Method, device, storage medium and electronic device for determining amortization information

Abstract

The present application discloses a method, device, storage medium and electronic device for determining amortization information, and relates to the field of financial technology. The method includes: obtaining current product data corresponding to a target product; determining a data identification rule corresponding to the current region to which the target product belongs, and determining a data identification rule corresponding to the current product data from the data identification rule to obtain a target data identification rule; judging whether the amortization range of the current product data belongs to the amortization range corresponding to the current region according to the target data identification rule; when the amortization range of the target product belongs to the amortization range corresponding to the current region, calculating the actual interest rate of the target product according to the current product data and the historical product data of the target product; and calculating the amortization information corresponding to the target product according to the actual interest rate. Through this application, the problem that the amortization information of different products in different regions cannot be accurately determined in the related art is solved.

Description

Technical Field

[0001] The present application relates to the field of financial technology, and specifically, to a method, device, storage medium and electronic device for determining amortization information. Background Art

[0002] When amortizing the gains and losses of financial assets or financial liabilities, institutions need to calculate amortization information according to the corresponding rules to ensure the accuracy of the calculation. However, due to different management requirements for amortization in different regions, some of the amortization calculation processes of institutions in different regions are different. Therefore, when designing the amortization calculation function, it is necessary to design it differently for each region according to different requirements.

[0003] Figure 1 This is the implementation method of using the effective interest method to calculate the amortization amount in related technologies. Due to differences in the implementation details of different countries or regions, it is necessary to design an independent amortization function for each institution based on the local regulatory requirements of different institutions. Figure 1 As shown, the implementation modes of each institution are isolated from each other. Each mode receives the input data it needs and produces its own output data. When a specific regulatory agency puts forward new requirements, such as requiring the recalculation of the actual interest rate in a new scenario, the system needs to modify the technical implementation of the corresponding mode. The same applies when another institution adds a new scenario. In particular, when a new institution is added, a new model needs to be customized and implemented for the institution. This will cause the system to be unable to respond to the diverse changes in demand in a timely manner. As the number of enabled modes increases, the maintenance cost and error probability of the system will also increase simultaneously.

[0004] With respect to the problem in the related art that the amortization information of different products in different regions cannot be accurately determined, no effective solution has been proposed so far. Summary of the invention

[0005] The present application provides a method, device, storage medium and electronic device for determining amortization information to solve the problem in the related art that the amortization information of different products in different regions cannot be accurately determined.

[0006] According to one aspect of the present application, a method for determining amortization information is provided. The method includes: obtaining current product data corresponding to a target product; determining at least one data identification rule corresponding to a current region to which the target product belongs, and determining a data identification rule corresponding to the current product data from the at least one data identification rule to obtain a target data identification rule; judging whether the amortization range of the current product data belongs to the amortization range corresponding to the current region according to the target data identification rule; if the amortization range of the target product belongs to the amortization range corresponding to the current region, calculating the actual interest rate of the target product according to the current product data and the historical product data of the target product; and calculating the amortization information corresponding to the target product according to the actual interest rate.

[0007] Optionally, at least one data identification rule corresponding to the current region to which the target product belongs is determined, and the data identification rule corresponding to the current product data is determined from the at least one data identification rule, and obtaining the target data identification rule includes: obtaining the region information and protocol information of the current product data; calling the identification program corresponding to the region information according to the region information, and obtaining at least one data identification rule contained in the identification program; matching the target data identification rule from the at least one data identification rule according to the protocol information.

[0008] Optionally, the current product data includes product cost information and / or product period information of the target product, and the product period information is the cash flow information of each period during the product's life cycle. Calculating the actual interest rate of the target product based on the current product data and the historical product data of the target product includes: acquiring the product period information of the historical product data, obtaining the historical product period information, and summarizing the historical product period information and the corresponding historical product cost information to obtain a capital period table for the target product; adding the product cost information and / or product period information of the current product data to the capital period table to obtain an updated capital period table; and calculating the actual interest rate of the target product based on the updated capital period table.

[0009] Optionally, calculating the actual interest rate of the target product according to the updated funding period table includes: obtaining the expense amount from the product expense information corresponding to the target product, and obtaining the amortized cost target value and period from the product period information corresponding to the target product, wherein the expense amount includes at least one of the following: handling fees and interest; determining a preset interest rate, calculating the preset expense amount according to the preset interest rate, the amortized cost target value and the period, comparing the preset expense amount with the expense amount to obtain a comparison result, and if the comparison result is greater than a threshold, adjusting the preset interest rate until the comparison result is less than or equal to the threshold; obtaining the corresponding adjusted preset interest rate when the comparison result is less than or equal to the threshold, and determining the adjusted preset interest rate as the actual interest rate.

[0010] Optionally, calculating the amortization information corresponding to the target product based on the actual interest rate includes: obtaining the net present value of each period from the product period information corresponding to the target product, and multiplying the actual interest rate by the net present value to obtain the actual interest rate of each period; obtaining the preset interest of each period from the product period information corresponding to the target product, and subtracting the actual interest rate corresponding to each period from the preset interest to obtain the amortization amount corresponding to each period, wherein the preset interest is the product of the preset interest rate multiplied by the loan balance corresponding to each period; and determining the amortization amount corresponding to each period as the amortization information.

