Loan review method and device based on corporate bills

Abstract

The embodiment of the present application discloses a loan review method and device based on corporate bills, including: receiving a loan guarantee application submitted by a target enterprise, the loan guarantee application is used to request a loan guarantee; obtaining first bill information of the target enterprise, the first bill information is used to represent relevant information of the target enterprise issuing invoices; determining the rationality result of the target enterprise's bill information based on the first bill information, the rationality result includes reasonable or unreasonable; if the target enterprise's bill information is reasonable, the loan guarantee application is reviewed and approved; if the target enterprise's bill information is unreasonable, the loan guarantee application is reviewed and rejected. The embodiment of the present application determines whether the enterprise has falsified bills by reviewing the rationality of the bill information, thereby more accurately determining the enterprise's loan approval result, improving the accuracy of the loan guarantee business, and reducing its risk.

Description

Technical Field

[0001] The present application relates to the field of big data processing technology, and in particular to a loan review method and device based on corporate bills. Background Art

[0002] With the continuous improvement of my country's economic level and the continuous development of various industries, the financing guarantee industry plays an increasingly important role in supporting financing guarantee business for small and micro enterprises and the "three rural" areas. The digital transformation of financing guarantee institutions has promoted "three increases and one reduction" in the industry: enhanced risk prevention and control capabilities, increased customer coverage, improved service efficiency, and reduced operating costs. It has also made industry institutions fully aware of the inevitability, importance, and urgency of digital transformation. The financing guarantee business must accelerate its digital development. Faced with the ever-increasing scale of business, inadequate IT system development and lack of digital risk control capabilities will directly lead to a lack of risk identification and early warning capabilities, and the continued accumulation of operational risks in institutions. Therefore, financial technology empowerment is the only way for the sustainable development of the financing guarantee industry.

[0003] In addition, for enterprises, bills are important proof of their operating income. For enterprises' loan applications, how to quickly and accurately determine the company's credit limit through bill analysis is an urgent problem to be solved. Summary of the Invention

[0004] The embodiment of the present application provides a loan review method and device based on corporate bills, which determines whether the enterprise has falsified bills by reviewing the rationality of the bill information, and then more accurately determines the loan approval result of the enterprise, improves the accuracy of the loan guarantee business, and reduces its risk.

[0005] In a first aspect, a loan review method based on corporate bills is provided, characterized in that the method includes: receiving a loan guarantee application submitted by a target enterprise, the loan guarantee application is used to request a loan guarantee; obtaining first bill information of the target enterprise, the first bill information is used to represent relevant information of the target enterprise issuing invoices; determining the rationality result of the target enterprise's bill information based on the first bill information, the rationality result includes reasonable or unreasonable; if the target enterprise's bill information is reasonable, the loan guarantee application is reviewed and approved; if the target enterprise's bill information is unreasonable, the loan guarantee application is reviewed and rejected.

[0006] It can be seen that in the embodiment of the present application, by obtaining relevant information of the target enterprise for issuing invoices, the rationality of the relevant information for issuing invoices is determined. This rationality is actually used to judge whether the operating income of the target enterprise is within a reasonable range, and then provide loan guarantees for target enterprises whose operating income is within a reasonable range. This can avoid providing loan guarantees for target enterprises with too little operating income, or target enterprises that conceal their operating income and thus underreport taxes, thereby improving the accuracy of loan amount review and avoiding economic losses caused by inaccurate loan amount review.

[0007] In one possible example, the relevant information for issuing an invoice includes the purpose of issuing the invoice and the amount of the invoice. The rationality of the target enterprise's bill information is determined based on the first bill information, including: if the purpose of issuing the invoice is product sales, the equipment information of the target enterprise is obtained, and the possible amount range of product sales is determined based on the equipment information; if the amount of the invoice corresponding to the product sales falls within the possible amount range of product sales, the target enterprise's bill information is determined to be reasonable; and / or if the purpose of issuing the invoice is service sales, the personnel information of the target enterprise is obtained, and the possible amount range of service sales is determined based on the personnel information; if the amount of the invoice corresponding to the service sales falls within the possible amount range of service sales, the target enterprise's bill information is determined to be reasonable.

[0008] In an embodiment of the present application, the amount of the invoice is compared with the amount range determined according to the production capacity of the target enterprise to determine the sales situation of the target enterprise. Assuming that the amount of the invoice is not within the range of the possible amount generated by the production capacity, it means that the target enterprise may not have issued the invoice in good faith, or the sales situation is very poor (the amount of the invoice is less than the range of the possible amount generated by the production capacity). In this case, it is determined that the bill information of the target enterprise is unreasonable and the loan guarantee application is rejected by the review, which can improve the security and reliability of the loan guarantee process and reduce the losses of the loan guarantee agency.

[0009] In one possible example, the method also includes: obtaining second bill information of the target enterprise, the second bill information being used to characterize relevant information of the target enterprise obtaining invoices; determining the rationality result of the target enterprise's bill information based on the first bill information, including: determining the rationality result of the target enterprise's bill information based on the degree of correlation between the first bill information and the second bill information.

[0010] In one possible example, the second bill information includes the amount of the invoice obtained and the purpose of obtaining the invoice, and the rationality result of the target enterprise's bill information is determined based on the degree of correlation between the first bill information and the second bill information, including: determining the degree of functional correlation between the first bill information and the second bill information of the target enterprise within a first preset time period based on the purpose of obtaining the invoice and the purpose of issuing the invoice, and the functional correlation degree includes general correlation and strong correlation; determining the degree of amount correlation between the first bill information and the second bill information of the target enterprise within the first preset time period based on the amount of the invoice obtained and the amount of the invoice issued, and the amount correlation degree includes reasonable correlation and unreasonable correlation; determining the rationality result of the target enterprise's bill information based on the combined result of the functional correlation degree and the amount correlation degree.

[0011] In one possible example, the rationality of the target enterprise's bill information is determined based on the combined result of the functional correlation degree and the amount correlation degree, including: if the combined result of the functional correlation degree and the amount correlation degree is a first combination, it is determined that the target enterprise's bill information is unreasonable, and the first combination means that the functional correlation degree is a general correlation and the amount correlation degree is an unreasonable correlation; if the combined result of the functional correlation degree and the amount correlation degree is a second combination, it is determined that the target enterprise's bill information is reasonable, and the second combination means that the functional correlation degree is a strong correlation and the amount correlation degree is a reasonable correlation; if the combined result of the functional correlation degree and the amount correlation degree is a third combination, it is determined that within a second preset time period, the first bill information and The combination result of the amount correlation degree of the second bill information, if the combination result within the second preset time period is the first combination or the second combination, the rationality result of the bill information within the first preset time period is determined according to the combination result within the second preset time period; if the combination result within the first preset time period is the third combination, the bill information within the first preset time period is determined to be reasonable, and the rationality result of the bill information is marked. When the number of marks is greater than the first preset number, the rationality result of the bill information corresponding to the third combination is determined to be unreasonable bill information, wherein the third combination is that the functional correlation degree is general correlation and the amount correlation degree is reasonable correlation, or the functional correlation degree is strong correlation and the amount correlation degree is unreasonable correlation.

