order to be able to determine the loan quota calculation process according to the loan business requirements of the lender, and then calculate the loan quota of the lender, this application provides a loan quota determination device, including: a model formula combination determination unit 501, a measurement process determination unit 502, and a loan quota measurement unit 503.

[0113] The model formula combination determination unit 501 is used to determine a loan quota calculation model combination and a loan quota calculation formula combination according to the loan business requirements of the lender; the loan quota calculation model combination includes at least one single rule model and at least one decision tree model;

[0114] The measurement process determination unit 502 is configured to determine a loan amount measurement process according to a single rule model and the decision tree model in the loan amount measurement formula combination and the loan amount measurement model combination;

[0115] The loan amount measurement unit 503 is configured to determine the loan amount of the lender according to the loan amount measurement process.

[0116] In one embodiment, refer to Figure 6 , the model formula combination determination unit 501 includes: a business requirement acquisition module 601, a model feature determination module 602, and a model combination determination module 603.

[0117] The business requirement acquisition module 601 is configured to acquire the loan business requirements;

[0118] The model feature determination module 602 is configured to traverse each loan amount measurement model and acquire the model features of each loan amount measurement model;

[0119] The model combination determination module 603 is configured to determine a loan amount measurement model combination according to the model features and the loan business requirements.

[0120] In one embodiment, refer to Figure 7 , the model formula combination determination unit 502 includes: a business requirement acquisition module 701, a formula feature determination module 702, and a formula combination determination module 703.

[0121] The business requirement acquisition module 701 is configured to acquire the loan business requirements;

[0122] The formula feature determination module 702 is configured to traverse each loan amount measurement formula and acquire the formula features of each loan amount measurement formula;

[0123] The formula combination determination module 703 is configured to determine a loan amount measurement formula combination according to the formula features and the loan business requirements.

[0124] In one embodiment, refer to Figure 8 , the measurement process determination unit 502 includes: a single rule judgment result determination module 801, a branch judgment result determination module 802, a measurement formula determination module 803, and a measurement process determination module 804.

[0125] The single rule judgment result determination module 801 is configured to determine a single rule judgment result according to the single rule model;

[0126] The branch judgment result determination module 802 is configured to input the single rule judgment result into the decision tree model to obtain a branch judgment result;

[0127] A measurement formula determination module 803, configured to select a loan amount measurement formula from the loan amount measurement formula combination according to the branch judgment result;

[0128] A measurement process determination module 804, configured to input the branch judgment result into the loan amount measurement formula to obtain the loan amount measurement process.

[0129] At the hardware level, in order to be able to determine the loan amount measurement process according to the loan business requirements of the loaner, and then calculate the loan amount of the loaner, this application provides an embodiment of an electronic device for implementing all or part of the content in the loan amount determination method. The electronic device specifically includes the following content:

[0130] A processor, a memory, a communication interface, and a bus; wherein, the processor, the memory, and the communication interface complete communication with each other through the bus; the communication interface is used to implement information transmission between the loan amount determination device and related devices such as the core business system, the user terminal, and the related database, etc. This logic controller can be a desktop computer, a tablet computer, a mobile terminal, etc., and this embodiment is not limited thereto. In this embodiment, this logic controller can be implemented with reference to the embodiments of the loan amount determination method and the embodiments of the loan amount determination device in the embodiments, and the content is incorporated herein, and the repeated parts will not be described again.

[0131] It can be understood that the user terminal may include a smart phone, a tablet electronic device, a network set-top box, a portable computer, a desktop computer, a personal digital assistant (PDA), a vehicle-mounted device, a smart wearable device, etc. Among them, the smart wearable device may include smart glasses, a smart watch, a smart bracelet, etc.

[0132] In practical applications, part of the loan amount determination method can be executed on the electronic device side as described above, or all operations can be completed in the client device. Specifically, it can be selected according to the processing capacity of the client device and the limitations of the user usage scenario, etc. This application does not make any limitations in this regard. If all operations are completed in the client device, the client device may further include a processor.

[0133] The above-mentioned client device may have a communication module (i.e., communication unit), which can communicate with a remote server to achieve data transmission with the server. The server may include a server on the side of the task scheduling center, and in other implementation scenarios, it may also include a server of an intermediate platform, such as a server of a third-party server platform that has a communication link with the task scheduling center server. The server may include a single computer device, or a server cluster composed of multiple servers, or a server structure of a distributed device.