[0011] Optionally, after calculating the amortization information corresponding to the target product based on the actual interest rate, the method also includes: obtaining the amortization information corresponding to the number of periods that have occurred to obtain the amortization information that has occurred; generating accounting detail data for the amortization information that has occurred at preset time intervals, and adding the accounting detail data to the accounting file corresponding to the target product.

[0012] Optionally, after adding the accounting detail data to the accounting file corresponding to the target product, the method further includes: obtaining a data request and parsing the request conditions in the data request; screening data that meets the request conditions from the accounting file, obtaining a data request result, and sending the data request result to the sender of the data request.

[0013] According to another aspect of the present application, a device for determining amortization information is provided. The device includes: a first acquisition unit, used to acquire current product data corresponding to a target product; a determination unit, used to determine at least one data identification rule corresponding to a current region to which the target product belongs, and determine the data identification rule corresponding to the current product data from the at least one data identification rule to obtain a target data identification rule; a judgment unit, used to judge whether the amortization range of the current product data belongs to the amortization range corresponding to the current region according to the target data identification rule; a first calculation unit, used to calculate the actual interest rate of the target product according to the current product data and the historical product data of the target product when the amortization range of the target product belongs to the amortization range corresponding to the current region; and a second calculation unit, used to calculate the amortization information corresponding to the target product according to the actual interest rate.

[0014] According to another aspect of an embodiment of the present invention, a computer storage medium is provided. The computer storage medium is used to store a program. When the program is running, the device where the computer storage medium is located is controlled to execute a method for determining amortization information.

[0015] According to another aspect of an embodiment of the present invention, an electronic device is provided, comprising one or more processors and a memory; the memory stores computer-readable instructions, and the processor is used to execute the computer-readable instructions, wherein a method for determining amortization information is executed when the computer-readable instructions are executed.

[0016] Through this application, the following steps are adopted: obtaining the current product data corresponding to the target product; determining at least one data identification rule corresponding to the current region to which the target product belongs, and determining the data identification rule corresponding to the current product data from at least one data identification rule to obtain the target data identification rule; judging whether the amortization range of the current product data belongs to the amortization range corresponding to the current region according to the target data identification rule; in the case where the amortization range of the target product belongs to the amortization range corresponding to the current region, calculating the actual interest rate of the target product according to the current product data and the historical product data of the target product; calculating the amortization information corresponding to the target product according to the actual interest rate. The problem that the amortization information of different products in different regions cannot be accurately determined in the related art is solved. The data identification rule corresponding to the target product is determined by region, and whether the current target product needs to calculate the amortization information is determined by the data identification rule. The actual interest rate and amortization information corresponding to the target product are further calculated by confirming the result, thereby achieving the effect of accurately determining the amortization information of different products in different regions. BRIEF DESCRIPTION OF THE DRAWINGS

[0017] The drawings constituting a part of the present application are used to provide a further understanding of the present application. The illustrative embodiments and descriptions of the present application are used to explain the present application and do not constitute an improper limitation on the present application. In the drawings:

[0018] Figure 1 The implementation method of calculating the amortization amount using the effective interest method in the relevant technology;

[0019] Figure 2 is a flow chart of a method for determining amortization information provided in an embodiment of the present application;

[0020] Figure 3 An optional funding period table provided according to an embodiment of the present application;

[0021] Figure 4 Another optional funding period table provided according to an embodiment of the present application;

[0022] Figure 5 A flowchart of an optional method for determining amortization information provided according to an embodiment of the present application;

[0023] Figure 6 is a schematic diagram of a device for determining amortization information provided according to an embodiment of the present application;

[0024] Figure 7 It is a schematic diagram of an electronic device provided according to an embodiment of the present application. DETAILED DESCRIPTION

[0025] It should be noted that, in the absence of conflict, the embodiments and features in the embodiments of the present application can be combined with each other. The present application will be described in detail below with reference to the accompanying drawings and in combination with the embodiments.

[0026] In order to enable those skilled in the art to better understand the solution of the present application, the technical solution in the embodiments of the present application will be clearly and completely described below in conjunction with the drawings in the embodiments of the present application. Obviously, the described embodiments are only part of the embodiments of the present application, not all of the embodiments. Based on the embodiments in the present application, all other embodiments obtained by ordinary technicians in this field without creative work should fall within the scope of protection of the present application.

[0027] It should be noted that the terms "first", "second", etc. in the specification and claims of the present application and the above-mentioned drawings are used to distinguish similar objects, and are not necessarily used to describe a specific order or sequential order. It should be understood that the data used in this way can be interchanged where appropriate, so that the embodiments of the present application described here. In addition, the terms "including" and "having" and any of their variations are intended to cover non-exclusive inclusions, for example, a process, method, system, product or device comprising a series of steps or units is not necessarily limited to those steps or units clearly listed, but may include other steps or units that are not clearly listed or inherent to these processes, methods, products or devices.

[0028] It should be noted that the relevant information (including but not limited to user device information, user personal information, etc.) and data (including but not limited to data for display, data for analysis, etc.) involved in this disclosure are all information and data authorized by the user or fully authorized by all parties. For example, an interface is set between this system and the relevant user or organization. Before obtaining relevant information, it is necessary to send an acquisition request to the aforementioned user or organization through the interface, and obtain relevant information after receiving the consent information fed back by the aforementioned user or organization.