[0012] In an embodiment of the present application, the degree of functional correlation is determined based on the purpose of issuing invoices and the purpose of obtaining invoices by the target enterprise, and the degree of amount correlation is determined based on the amount of the invoice issued and the purpose of obtaining the invoice. Then, the rationality of the target enterprise's bill information is finally determined based on the combined result of the degree of functional correlation and the degree of amount correlation. In this process, the correlation between the target enterprise's business items and cost items, as well as the correlation between the business amount and the cost amount, are taken into account at the same time, eliminating the impact of false revenue and false cost expenditure on loan guarantees, and at the same time being able to determine the integrity or management capabilities of the target enterprise, thereby improving the accuracy and reliability of the rationality of the target enterprise's bill information, thereby reducing the risk of loan guarantees.

[0013] In one possible example, after the loan guarantee application is reviewed and approved, the method also includes: obtaining the tax amount of the target enterprise; determining the taxable amount of the target enterprise based on the first bill information; determining the difference between the taxable amount and the taxable amount of the target enterprise; if the difference between the taxable amount and the taxable amount of the target enterprise is less than a preset threshold, providing the target enterprise with a first amount of loan guarantee amount; if the difference between the taxable amount and the taxable amount of the target enterprise is greater than or equal to the preset threshold, providing the target enterprise with a second amount of loan guarantee amount, and the second amount of loan guarantee amount is higher than the first amount of loan guarantee amount.

[0014] In a second aspect, a loan review device is provided, comprising:

[0015] A receiving unit, configured to receive a loan guarantee application submitted by a target enterprise, wherein the loan guarantee application is used to request a loan guarantee;

[0016] An acquiring unit, configured to acquire first bill information of a target enterprise, where the first bill information is used to represent relevant information related to invoices issued by the target enterprise;

[0017] A determination unit, configured to determine a rationality result of the bill information of the target enterprise based on the first bill information, where the rationality result includes reasonable or unreasonable;

[0018] If the target enterprise's bill information is reasonable, the loan guarantee application will be reviewed and approved;

[0019] If the target enterprise's bill information is unreasonable, the loan guarantee application will be rejected.

[0020] In a third aspect, an electronic device is provided, comprising:

[0021] The processor, memory, and communication interface are interconnected and perform communication tasks between them.

[0022] The memory stores executable program code, and the communication interface is used for wireless communication;

[0023] The processor is used to call the executable program code stored in the memory and execute some or all of the steps described in any method of the first aspect of the embodiment of the present application.

[0024] In a fourth aspect, an electronic device is provided, which includes a processor, a memory, and a communication interface. The processor, the memory, and the communication interface are interconnected and perform communication with each other; the memory stores executable program code, and the communication interface is used for wireless communication; the processor is used to call the executable program code stored in the memory to execute, for example, some or all of the steps described in any method of the first aspect.

[0025] In a fifth aspect, embodiments of the present application provide a computer program product, wherein the computer program product includes a computer program operable to cause a computer to perform some or all of the steps described in any method of the first aspect of the embodiments of the present application. The computer program product may be a software installation package.

[0026] In a sixth aspect, an embodiment of the present application provides a loan amount review system, which includes the electronic device described in the third aspect and may also include other devices for interacting with the electronic device. BRIEF DESCRIPTION OF THE DRAWINGS

[0027] In order to more clearly illustrate the embodiments of the present application or the technical solutions in the prior art, the following briefly introduces the drawings required for use in the embodiments or the description of the prior art. Obviously, the drawings described below are only some embodiments of the present application. For ordinary technicians in this field, other drawings can be obtained based on these drawings without any creative work.

[0028] Figure 1 A schematic diagram of a loan review system provided in an embodiment of the present application;

[0029] Figure 2 A flow chart of a loan review method based on corporate bills provided in an embodiment of the present application;

[0030] Figure 3 A schematic diagram of the process of submitting a loan guarantee application provided in an embodiment of the present application;

[0031] Figure 4 A schematic diagram of an invoice provided in an embodiment of the present application;

[0032] Figure 5 This is a schematic diagram of the structure of a loan review device provided in an embodiment of the present application;

[0033] Figure 6It is a structural diagram of an electronic device provided in an embodiment of the present application. DETAILED DESCRIPTION

[0034] In order to enable those skilled in the art to better understand the present invention, the following will clearly and completely describe the technical solutions in the embodiments of the present invention in conjunction with the accompanying drawings. Obviously, the described embodiments are only part of the embodiments of the present invention, not all of 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 this application.

[0035] The terms "first," "second," and so on, in the specification and claims of this application and the accompanying drawings are used to distinguish between different objects, not to describe a specific order. Furthermore, the terms "including," "having," and any variations thereof, are intended to cover non-exclusive inclusions. For example, a process, method, system, product, or apparatus comprising a series of steps is not limited to the listed steps but may optionally include steps not listed, or may optionally include other steps inherent to the process, method, product, or apparatus.

[0036] References herein to "embodiments" mean that a particular feature, structure, or characteristic described in connection with the embodiments may be included in at least one embodiment of the present application. The appearance of this phrase in various places in the specification does not necessarily refer to the same embodiment, nor does it constitute an independent or alternative embodiment that is mutually exclusive of other embodiments. It is understood, both explicitly and implicitly, by those skilled in the art that the embodiments described herein may be combined with other embodiments.

[0037] First, see Figure 1 , Figure 1 A schematic diagram of a loan review system provided in an embodiment of the present application is shown in FIG. Figure 1 As shown, the system includes a loan guarantee server, one or more enterprise user devices, and one or more bank institution servers. The enterprise user devices are used to initiate loan applications to the loan guarantee server. The enterprise user devices and the loan guarantee server are connected via a loan review application (APP) installed on the enterprise user devices. Specifically, the loan review APP is installed on the enterprise user devices and provides an application programming interface (API) for enterprise user operations. The loan review APP is also connected to the loan guarantee server. Furthermore, the loan guarantee server and the bank institution server are connected via a network. Differences in communication protocols, data formats, languages, or even architectures may exist between the two servers, leading to the possibility of a gateway between them.

[0038] The operation process of the above-mentioned loan review system is specifically as follows: the enterprise user device initiates a loan application to the loan guarantee server, the loan guarantee server reviews and determines the loan amount that can be provided to the enterprise user, the loan guarantee server sends the loan amount to the bank institution server, the bank institution server approves the loan amount and issues the amount corresponding to the loan amount to the enterprise user.

