A method, device and computer equipment for settling corporate loan interest

Abstract

The present invention discloses a method, device and computer equipment for settling interest on public loans, which are used to solve the problem that users in the existing public loan mode cannot repay interest before the interest payment date specified in the contract. First, the user's account information, target repayment principal amount, target interest start date and target interest payment date are obtained, and then the loan amount, the amount of principal to be repaid in the loan amount, the interest calculation characteristic value and the last interest payment date are determined according to the user's account information. According to the target interest start date and the target interest payment date, the interest calculation cycle is determined, and finally, according to the interest calculation cycle, the interest calculation characteristic value, the target repayment principal amount and the amount of principal to be repaid, the interest amount to be repaid in advance is determined. The target interest start date is a date after the last interest payment date, the target interest payment date is a date after the current date, and the target repayment principal amount is greater than or equal to 0. Through this method, the user's public loan business can be repaid in advance, thereby improving the flexibility of public loan settlement interest.

Description

Technical Field

[0001] The present invention relates to the field of computer technology, and in particular to a method, device, and computer equipment for settling corporate loan interest. Background Art

[0002] The bank's corporate business includes corporate electronic banking, unit deposit business, credit business, institutional business, international business, entrusted housing finance, fund settlement, intermediary business, asset promotion, fund custody, etc. Among them, the bank's corporate credit business is an important part of financial management. At present, when banks handle corporate loan business, the existing early repayment model does not support users to repay only the interest before the interest payment date specified in the contract. When the user has sufficient cash flow and the user wants to repay the interest in advance, the existing repayment method cannot meet this requirement. Summary of the invention

[0003] The present invention provides a method, device and computer equipment for settling corporate loan interest, which are used to solve the problem in the prior art that users cannot repay the interest before the interest payment date specified in the contract under the corporate loan mode.

[0004] The method of the present invention comprises:

[0005] In a first aspect, an embodiment of the present invention provides a method for settling corporate loan interest, the method comprising:

[0006] Obtain the user's account information, target principal repayment amount, target interest accrual date, and target interest payment date;

[0007] Determine the loan amount, the principal amount to be repaid in the loan amount, the interest calculation characteristic value, and the last interest payment date according to the user's account information;

[0008] Determine the interest calculation period according to the target interest value date and the target interest settlement date;

[0009] Determine the early interest payment amount according to the interest calculation period, the interest calculation characteristic value, the target principal repayment amount and the principal to be repaid;

[0010] Among them, the target interest accrual date is the date after the previous interest payment date, and the target interest payment date is the date after the current date; the target principal repayment amount is greater than or equal to 0.

[0011] In a possible implementation, the interest-bearing characteristic value includes an interest-bearing category and an interest rate;

[0012] The determining of the early interest payment amount according to the interest calculation period, the interest calculation characteristic value, the target principal repayment amount and the principal amount to be repaid includes:

[0013] If the target principal repayment amount is greater than 0, the product of the target principal repayment amount, the interest rate and the interest calculation parameter is used as the early interest repayment amount;

[0014] If the target principal repayment amount is 0, the product of the principal to be repaid, the interest rate and the interest calculation parameter is used as the early interest repayment amount;

[0015] The interest calculation parameter is the ratio of the interest calculation period to the interest calculation category.

[0016] In a possible implementation manner, determining the interest calculation period according to the target interest value date and the target interest settlement date includes:

[0017] The time between the target interest accrual date and the target interest payment date is taken as the interest calculation period.

[0018] In a possible implementation manner, if the time between the target interest value date and the target interest payment date includes a non-interest accrual period, the time between the target interest value date and the target interest payment date other than the non-interest accrual period is used as the interest accrual period;

[0019] The non-interest-bearing period is the length of time corresponding to the interest that has been repaid.

[0020] In a possible implementation, the method further includes:

[0021] Determine the current interest payment date and the current outstanding interest amount corresponding to the loan according to the account information;

[0022] Based on the current interest payment date, the current date, the current outstanding interest amount and the early interest payment amount, determine whether to include the early interest payment amount in the current transaction details list and / or the due transaction details list.

[0023] In a possible implementation, determining to include the early interest payment amount in the current transaction details table and / or the due transaction details table based on the current interest payment date, the current date, the current outstanding interest amount, and the early interest payment amount includes:

[0024] If the current interest payment date is the current date, and the early interest payment amount is less than or equal to the current outstanding interest, the early interest payment amount shall be included in the current transaction details table;

[0025] If the current interest payment date is the current date, and the amount of interest paid in advance is greater than the current outstanding interest, the portion of the amount of interest paid in advance equal to the current outstanding interest shall be included in the current transaction details table, and the portion of the amount of interest paid in advance greater than the current outstanding interest shall be included in the due transaction details table;

[0026] If the current interest payment date is not the current date, the early interest payment amount will be included in the due transaction details table.