[0029] It should be noted that the method, device, storage medium and electronic device for determining the amortization information determined in the present disclosure can be used in the financial field, and can also be used in any field other than the financial field. The application field of the method, device, storage medium and electronic device for determining the amortization information determined in the present disclosure is not limited.

[0030] For the convenience of description, some nouns or terms involved in the embodiments of the present application are explained below:

[0031] Amortization: refers to the accounting method of allocating the purchase cost of operating assets that can be used for a long time each year according to their useful life.

[0032] Effective interest rate: The discount rate that makes the present value of future cash flows of an asset or liability equal to its current fair value.

[0033] Amount of expenses incurred: The sum of all expense transactions incurred on the debit or credit side within a certain period of time, such as interest, handling fees, etc.

[0034] Product Period: The period for installment repayment or collection is divided into segments according to the product term.

[0035] Contract interest rate: refers to the repayment interest rate stipulated in the contract.

[0036] Net Present Value: refers to the difference between the present value of future cash inflows and the present value of future cash outflows.

[0037] Funds period statement: refers to a statement that reflects the debit and credit amounts and balances of cash and bank deposit accounts in each period.

[0038] Amortized cost: refers to the amount obtained by deducting interest from investment cost, using the actual interest rate as the basis for calculating interest.

[0039] According to an embodiment of the present application, a method for determining amortization information is provided.

[0040] Figure 2 is a flow chart of a method for determining amortization information according to an embodiment of the present application. Figure 2 As shown, the method comprises the following steps:

[0041] Step S201, obtaining current product data corresponding to the target product.

[0042] Specifically, the current product data may include product cost information and / or product period information of the target product. When the amortization information of the target product is calculated for the first time, that is, the target product has no historical product data, the current product data may include the product cost information and product period information of the target product. When the amortization information of the target product is not calculated for the first time, that is, the target product has historical product data, the current product data may include the product cost information and / or product period information of the target product.

[0043] Among them, product fee information can be the details of the fees collected or paid by the product provider during the transaction of financial products. For example, a bank issues a loan to a customer through the introduction of a third party. The bank charges the customer a certain percentage of the handling fee but also pays a certain amount to the third party. Product fee information may include product agreement, fee income amount, fee expenditure amount, fee occurrence date, fee effective date, etc.

[0044] Among them, the product period information can be the fund flow of each period during the life of the financial product. For example, when a bank issues a loan to a customer, the first period is the bank paying the principal to the customer. During the life of the loan, the other periods are the customers returning the corresponding principal and interest to the bank on the agreed repayment date. The product period information includes the details of the amount that has occurred and the details of the amount that has not occurred but is planned to occur. The necessary elements of the amount details of each period include the product agreement, principal balance, principal amount, interest amount, transaction date, interest start date, etc.

[0045] It should be noted that the amount to be amortized can be the amount of fee income in the product fee information. For example, the handling fee that a user needs to pay when applying for a target product. The target product can be an installment loan product. Since the handling fee cannot be fully recorded during the duration of the target product, the handling fee needs to be amortized according to the number of periods, and the handling fee corresponding to each period must be amortized and recorded when the repayment time for each period arrives.

[0046] It should also be noted that before obtaining the current product data corresponding to the target product, the current product data can be obtained by batch importing or manually entering it from the system page, and the current product data can be filtered and checked for legality, and the current product data after filtering and legality checking can be obtained.

[0047] Step S202, determining at least one data identification rule corresponding to the current region to which the target product belongs, and determining the data identification rule corresponding to the current product data from the at least one data identification rule to obtain the target data identification rule.

[0048] Specifically, after obtaining the current product data corresponding to the target product, the attribute information of the target product may also be obtained, and the data identification rules corresponding to the target product may be obtained according to the attribute information and the product protocol, wherein the attribute information may include regional information and the like.

[0049] Step S203: determining whether the amortization range of the current product data belongs to the amortization range corresponding to the current region according to the target data identification rule.

[0050] Specifically, since different regions have different amortization ranges, it is necessary to determine whether to amortize the current product data by judging whether the amortization range of the current product data belongs to the amortization range corresponding to the current region.

[0051] For example, taking payment and collection as an example, the product cost information includes a handling fee collected midway. In the data identification rules of area A, the midway charge (the subsequent charge after the first charge) is within the amortization scope, so the handling fee will be amortized. In the data identification rules of area B, the midway charge is not within the amortization scope, so the handling fee will not be amortized.

[0052] Step S204, when the amortization range of the target product belongs to the amortization range corresponding to the current region, the actual interest rate of the target product is calculated according to the current product data and the historical product data of the target product.

[0053] Specifically, when the amortization range of the target product belongs to the amortization range corresponding to the current region, the amortization information needs to be recalculated because the historical product data has changed due to the addition of current product data. Moreover, since the calculation of the amortization information requires obtaining the actual interest rate, and the actual interest rate has also changed with the addition of current product data, it is necessary to first calculate the actual interest rate of the target product based on the current product data and the historical product data of the target product.

[0054] Step S205, calculating the amortization information corresponding to the target product according to the actual interest rate.

[0055] Specifically, after obtaining the actual interest rate, the amortization information can be calculated using the actual interest rate, current product data, and historical product data, and the current product data is added to the historical product data of the target product to obtain updated historical product data.