[0039] Specifically, see Figure 2 , Figure 2 A flowchart of a loan review method based on corporate bills provided in an embodiment of the present application is applied to the loan guarantee server in the above-mentioned loan review system. Specifically, the method includes the following steps:

[0040] 101. Receive the loan guarantee application submitted by the target enterprise, which is used to request loan guarantee.

[0041] According to the description above, the target enterprise first sends a loan guarantee application to the loan guarantee server to request a loan guarantee. In the process of obtaining the loan guarantee, the loan guarantee server can also verify the legality of the identity of the target enterprise, for example, confirming the legality of the enterprise based on the enterprise tax number, enterprise business qualifications, legal representative information, etc. Under normal circumstances, the types of loans taken by the target enterprise may include: credit loans, secured loans, bill discounts, etc. Among them, secured loans are the types of loans provided in the application embodiment, which can be specifically divided into: guaranteed loans, mortgage loans, pledged loans, etc. The embodiment of this application provides a loan guarantee business based on corporate bills, which belongs to a guaranteed loan, that is, the loan guarantee server determines the reliability of the enterprise based on the analysis of the enterprise's bill information and provides a guarantee for the enterprise.

[0042] In addition to the information used to indicate the loan guarantee being requested, the loan guarantee application sent may also include the specific amount of the loan guarantee being requested. For details, please refer to Figure 3 , Figure 3 A schematic diagram of the process of submitting a loan guarantee application is provided in an embodiment of the present application, such as Figure 3 As shown, one can select one from several loan guarantee projects provided by the loan guarantee server, which can simultaneously ensure that the user requests a loan guarantee and the requested loan guarantee amount.

[0043] 102. Obtain first bill information of the target enterprise, where the first bill information is used to represent relevant information of invoices issued by the target enterprise.

[0044] After receiving the loan guarantee application submitted by the target enterprise, the target enterprise's first bill information, specifically information related to the invoice issued by the target enterprise, is obtained. This first bill information can be submitted to the loan guarantee server by the target enterprise at the same time as submitting the loan guarantee application, or the loan guarantee server can obtain it from other sources, such as the tax bureau or a third-party agency.

[0045] The invoice issued by the target enterprise means that the seller is the target enterprise and the buyer is another enterprise. Figure 4 , Figure 4 A schematic diagram of an invoice provided in an embodiment of the present application, such as Figure 4 As shown, the face of an invoice includes both buyer and seller information. The seller information is similar to the buyer information, including the target company's name, taxpayer identification number, address, and contact information. In addition, the invoice also includes the purpose of the invoice, indicating whether the invoice represents goods, labor, or services.

[0046] 103. Determine the rationality of the target enterprise's bill information based on the first bill information, where the rationality includes reasonable or unreasonable.

[0047] 104. If the target enterprise’s bill information is reasonable, the loan guarantee application will be reviewed and approved; if the target enterprise’s bill information is unreasonable, the loan guarantee application will be reviewed and rejected.

[0048] Based on the first bill information, the rationality of the target enterprise's bill information is determined, including the authenticity of the invoice, the security of the invoice issuer, the compatibility of the invoice with the enterprise's business scale and operating income, and the rationality of the ratio of revenue invoices to cost invoices. Reviewing the rationality of the target enterprise's invoices is essentially to determine whether the target enterprise has a series of problems such as false invoicing, missing invoices, and poor management, and then to determine the target enterprise's credibility and operating capabilities, so as to accurately determine whether a loan guarantee can be provided to the target enterprise.

[0049] Optionally, the relevant information for issuing an invoice includes the purpose of issuing the invoice and the amount of the invoice. The rationality of the target enterprise's bill information is determined based on the first bill information, including: if the purpose of issuing the invoice is product sales, the equipment information of the target enterprise is obtained, and the possible amount range of product sales is determined based on the equipment information; if the amount of the invoice corresponding to the product sales falls within the possible amount range of product sales, the target enterprise's bill information is determined to be reasonable; and / or if the purpose of issuing the invoice is service sales, the personnel information of the target enterprise is obtained, and the possible amount range of service sales is determined based on the personnel information; if the amount of the invoice corresponding to the service sales falls within the possible amount range of service sales, the target enterprise's bill information is determined to be reasonable.

[0050] According to the above description and Figure 4 As shown, the face information on the invoice includes the invoice origin information, and the corresponding face item is "the sales item is goods, labor or services". Specifically, assuming that the face information corresponding to this item is: transportation services, it means that the purpose of the invoice is to issue an invoice for taxable services. In addition, the face information also includes the amount of the invoice, which corresponds to Figure 4 The above is the "Total Price and Tax" item. Assume the specific parameter for this item is 130 yuan, indicating that the transaction fee for this taxi service is 130 yuan. This 130 yuan is the fee paid by the service consumer to the service provider, which includes the value of the service and the tax.

[0051] If the invoice is issued for product sales, that is, "the item sold is goods, labor, or services," the specific item corresponding to the item is product sales, such as "beverage sales," "book sales," or "computer sales." Product sales are typically closely related to production equipment. Therefore, obtaining the target company's equipment information can determine its production capacity and, therefore, the possible range of product sales. For example, a company typically has 10 garment cutting machines with a monthly production capacity of 20,000 to 30,000 pieces of clothing. The possible range of product sales is 200,000 to 500,000 yuan per month. If the target company's product decimals correspond to an invoice amount of 250,000 yuan, the invoice amount corresponding to the product sales falls within the possible range, and the target company's invoice information is considered reasonable. Conversely, if the invoice amount corresponding to the product sales does not fall within the possible range, the target company's invoice information is considered unreasonable.

[0052] Alternatively, when the purpose of issuing an invoice is service sales, that is to say, the specific item corresponding to "the sale of goods, labor or services" is service sales, such as "transportation services", "network services", "education and training services", etc. Usually, the generation of services is closely related to human resources. For example, "transportation services" require a corresponding number of drivers to provide the corresponding number of services. Therefore, the personnel information of the target enterprise can be obtained, which may specifically include personnel positions, number of personnel, length of personnel service, etc., and then the possible amount range of the target enterprise's service sales can be calculated. Assuming that the amount of the target enterprise's invoice falls within the possible amount range of service sales, it can be determined that the target enterprise's bill information is reasonable. Otherwise, it can be determined that the target enterprise's bill information is unreasonable.

[0053] In some cases, the target enterprise can provide both product sales and service sales. In this case, the rationality of the target enterprise's bill information can be determined based on the rationality of the bill information corresponding to these two types of sales. Specifically, the target enterprise's bill information can be determined to be reasonable when the bill information corresponding to these two types of sales is reasonable.

