Bank credit business evaluation methods, devices, equipment, media and program products

Abstract

The embodiment of the present invention discloses a bank credit business evaluation method, device, equipment, medium and program product, which relates to the field of big data technology, including: determining the bank's full indicator base table and credit business type based on basic credit business data, wherein the full indicator base table includes ratio indicators and balance indicators; filtering and obtaining specified indicators from the full indicator base table according to configuration instructions; evaluating the bank's credit business according to the specified indicators and credit business type to obtain evaluation results. By processing the basic credit business data to determine the full indicator base table and credit business type, and dynamically selecting the specified indicators configured for evaluation according to user needs, obtaining evaluation results for the bank's credit business according to the specified indicators and credit business type, adapting to the multi-dimensional and multi-indicator situations in various business scenarios, and using automated calculations to reduce workload while ensuring the accuracy of the calculation and evaluation results.

Description

Technical Field

[0001] The embodiments of the present invention relate to the field of big data technology, and in particular to a bank credit business evaluation method, device, equipment, medium and program product. Background Art

[0002] With the rapid development of the economy, banks face unprecedented development opportunities and severe challenges. A rigorous risk management mechanism is not only a prerequisite for banks to regulate their operations but also an essential guarantee for their sound operations. Different banks have different business characteristics and focus areas. Credit business is particularly important for banks, and each bank's evaluation system for this business may vary. Some banks focus on new customers, while others are more concerned with non-performing loans.

[0003] However, the evaluation system currently used by banks has relatively few evaluation indicators, and the evaluation scheme adopted is a fixed evaluation scheme. When the credit business structure is adjusted, if the original evaluation scheme is still used, it will affect the accuracy of the bank's credit business evaluation. Therefore, the bank credit business evaluation method used in the existing technology cannot meet the actual needs of users. Summary of the Invention

[0004] The embodiments of the present invention provide a bank credit business evaluation method, apparatus, equipment, medium and program product to implement the evaluation of bank credit business.

[0005] In a first aspect, an embodiment of the present invention provides a bank credit business evaluation method, comprising:

[0006] Determine the bank's full indicator base table and credit business types based on basic credit business data, wherein the full indicator base table includes ratio indicators and balance indicators;

[0007] Filter and obtain the specified indicator from the full indicator base table according to the configuration instruction;

[0008] The bank's credit business is evaluated according to the specified indicators and the credit business type to obtain an evaluation result.

[0009] In a second aspect, an embodiment of the present invention provides a bank credit business evaluation device, comprising:

[0010] A basic credit business data processing module is used to process the basic credit business data to determine the bank's full-quantity indicator base table and credit business types, wherein the full-quantity indicator base table includes ratio indicators and balance indicators;

[0011] A designated indicator acquisition module is used to filter and obtain designated indicators from the full indicator base table according to configuration instructions;

[0012] The bank credit business evaluation module is used to evaluate the bank credit business according to the specified indicators and the credit business type to obtain an evaluation result.

[0013] In a third aspect, an embodiment of the present invention provides an electronic device, the electronic device including:

[0014] one or more processors;

[0015] a storage device for storing one or more programs,

[0016] When one or more programs are executed by one or more processors, the one or more processors implement the above method.

[0017] In a fourth aspect, an embodiment of the present invention provides a computer-readable storage medium having a computer program stored thereon, which, when executed by a processor, implements any method described in the embodiments of the present invention.

[0018] In a fifth aspect, an embodiment of the present invention provides a computer program product, including a computer program, which implements the above-mentioned method when executed by a processor.

[0019] The technical solution of the embodiment of the present invention processes basic credit business data to determine the full indicator base table and credit business type, and dynamically selects and configures designated indicators for evaluation based on user needs, and obtains evaluation results for the bank's credit business based on the designated indicators and credit business type, thereby adapting to the multi-dimensional and multi-indicator situations in various business scenarios, and using automated calculations to reduce workload while ensuring the accuracy of the calculated evaluation results. BRIEF DESCRIPTION OF THE DRAWINGS

[0020] In order to more clearly illustrate the technical solutions of the embodiments of the present invention, the following briefly introduces the drawings required for use in the embodiments. It should be understood that the following drawings only illustrate certain embodiments of the present invention and therefore should not be regarded as limiting the scope. For ordinary technicians in this field, other relevant drawings can be obtained based on these drawings without paying any creative work.