[0056] The method for determining amortization information provided in the embodiment of the present application obtains the current product data corresponding to the target product; determines at least one data identification rule corresponding to the current region to which the target product belongs, and determines the data identification rule corresponding to the current product data from at least one data identification rule to obtain the target data identification rule; determines whether the amortization range of the current product data belongs to the amortization range corresponding to the current region according to the target data identification rule; when the amortization range of the target product belongs to the amortization range corresponding to the current region, calculates the actual interest rate of the target product according to the current product data and the historical product data of the target product; and calculates the amortization information corresponding to the target product according to the actual interest rate. The problem that the amortization information of different products in different regions cannot be accurately determined in the related art is solved. By integrating the same operation steps between different target products, determining the data identification rules corresponding to the target products, and confirming the different operations between different target products separately through the data identification rules, and further calculating the actual interest rate and amortization information corresponding to the target product through the confirmation results, the effect of accurately determining the amortization information of different products in different regions is achieved.

[0057] Optionally, in the method for determining amortization information provided in an embodiment of the present application, at least one data identification rule corresponding to the current region to which the target product belongs is determined, and the data identification rule corresponding to the current product data is determined from the at least one data identification rule, and obtaining the target data identification rule includes: obtaining the regional information and protocol information of the current product data; calling the identification program corresponding to the regional information according to the regional information, and obtaining at least one data identification rule contained in the identification program; matching the target data identification rule from the at least one data identification rule according to the protocol information.

[0058] Specifically, after obtaining the current product data corresponding to the target product, it is also necessary to obtain the region information of the target product and obtain the protocol information from the current product data. At this time, the recognition program corresponding to the region can be called according to the region information, and the protocol information can be sent to the recognition program. The recognition program determines the data recognition rule corresponding to the protocol information from multiple data recognition rules according to the protocol information, and recognizes whether the current product data needs to be amortized through the data recognition rule.

[0059] It should be noted that, when the amortization information management requirements corresponding to a certain region are changed, the identification program corresponding to the region can be changed directly without adjusting the remaining calculation steps. Similarly, when a data identification rule in a certain region is changed, there is no need to adjust the remaining operation contents. This embodiment determines the data identification rules corresponding to different target products, and determines whether the target product needs to calculate the amortization information according to the data identification rules, thereby improving the screening efficiency of whether the target product needs to perform the amortization operation.

[0060] Optionally, in the method for determining amortization information provided in the embodiment of the present application, the current product data includes product cost information and / or product period information of the target product, and the product period information is the cash flow information of each period during the product's life cycle. Calculating the actual interest rate of the target product based on the current product data and the historical product data of the target product includes: obtaining the product period information of the historical product data, obtaining the historical product period information, and summarizing the historical product period information and the corresponding historical product cost information to obtain a capital period table for the target product; adding the product cost information and / or product period information of the current product data to the capital period table to obtain an updated capital period table; and calculating the actual interest rate of the target product based on the updated capital period table.

[0061] Specifically, Figure 3An optional funding period table is provided according to an embodiment of the present application, wherein handling fees and loan balances can be obtained through historical product fee information, and remaining information can be obtained through historical product period information, thereby obtaining a funding period table for the target product, wherein the historical product data can be the product data stored when the amortization amount was last calculated.

[0062] It should be noted that after obtaining the funding period table, the current product data can be added to the funding period table. The current product data can be product cost information, for example, Figure 4 Another optional funding period table provided according to an embodiment of the present application is as follows: Figure 4 As shown, a new handling fee is added in September, and the corresponding fee amount in September changes, and the changed table is set as the updated funding period table, and the actual interest rate of the target product is calculated based on the updated funding period table. This embodiment generates a funding period table through historical product data and current product data, so that the actual interest rate can be calculated based on the data in the funding period table, laying a data foundation for calculating the actual interest rate.

[0063] Optionally, in the method for determining amortization information provided in the embodiment of the present application, calculating the actual interest rate of the target product according to the updated funding period table includes: obtaining the expense amount from the product expense information corresponding to the target product, and obtaining the amortized cost target value and period from the product period information corresponding to the target product, wherein the expense amount includes at least one of the following: handling fees and interest; determining a preset interest rate, calculating the preset expense amount according to the preset interest rate, the amortized cost target value and the period, comparing the preset expense amount with the expense amount to obtain a comparison result, and if the comparison result is greater than a threshold, adjusting the preset interest rate until the comparison result is less than or equal to the threshold; obtaining the adjusted preset interest rate corresponding to the case where the comparison result is less than or equal to the threshold, and determining the adjusted preset interest rate as the actual interest rate.

[0064] Specifically, when the actual interest rate is known, the target value of amortized cost can be calculated by the actual interest rate, the preset amount of expenses and the number of product periods. At this time, since the preset amount of expenses to be amortized, the target value of amortized cost and the number of product periods are all in the fund period table, and the amortization information needs to be calculated by the actual interest rate, the interest rate can be preset, and the amount of expenses can be calculated according to the preset interest rate, the target value of amortized cost and the number of product periods, and the amount of expenses can be compared with the preset amount of expenses, and it is determined whether the preset interest rate can be set as the actual interest rate based on the comparison result. This embodiment calculates the actual interest rate of each period through the preset amount of expenses, the number of product periods and the target value of amortized cost in the fund period table, thereby laying a data foundation for obtaining the amortization information of each period.