[0054] Where possible, the method also includes: if the amount of the invoice corresponding to the product sales does not fall within the possible amount range of the product sales, and the amount of the invoice corresponding to the product sales is greater than the possible amount range of the product sales, then determining the cooperative enterprise corresponding to the target enterprise, obtaining the equipment information of the cooperative enterprise, and determining the additional sales amount that may be generated by the cooperative enterprise based on the equipment information of the cooperative enterprise; determining a new possible amount range for the product sales based on the possible amount range of the product sales and the additional sales amount; if the amount of the invoice corresponding to the product sales is less than the new possible amount range of the product sales, then determining that the bill information of the target enterprise is reasonable.

[0055] In some cases, the target company produces its own products as well as through collaboration with other companies. For example, a shoe company may produce some of its flagship products in-house while outsourcing the remaining products to contract manufacturers. Estimating the possible sales range of the company's products based solely on the company's own equipment can lead to biased results. To account for this, the production capacity of the target company's partner companies can be obtained and used to jointly calculate the new possible sales range for the target company's products. In this case, the invoiced amount corresponding to the target company's product sales can be less than the new possible sales range for the product, as the partner companies may also be partners with other companies. However, the invoiced amount cannot be greater than the new possible sales range for the product. In other words, if the invoiced amount corresponding to the product sales is greater than or equal to the new possible sales range for the product, the target company's bill information is determined to be unreasonable.

[0056] It can be seen that in the embodiment of the present application, the amount of the invoice is compared with the amount range determined according to the production capacity of the target enterprise to determine the sales situation of the target enterprise. Assuming that the amount of the invoice is not within the range of the possible amount generated by the production capacity, it means that the target enterprise may not have issued the invoice in good faith, or the sales situation is very poor (the amount of the invoice is less than the range of the possible amount generated by the production capacity). In this case, it is determined that the bill information of the target enterprise is unreasonable and the loan guarantee application is not approved by the review, which can improve the security and reliability of the loan guarantee process and reduce the losses of the loan guarantee agency.

[0057] If possible, the method also includes: obtaining second bill information of the target enterprise, the second bill information is used to represent relevant information of the target enterprise obtaining invoices; determining the rationality result of the target enterprise's bill information based on the first bill information, including: determining the rationality result of the target enterprise's bill information based on the degree of correlation between the first bill information and the second bill information.

[0058] According to the above description, in addition to generating invoices when a company generates operating income as a seller, it can also generate invoices when it generates business costs as a buyer. In this case, these invoices are called target company's acquired invoices (target company's acquired invoices).

[0059] Therefore, the rationality of the target enterprise's bill information can also be determined based on the target enterprise's first bill information (relevant information on the enterprise issuing invoices) combined with the second bill information (relevant information on the enterprise obtaining invoices).

[0060] Optionally, the second bill information includes the amount of the invoice obtained and the purpose of obtaining the invoice, and the rationality result of the target enterprise's bill information is determined based on the degree of correlation between the first bill information and the second bill information, including: determining the degree of functional correlation between the first bill information and the second bill information of the target enterprise within the first preset time period based on the purpose of obtaining the invoice and the purpose of issuing the invoice, and the functional correlation degree includes general correlation and strong correlation; determining the degree of amount correlation between the first bill information and the second bill information of the target enterprise within the first preset time period based on the amount of the invoice obtained and the amount of the invoice issued, and the amount correlation degree includes reasonable correlation and unreasonable correlation; determining the rationality result of the target enterprise's bill information based on the combined result of the functional correlation degree and the amount correlation degree.

[0061] Specifically, the target enterprise's invoice also includes the invoice amount and invoice purpose, representing the target enterprise's costs and the purpose of the expenditure. For example, a clothing company needs to purchase fabric, so the invoice purpose on its corresponding invoice may be "Fabric Sales." The functional correlation between the target enterprise's first invoice information and the second invoice information within a first preset time period is determined based on the purpose of the invoice and the purpose of the invoice. The corresponding correlation method may include a mapping table. If the purpose of the target enterprise's invoice issuance and the purpose of the invoice correspond to each other in the mapping table, the correlation is determined to be strong; otherwise, it is considered to be moderate. If the proportion of strongly correlated invoices within the first preset time period exceeds a preset proportion, the functional correlation between the first invoice information and the second invoice information within the first preset time period is considered to be strong, satisfying the rationality of the invoice information's purpose; otherwise, it is considered to be moderate. Alternatively, the functional correlation between the first invoice information and the second invoice information can be obtained through model training, by inputting the purpose of the invoice and the purpose of the invoice into the model to determine the functional correlation between the two. The first preset time period can be one month, six months, or one year, etc.

[0062] The degree of correlation between the amounts of the first and second bill information can be determined by the ratio between them. For example, if the amount of the invoice issued corresponding to the first bill information is R1, and the amount of the invoice received corresponding to the second bill information is R2, when R2 / R1 = P1 > a first preset ratio, it indicates that the target enterprise's cost price recorded on the invoice exceeds the normal cost price. The target enterprise may be operating poorly or issuing false invoices to evade taxes, and the degree of correlation can be determined to be unreasonable. Conversely, when P1 ≤ the first preset ratio, the degree of correlation can be determined to be reasonable, satisfying the rationality of the bill information amount.

[0063] Then, the rationality of the target enterprise's bill information is determined based on the combined results of the functional correlation degree and the amount correlation degree. For example, if both correlation degrees meet the rationality requirements, the target enterprise's bill information is determined to be rational, or if only one correlation degree meets the rationality requirements, the target enterprise's bill information is determined to be rational.

[0064] Optionally, the rationality result of the target enterprise's bill information is determined based on the combined result of the functional correlation degree and the amount correlation degree, including: if the combined result of the functional correlation degree and the amount correlation degree is a first combination, it is determined that the target enterprise's bill information is unreasonable, and the first combination means that the functional correlation degree is a general correlation and the amount correlation degree is an unreasonable correlation; if the combined result of the functional correlation degree and the amount correlation degree is a second combination, it is determined that the target enterprise's bill information is reasonable, and the second combination means that the functional correlation degree is a strong correlation and the amount correlation degree is a reasonable correlation; if the combined result of the functional correlation degree and the amount correlation degree is a third combination, it is determined that within the second preset time period, the first bill information and the second bill information of the target enterprise are reasonable. According to the combination result of the amount correlation degree of the information, if the combination result within the second preset time period is the first combination or the second combination, the rationality result of the bill information within the first preset time period is determined according to the combination result within the second preset time period; if the combination result within the first preset time period is the third combination, the bill information within the first preset time period is determined to be reasonable, and the rationality result of the bill information is marked. When the number of marks is greater than the first preset number, the rationality result of the bill information corresponding to the third combination is determined to be unreasonable bill information, wherein the third combination is that the functional correlation degree is general correlation and the amount correlation degree is reasonable correlation, or the functional correlation degree is strong correlation and the amount correlation degree is unreasonable correlation.