[0021] Figure 1 This is a flow chart of a bank credit business evaluation method provided in Example 1 of the present invention;

[0022] Figure 2 This is a flow chart of a bank credit business evaluation method provided by the second embodiment of the present invention;

[0023] Figure 3 This is a schematic diagram of the structure of a bank credit business evaluation device provided in the third embodiment of the present invention;

[0024] Figure 4 This is a structural diagram of an electronic device provided in Example 4 of the present invention. DETAILED DESCRIPTION

[0025] The present invention will be further described in detail below with reference to the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are only used to explain the present invention, rather than to limit the present invention.

[0026] It should also be noted that, for ease of description, only parts related to the present invention, not all, are shown in the accompanying drawings. Before discussing exemplary embodiments in more detail, it should be mentioned that some exemplary embodiments are described as processes or methods depicted as flow charts. Although the flow charts describe the various operations (or steps) as sequential processes, many of the operations therein can be implemented in parallel, concurrently, or simultaneously. In addition, the order of the various operations can be rearranged. The process can be terminated when its operation is completed, but it can also have additional steps not included in the accompanying drawings. The process can correspond to a method, software implementation, hardware implementation, etc. The acquisition, storage, use, processing, etc. of data in the technical solution of this application all comply with the relevant provisions of national laws and regulations.

[0027] Example 1

[0028] Figure 1 This is a flow chart of a bank credit business evaluation method provided by an embodiment of the present invention. This embodiment is applicable to situations where bank credit business is evaluated. This method can be executed by a bank credit business evaluation device in an embodiment of the present invention, which can be implemented in software and / or hardware. Figure 1 As shown, the method specifically includes the following operations:

[0029] Step S101: Process the basic credit business data to determine the bank's full indicator base table and credit business type.

[0030] Optionally, the bank's full indicator base table and credit business type are determined based on the basic credit business data, including: calculating the basic credit business data according to pre-configured indicator calculation rules to obtain the values ​​of each indicator, saving the obtained indicator values ​​to obtain the full indicator base table; adding labels to the basic credit business data according to pre-set label classification rules to obtain the credit business type.

[0031] Specifically, this implementation pre-acquires basic credit business data sent by various banks. This basic credit business data specifically refers to the bank's credit business transaction data. For example, this basic credit business data includes the current end-of-period non-performing loan balance, expected loans over 90 days, credit balance, and loan balance. Of course, this implementation is merely illustrative and does not limit the specific content of this basic credit business data. After acquiring this basic credit business data, it is calculated according to pre-configured indicator calculation rules to obtain various indicator data, which are then stored in a comprehensive indicator base table. This comprehensive indicator base table includes ratio indicators and balance indicators.

[0032] Among them, ratio indicators include: non-performing loan ratio, newly issued non-performing loan ratio, newly exposed non-performing loan ratio, overdue rate, overdue non-performing loan ratio, overdue loan volatility, proportion of loans under watch, migration rate of loans under watch, migration rate of normal loans, normal downgraded non-performing loan ratio, resolution rate of loans under watch, advance rate, non-performing loan ratio after restoration and write-off, provision coverage ratio, loan-to-provision ratio, credit cost rate, credit loss rate, repayment rate at maturity, overdue rate at maturity, extension rate at maturity, proportion of total loans, proportion of loans in the same major category, risky loan ratio, non-performing loan disposal ratio, loss rate of non-performing loan disposal, cash recovery rate of non-performing loan disposal, write-back rate of provision for non-performing loan disposal or off-balance sheet non-performing loan ratio. In addition, the balance indicators include: credit balance, credit balance, non-performing loan balance, pure new non-performing loans, newly exposed non-performing loans, overdue loan balance, loan balance overdue for more than 90 days, special mention loans, special mention loan downgrade amount, normal loan downgrade amount, normal loan downgrade non-performing amount, advance amount, non-performing amount after restoration and write-off, loan holding amount, loan provision accrual, discounted interest call-back amount, provision usage amount, write-off call-back provision, write-off amount, write-off recovery amount, matured balance, maturity repayment amount, maturity overdue amount, maturity extension amount, non-performing disposal amount, non-performing disposal cash recovery amount, non-performing disposal provision call-back amount, off-balance sheet non-performing balance, off-balance sheet holding amount, off-balance sheet accrual amount and off-balance sheet balance. Of course, this embodiment is only an example, and does not limit the specific type of indicators. As shown in Table 1 below, it is a pre-configured indicator calculation rule:

[0033] Table 1

[0034]

[0035]

[0036] Due to space limitations, Table 1 only describes the calculation rules for some indicators. Users can determine the calculation rules for each indicator according to actual needs, and this embodiment does not limit them.

[0037] By calculating and processing the basic credit business data according to the pre-configured indicator calculation rules shown in Table 1, the full indicator base table shown in Table 2 can be obtained:

[0038] Table 2

[0039] Indicator Classification Statistical indicators serial number Ratio Defective rate = a1 R1 Ratio Ratio of newly issued non-performing loans = b1 R2 … … … Balance Amount of extension due = h2 B25 Balance Off-balance sheet provision = o2 B35 … … …

[0040] The full indicator base table primarily includes two categories of indicators: ratio indicators and balance indicators. Each category of indicators includes multiple specific indicators. Each indicator is calculated according to the calculation rules in Table 1. Table 2 uses alphanumeric characters to represent the specific values ​​obtained through the calculation. The full indicator base table also includes the number of each indicator. Of course, this embodiment is merely an example and does not limit the specific form of each indicator number.

[0041] Specifically, in this embodiment, the basic code business data may be tagged according to the tag classification rules shown in Table 3 below to obtain the credit business type:

[0042] Table 3

[0043]

[0044] It should be noted that the processing of basic credit business data to obtain the bank's full indicator base table and the processing of basic credit business data to obtain credit business types can be processed in parallel, and the full indicator base table shown in Table 2 is mainly obtained based on the bank. When adding labels, the terminal device adds labels to all data in the basic credit business data according to the label classification rules shown in Table 3.

[0045] Step S102: Filter and obtain designated indicators from the full indicator base table according to the configuration instruction.

[0046] Optionally, filtering from the full indicator base table to obtain the specified indicator according to the configuration instruction includes: receiving the configuration instruction input by the user, wherein the configuration instruction includes a specified number; filtering from the full indicator base table to obtain the specified indicator according to the specified number.

[0047] Specifically, the terminal device can display the obtained indicator base table on a human-computer interaction interface for the user to view and configure the indicators used in the bank's credit business evaluation according to actual evaluation needs. The terminal device obtains the configuration instruction based on the user's trigger operation and filters the entire indicator base table according to the designated number contained in the configuration instruction to obtain the designated indicator. For example, if the designated numbers are R1 and R2, the designated indicators can be determined to be the non-performing loan ratio and the purely newly issued non-performing loan ratio.

[0048] Optionally, a weight adjustment instruction input by the user is obtained, wherein the weight adjustment instruction includes a weight value and a number; and the weight of the specified indicator corresponding to the number is adjusted according to the weight value.

[0049] In this embodiment, the designated indicators can be dynamically determined based on the user's evaluation requirements. In addition, after the designated indicators are determined, the user can also adjust the weight corresponding to each designated indicator. For example, if the weight adjustment instruction input by the user includes a weight value of 0.1 and the number R1, the weight of the designated indicator defect rate corresponding to the number R1 will be adjusted to 0.1. Of course, this embodiment is only an example and does not limit the specific method of adjusting the weight of the designated indicator.

[0050] Step S103: Evaluate the bank's credit business according to the specified indicators and credit business type to obtain an evaluation result.

[0051] Optionally, the bank's credit business is evaluated according to specified indicators and credit business labels to obtain evaluation results, including: obtaining a first evaluation result of the bank's credit business by calculating according to the weight value and specified indicators; obtaining a second evaluation result of the bank's credit business according to the weight value, credit business type and specified indicators.