[0065] Optionally, in the method for determining amortization information provided in the embodiment of the present application, calculating the amortization information corresponding to the target product based on the actual interest rate includes: obtaining the net present value of each period from the product period information corresponding to the target product, and multiplying the actual interest rate by the net present value to obtain the actual interest rate for each period; obtaining the preset interest for each period from the product period information corresponding to the target product, and subtracting the actual interest rate corresponding to each period from the preset interest to obtain the amortization amount corresponding to each period, wherein the preset interest is the product of the preset interest rate multiplied by the current loan balance; and determining the amortization amount corresponding to each period as the amortization information.

[0066] Specifically, after obtaining the actual interest rate, the actual interest rate can be multiplied by the net present value at the beginning of each period to obtain the actual interest rate of each period, wherein the net present value at the beginning of the period is the sum of the loan balance of each period and the remaining amortized cost. After obtaining the actual interest rate, the actual interest rate of each period can be subtracted from the contract interest of each period to obtain the corresponding amortized cost of each period, that is, the amortization amount, wherein the preset interest rate can be the contract interest rate, that is, the loan interest rate in the target product, and the preset interest can be the contract interest, that is, the contract interest is obtained by multiplying the current loan balance with the contract interest rate. The remaining amortized cost of the current period is calculated based on the amortized cost of the current period and the remaining amortized cost of the previous period, and the amortized cost of the current period and the remaining amortized cost are set as the amortization information of the current period. This embodiment achieves the effect of accurately calculating the amortization information of each period by calculating the contract interest and the actual interest rate, and calculating the amortized cost and the remaining amortized cost through the contract interest and the actual interest rate.

[0067] Optionally, in the method for determining amortization information provided in an embodiment of the present application, after calculating the amortization information corresponding to the target product based on the actual interest rate, the method further includes: obtaining the amortization information corresponding to the number of periods that have occurred to obtain the amortization information that has occurred; generating accounting detail data for the amortization information that has occurred at preset time intervals, and adding the accounting detail data to the accounting file corresponding to the target product.

[0068] Specifically, after obtaining the amortization information of each period, it is necessary to obtain the amortization information of each period from the to-be-recorded file, and record the amortization information at a preset time interval, where the preset time interval is the time interval between each two periods, for example, Figure 3 This embodiment satisfies the management regulations on accounting accounts and avoids the occurrence of accounting violations by automatically recording amortization information from the to-be-recorded file according to regulations.

[0069] Optionally, in the method for determining amortization information provided in an embodiment of the present application, after adding the accounting detail data to the accounting file corresponding to the target product, the method further includes: obtaining a data request and parsing the request conditions in the data request; filtering data that meets the request conditions from the accounting file, obtaining a data request result, and sending the data request result to the sender of the data request.

[0070] Specifically, when a data request is received, the request conditions in the data request are parsed, and the corresponding data is sent to the request sender according to the request conditions. For example, if a statistical system needs to obtain the amortization amount in the amortization information of each period of the target product, the amortization amount can be extracted and sent to a statistical system. This embodiment processes the amortization information according to the request conditions and sends it to the requester, thereby achieving the effect of sharing the amortization information.

[0071] Figure 5 A flowchart of an optional method for determining amortization information according to an embodiment of the present application is provided, such as Figure 5 As shown, the method includes:

[0072] First, obtain the current product data corresponding to the target product, filter and check the legality of the current product data, and obtain the current product data after filtering, screening and legality checking. Then, obtain the regional information of the target product and obtain the protocol information from the current product data.

[0073] Further, the recognition program corresponding to the region is called according to the region information, and the protocol information is sent to the recognition program. The recognition program determines the data recognition rule corresponding to the protocol information from multiple data recognition rules according to the protocol information, and recognizes whether the current product data needs to be amortized through the data recognition rule. It should be noted that since the above operations need to be performed differently according to different target products, the above operations are concentrated in the extraction layer for processing, and the product data is sent to the engine layer after processing.

[0074] Since the subsequent operation process for all products is the same, it is concentrated in the engine for processing. First, the product data that needs to be amortized is stored, and the funding period table is generated through the product data of the target product. The amount of expenses is calculated based on the preset interest rate, amortized cost target value and product period in the funding period table, and the amount of expenses is compared with the preset amount of expenses. Based on the comparison result, it is determined whether the preset interest rate can be set as the actual interest rate, thereby obtaining the actual interest rate.

[0075] Furthermore, the actual interest rate can be multiplied by the net present value at the beginning of each period to obtain the actual interest rate for each period, where the net present value at the beginning of the period is the sum of the loan balance and the remaining amortized cost for each period. After obtaining the actual interest rate, the actual interest rate for each period can be subtracted from the contractual interest for each period to obtain the corresponding amortized cost for each period, that is, the amortization amount, and the remaining amortized cost for the current period is calculated based on the amortized cost for the current period and the remaining amortized cost for the previous period, and the amortized cost for the current period and the remaining amortized cost are set as the amortization information for the current period, and the amortization information is recorded. The amortization information is then sent to the processing layer.

[0076] When the processing layer receives a data request, it parses the request conditions in the data request and sends the corresponding data to the request sender according to the request conditions, thereby providing data support for subsequent business operations.

[0077] By defining the extraction layer, engine layer, and processing layer, the content of each layer can be implemented by different teams, simplifying the complexity of personnel operations and reducing the operational risks of the system. The amortization information calculation method can be calculated in a modular assembly manner, and in the event of an exception, only the exception layer needs to be maintained, avoiding the risks caused by code logic intersection and mutual dependence.