[0065] Specifically, the combination results of the functional correlation degree and the amount correlation degree may be as shown in Table 1, including the following:

[0066] Table 1

[0067]

[0068] Specifically, as shown in Table 1, the rationality of the target enterprise's bill information within the first preset time period is determined based on the combined results of the functional correlation degree and the amount correlation degree. If the combined result is the first result, it indicates that the target enterprise's bill information meets both the rationality requirements for purpose and the rationality requirements for amount, and the target enterprise's bill information can be determined to be rational. Conversely, if the combined result is the second result, it indicates that the target enterprise's bill information does not meet both the rationality requirements for purpose and amount, and the target enterprise's bill information can be determined to be unreasonable.

[0069] For the third combination, only one of the target enterprise's bill information, in terms of purpose or amount, meets the rationality requirement, so further judgment is required. For example, the target enterprise's bill information within a second preset time period can be obtained, and the combined results of the functional correlation degree and the amount correlation degree within that time period can be determined. If the combined results within the second preset time period can determine the rationality of the bill information, it means that the first preset time period may be a special time period that is insufficient to obtain a rationality result. Therefore, the rationality result of the second preset time period is used to determine the rationality of the target enterprise's bill information. In this case, the combined results within the second preset time period can be a comprehensive combination of multiple preset time periods, which can improve the reliability of the rationality result of the bill information.

[0070] If the combination within the second preset time period also fails to determine the rationality of the bill information, that is, the correlation degree combination results within the second preset time period (or multiple preset time periods) are all the third combination, then the rationality of the bill information within the first preset time period can be determined to be reasonable, and then this rationality result of the bill information can be marked. When the rationality results of the bill information of the target enterprise in the third preset time period, the fourth preset time period, and so on, are obtained, if the third combination is still encountered, the rationality result of the bill information in this time period can be marked as unreasonable. Finally, the final rationality result of the bill information of the target enterprise is unreasonable.

[0071] It can be seen that in the embodiment of the present application, the degree of functional correlation is determined according to the purpose of issuing invoices and the purpose of obtaining invoices by the target enterprise, and the degree of amount correlation is determined according to the amount of issuing invoices and the purpose of obtaining invoices. Then, the rationality of the target enterprise's bill information is finally determined based on the combined result of the degree of functional correlation and the degree of amount correlation. In this process, the correlation between the target enterprise's business items and cost items, as well as the correlation between the business amount and the cost amount, are taken into account at the same time, eliminating the impact of false revenue and false cost expenditure on loan guarantees, and at the same time being able to determine the integrity or management capabilities of the target enterprise, thereby improving the accuracy and reliability of the rationality of the target enterprise's bill information, thereby reducing the risk of loan guarantees.

[0072] Optionally, after the loan guarantee application is reviewed and approved, the method also includes: obtaining the tax amount of the target enterprise; determining the taxable amount of the target enterprise based on the first bill information; determining the difference between the taxable amount and the taxable amount of the target enterprise; if the difference between the taxable amount and the taxable amount of the target enterprise is less than a preset threshold, providing the target enterprise with a first amount of loan guarantee amount; if the difference between the taxable amount and the taxable amount of the target enterprise is greater than or equal to the preset threshold, providing the target enterprise with a second amount of loan guarantee amount, and the second amount of loan guarantee amount is higher than the first amount of loan guarantee amount.

[0073] Specifically, after determining that the loan guarantee application of the target enterprise has been approved, the loan guarantee amount provided to the target user can be further determined. In the embodiment of the present application, the process of determining the loan guarantee amount can be associated with the tax amount of the target user. Obtaining the tax amount of the target enterprise includes inputting the enterprise number or enterprise tax number provided by the target enterprise, obtaining it from the tax bureau, or the target enterprise proactively providing the tax amount, or obtaining the tax amount of the target enterprise from other third-party agencies. Then, based on the invoice information issued by the target enterprise (first bill information), its tax payable is determined. This value can be calculated based on (operating income - cost expenditure) * tax amount. The cost expenditure can be determined by the second bill information, or provided by the target enterprise, or determined by the ratio between industry revenue and cost under normal circumstances. Then, the difference between the tax payable and the tax amount is calculated. If the difference is less than a preset threshold, it means that the target enterprise is paying taxes normally, and a loan guarantee amount of the first amount can be provided to the target enterprise. The loan guarantee amount can be submitted by the target enterprise proactively or provided spontaneously by the target enterprise after the audit of the target enterprise. If the difference between the tax payable and the taxable amount is greater than or equal to the preset threshold, since it has been determined that the target enterprise is an enterprise with reasonable bills and is likely to pay taxes in accordance with the law, then the reason for the large difference between the tax payable and the taxable amount (the actual taxable amount of the target enterprise) may be that the target enterprise is an officially funded project or an encouraged industry and there are some tax exemptions. In this case, the loan guarantee agency can provide the target enterprise with more loan guarantee amounts, that is, provide the target enterprise with a second loan guarantee amount, and the second amount is higher than the first amount.

[0074] In this process, loan guarantee agencies not only consider reducing their own risks, but also consider providing more loan guarantees to officially supported enterprises, which can increase the possibility of target enterprises realizing social value.

[0075] It can be seen that in the embodiment of the present application, by obtaining relevant information of the target enterprise for issuing invoices, the rationality of the relevant information for issuing invoices is determined. This rationality is actually used to judge whether the operating income of the target enterprise is within a reasonable range, and then provide loan guarantees for target enterprises whose operating income is within a reasonable range. This can avoid providing loan guarantees for target enterprises with too little operating income, or target enterprises that conceal their operating income and thus underreport taxes, thereby improving the accuracy of loan amount review and avoiding economic losses caused by inaccurate loan amount review.

[0076] With the above Figures 1 to 4 For the corresponding embodiments, please refer to Figure 5 , Figure 5 Schematic diagram of a loan review device 500 provided in an embodiment of the present application. Figure 5 shown, including:

[0077] The receiving unit 501 is configured to receive a loan guarantee application submitted by a target enterprise, where the loan guarantee application is used to request a loan guarantee;

[0078] An acquiring unit 502 is configured to acquire first bill information of a target enterprise, where the first bill information is used to represent relevant information related to invoices issued by the target enterprise;

[0079] A determination unit 503 is configured to determine a rationality result of the bill information of the target enterprise based on the first bill information, where the rationality result includes reasonable or unreasonable;

[0080] If the target enterprise's bill information is reasonable, the loan guarantee application will be reviewed and approved;

[0081] If the target enterprise's bill information is unreasonable, the loan guarantee application will be rejected.