[0027] In a second aspect, an embodiment of the present invention provides a corporate loan interest settlement device, the device comprising:

[0028] The acquisition module is used to obtain the user's account information, target repayment principal amount, target interest accrual date and target interest settlement date;

[0029] An information determination module, used to determine the loan amount, the amount of principal to be repaid in the loan amount, the interest calculation characteristic value, and the last interest payment date according to the user's account information;

[0030] A cycle determination module, used to determine the interest calculation cycle according to the target interest value date and the target interest settlement date;

[0031] An interest determination module, used to determine an early interest payment amount according to the interest calculation period, the interest calculation characteristic value, the target principal repayment amount and the principal to be repaid;

[0032] Among them, the target interest accrual date is the date after the previous interest payment date, and the target interest payment date is the date after the current date; the target principal repayment amount is greater than or equal to 0.

[0033] In a possible implementation, the interest-bearing characteristic value includes an interest-bearing category and an interest rate;

[0034] The interest determination module is specifically used for:

[0035] If the target principal repayment amount is greater than 0, the product of the target principal repayment amount, the interest rate and the interest calculation parameter is used as the early interest repayment amount;

[0036] If the target principal repayment amount is 0, the product of the principal to be repaid, the interest rate and the interest calculation parameter is used as the early interest repayment amount;

[0037] The interest calculation parameter is the ratio of the interest calculation period to the interest calculation category.

[0038] In a possible implementation manner, the period determination module is specifically configured to:

[0039] The time between the target interest accrual date and the target interest payment date is taken as the interest calculation period.

[0040] In a possible implementation manner, if the time between the target interest value date and the target interest payment date includes a non-interest accrual period, the time between the target interest value date and the target interest payment date other than the non-interest accrual period is used as the interest accrual period;

[0041] The non-interest-bearing period is the length of time corresponding to the interest that has been repaid.

[0042] In a possible implementation manner, the information determination module is further configured to:

[0043] Determine the current interest payment date and the current outstanding interest amount corresponding to the loan according to the account information;

[0044] Based on the current interest payment date, the current date, the current outstanding interest amount and the early interest payment amount, determine whether to include the early interest payment amount in the current transaction details list and / or the due transaction details list.

[0045] In a possible implementation manner, the information determination module is specifically configured to:

[0046] If the current interest payment date is the current date, and the early interest payment amount is less than or equal to the current outstanding interest, the early interest payment amount shall be included in the current transaction details table;

[0047] If the current interest payment date is the current date, and the amount of interest paid in advance is greater than the current outstanding interest, the portion of the amount of interest paid in advance equal to the current outstanding interest shall be included in the current transaction details table, and the portion of the amount of interest paid in advance greater than the current outstanding interest shall be included in the due transaction details table;

[0048] If the current interest payment date is not the current date, the early interest payment amount will be included in the due transaction details table.

[0049] In a third aspect, an embodiment of the present invention further provides a computer device, comprising a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein when the processor executes the computer program, any method described in the first aspect is implemented.

[0050] In a fourth aspect, an embodiment of the present invention further provides a computer-readable storage medium, wherein the computer-readable storage medium stores a computer program for executing any of the methods described in the first aspect.

[0051] The beneficial effects of the present invention are as follows:

[0052] The present invention discloses a method, device and computer equipment for settling interest on corporate loans. First, the user's account information, target repayment principal amount, target interest accrual date and target interest settlement date are obtained. Then, the loan amount, the amount of principal to be repaid in the loan amount, an interest calculation characteristic value and the last interest settlement date are determined according to the user's account information. According to the target interest accrual date and the target interest settlement date, the interest calculation period is determined. Finally, according to the interest calculation period, the interest calculation characteristic value, the target repayment principal amount and the amount of principal to be repaid, the interest amount that the user needs to repay in advance is determined. The target interest accrual date is a date after the last interest settlement date, the target interest settlement date is a date after the current date, and the target repayment principal amount is greater than or equal to 0. Through this method, the user's corporate loan business can make early interest repayments, thereby improving the flexibility of corporate loan settlement interest. BRIEF DESCRIPTION OF THE DRAWINGS

[0053] In order to more clearly illustrate the technical solutions in the embodiments of the present invention, the drawings required for use in the description of the embodiments will be briefly introduced below. Obviously, the drawings described below are only some embodiments of the present invention. For ordinary technicians in this field, other drawings can be obtained based on these drawings without paying creative labor.