[0078] It should be noted that the steps shown in the flowcharts of the accompanying drawings can be executed in a computer system such as a set of computer executable instructions, and that, although a logical order is shown in the flowcharts, in some cases, the steps shown or described can be executed in an order different from that shown here.

[0079] The embodiment of the present application also provides a device for determining amortization information. It should be noted that the device for determining amortization information in the embodiment of the present application can be used to execute the method for determining amortization information provided in the embodiment of the present application. The device for determining amortization information provided in the embodiment of the present application is introduced below.

[0080] Figure 6 Schematic diagram of a device for determining amortization information according to an embodiment of the present application. Figure 2 As shown, the device includes: a first acquisition unit 61, a determination unit 62, a judgment unit 63, a first calculation unit 64, and a second calculation unit 65.

[0081] Specifically, the first acquisition unit 61 is used to acquire current product data corresponding to the target product.

[0082] The determination unit 62 is used to determine at least one data identification rule corresponding to the current region to which the target product belongs, and determine the data identification rule corresponding to the current product data from the at least one data identification rule to obtain the target data identification rule.

[0083] The judging unit 63 is used to judge whether the amortization range of the current product data belongs to the amortization range corresponding to the current region according to the target data identification rule.

[0084] The first calculation unit 64 is used to calculate the actual interest rate of the target product according to the current product data and the historical product data of the target product when the amortization range of the target product belongs to the amortization range corresponding to the current region.

[0085] The second calculation unit 65 is used to calculate the amortization information corresponding to the target product according to the actual interest rate.

[0086] The device for determining amortization information provided in the embodiment of the present application obtains the current product data corresponding to the target product through the first acquisition unit 61; the determination unit 62 determines at least one data identification rule corresponding to the current region to which the target product belongs, and determines the data identification rule corresponding to the current product data from the at least one data identification rule to obtain the target data identification rule; the judgment unit 63 judges whether the amortization range of the current product data belongs to the amortization range corresponding to the current region according to the target data identification rule; the first calculation unit 64 calculates the actual interest rate of the target product according to the current product data and the historical product data of the target product when the amortization range of the target product belongs to the amortization range corresponding to the current region; the second calculation unit 65 calculates the amortization information corresponding to the target product according to the actual interest rate. The problem that the amortization information of different products in different regions cannot be accurately determined in the related art is solved. By integrating the same operation steps between different target products, determining the data identification rules corresponding to the target products, and confirming the different operations between different target products respectively through the data identification rules, and further calculating the actual interest rate and amortization information corresponding to the target product through the confirmation results, the effect of accurately determining the amortization information of different products in different regions is achieved.

[0087] Optionally, in the device for determining amortization information provided in an embodiment of the present application, the determination unit 62 includes: a first acquisition module, used to acquire regional information and protocol information of current product data; a second acquisition module, used to call an identification program corresponding to the regional information according to the regional information, and acquire at least one data identification rule contained in the identification program; and a matching module, used to match a target data identification rule from at least one data identification rule according to the protocol information.

[0088] Optionally, in the device for determining amortization information provided in the embodiment of the present application, the current product data includes product cost information and / or product period information of the target product, and the product period information is the cash flow information of each period during the product's life cycle. The first calculation unit 64 includes: a third acquisition module, used to acquire the product period information of historical product data, obtain the historical product period information, and summarize the historical product period information and the corresponding historical product cost information to obtain a capital period table for the target product; an adding module, used to add the product cost information and / or product period information of the current product data to the capital period table to obtain an updated capital period table; and a first calculation module, used to calculate the actual interest rate of the target product based on the updated capital period table.

[0089] Optionally, in the device for determining amortization information provided in the embodiment of the present application, the first calculation module includes: a first acquisition submodule, used to obtain the amount of expenses from the product expense information corresponding to the target product, and to obtain the amortized cost target value and the number of periods from the product period information corresponding to the target product, wherein the amount of expenses includes at least one of the following: handling fees and interest; a first determination submodule, used to determine a preset interest rate, calculate the preset amount of expenses based on the preset interest rate, the amortized cost target value and the number of periods, compare the preset amount of expenses with the amount of expenses to obtain a comparison result, and if the comparison result is greater than a threshold, adjust the preset interest rate until the comparison result is less than or equal to the threshold; obtain the corresponding adjusted preset interest rate when the comparison result is less than or equal to the threshold, and determine the adjusted preset interest rate as the actual interest rate.

[0090] Optionally, in the device for determining amortization information provided in the embodiment of the present application, the first calculation module includes: a second acquisition sub-module, used to obtain the net present value of each period from the product period information corresponding to the target product, and multiply the actual interest rate by the net present value to obtain the actual interest rate of each period; a third acquisition sub-module, used to obtain the preset interest of each period from the product period information corresponding to the target product, and subtract the actual interest rate corresponding to each period from the preset interest to obtain the amortization amount corresponding to each period, wherein the preset interest is the product of the preset interest rate multiplied by the current loan balance; the amortization amount corresponding to each period is determined as the amortization information.

[0091] Optionally, in the device for determining amortization information provided in the embodiment of the present application, the device also includes: a second acquisition unit, used to acquire the amortization information corresponding to the number of periods that have occurred, and obtain the amortization information that has occurred; a generation unit, used to generate accounting detail data for the amortization information that has occurred according to a preset time interval, and add the accounting detail data to the accounting file corresponding to the target product.