[0134] Figure 9 It is a schematic block diagram of the system composition of the electronic device 9600 according to an embodiment of the present application. As Figure 9 shown, the electronic device 9600 may include a central processing unit 9100 and a memory 9140; the memory 9140 is coupled to the central processing unit 9100. It should be noted that this Figure 9 is exemplary; other types of structures can also be used to supplement or replace this structure to achieve telecommunication functions or other functions.

[0135] In one embodiment, the function of the loan amount determination method may be integrated into the central processing unit 9100. Among them, the central processing unit 9100 may be configured to perform the following controls:

[0136] S101: Determine a loan amount measurement model combination and a loan amount measurement formula combination according to the loan business requirements of the lender; the loan amount measurement model combination includes at least one single rule model and at least one decision tree model;

[0137] S102: Determine a loan amount measurement process according to the loan amount measurement formula combination, the single rule model in the loan amount measurement model combination, and the decision tree model;

[0138] S103: Determine the loan amount of the lender according to the loan amount measurement process.

[0139] From the above description, it can be seen that the loan amount determination method provided by the present application can determine a loan amount measurement process according to the loan business requirements of the lender, and then calculate the loan amount of the lender, realizing the full-process configuration of the addition and modification of the loan amount measurement process, greatly reducing the cost of adding and modifying the loan amount measurement process, and improving the business promotion efficiency of online loans for small and micro finance.

[0140] In another embodiment, the loan amount determination device may be separately configured from the central processing unit 9100. For example, the loan amount determination device of the data composite transmission device may be configured as a chip connected to the central processing unit 9100, and the function of the loan amount determination method is realized through the control of the central processing unit.

[0141] As Figure 9 shown, the electronic device 9600 may further include: a communication module 9110, an input unit 9120, an audio processor 9130, a display 9160, and a power supply 9170. It should be noted that the electronic device 9600 does not necessarily have to include all the components shown in Figure 9 ; in addition, the electronic device 9600 may further include components not shown in Figure 9 . Reference may be made to the prior art.

[0142] As Figure 9 shown, the central processing unit 9100, sometimes also referred to as a controller or operation control, may include a microprocessor or other processor devices and / or logic devices. The central processing unit 9100 receives inputs and controls the operations of the various components of the electronic device 9600.

[0143] Among them, the memory 9140 may be, for example, one or more of a buffer, a flash memory, a hard drive, a removable medium, a volatile memory, a non-volatile memory, or other suitable devices. It can store the above information related to failures, and can also store programs for executing relevant information. And the central processing unit 9100 can execute the program stored in the memory 9140 to implement information storage or processing, etc.

[0144] The input unit 9120 provides inputs to the central processing unit 9100. The input unit 9120 is, for example, a key or a touch input device. The power supply 9170 is used to supply power to the electronic device 9600. The display 9160 is used to display display objects such as images and texts. The display may be, for example, an LCD display, but is not limited thereto.

[0145] The memory 9140 may be a solid-state memory, for example, a read-only memory (ROM), a random access memory (RAM), a SIM card, etc. It may also be a memory that stores information even when powered off, can be selectively erased and has more data. Examples of such a memory are sometimes referred to as EPROMs, etc. The memory 9140 may also be some other type of device. The memory 9140 includes a buffer memory 9141 (sometimes referred to as a buffer). The memory 9140 may include an application / function storage unit 9142, and the application / function storage unit 9142 is used to store application programs and function programs or the processes for operating the electronic device 9600 through the central processing unit 9100.

[0146] The memory 9140 may further include a data storage unit 9143 for storing data such as contacts, digital data, pictures, sounds, and / or any other data used by the electronic device. The driver storage unit 9144 of the memory 9140 may include various drivers for the communication functions of the electronic device and / or for performing other functions of the electronic device (such as a messaging application, an address book application, etc.).

[0147] The communication module 9110 is a transmitter / receiver 9110 that transmits and receives signals via the antenna 9111. The communication module (transmitter / receiver) 9110 is coupled to the central processing unit 9100 to provide input signals and receive output signals, which may be the same as in the case of a conventional mobile communication terminal.