[0054] Figure 1 A schematic diagram of a process for settling corporate loan interest provided by an embodiment of the present invention;

[0055] Figure 2 A schematic diagram of a user interest repayment provided by an embodiment of the present invention;

[0056] Figure 3 Another schematic diagram of user interest repayment provided by an embodiment of the present invention;

[0057] Figure 4 Another schematic diagram of user interest repayment provided by an embodiment of the present invention;

[0058] Figure 5 A schematic diagram of the structure of a corporate loan interest settlement device provided by an embodiment of the present invention;

[0059] Figure 6 A schematic diagram of a computer device is also provided for an embodiment of the present invention. DETAILED DESCRIPTION

[0060] In order to make the purpose, technical solution and advantages of the present invention clearer, the present invention will be further described in detail below in conjunction with the accompanying drawings. Obviously, the described embodiments are only part of the embodiments of the present invention, rather than all the embodiments. Based on the embodiments of the present invention, all other embodiments obtained by ordinary technicians in this field without creative work are within the scope of protection of the present invention.

[0061] At present, the bank's public business includes corporate electronic banking, unit deposit business, credit business, institutional business, international business, entrusted housing finance, fund settlement, intermediary business, asset promotion, fund custody, etc. At present, the public credit business only supports users to repay the interest on the interest payment date specified in the contract, and does not support users to repay only the interest before the interest payment date specified in the contract without repaying the principal.

[0062] Based on the above problems, an embodiment of the present invention provides a corporate loan interest settlement method, device and computer equipment to solve the problem in the prior art that users in the corporate loan model cannot repay only the interest before the interest payment date specified in the contract.

[0063] The following describes the corporate loan interest settlement method, apparatus and computer equipment provided by the exemplary embodiments of the present application in combination with the application scenarios described above and with reference to the accompanying drawings. It should be noted that the above application scenarios are only shown to facilitate understanding of the spirit and principles of the present application, and the implementation methods of the present application are not subject to any restrictions in this regard.

[0064] like Figure 1 FIG. 1 is a flow chart of a method for settling corporate loan interest provided by an embodiment of the present invention, the method comprising:

[0065] Step 101, obtaining the user's account information, target principal repayment amount, target interest accrual date and target interest payment date;

[0066] Step 102, determining the loan amount, the principal amount to be repaid in the loan amount, the interest calculation characteristic value, and the last interest payment date according to the user's account information;

[0067] Step 103, determining the interest calculation period according to the target interest value date and the target interest settlement date;

[0068] Step 104, determining the early interest payment amount according to the interest calculation period, the interest calculation characteristic value, the target principal repayment amount and the principal to be repaid;

[0069] Among them, the target interest accrual date is the date after the last interest payment date, and the target interest payment date is the date after the current date; the target principal repayment amount is greater than or equal to 0.

[0070] The embodiment of the present invention discloses a method for settling interest on corporate loans. The method comprises the following steps: firstly, obtaining the user's account information, target principal repayment amount, target interest accrual date and target interest settlement date, then determining the loan amount, the principal amount to be repaid in the loan amount, an interest calculation characteristic value and the last interest settlement date according to the user's account information, determining the interest calculation period according to the target interest accrual date and the target interest settlement date, and finally determining the interest amount that the user needs to repay in advance according to the interest calculation period, the interest calculation characteristic value, the target principal repayment amount and the principal amount to be repaid, wherein the target interest accrual date is a date after the last interest settlement date, the target interest settlement date is a date after the current date, and the target principal repayment amount is greater than or equal to 0. The method can enable the user's corporate loan business to make early interest repayments, thereby improving the flexibility of interest settlement on corporate loans.

[0071] Among them, the target repayment amount, target interest accrual date and target interest settlement date in the embodiment of the present invention can be set by the user.

[0072] In an embodiment of the present invention, before determining the early interest payment amount, it is necessary to first determine the interest calculation period, which is determined based on the target interest accrual date and the target interest payment date. Specifically, the length of time between the target interest accrual date and the target interest payment date is used as the interest calculation period.

[0073] For example, if the target interest accrual date is May 10, 2021, and the target interest payment date is May 20, 2021, then the interest calculation period is 10 days.

[0074] In specific implementation, the time between the target interest accrual date and the target interest payment date may include a non-interest accrual period. In this case, the time between the target interest accrual date and the target interest payment date other than the non-interest accrual period is used as the interest calculation period, where the non-interest accrual period is the time corresponding to the interest that has been repaid.

[0075] For example, the target interest accrual date is May 10, 2021, and the target interest payment date is May 20, 2021. The interest between May 12, 2021 and May 15, 2021 has been repaid. The interest calculation period is in days, which is 7 days, that is, 10 days minus 3 days.

[0076] After the interest calculation period is determined, the early interest payment amount can be determined based on the interest calculation period, interest calculation characteristic value, target principal repayment amount and principal amount to be repaid.

[0077] The interest-bearing characteristic value may include the interest-bearing category and the interest rate.