[0052] Optionally, a first evaluation result of the bank's credit business is obtained by calculation based on the weight value and the specified indicators, including: obtaining the product result of each specified indicator and the corresponding weight value; adding each product result to obtain the first evaluation result, wherein the first evaluation result is used to indicate the overall credit business status of the bank.

[0053] Optionally, a second evaluation result of the bank's credit business is obtained based on the weight value, credit business type and specified indicators, including: determining the specified credit business type selected by the user from the credit business types; for the specified credit business type, calculating based on the weight value and specified indicators to obtain a second evaluation result for the specified credit business type, wherein the second evaluation result is used to indicate the local credit business status of the bank.

[0054] In a specific implementation, if Table 2 specifically refers to the full indicator base table for Bank X, and if only two designated indicators are determined for evaluation: the non-performing loan ratio and the purely newly issued non-performing loan ratio, and the weight corresponding to the non-performing loan ratio is 0.1 and the weight corresponding to the non-performing loan ratio is 0.3, then the credit business score of Bank X can be obtained as a1*0.1+b1*0.3, and this result is used as the first evaluation result of Bank X. The first evaluation result is also used as the overall credit business status of Bank X.

[0055] Furthermore, this embodiment can also specifically determine the credit business evaluation results for a specific credit business within Bank x, such as green credit. This allows both the overall credit business scoring result for Bank x and a second scoring result specifically for green credit within the credit business to be obtained. Furthermore, the first scoring result indicates the overall credit business status of the bank, while the second scoring result indicates the status of a specific credit business within the bank. The method for obtaining the green credit scoring result is largely the same as that for the overall credit business scoring result, and therefore will not be further described in this embodiment.

[0056] The technical solution of the embodiment of the present invention processes basic credit business data to determine the full indicator base table and credit business type, and dynamically selects and configures designated indicators for evaluation based on user needs, and obtains evaluation results for the bank's credit business based on the designated indicators and credit business type, thereby adapting to the multi-dimensional and multi-indicator situations in various business scenarios, and using automated calculations to reduce workload while ensuring the accuracy of the calculated evaluation results.

[0057] Example 2

[0058] Figure 2 This is a flow chart of a bank credit business evaluation method provided by an embodiment of the present invention. This embodiment is based on the above embodiment. After obtaining the evaluation results, this embodiment further includes: when it is determined that the evaluation results are in an abnormal state, an alarm prompt is issued. The method steps specifically include the following operations:

[0059] Step S201: Process the basic credit business data to determine the bank's full indicator base table and credit business type.

[0060] Optionally, the bank's full indicator base table and credit business type are determined based on the basic credit business data, including: calculating the basic credit business data according to pre-configured indicator calculation rules to obtain the values ​​of each indicator, saving the obtained indicator values ​​to obtain the full indicator base table; adding labels to the basic credit business data according to pre-set label classification rules to obtain the credit business type.

[0061] Step S202: Filter and obtain designated indicators from the full indicator base table according to the configuration instruction.

[0062] Optionally, filtering from the full indicator base table to obtain the specified indicator according to the configuration instruction includes: receiving the configuration instruction input by the user, wherein the configuration instruction includes a specified number; filtering from the full indicator base table to obtain the specified indicator according to the specified number.

[0063] Optionally, a weight adjustment instruction input by the user is obtained, wherein the weight adjustment instruction includes a weight value and a number; and the weight of the specified indicator corresponding to the number is adjusted according to the weight value.

[0064] Step S203: Evaluate the bank's credit business according to the specified indicators and credit business type to obtain an evaluation result.

[0065] Optionally, the bank's credit business is evaluated according to specified indicators and credit business labels to obtain evaluation results, including: obtaining a first evaluation result of the bank's credit business by calculating according to the weight value and specified indicators; obtaining a second evaluation result of the bank's credit business according to the weight value, credit business type and specified indicators.