[0082] It can be seen that the device described in the embodiment of the present application determines the rationality of the relevant information of the invoice issuance by obtaining the relevant information of the target enterprise. The rationality is actually used to judge whether the operating income of the target enterprise is within a reasonable range, and then provide loan guarantees for the target enterprise whose operating income is within a reasonable range. This can avoid providing loan guarantees for target enterprises with too little operating income, or target enterprises that conceal their operating income and thus underreport taxes, thereby improving the accuracy of loan amount review and avoiding economic losses caused by inaccurate loan amount review.

[0083] In a possible example, the relevant information for issuing an invoice includes the purpose of issuing the invoice and the amount of the invoice. The determining unit 503 is specifically configured to:

[0084] If the purpose of issuing the invoice is product sales, the target enterprise's equipment information is obtained, and the possible amount range of product sales is determined based on the equipment information; if the amount of the invoice corresponding to the product sales falls within the possible amount range of product sales, the target enterprise's bill information is determined to be reasonable; and / or if the purpose of issuing the invoice is service sales, the target enterprise's personnel information is obtained, and the possible amount range of service sales is determined based on the personnel information; if the amount of the invoice corresponding to the service sales falls within the possible amount range of service sales, the target enterprise's bill information is determined to be reasonable.

[0085] In a possible example, the acquisition unit 502 is also used to: obtain the second bill information of the target enterprise, and the second bill information is used to represent the relevant information of the target enterprise obtaining the invoice; the determination unit 503 is specifically used to: determine the rationality result of the bill information of the target enterprise based on the degree of correlation between the first bill information and the second bill information.

[0086] In one possible example, the second bill information includes the amount of the invoice obtained and the purpose of obtaining the invoice, and the rationality result of the target enterprise's bill information is determined based on the degree of correlation between the first bill information and the second bill information, including: determining the degree of functional correlation between the first bill information and the second bill information of the target enterprise within a first preset time period based on the purpose of obtaining the invoice and the purpose of issuing the invoice, and the functional correlation degree includes general correlation and strong correlation; determining the degree of amount correlation between the first bill information and the second bill information of the target enterprise within the first preset time period based on the amount of the invoice obtained and the amount of the invoice issued, and the amount correlation degree includes reasonable correlation and unreasonable correlation; determining the rationality result of the target enterprise's bill information based on the combined result of the functional correlation degree and the amount correlation degree.

[0087] In one possible example, the rationality of the target enterprise's bill information is determined based on the combined result of the functional correlation degree and the amount correlation degree, including: if the combined result of the functional correlation degree and the amount correlation degree is a first combination, it is determined that the target enterprise's bill information is unreasonable, and the first combination means that the functional correlation degree is a general correlation and the amount correlation degree is an unreasonable correlation; if the combined result of the functional correlation degree and the amount correlation degree is a second combination, it is determined that the target enterprise's bill information is reasonable, and the second combination means that the functional correlation degree is a strong correlation and the amount correlation degree is a reasonable correlation; if the combined result of the functional correlation degree and the amount correlation degree is a third combination, it is determined that within a second preset time period, the first bill information and The combination result of the amount correlation degree of the second bill information, if the combination result within the second preset time period is the first combination or the second combination, the rationality result of the bill information within the first preset time period is determined according to the combination result within the second preset time period; if the combination result within the first preset time period is the third combination, the bill information within the first preset time period is determined to be reasonable, and the rationality result of the bill information is marked. When the number of marks is greater than the first preset number, the rationality result of the bill information corresponding to the third combination is determined to be unreasonable bill information, wherein the third combination is that the functional correlation degree is general correlation and the amount correlation degree is reasonable correlation, or the functional correlation degree is strong correlation and the amount correlation degree is unreasonable correlation.

[0088] In one possible example, the device 500 also includes an audit unit 504, which is used to: after reviewing and approving the loan guarantee application: obtain the tax amount of the target enterprise; determine the taxable amount of the target enterprise based on the first bill information; determine the difference between the taxable amount and the taxable amount of the target enterprise; if the difference between the taxable amount and the taxable amount of the target enterprise is less than a preset threshold, provide the target enterprise with a first amount of loan guarantee amount; if the difference between the taxable amount and the taxable amount of the target enterprise is greater than or equal to the preset threshold, provide the target enterprise with a second amount of loan guarantee amount, and the second amount of loan guarantee amount is higher than the first amount of loan guarantee amount.

[0089] Specifically, the embodiment of the present application can divide the data acquisition device into functional units according to the above method example. For example, each functional unit can be divided according to each function, or two or more functions can be integrated into one processing unit. The above-mentioned integrated unit can be implemented in the form of hardware or in the form of software functional units. It should be noted that the division of units in the embodiment of the present application is schematic and is only a logical functional division. In actual implementation, there may be other division methods.

[0090] With the above Figures 1 to 4 For the corresponding embodiments, please refer to Figure 6 , Figure 6is a structural diagram of an electronic device 600 provided in an embodiment of the present application, such as Figure 6 As shown: the device includes a processor, a memory, and a communication interface, and the processor, the memory, and the communication interface are interconnected and complete communication work between each other;

[0091] The memory stores executable program code, and the communication interface is used for wireless communication;

[0092] The processor is used to retrieve the executable program code stored in the memory and execute part or all of the steps of any data acquisition method recorded in the above method embodiments. The above computer includes an electronic terminal device.

[0093] The memory may be a volatile memory such as a dynamic random access memory (DRAM) or a non-volatile memory such as a mechanical hard disk. The memory is used to store a set of executable program codes, and the processor is used to call the executable program codes stored in the memory and perform the following operations:

[0094] Receive a loan guarantee application submitted by the target enterprise, where the loan guarantee application is used to request a loan guarantee; obtain the first bill information of the target enterprise, where the first bill information is used to represent relevant information about invoices issued by the target enterprise; determine the rationality of the target enterprise's bill information based on the first bill information, where the rationality result includes reasonable or unreasonable; if the target enterprise's bill information is reasonable, the loan guarantee application is reviewed and approved; if the target enterprise's bill information is unreasonable, the loan guarantee application is reviewed and rejected.

[0095] In one possible example, the relevant information for issuing an invoice includes the purpose of issuing the invoice and the amount of the invoice. The above-mentioned memory is used to store a set of executable program codes, and the above-mentioned processor is used to call the executable program code stored in the memory, and is used to: if the purpose of issuing the invoice is product sales, obtain the equipment information of the target enterprise, and determine the possible amount range of product sales based on the equipment information; if the amount of the invoice corresponding to the product sales falls within the possible amount range of product sales, determine that the target enterprise's bill information is reasonable; and / or if the purpose of issuing the invoice is service sales, obtain the personnel information of the target enterprise, and determine the possible amount range of service sales based on the personnel information; if the amount of the invoice corresponding to the service sales falls within the possible amount range of service sales, determine that the target enterprise's bill information is reasonable.