[0148] Based on different communication technologies, multiple communication modules 9110 may be provided in the same electronic device, such as a cellular network module, a Bluetooth module, and / or a wireless local area network module, etc. The communication module (transmitter / receiver) 9110 is also coupled to the speaker 9131 and the microphone 9132 via the audio processor 9130 to provide an audio output via the speaker 9131 and receive an audio input from the microphone 9132, thereby implementing normal telecommunication functions. The audio processor 9130 may include any suitable buffers, decoders, amplifiers, etc. In addition, the audio processor 9130 is also coupled to the central processing unit 9100, so that it is possible to record on the local machine through the microphone 9132 and play the sound stored on the local machine through the speaker 9131.

[0149] Embodiments of the present application also provide a computer-readable storage medium capable of implementing all steps in the loan amount determination method where the execution subject in the above embodiments is a server or a client. A computer program is stored on the computer-readable storage medium, and when the computer program is executed by a processor, all steps in the loan amount determination method where the execution subject in the above embodiments is a server or a client are implemented. For example, when the processor executes the computer program, the following steps are implemented:

[0150] S101: Determine a loan amount calculation model combination and a loan amount calculation formula combination according to the loan business requirements of the lender; the loan amount calculation model combination includes at least one single rule model and at least one decision tree model;

[0151] S102: Determine a loan amount calculation process according to the loan amount calculation formula combination, the single rule model in the loan amount calculation model combination, and the decision tree model;

[0152] S103: Determine the loan amount of the lender according to the loan amount calculation process.

[0153] As can be seen from the above description, the loan amount determination method provided by this application can determine the loan amount calculation process according to the loan business needs of the borrower, and then calculate the loan amount of the borrower, realizing the full-process configuration of the addition and modification of the loan amount calculation process, greatly reducing the cost of adding and modifying the loan amount calculation process, and improving the business promotion efficiency of online loans for small and micro finance.

[0154] Those skilled in the art should understand that the embodiments of the present invention can be provided as methods, devices, or computer program products. Therefore, the present invention can take the form of a completely hardware embodiment, a completely software embodiment, or an embodiment combining software and hardware aspects. Moreover, the present invention can take the form of a computer program product implemented on one or more computer-usable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) containing computer-usable program code.

[0155] The present invention is described with reference to the flowcharts and / or block diagrams of methods, devices (apparatus), and computer program products according to embodiments of the present invention. It should be understood that each process and / or block in the flowchart and / or block diagram can be implemented by computer program instructions, and the combination of processes and / or blocks in the flowchart and / or block diagram can also be implemented by computer program instructions. These computer program instructions can be provided to the processor of a general-purpose computer, a special-purpose computer, an embedded processor, or other programmable data processing devices to generate a machine, so that the instructions executed by the processor of the computer or other programmable data processing devices generate a device for implementing the functions specified in one Figure 1 process or multiple processes and / or blocks Figure 1 block or multiple blocks.

[0156] These computer program instructions can also be stored in a computer-readable memory that can direct a computer or other programmable data processing device to work in a specific manner, so that the instructions stored in the computer-readable memory generate a manufactured article including an instruction device, and the instruction device implements the functions specified in one Figure 1 process or multiple processes and / or blocks Figure 1 block or multiple blocks.

[0157] These computer program instructions can also be loaded onto a computer or other programmable data processing device, so that a series of operation steps are executed on the computer or other programmable device to generate a computer-implemented process, and thus the instructions executed on the computer or other programmable device provide steps for implementing the functions specified in one Figure 1 process or multiple processes and / or blocks Figure 1 block or multiple blocks.

[0158] In the present invention, specific embodiments are used to elaborate on the principles and implementation manners of the present invention. The description of the above embodiments is only used to help understand the method and its core idea of the present invention; at the same time, for those of ordinary skill in the art, according to the idea of the present invention, there will be changes in the specific implementation manners and application scopes. In summary, the content of this specification should not be construed as a limitation to the present invention.