[0066] Optionally, a first evaluation result of the bank's credit business is obtained by calculation based on the weight value and the specified indicators, including: obtaining the product result of each specified indicator and the corresponding weight value; adding each product result to obtain the first evaluation result, wherein the first evaluation result is used to indicate the overall credit business status of the bank.

[0067] Optionally, a second evaluation result of the bank's credit business is obtained based on the weight value, credit business type and specified indicators, including: determining the specified credit business type selected by the user from the credit business types; for the specified credit business type, calculating based on the weight value and specified indicators to obtain a second evaluation result for the specified credit business type, wherein the second evaluation result is used to indicate the local credit business status of the bank.

[0068] Step S204: When it is determined that the evaluation result is abnormal, an alarm is issued.

[0069] Specifically, after determining the evaluation results, this embodiment further verifies the evaluation results to see if there are any abnormalities in the displayed evaluation results. Specifically, the verification is to see if there are obvious errors or discrepancies with the actual situation. For example, if the displayed evaluation results contain blank data or garbled characters, the displayed evaluation results are determined to be obviously erroneous, and in such cases, the verification is determined to have failed. Of course, this embodiment is merely an example and does not limit the specific form of abnormality.

[0070] It should be noted that when an abnormality is determined in the displayed evaluation results, an alarm prompt will be issued in a timely manner. Specifically, the alarm prompt can be in the form of an image or voice, so that maintenance personnel can promptly perform equipment or software configuration maintenance based on the alarm prompt, thereby improving the accuracy of the evaluation results. Of course, this embodiment only uses images or voice as examples to illustrate the alarm prompt. As long as it can serve as a prompt to the user, it is within the scope of protection of this application and is not described in detail in this embodiment.

[0071] The technical solution of the embodiment of the present invention processes basic credit business data to determine a base table of all indicators and credit business types, dynamically selects and configures designated indicators for evaluation based on user needs, and obtains evaluation results for bank credit business based on the designated indicators and credit business types. This adapts to the multi-dimensional and multi-indicator situations in various business scenarios, and uses automated calculations to reduce workload while ensuring the accuracy of calculated evaluation results. Furthermore, an alarm is issued when an evaluation result is determined to be abnormal, thereby improving the efficiency and accuracy of obtaining credit business evaluation results.

[0072] Example 3

[0073] Figure 3 This is a schematic diagram of the structure of a bank credit business evaluation device provided by an embodiment of the present invention, which includes:

[0074] The basic credit business data processing module 310 is used to process the basic credit business data to determine the bank's full indicator base table and credit business types, wherein the full indicator base table includes ratio indicators and balance indicators;

[0075] The designated indicator acquisition module 320 is used to filter and obtain the designated indicator from the full indicator base table according to the configuration instruction;

[0076] The bank credit business evaluation module 330 is used to evaluate the bank credit business according to the specified indicators and credit business types to obtain evaluation results.

[0077] Optionally, a basic credit business data processing module is used to calculate the basic credit business data according to pre-configured indicator calculation rules to obtain the values ​​of each indicator, and save the obtained indicator values ​​to obtain a full indicator base table;

[0078] Add labels to basic credit business data according to pre-set label classification rules to obtain credit business types.

[0079] Optionally, the full indicator base table also includes the number of each indicator; the designated indicator acquisition module is used to receive the configuration instruction input by the user, wherein the configuration instruction includes the designated number;

[0080] Filter the entire indicator base table to obtain the specified indicator based on the specified number.

[0081] Optionally, the device further includes a weight adjustment module, configured to obtain a weight adjustment instruction input by a user, wherein the weight adjustment instruction includes a weight value and a number;

[0082] Adjust the weight of the specified indicator matched by the number according to the weight value.

[0083] Optional bank credit business evaluation module, including:

[0084] A first evaluation result acquisition module, configured to obtain a first evaluation result of a bank's credit business by calculating based on the weight value and the specified index;

[0085] The second evaluation result acquisition module is used to obtain the second evaluation result of the bank's credit business based on the weight value, credit business type and specified indicators.

[0086] The first evaluation result acquisition module is used to obtain the product result of each specified indicator and the corresponding weight value;

[0087] Each product result is added together to obtain a first evaluation result, wherein the first evaluation result is used to indicate the overall credit business status of the bank.