[0092] Optionally, in the device for determining amortization information provided in an embodiment of the present application, the device also includes: a third acquisition unit, used to obtain a data request and parse the request conditions in the data request; a sending unit, used to filter data that meets the request conditions from the accounting file, obtain a data request result, and send the data request result to the sender of the data request.

[0093] The device for determining the amortization information includes a processor and a memory. The first acquisition unit 61, the determination unit 62, the judgment unit 63, the first calculation unit 64, the second calculation unit 65, etc. are all stored in the memory as program units, and the processor executes the program units stored in the memory to implement corresponding functions.

[0094] The processor includes a kernel, which retrieves the corresponding program unit from the memory. One or more kernels can be set, and the kernel parameters can be adjusted to solve the problem that the maintenance efficiency of the calculation operation process is low due to the large number of ways of calculating amortization information in the related art, and the error rate of the calculation result is high.

[0095] The memory may include non-permanent memory in a computer-readable medium, random access memory (RAM) and / or non-volatile memory, such as read-only memory (ROM) or flash RAM, and the memory includes at least one memory chip.

[0096] An embodiment of the present invention provides a computer-readable storage medium on which a program is stored. When the program is executed by a processor, the method for determining the amortization information is implemented.

[0097] An embodiment of the present invention provides a processor, which is used to run a program, wherein the method for determining amortization information is executed when the program is running.

[0098] like Figure 7 As shown, an embodiment of the present invention provides an electronic device, the electronic device 70 includes a processor, a memory, and a program stored in the memory and executable on the processor, and the processor implements the following steps when executing the program: determining the data identification rule corresponding to the current region to which the target product belongs, and determining the data identification rule corresponding to the current product data from the data identification rule to obtain the target data identification rule; judging whether the amortization range of the current product data belongs to the amortization range corresponding to the current region according to the target data identification rule; when the amortization range of the target product belongs to the amortization range corresponding to the current region, calculating the actual interest rate of the target product according to the current product data and the historical product data of the target product; and calculating the amortization information corresponding to the target product according to the actual interest rate. The device in this article can be a server, a PC, a PAD, a mobile phone, etc.

[0099] The present application also provides a computer program product, which, when executed on a data processing device, is suitable for executing a program that initializes the following method steps: determining a data identification rule corresponding to the current region to which the target product belongs, and determining the data identification rule corresponding to the current product data from the data identification rule to obtain the target data identification rule; judging whether the amortization range of the current product data belongs to the amortization range corresponding to the current region according to the target data identification rule; in the case that the amortization range of the target product belongs to the amortization range corresponding to the current region, calculating the actual interest rate of the target product according to the current product data and the historical product data of the target product; and calculating the amortization information corresponding to the target product according to the actual interest rate.

[0100] Those skilled in the art will appreciate that the embodiments of the present application may be provided as methods, systems, or computer program products. Therefore, the present application may adopt the form of a complete hardware embodiment, a complete software embodiment, or an embodiment in combination with software and hardware. Moreover, the present application may adopt the form of a computer program product implemented in one or more computer-usable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) that include computer-usable program code.

[0101] The present application is described with reference to the flowcharts and / or block diagrams of the methods, devices (systems), and computer program products according to the embodiments of the present application. It should be understood that each process and / or box in the flowchart and / or block diagram, as well as the combination of the processes and / or boxes 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 generate 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.

[0102] These computer program instructions may also be stored in a computer-readable memory capable of directing a computer or other programmable data processing device to operate 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 A function specified in one or more boxes.

[0103] These computer program instructions can also be loaded onto a computer or other programmable data processing device so that a series of operating steps are executed on the computer or other programmable device to produce a computer-implemented process, thereby providing instructions for implementing the process in the computer or other programmable device. Figure 1 A process or multiple processes and / or boxes Figure 1 The steps for the functions specified in one or more boxes.

[0104] In a typical configuration, a computing device includes one or more processors (CPU), input / output interfaces, network interfaces, and memory.

[0105] The memory may include non-permanent memory in a computer-readable medium, random access memory (RAM) and / or non-volatile memory in the form of read-only memory (ROM) or flash RAM. The memory is an example of a computer-readable medium.

[0106] Computer readable media include permanent and non-permanent, removable and non-removable media that can be implemented by any method or technology to store information. Information can be computer readable instructions, data structures, program modules or other data. Examples of computer storage media include, but are not limited to, phase change memory (PRAM), static random access memory (SRAM), dynamic random access memory (DRAM), other types of random access memory (RAM), read-only memory (ROM), electrically erasable programmable read-only memory (EEPROM), flash memory or other memory technology, compact disk read-only memory (CD-ROM), digital versatile disk (DVD) or other optical storage, magnetic cassettes, magnetic tape magnetic disk storage or other magnetic storage devices or any other non-transmission media that can be used to store information that can be accessed by a computing device. As defined herein, computer readable media does not include temporary computer readable media (transitory media), such as modulated data signals and carrier waves.

[0107] It should also be noted that the terms "include", "comprises" or any other variations thereof are intended to cover non-exclusive inclusion, so that a process, method, commodity or device including a series of elements includes not only those elements, but also other elements not explicitly listed, or also includes elements inherent to such process, method, commodity or device. In the absence of more restrictions, the elements defined by the sentence "comprises a ..." do not exclude the existence of other identical elements in the process, method, commodity or device including the elements.