[0078] In implementation, the target principal repayment amount may be greater than 0 or equal to 0. The following describes the cases where the target principal repayment amount is greater than 0 and equal to 0 respectively.

[0079] Case 1: The target principal repayment amount is greater than 0.

[0080] If the target principal repayment amount is greater than 0, it means that both interest and principal are repaid at the same time.

[0081] The specific calculation method is, first, taking the ratio of the interest calculation period and the interest calculation category as the interest calculation parameter, and then taking the product of the target principal repayment amount, the interest rate and the interest calculation parameter as the early interest repayment amount.

[0082] Case 2: The target principal repayment amount is equal to 0.

[0083] The target principal repayment amount is equal to 0, which means that only the interest will be repaid in advance, not the principal.

[0084] The specific calculation method is, first, taking the ratio of the interest calculation period and the interest calculation category as the interest calculation parameter, and then taking the product of the principal amount to be repaid, the interest rate and the interest calculation parameter as the early interest repayment amount.

[0085] After determining the amount of early interest repayment in the above manner, you can also determine the current interest payment date and the current outstanding interest amount corresponding to the loan based on the account information; then, based on the current interest payment date, the current date, the current outstanding interest amount and the early interest repayment amount, determine whether the early interest repayment amount will be included in the current transaction details list and / or the due transaction details list.

[0086] The above method of recording the amount of early interest repayment into the current transaction details table and / or the due transaction details table can play a traceability role and facilitate user inquiries.

[0087] The amount of early interest payment shall be included in the current transaction details table and / or the due transaction details table. Based on the comparison result of the current interest payment date with the current date and the comparison result of the early interest payment amount with the current outstanding interest, the amount of early interest payment shall be included in the current transaction details table, or the amount of early interest payment shall be included in the current transaction details table and the due transaction details table, or the amount of early interest payment shall be included in the due transaction details table.

[0088] Specifically, it can be divided into the following three situations.

[0089] Case 1: The current interest payment date is the current date, and the amount of early interest payment is less than or equal to the current outstanding interest.

[0090] The amount of early interest repayment will be included in the current transaction details statement.

[0091] Case 2: The current interest payment date is the current date, and the amount of early interest payment is greater than the current outstanding interest.

[0092] The portion of the early interest payment amount that is equal to the current outstanding interest will be included in the current transaction details table, and the portion of the early interest payment amount that is greater than the current outstanding interest will be included in the due transaction details table.

[0093] Case 3: If the current interest payment date is not the current date.

[0094] The amount of early interest payment will be included in the detailed statement of matured transactions.

[0095] Including the early interest payment amount in the current transaction details table, or including the early interest payment amount in the current transaction details table and the due transaction details table, or including the early interest payment amount in the due transaction details table can facilitate user query and management.

[0096] For ease of understanding, the above method is described below in conjunction with specific embodiments:

[0097] In the transaction interface, the user can first enter information, where the information entered by the user can include the loan account number, the mode of early interest repayment, the target interest accrual date, the target interest payment date, and the target principal repayment amount; based on the loan account number entered by the user, the user's loan status, transaction details, and interest calculation characteristic values ​​of the loan can be obtained.

[0098] Among them, the modes of early interest repayment may include the interest-plus-principal repayment mode, the normal interest settlement mode, and the full interest settlement mode; the transaction details may include the transaction serial number, the global event tracking number, the account number, the transaction date, the transaction amount, the borrowing and lending direction, the currency code, the account balance, the deposit balance and other information; the interest calculation characteristic value includes the interest calculation rules, the interest rate type, the interest rate, the effective / expiration date, the validity flag and other information.

[0099] It should be noted that the target principal repayment amount for the interest-along-principal repayment mode is greater than 0, and the target principal repayment amount for the normal interest settlement mode and the full interest settlement mode is equal to 0.

[0100] For the above three early interest repayment modes, the following business control rules can be formulated:

[0101] Rule 1: The loan status of the loan account is not checked. The loan status can include normal status, overdue status, partially overdue status, non-accrual status and settled status. Even in the overdue status, partially overdue status and non-accrual status, the lender supports the loan user to make early repayments for the non-overdue part and the accrual part;

[0102] Rule 2: It is not bound to corporate credit products. All corporate credit products of all lenders support early repayment of interest. Whether to repay interest in advance is determined by the user when making an early repayment transaction;

[0103] Rule 3: Early repayment (early repayment of principal and / or early repayment of interest) supports retroactive repayment;

[0104] Rule 4: The amount of principal repaid in advance under the interest-with-principal repayment mode cannot be greater than the normal principal amount, and the amount of interest repaid in advance is also the interest generated by the normal principal. The interest generated by compound interest and overdue principal can only be repaid on the next interest payment date;

[0105] Rule 5: Early interest repayment can be made multiple times. If the interest calculation period is repeated, the repaid interest amount will not be calculated repeatedly;

[0106] Rule 6: If the current date is the current interest payment date, and the user's early interest payment amount is less than or equal to the current outstanding interest, the early interest payment amount will be included in the current transaction details table; if the current date is the current interest payment date, and the early interest payment amount is greater than the current outstanding interest, the part of the early interest payment amount equal to the current outstanding interest will be included in the current transaction details table, and the part of the early interest payment amount greater than the current outstanding interest will be included in the due transaction details table; if the current date is not the current interest payment date, the early interest payment amount will be included in the due transaction details table.