Claims

1. A method for determining a loan amount, characterized in that, Comprising: Determine a loan amount calculation model combination and a loan amount calculation formula combination according to the loan business requirements of the lender; The loan amount calculation model combination includes at least one single rule model and at least one decision tree model; Determine a loan amount calculation process according to the loan amount calculation formula combination, the single rule model in the loan amount calculation model combination, and the decision tree model; wherein, determining the loan amount calculation process according to the loan amount calculation formula combination, the single rule model in the loan amount calculation model combination, and the decision tree model includes: determining a single rule judgment result according to the single rule model; inputting the single rule judgment result into the decision tree model to obtain a branch judgment result; selecting a loan amount calculation formula from the loan amount calculation formula combination according to the branch judgment result; inputting the branch judgment result into the selected loan amount calculation formula to obtain the loan amount calculation process; wherein, the scenario process configuration system is used to add and modify the loan amount calculation model combination and the loan amount calculation formula combination used in the business scenario, and configure the specific execution process, and output a loan amount calculation process that meets the business scenario; the scenario process configuration system includes a drag-and-drop scenario process configuration device, a scenario process data storage device, and a quota calculation distributed service; wherein, the drag-and-drop scenario process configuration device supports users to add models and calculation formulas in a drag-and-drop manner, and draw a specific execution flow chart, and all data is stored in the scenario process data storage device in real time, and provides and outputs a quota calculation service; Determine the loan amount of the lender according to the loan amount calculation process; 2. The loan amount determination method according to claim 1, wherein Determine a loan amount calculation model combination according to the loan business requirements of the lender, including: Obtain the loan business requirements; Traverse each loan amount calculation model and obtain the model features of each loan amount calculation model; Determine a loan amount calculation model combination according to the model features and the loan business requirements; 3. The loan amount determination method according to claim 1, characterized in that Determine a loan amount calculation formula combination according to the loan business requirements of the lender, including: Obtain the loan business requirements; Traverse each loan amount calculation formula and obtain the formula features of each loan amount calculation formula; Determine a loan amount calculation formula combination according to the formula features and the loan business requirements; 4. A loan amount determination device, characterized in that, Comprising: A model formula combination determination unit for determining a loan amount calculation model combination and a loan amount calculation formula combination according to the loan business requirements of the lender; The loan amount calculation model combination includes at least one single rule model and at least one decision tree model; The measurement process determination unit is used to determine the loan amount measurement process according to the single rule model in the loan amount measurement formula combination and the loan amount measurement model combination and the decision tree model; wherein, the measurement process determination unit includes: a single rule judgment result determination module, which is used to determine the single rule judgment result according to the single rule model; a branch judgment result determination module, which is used to input the single rule judgment result into the decision tree model to obtain the branch judgment result; a measurement formula determination module, which is used to select the loan amount measurement formula from the selected loan amount measurement formula combination according to the branch judgment result; a measurement process determination module, which is used to input the branch judgment result into the loan amount measurement formula to obtain the loan amount measurement process; wherein, the scenario process configuration system is used to add and modify the loan amount measurement model combination and the loan amount measurement formula combination used in the business scenario, and configure the specific execution process, and output the loan amount measurement process that meets the business scenario; the scenario process configuration system includes a drag-and-drop scenario process configuration device, a scenario process data storage device and a quota measurement distributed service; wherein, the drag-and-drop scenario process configuration device supports users to add models and measurement formulas in a drag-and-drop form, and draw the specific execution flow chart, and all data are stored in the scenario process data storage device in real time, and provide and output the quota measurement service; The loan amount measurement unit is used to determine the loan amount of the loaner according to the loan amount measurement process.

5. The loan amount determination device according to claim 4, wherein The model formula combination determination unit includes: The business requirement acquisition module is used to acquire the loan business requirement; The model feature determination module is used to traverse each loan amount measurement model and acquire the model features of each loan amount measurement model; The model combination determination module is used to determine the loan amount measurement model combination according to the model features and the loan business requirement.

6. The loan amount determination device according to claim 4, characterized in that The model formula combination determination unit includes: The business requirement acquisition module is used to acquire the loan business requirement; The formula feature determination module is used to traverse each loan amount measurement formula and acquire the formula features of each loan amount measurement formula; The formula combination determination module is used to determine the loan amount measurement formula combination according to the formula features and the loan business requirement.

7. An electronic device, comprising a memory, a processor, and a computer program stored on the memory and executable on the processor, characterized in that, When the processor executes the program, it implements the steps of the loan amount determination method according to any one of claims 1 to 3.

8. A computer-readable storage medium having a computer program stored thereon, characterized in that, When the computer program is executed by the processor, it implements the steps of the loan amount determination method according to any one of claims 1 to 3.

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