[0108] The above are only embodiments of the present application and are not intended to limit the present application. For those skilled in the art, the present application may have various changes and variations. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of the present application should be included within the scope of the claims of the present application.

Claims

1. A method for determining amortization information, characterized in that: include: Get the current product data corresponding to the target product; Determine at least one data identification rule corresponding to the current region to which the target product belongs, and determine the data identification rule corresponding to the current product data from the at least one data identification rule to obtain a target data identification rule; Determining whether the amortization range of the current product data belongs to the amortization range corresponding to the current region according to the target data identification rule; When the amortization range of the target product belongs to the amortization range corresponding to the current region, calculating the actual interest rate of the target product according to the current product data and the historical product data of the target product; Calculate the amortization information corresponding to the target product according to the actual interest rate; Determine at least one data identification rule corresponding to the current region to which the target product belongs, and determine the data identification rule corresponding to the current product data from the at least one data identification rule, wherein obtaining the target data identification rule comprises: obtaining region information and protocol information of the current product data; The identification program corresponding to the area information is called according to the area information, and at least one of the data identification rules contained in the identification program is obtained; and the target data identification rule is matched from at least one of the data identification rules according to the protocol information.

2. The method according to claim 1, characterized in that The current product data includes product cost information and / or product period information of the target product, and the product period information is the fund flow information of each period during the product life. The actual interest rate of the target product is calculated based on the current product data and the historical product data of the target product, including: Acquire product period information of the historical product data, obtain historical product period information, and summarize the historical product period information and corresponding historical product cost information to obtain a fund period table of the target product; Adding the product cost information and / or product period information of the current product data to the funding period table to obtain an updated funding period table; The actual interest rate of the target product is calculated based on the updated funding period table.

3. The method according to claim 2, characterized in that Calculating the actual interest rate of the target product according to the updated funding period table includes: Acquire the expense amount from the product expense information corresponding to the target product, and acquire the amortized cost target value and the number of periods from the product period information corresponding to the target product, wherein the expense amount includes at least one of the following: handling fee and interest; Determine a preset interest rate, calculate a preset expense amount according to the preset interest rate, the amortized cost target value and the number of periods, compare the preset expense amount with the expense amount to obtain a comparison result, and if the comparison result is greater than a threshold, adjust the preset interest rate until the comparison result is less than or equal to the threshold; The adjusted preset interest rate corresponding to the case where the comparison result is less than or equal to the threshold is obtained, and the adjusted preset interest rate is determined as the actual interest rate.

4. The method according to claim 2, characterized in that: Calculating the amortization information corresponding to the target product according to the actual interest rate includes: Obtaining the net present value of each period from the product period information corresponding to the target product, and multiplying the actual interest rate by the net present value to obtain the actual interest rate of each period; The preset interest for each period is obtained from the product period information corresponding to the target product, and the actual interest rate corresponding to each period is subtracted from the preset interest to obtain the amortization amount corresponding to each period, wherein the preset interest is the product of the preset interest rate multiplied by the loan balance corresponding to each period; The amortization amount corresponding to each period is determined as the amortization information.

5. The method according to claim 1, characterized in that After calculating the amortization information corresponding to the target product according to the actual interest rate, the method further includes: Obtain the amortization information corresponding to the number of periods that have occurred, and obtain the amortization information that has occurred; The incurred amortization information is used to generate detailed accounting data at preset time intervals, and the detailed accounting data is added to the accounting file corresponding to the target product.

6. The method according to claim 5, characterized in that After adding the accounting detail data to the accounting file corresponding to the target product, the method further includes: Obtaining a data request and parsing a request condition in the data request; Data that meets the request condition is screened from the account entry file to obtain a data request result, and the data request result is sent to the sender of the data request.

7. A device for determining amortization information, characterized in that: include: A first acquisition unit, used to acquire current product data corresponding to a target product; a determination unit, configured to determine at least one data identification rule corresponding to the current region to which the target product belongs, and determine the data identification rule corresponding to the current product data from the at least one data identification rule to obtain a target data identification rule; A judging unit, configured to judge whether the amortization range of the current product data belongs to the amortization range corresponding to the current region according to the target data identification rule; A first calculation unit, configured to calculate the actual interest rate of the target product according to the current product data and the historical product data of the target product, when the amortization range of the target product belongs to the amortization range corresponding to the current region; A second calculation unit, used to calculate the amortization information corresponding to the target product according to the actual interest rate; The determination unit includes: a first acquisition module, used to acquire the region information and protocol information of the current product data; The second acquisition module is used to call the identification program corresponding to the area information according to the area information, and obtain at least one of the data identification rules contained in the identification program; the matching module is used to match the target data identification rule from at least one of the data identification rules according to the protocol information.

8. A computer storage medium, characterized in that The computer storage medium is used to store a program, wherein when the program is executed, the device where the computer storage medium is located is controlled to execute the method for determining amortization information according to any one of claims 1 to 6.

9. An electronic device, characterized in that: The invention comprises one or more processors and a memory, wherein the memory is used to store one or more programs, wherein when the one or more programs are executed by the one or more processors, the one or more processors implement the method for determining amortization information as described in any one of claims 1 to 6.

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