[0107] In one embodiment, the user enters the loan account number in the transaction interface and selects the interest-plus-principal mode for early interest repayment. In this mode, the user needs to enter the target interest accrual date, target interest payment date, and target principal repayment amount, and the entered target principal repayment amount is greater than 0. The system uses the target principal repayment amount as the interest-calculated principal, and the time between the target interest accrual date and the target interest payment date as the interest calculation period. The system obtains the loan amount, the principal to be repaid, the interest rate, the interest calculation category, and the last interest payment date based on the loan account information, and can determine the early interest repayment amount based on (Formula 1).

[0108] Prepayment amount = target principal repayment amount * interest rate * (interest calculation period / interest calculation category) (Formula 1)

[0109] For example, Figure 2 As shown, it is a user interest repayment schematic diagram provided by an embodiment of the present invention. The user's loan account balance is 10,000 yuan, of which the normal principal amount is 9,000 yuan, the overdue principal amount is 1,000 yuan, the interest calculation category is 360, the interest rate is 4%, the user selects the interest-with-principal payment mode, the target interest accrual date is 10.11 (October 11), the target interest settlement date is 10.21 (October 21), and the interest calculation period is 10 days. Then, under the interest-with-principal payment mode, the user needs to repay in advance the interest of 1000*4%*(10 / 360)=1.11 yuan, and the principal to be repaid is 1,000 yuan.

[0110] In one embodiment, the user enters the loan account number in the transaction interface and selects the normal interest settlement mode for the early interest repayment mode. In this mode, the user does not need to enter the target principal repayment amount, and the principal to be repaid is used as the interest-bearing principal. The target interest accrual date to the target interest settlement date is the interest calculation period, and the loan amount, the principal to be repaid, the interest rate, the interest calculation category, and the last interest settlement date are obtained based on the loan account information. If a transaction occurs during the interest calculation period in which the principal to be repaid changes, such as early repayment of the principal, the early interest repayment amount is calculated in segments, and the early interest repayment amount can be calculated according to (Formula 2).

[0111] Prepayment amount = principal amount to be repaid * interest rate * (interest calculation period / interest calculation category) (Formula 2)

[0112] For example, Figure 3 As shown, this is another user interest repayment diagram provided by an embodiment of the present invention. The user's loan account balance is 10,000 yuan, of which the normal principal amount is 9,000 yuan, the overdue principal amount is 1,000 yuan, the interest calculation category is 360, the interest rate is 4%, the user selects the normal interest settlement mode, the target interest accrual date is 10.21 (October 21st), and the target interest settlement date is 10.31 (October 31st). As in the above embodiment, the user has made an early interest settlement in the interest-with-principal settlement mode on 10.11 (October 11), so the interest that the user needs to repay in advance in this normal interest settlement mode is 8000*4%*(10 / 360)=8.89 yuan.

[0113] In one embodiment, the user enters the loan account number in the transaction interface, and selects the full interest settlement mode for the early interest repayment mode. In this mode, the user does not need to enter the target principal repayment amount. The user's target interest accrual date is the previous interest payment date, and the target interest payment date is the loan maturity date. The principal amount to be repaid is the interest-bearing principal, and the interest calculation period is from the previous interest payment date to the loan maturity date. The loan amount, the principal amount to be repaid, the interest rate, the interest calculation category, and the previous interest payment date are obtained based on the loan account information. If a transaction that changes the principal amount to be repaid occurs during the interest calculation period, such as early repayment of the principal, the early interest repayment amount can be calculated in segments, and the early repayment interest amount can be calculated according to (Formula 2).

[0114] In addition, under the full interest settlement mode, for the interest that has not been generated before the maturity date, the interest settled in advance does not need to be amortized; the amount of principal repaid in advance is not deducted from the interest-bearing principal. If there are multiple principal repayment plans that have not yet matured and are triggered before the loan maturity date, the interest can be calculated without segments; the early principal repayment amount is controlled to be equal to the unexpired principal of the loan; the interest rate between the early repayment date and the maturity date can also be segmented according to the interest rate adjustment parameters. If it is an interest rate index value that has not yet been announced in the future, the most recent effective interest rate index value in the database can be taken.