[0096] In one possible example, the memory is used to store a set of executable program codes, and the processor is used to call the executable program codes stored in the memory, and is used to: obtain the second bill information of the target enterprise, the second bill information is used to represent the relevant information of the target enterprise obtaining the invoice; determine the rationality result of the target enterprise's bill information based on the first bill information, including: determining the rationality result of the target enterprise's bill information based on the degree of correlation between the first bill information and the second bill information.

[0097] In one possible example, the second bill information includes the amount of the invoice obtained and the purpose of obtaining the invoice. The above-mentioned memory is used to store a set of executable program codes, and the above-mentioned processor is used to call the executable program code stored in the memory, which is used to: determine the functional correlation between the first bill information and the second bill information of the target enterprise within the first preset time period based on the purpose of obtaining the invoice and the purpose of issuing the invoice, and the functional correlation degree includes general correlation and strong correlation; determine the amount correlation between the first bill information and the second bill information of the target enterprise within the first preset time period based on the amount of the invoice obtained and the amount of the invoice issued, and the amount correlation degree includes reasonable correlation and unreasonable correlation; determine the rationality result of the bill information of the target enterprise based on the combined result of the functional correlation degree and the amount correlation degree.

[0098] In one possible example, the memory is used to store a set of executable program codes, and the processor is used to call the executable program codes stored in the memory, and is used to: if the combination result of the functional correlation degree and the amount correlation degree is a first combination, determine that the bill information of the target enterprise is unreasonable, and the first combination is that the functional correlation degree is a general correlation, and the amount correlation degree is an unreasonable correlation; if the combination result of the functional correlation degree and the amount correlation degree is a second combination, determine that the bill information of the target enterprise is reasonable, and the second combination is that the functional correlation degree is a strong correlation, and the amount correlation degree is a reasonable correlation; if the combination result of the functional correlation degree and the amount correlation degree is a third combination, determine that within a second preset time period, the first bill of the target enterprise The combination result of the degree of correlation between the bill information and the amount of the second bill information, if the combination result within the second preset time period is the first combination or the second combination, the rationality result of the bill information within the first preset time period is determined according to the combination result within the second preset time period; if the combination result within the first preset time period is the third combination, the bill information within the first preset time period is determined to be reasonable, and the rationality result of the bill information is marked. When the number of marks is greater than the first preset number, the rationality result of the bill information corresponding to the third combination is determined to be unreasonable bill information, wherein the third combination is that the degree of functional correlation is general correlation and the degree of amount correlation is reasonable correlation, or the degree of functional correlation is strong correlation and the degree of amount correlation is unreasonable correlation.

[0099] In one possible example, the memory is used to store a set of executable program codes, and the processor is used to call the executable program codes stored in the memory, which are used to: obtain the tax amount of the target enterprise; determine the taxable amount of the target enterprise based on the first bill information; determine the difference between the taxable amount and the taxable amount of the target enterprise; if the difference between the taxable amount and the taxable amount of the target enterprise is less than a preset threshold, provide the target enterprise with a first amount of loan guarantee amount; if the difference between the taxable amount and the taxable amount of the target enterprise is greater than or equal to the preset threshold, provide the target enterprise with a second amount of loan guarantee amount, and the second amount of loan guarantee amount is higher than the first amount of loan guarantee amount.

[0100] An embodiment of the present application provides a computer program product, wherein the computer program product includes a computer program, and the computer program is operable to enable a computer to perform part or all of the steps of any one of the device information-based loan review methods recorded in the above method embodiments. The computer program product can be a software installation package.

[0101] It should be noted that for the sake of simplicity, each of the aforementioned loan review method embodiments is described as a series of actions. However, those skilled in the art should be aware that this application is not limited by the order of the actions described, as certain steps may be performed in a different order or simultaneously. Furthermore, those skilled in the art should also be aware that the embodiments described in this specification are preferred embodiments, and the actions involved are not necessarily required for this application.

[0102] Although the present application is described herein in conjunction with various embodiments, in the process of implementing the claimed application, those skilled in the art may understand and implement other variations of the disclosed embodiments by reviewing the drawings, the disclosure, and the appended claims. In the claims, the word "comprising" does not exclude other components or steps, and "a" or "an" does not exclude a plurality of components or steps. The fact that certain measures are recited in different dependent claims does not mean that these measures cannot be combined to produce good results.

[0103] Those skilled in the art will understand that all or part of the steps in the various methods of the method embodiments of any of the above-mentioned data acquisition methods can be completed by instructing related hardware through a program, and the program can be stored in a computer-readable memory, which may include: a flash drive, a read-only memory (ROM), a random access memory (RAM), a magnetic disk or an optical disk, etc.

[0104] The above is a detailed introduction to the embodiments of the present application. Specific examples are used herein to illustrate the principles and implementation methods of a data acquisition method and device of the present application. The description of the above embodiments is only used to help understand the method and core idea of the present application. At the same time, for those skilled in the art, based on the idea of a data acquisition method and device of the present application, there may be changes in the specific implementation methods and application scope. In summary, the content of this specification should not be understood as a limitation on the present application.

[0105] The present application is described with reference to the flowcharts and / or block diagrams of the methods, hardware products, and computer program products of the embodiments of the present application. It should be understood that each process and / or block in the flowchart and / or block diagram, as well as the combination of processes and / or blocks in the flowchart and / or block 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, an embedded processor, or other programmable data processing device to produce a machine, so that the instructions executed by the processor of the computer or other programmable data processing device generate instructions for implementing the processes in the flowchart and / or block diagram. Figure 1 a process or multiple processes and / or boxes Figure 1 A device that provides the functions specified in a block or multiple blocks.

[0106] These computer program instructions may 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 produce an article of manufacture comprising an instruction device, which implements the process Figure 1 a process or multiple processes and / or boxes Figure 1 The function specified in one or more boxes.

[0107] These computer program instructions can also be loaded onto a computer or other programmable data processing device so that a series of operational steps are executed on the computer or other programmable device to produce a computer-implemented process, thereby providing the instructions executed on the computer or other programmable device for implementing the process. Figure 1 a process or multiple processes and / or boxes Figure 1 A step that specifies a function in one or more boxes.

[0108] It can be understood that any product that is controlled or configured to execute the processing method of the flowchart described in the method embodiment of a data acquisition method of the present application, such as the terminal and computer program product in the above flowchart, falls within the scope of the related products described in the present application.

[0109] Obviously, those skilled in the art may make various modifications and variations to the data acquisition method and apparatus provided herein without departing from the spirit and scope of the present application. Thus, if such modifications and variations fall within the scope of the claims of the present application and their equivalents, the present application is intended to include such modifications and variations.