[0088] A second evaluation result acquisition module is used to determine the designated credit business type selected by the user from the credit business types;

[0089] For a specified credit business type, a second evaluation result for the specified credit business type is obtained by calculation based on the weight value and the specified index, wherein the second evaluation result is used to indicate the local credit business status of the bank.

[0090] Optional ratio indicators include: non-performing loan ratio, newly issued non-performing loan ratio, newly exposed non-performing loan ratio, overdue rate, overdue non-performing loan ratio, overdue loan volatility, proportion of loans under watch, migration rate of loans under watch, migration rate of normal loans, normal downgraded non-performing loan ratio, resolution rate of loans under watch, advance rate, non-performing loan ratio after restoration and write-off, provision coverage ratio, loan-to-provision ratio, credit cost rate, credit loss rate, repayment rate at maturity, overdue rate at maturity, extension rate at maturity, proportion of total loans, proportion of loans in the same major category, risky loan ratio, non-performing loan disposal ratio, loss rate of non-performing loan disposal, cash recovery rate of non-performing loan disposal, write-back rate of provision for non-performing loan disposal or off-balance sheet non-performing loan ratio.

[0091] Optional, balance indicators include: credit balance, credit balance, non-performing loan balance, purely newly issued non-performing loans, newly exposed non-performing loans, overdue loan balance, loan balance overdue for more than 90 days, special mention loans, special mention loan downgrade amount, normal loan downgrade amount, normal loan downgraded non-performing amount, advance amount, non-performing amount after restoration and write-off, loan holdings, loan provision accrual, discounted interest write-back amount, provision usage amount, written-off provision write-back amount, write-off amount, write-off recovery amount, matured balance, maturity repayment amount, maturity overdue amount, maturity extension amount, non-performing disposal amount, non-performing disposal cash recovery amount, non-performing disposal provision write-back amount, off-balance sheet non-performing balance, off-balance sheet holdings, off-balance sheet accrual amount and off-balance sheet balance.

[0092] The above device can execute the bank credit business evaluation method provided by any embodiment of the present invention, and has the corresponding functional modules and beneficial effects of the execution method. For technical details not fully described in this embodiment, please refer to the method provided by any embodiment of the present invention.

[0093] Example 4

[0094] Figure 4 It is a structural diagram of an electronic device provided by an embodiment of the present invention. Figure 4 A block diagram of an exemplary electronic device 412 suitable for use in implementing embodiments of the present invention is shown. Figure 4 The electronic device 412 shown is only an example and should not limit the functionality and scope of use of the embodiments of the present invention.

[0095] like Figure 4 As shown, electronic device 412 is in the form of a general-purpose computing device. Components of electronic device 412 may include, but are not limited to, one or more processors 416, memory 428, and a bus 418 that connects various system components (including memory 428 and processor 416).

[0096] Bus 418 represents one or more of several types of bus structures, including a memory bus or memory controller, a peripheral bus, an accelerated graphics port, a processor, or a local bus using any of a variety of bus architectures. Examples of these architectures include, but are not limited to, an Industry Standard Architecture (ISA) bus, a Micro Channel Architecture (MAC) bus, an Enhanced ISA bus, a Video Electronics Standards Association (VESA) local bus, and a Peripheral Component Interconnect (PCI) bus.

[0097] The electronic device 412 typically includes a variety of computer system readable media. These media can be any available media that can be accessed by the electronic device 412, including volatile and non-volatile media, removable and non-removable media.

[0098] The memory 428 is used to store instructions. The memory 428 may include computer system readable media in the form of volatile memory, such as random access memory (RAM) 430 and / or cache memory 432. The electronic device 412 may further include other removable / non-removable, volatile / non-volatile computer system storage media. By way of example only, the storage system 434 may be used to read and write non-removable, non-volatile magnetic media ( Figure 4 Not shown, often called a "hard drive"). Although Figure 4Not shown, a disk drive for reading and writing to a removable non-volatile disk (e.g., a "floppy disk"), and an optical drive for reading and writing to a removable non-volatile optical disk (e.g., a CD-ROM, DVD-ROM, or other optical media) may be provided. In these cases, each drive may be connected to bus 418 via one or more data media interfaces. Memory 428 may include at least one program product having a set (e.g., at least one) of program modules configured to perform the functions of various embodiments of the present invention.