[0115] It should be noted that the principal repayment plan that has not been triggered by maturity here can be an overdue principal repayment plan or an overdue interest repayment plan.

[0116] For example, Figure 4As shown, it is another user interest repayment diagram provided by an embodiment of the present invention. The user's loan account balance is 10,000 yuan, of which the normal principal amount is 9,000 yuan, the overdue principal amount is 1,000 yuan, the interest calculation category is 360, the interest rate is 4%, the user selects the full interest settlement mode, the last interest settlement date is 10.1 (October 1), and the due date is 11.30 (November 30). Then, the interest that the user needs to repay in advance under the full interest settlement mode is 9,000*4%*(60 / 360)=60 yuan.

[0117] Based on the same inventive concept, the embodiment of the present invention also provides a corporate loan interest settlement device, such as Figure 5 , which is a schematic diagram of the structure of a corporate loan interest settlement device provided by an embodiment of the present invention, the device includes an acquisition module 501, an information determination module 502, a cycle determination module 503 and an interest determination module 504;

[0118] The acquisition module 501 is used to acquire the user's account information, target repayment principal amount, target interest accrual date and target interest payment date;

[0119] The information determination module 502 is used to determine the loan amount, the principal amount to be repaid in the loan amount, the interest calculation characteristic value, and the last interest payment date according to the user's account information;

[0120] The cycle determination module 503 is used to determine the interest calculation cycle according to the target interest value date and the target interest settlement date;

[0121] The interest determination module 504 is used to determine the early interest payment amount according to the interest calculation period, the interest calculation characteristic value, the target principal repayment amount and the principal to be repaid;

[0122] Among them, the target interest accrual date is the date after the last interest payment date, and the target interest payment date is the date after the current date; the target principal repayment amount is greater than or equal to 0.

[0123] Optionally, the interest-bearing characteristic value includes an interest-bearing category and an interest rate;

[0124] The interest determination module 504 is specifically used for:

[0125] If the target principal repayment amount is greater than 0, the product of the target principal repayment amount, interest rate and interest calculation parameter is used as the early interest repayment amount;

[0126] If the target principal repayment amount is 0, the product of the principal to be repaid, the interest rate and the interest calculation parameter will be used as the early interest repayment amount;

[0127] The interest calculation parameter is the ratio of the interest calculation period to the interest calculation category.

[0128] Optionally, the period determination module 503 is specifically configured to:

[0129] The time between the target interest accrual date and the target interest payment date is taken as the interest calculation period.

[0130] Optionally, if the time between the target interest value date and the target interest settlement date includes a non-interest accrual period, the time between the target interest value date and the target interest settlement date other than the non-interest accrual period shall be used as the interest accrual period;

[0131] Among them, the non-interest-bearing period is the length of time corresponding to the interest that has been repaid.

[0132] Optionally, the information determination module 504 is further configured to:

[0133] Determine the current interest payment date and the current outstanding interest amount corresponding to the loan based on the account information;

[0134] Based on the current interest payment date, the current date, the current outstanding interest amount and the early interest payment amount, determine whether the early interest payment amount will be included in the current transaction details list and / or the due transaction details list.

[0135] Optionally, the information determination module 504 is specifically configured to:

[0136] If the current interest payment date is the current date, and the amount of interest paid in advance is less than or equal to the outstanding interest for the current period, the amount of interest paid in advance will be included in the current transaction details table;

[0137] If the current interest payment date is the current date, and the amount of early interest payment is greater than the current outstanding interest, the portion of the early interest payment equal to the current outstanding interest shall be included in the current transaction details table, and the portion of the early interest payment greater than the current outstanding interest shall be included in the due transaction details table;

[0138] If the current interest payment date is not the current date, the early interest payment amount will be included in the due transaction details table.

[0139] Since the principle of solving the problem by the device is similar to that of the corporate loan interest settlement method, the implementation of the device can refer to the implementation of the corporate loan interest settlement method, and the repeated parts will not be repeated.

[0140] Based on the same inventive concept, an embodiment of the present invention further provides a computer device, such as Figure 6 As shown, a schematic diagram of the structure of a computer device is also provided in an embodiment of the present invention. The computer device can implement all the steps in the corporate loan interest settlement method in the above embodiment. The computer device may specifically include a processor 601, a memory 602 and a communication bus 603, wherein the processor 601 and the memory 602 communicate with each other through the communication bus 603; the communication bus 603 is used to realize information transmission between related devices:

[0141] The processor 601 is used to call the computer program in the memory 602, and the processor 601 performs the following process:

[0142] Obtain the user's account information, target principal repayment amount, target interest accrual date, and target interest payment date; determine the loan amount, the principal amount to be repaid in the loan amount, the interest calculation characteristic value, and the last interest payment date based on the user's account information; determine the interest calculation period based on the target interest accrual date and the target interest payment date; determine the early interest payment amount based on the interest calculation period, the interest calculation characteristic value, the target principal repayment amount, and the principal amount to be repaid;

[0143] Among them, the target interest accrual date is the date after the last interest payment date, and the target interest payment date is the date after the current date; the target principal repayment amount is greater than or equal to 0.