Claims

1. A loan review method based on corporate bills, characterized in that: The method comprises: receiving a loan guarantee application submitted by a target enterprise, wherein the loan guarantee application is used to request a loan guarantee; Acquire first bill information of a target enterprise, where the first bill information is used to represent relevant information about invoices issued by the target enterprise; The relevant information for issuing the invoice includes the purpose of issuing the invoice and the amount of the invoice; the rationality result of the invoice information of the target enterprise is determined based on the first invoice information, and the rationality result includes reasonable or unreasonable, specifically including: if the purpose of issuing the invoice is product sales, obtaining the equipment information of the target enterprise, and determining the possible amount range of the product sales based on the equipment information; if the amount of the invoice corresponding to the product sales falls within the possible amount range of the product sales, determining that the invoice information of the target enterprise is reasonable; and / or if the purpose of issuing the invoice is service sales, obtaining the personnel information of the target enterprise, and determining the possible amount range of the service sales based on the personnel information; if the amount of the invoice corresponding to the service sales falls within the possible amount range of the service sales, determining that the invoice information of the target enterprise is reasonable; Obtaining second bill information of the target enterprise, where the second bill information is used to represent relevant information about the target enterprise obtaining invoices; determining the rationality result of the bill information of the target enterprise based on the first bill information specifically includes: determining the rationality result of the bill information of the target enterprise based on a degree of correlation between the first bill information and the second bill information; If the target enterprise's bill information is reasonable, the loan guarantee application will be reviewed and approved; If the bill information of the target enterprise is unreasonable, the loan guarantee application will be rejected.

2. The method according to claim 1, characterized in that The second bill information includes the amount of the invoice obtained and the purpose of obtaining the invoice. The rationality of the bill information of the target enterprise determined based on the degree of correlation between the first bill information and the second bill information includes: determining, based on the purpose of obtaining the invoice and the purpose of issuing the invoice, a degree of functional correlation between the first bill information and the second bill information of the target enterprise within a first preset time period, wherein the degree of functional correlation includes a general correlation and a strong correlation; wherein, if the purpose of obtaining the invoice and the purpose of issuing the invoice do not correspond, the degree of functional correlation is a general correlation; and if the purpose of obtaining the invoice and the purpose of issuing the invoice correspond, the degree of functional correlation is a strong correlation; determining, based on the amount of the obtained invoice and the amount of the issued invoice, a degree of correlation between the amounts of the first bill information and the second bill information of the target enterprise within a first preset time period, wherein the degree of correlation includes a reasonable correlation and an unreasonable correlation; wherein, if the ratio of the amount corresponding to the second bill information to the amount corresponding to the first bill information is not greater than a first preset ratio, the degree of correlation is a reasonable correlation; and if the ratio of the amount corresponding to the second bill information to the amount corresponding to the first bill information is greater than the first preset ratio, the degree of correlation is an unreasonable correlation; The rationality result of the bill information of the target enterprise is determined according to the combined result of the functional correlation degree and the amount correlation degree.

3. The method according to claim 2, characterized in that The rationality result of the bill information of the target enterprise is determined based on the combined result of the functional correlation degree and the amount correlation degree, including: If the combination of the functional correlation degree and the amount correlation degree is a first combination, it is determined that the bill information of the target enterprise is unreasonable, and the first combination is that the functional correlation degree is a general correlation and the amount correlation degree is an unreasonable correlation; If the combination of the functional correlation degree and the amount correlation degree is a second combination, it is determined that the bill information of the target enterprise is reasonable, and the second combination is that the functional correlation degree is a strong correlation and the amount correlation degree is a reasonable correlation; If the combination result of the functional correlation degree and the amount correlation degree is the third combination, determine the combination result of the amount correlation degree of the first bill information and the second bill information of the target enterprise within the second preset time period; if the combination result within the second preset time period is the first combination or the second combination, determine the rationality result of the bill information within the first preset time period based on the combination result within the second preset time period; if the combination result within the first preset time period is the third combination, determine that the bill information within the first preset time period is reasonable, and mark the rationality result of the bill information; when the number of the marks is greater than the first preset number, determine that the rationality result of the bill information corresponding to the third combination is unreasonable bill information, wherein the third combination is that the functional correlation degree is general correlation and the amount correlation degree is reasonable correlation, or the functional correlation degree is strong correlation and the amount correlation degree is unreasonable correlation.

4. The method according to any one of claims 1 to 3, characterized in that After the loan guarantee application is reviewed and approved, the method further includes: Obtaining the tax amount of the target enterprise; Determining the tax payable of the target enterprise based on the first bill information; Determine the difference between the target enterprise's taxable amount and the taxable amount; If the difference between the target enterprise's taxable amount and the tax amount is less than a preset threshold, a first amount of loan guarantee is provided to the target enterprise; If the difference between the target enterprise's taxable amount and the tax amount is greater than or equal to a preset threshold, a second amount of loan guarantee will be provided to the target enterprise, and the second amount of loan guarantee will be higher than the first amount of loan guarantee.

5. A loan review device, characterized in that: The device comprises: a receiving unit, configured to receive a loan guarantee application submitted by a target enterprise, wherein the loan guarantee application is used to request a loan guarantee; an acquiring unit, configured to acquire first bill information of a target enterprise, wherein the first bill information is used to represent relevant information of an invoice issued by the target enterprise; a determination unit, configured to determine, based on the first bill information, the rationality of the bill information of the target enterprise, including the purpose of issuing the invoice and the amount of the invoice; and to determine, based on the first bill information, whether the bill information of the target enterprise is reasonable or unreasonable, including: if the purpose of issuing the invoice is product sales, obtaining equipment information of the target enterprise, and determining, based on the equipment information, a possible amount range of the product sales; if the amount of the invoice corresponding to the product sales falls within the possible amount range of the product sales, determining that the bill information of the target enterprise is reasonable; and / or if the purpose of issuing the invoice is service sales, obtaining personnel information of the target enterprise, and determining, based on the personnel information, a possible amount range of the service sales; and if the amount of the invoice corresponding to the service sales falls within the possible amount range of the service sales, determining that the bill information of the target enterprise is reasonable; Obtaining second bill information of the target enterprise, where the second bill information is used to represent relevant information about the target enterprise obtaining invoices; determining the rationality result of the bill information of the target enterprise based on the first bill information specifically includes: determining the rationality result of the bill information of the target enterprise based on a degree of correlation between the first bill information and the second bill information; If the target enterprise's bill information is reasonable, the loan guarantee application will be reviewed and approved; If the bill information of the target enterprise is unreasonable, the loan guarantee application will be rejected.

6. An electronic device, characterized in that: The device comprises: A processor, a memory, and a communication interface, wherein the processor, the memory, and the communication interface are interconnected and perform communication work among each other; The memory stores executable program code, and the communication interface is used for wireless communication; The processor is used to call the executable program code stored in the memory and execute the method according to any one of claims 1 to 4.

7. A computer-readable storage medium, characterized in that The computer program stores a computer program for electronic data exchange, wherein the computer program enables a computer to execute the method according to any one of claims 1 to 4.

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