[0144] Optionally, the processor 601 is specifically configured to:

[0145] If the target principal repayment amount is greater than 0, the product of the target principal repayment amount, interest rate and interest calculation parameter is used as the early interest repayment amount;

[0146] If the target principal repayment amount is 0, the product of the principal to be repaid, the interest rate and the interest calculation parameter will be used as the early interest repayment amount;

[0147] The interest calculation parameter is the ratio of the interest calculation period to the interest calculation category.

[0148] Optionally, the processor 601 is specifically configured to:

[0149] The time between the target interest accrual date and the target interest payment date is taken as the interest calculation period.

[0150] Optionally, the processor 601 is specifically configured to:

[0151] If the time between the target interest value date and the target interest payment date includes a non-interest accrual period, the time between the target interest value date and the target interest payment date other than the non-interest accrual period shall be regarded as the interest accrual period;

[0152] Among them, the non-interest-bearing period is the length of time corresponding to the interest that has been repaid.

[0153] Optionally, the processor 601 is further configured to:

[0154] Determine the current interest payment date and the current outstanding interest amount corresponding to the loan based on the account information;

[0155] Based on the current interest payment date, the current date, the current outstanding interest amount and the early interest payment amount, determine whether the early interest payment amount will be included in the current transaction details list and / or the due transaction details list.

[0156] Optionally, the processor 601 is specifically configured to:

[0157] If the current interest payment date is the current date, and the amount of interest paid in advance is less than or equal to the outstanding interest for the current period, the amount of interest paid in advance will be included in the current transaction details table;

[0158] If the current interest payment date is the current date, and the amount of early interest payment is greater than the current outstanding interest, the portion of the early interest payment equal to the current outstanding interest will be included in the current transaction details table, and the portion of the early interest payment greater than the current outstanding interest will be included in the due transaction details table;

[0159] If the current interest payment date is not the current date, the early interest payment amount will be included in the due transaction details table.

[0160] Furthermore, an embodiment of the present invention also provides a computer-readable storage medium for implementing all the steps in the corporate loan interest settlement method in the above embodiment, which has a computer-usable or computer-readable program code implemented in the medium, so as to be used by an instruction execution system or in combination with an instruction execution system. In the context of the present invention, a computer-usable or computer-readable medium can be any medium that can contain, store, communicate, transmit, or convey a program for use by an instruction execution system, device, or apparatus, or in combination with an instruction execution system, device, or apparatus.

[0161] The embodiment of the present invention discloses a method, device and computer equipment for settling corporate loan interest. The method first obtains the user's account information, target repayment principal amount, target interest accrual date and target interest payment date, and then determines the loan amount, the principal amount to be repaid in the loan amount, the interest calculation characteristic value, the last interest payment date, the current interest payment date corresponding to the loan and the current outstanding interest amount according to the user's account information. The interest calculation period is determined according to the target interest accrual date and the target interest payment date. If the target repayment principal amount is greater than 0, the product of the target repayment principal amount, the interest rate and the interest calculation parameter is used as the early interest payment amount; if the target If the amount of principal to be repaid is 0, the product of the amount of principal to be repaid, the interest rate and the interest calculation parameter will be used as the early interest repayment amount, and the early interest repayment amount will be determined to be included in the current transaction details table and / or the due transaction details table based on the current interest payment date, the current date, the current outstanding interest amount and the early interest payment amount, wherein the target interest accrual date is the date after the last interest payment date, the target interest payment date is the date after the current date, and the target principal repayment amount is greater than or equal to 0. This method allows the user's corporate loan business to make early interest payments, thereby improving the flexibility of corporate loan settlement interest.

[0162] The present application is described above with reference to the block diagrams and / or flow charts showing the methods, devices (systems) and / or computer program products according to the embodiments of the present application. It should be understood that a block of the block diagram and / or flow chart diagram and a combination of blocks of the block diagram and / or flow chart diagram can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, a special-purpose computer and / or other programmable data processing device to produce a machine, so that the instructions executed by the computer processor and / or other programmable data processing device create a method for implementing the functions / actions specified in the block diagram and / or flow chart block.

[0163] Obviously, those skilled in the art can make various changes and modifications to the present invention without departing from the spirit and scope of the present invention. Thus, if these modifications and variations of the present invention fall within the scope of the claims of the present invention and their equivalents, the present invention is also intended to include these modifications and variations.

Claims

1. A method for settling corporate loan interest, characterized in that: The method includes: Obtain the user's account information, target principal repayment amount, target interest accrual date, and target interest payment date; Determine the loan amount, the principal amount to be repaid in the loan amount, the interest calculation characteristic value, and the last interest payment date according to the user's account information; the interest calculation characteristic value includes the interest calculation category and interest rate; The time between the target interest value date and the target interest payment date is taken as the interest calculation period; if the time between the target interest value date and the target interest payment date includes a non-interest calculation period, the time between the target interest value date and the target interest payment date other than the non-interest calculation period is taken as the interest calculation period; wherein the non-interest calculation period is the time corresponding to the repaid interest; If the target principal repayment amount is greater than 0, the product of the target principal repayment amount, the interest rate and the interest calculation parameter is used as the early interest repayment amount; if the target principal repayment amount is 0, the product of the principal to be repaid, the interest rate and the interest calculation parameter is used as the early interest repayment amount; wherein the interest calculation parameter is the ratio of the interest calculation period to the interest calculation category; Among them, the target interest accrual date is the date after the previous interest payment date, and the target interest payment date is the date after the current date; the target principal repayment amount is greater than or equal to 0.

2. The method according to claim 1, characterized in that The method further comprises: Determine the current interest payment date and the current outstanding interest amount corresponding to the loan according to the account information; Based on the current interest payment date, the current date, the current outstanding interest amount and the early interest payment amount, determine whether to include the early interest payment amount in the current transaction details list and / or the due transaction details list.

3. The method according to claim 2, characterized in that The step of determining, based on the current interest payment date, the current date, the current outstanding interest amount and the early interest payment amount, that the early interest payment amount is included in the current transaction details table and / or the due transaction details table includes: If the current interest payment date is the current date, and the early interest payment amount is less than or equal to the current outstanding interest, the early interest payment amount shall be included in the current transaction details table; If the current interest payment date is the current date, and the amount of interest paid in advance is greater than the current outstanding interest, the portion of the amount of interest paid in advance equal to the current outstanding interest shall be included in the current transaction details table, and the portion of the amount of interest paid in advance greater than the current outstanding interest shall be included in the due transaction details table; If the current interest payment date is not the current date, the early interest payment amount will be included in the due transaction details table.

4. A corporate loan interest settlement device, characterized in that: The device comprises: The acquisition module is used to obtain the user's account information, target repayment principal amount, target interest accrual date and target interest settlement date; An information determination module, used to determine the loan amount, the amount of principal to be repaid in the loan amount, the interest calculation characteristic value, and the last interest payment date according to the user's account information; The interest-bearing characteristic value includes the interest-bearing category and the interest rate; A period determination module, configured to take the time between the target interest value date and the target interest payment date as the interest calculation period; If the time between the target interest value date and the target interest payment date includes a non-interest-bearing period, the time between the target interest value date and the target interest payment date other than the non-interest-bearing period shall be used as the interest-bearing period; wherein the non-interest-bearing period is the time corresponding to the repaid interest; An interest determination module, for, if the target principal repayment amount is greater than 0, taking the product of the target principal repayment amount, the interest rate and the interest calculation parameter as the early interest repayment amount; if the target principal repayment amount is 0, taking the product of the principal to be repaid, the interest rate and the interest calculation parameter as the early interest repayment amount; wherein the interest calculation parameter is the ratio of the interest calculation period to the interest calculation category; Among them, the target interest accrual date is the date after the previous interest payment date, and the target interest payment date is the date after the current date; the target principal repayment amount is greater than or equal to 0.

5. The device according to claim 4, characterized in that The information determination module is also used for: Determine the current interest payment date and the current outstanding interest amount corresponding to the loan according to the account information; Based on the current interest payment date, the current date, the current outstanding interest amount and the early interest payment amount, determine whether to include the early interest payment amount in the current transaction details list and / or the due transaction details list.

6. The device according to claim 5, characterized in that The information determination module is specifically used for: If the current interest payment date is the current date, and the early interest payment amount is less than or equal to the current outstanding interest, the early interest payment amount shall be included in the current transaction details table; If the current interest payment date is the current date, and the amount of interest paid in advance is greater than the current outstanding interest, the portion of the amount of interest paid in advance equal to the current outstanding interest shall be included in the current transaction details table, and the portion of the amount of interest paid in advance greater than the current outstanding interest shall be included in the due transaction details table; If the current interest payment date is not the current date, the early interest payment amount will be included in the due transaction details table.

7. A computer device comprising a memory, a processor and a computer program stored in the memory and executable on the processor, characterized in that: When the processor executes the computer program, the method described in any one of claims 1 to 3 is implemented.

8. A computer-readable storage medium, characterized in that: The computer-readable storage medium stores a computer program for executing the method according to any one of claims 1 to 3.

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