[0099] A program / utility 440 having a set (at least one) of program modules 442 may be stored, for example, in memory 428. Such program modules 442 include, but are not limited to, an operating system, one or more application programs, other program modules, and program data, each of which, or some combination thereof, may include an implementation of a network environment. Program modules 442 generally implement the functions and / or methodologies of the embodiments described herein.

[0100] The electronic device 412 may also communicate with one or more external devices 414 (e.g., keyboards, pointing devices, displays 424, etc.), and may also communicate with one or more devices that enable a user to interact with the electronic device 412, and / or any device that enables the electronic device 412 to communicate with one or more other computing devices (e.g., a network card, a modem, etc.). Such communication may be performed through an input / output (I / O) interface 422. Furthermore, the electronic device 412 may also communicate with one or more networks (e.g., a local area network (LAN), a wide area network (WAN), and / or a public network, such as the Internet) through a network adapter 420. As shown, the network adapter 420 communicates with the other modules of the electronic device 412 via the bus 418. It should be understood that although Figure 4 Not shown, other hardware and / or software modules may be used in conjunction with electronic device 412, including but not limited to microcode, device drivers, redundant processing units, external disk drive arrays, RAID systems, tape drives, and data backup storage systems.

[0101] The processor 416 executes various functional applications and data processing by running instructions stored in the memory 428, such as implementing the bank credit business evaluation method provided in the embodiment of the present invention: determining the bank's full indicator base table and credit business type based on basic credit business data, wherein the full indicator base table includes ratio indicators and balance indicators; filtering from the full indicator base table according to the configuration instructions to obtain specified indicators; evaluating the bank's credit business according to the specified indicators and credit business type to obtain evaluation results.

[0102] Example 5

[0103] An embodiment of the present invention provides a computer-readable storage medium having a computer program stored thereon. When the program is executed by a processor, it implements the bank credit business evaluation method provided in all the invention embodiments of this application: determining the bank's full indicator base table and the credit business type based on basic credit business data, wherein the full indicator base table includes ratio indicators and balance indicators; filtering from the full indicator base table according to configuration instructions to obtain specified indicators; evaluating the bank's credit business according to the specified indicators and the credit business type to obtain an evaluation result.

[0104] Any combination of one or more computer-readable media can be used. A computer-readable medium can be a computer-readable signal medium or a computer-readable storage medium. A computer-readable storage medium can be, for example, but not limited to, a system, device or component of electricity, magnetism, light, electromagnetic, infrared, or semiconductors, or any combination thereof. More specific examples (non-exhaustive list) of computer-readable storage media include: an electrical connection with one or more wires, a portable computer disk, a hard disk, a random access memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disk read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination thereof. In this document, a computer-readable storage medium can be any tangible medium containing or storing a program that can be used by an instruction execution system, device or device or used in combination with it.

[0105] A computer-readable signal medium may include a data signal propagated in baseband or as part of a carrier wave, which carries computer-readable program code. Such propagated data signals may take various forms, including but not limited to electromagnetic signals, optical signals, or any suitable combination thereof. A computer-readable signal medium may also be any computer-readable medium other than a computer-readable storage medium that can transmit, propagate, or transport a program for use by or in conjunction with an instruction execution system, apparatus, or device.

[0106] Program code embodied on a computer readable medium may be transmitted using any appropriate medium, including but not limited to wireless, wireline, optical fiber cable, RF, etc., or any suitable combination of the foregoing.

[0107] Example 6

[0108] An embodiment of the present invention further provides a computer program product, comprising a computer program, which, when executed by a processor, implements the bank credit business evaluation method provided in any embodiment of the present application.

[0109] The computer program product may be implemented by writing computer program code for performing the operations of the present invention in one or more programming languages, or a combination thereof, including object-oriented programming languages ​​such as Java, Smalltalk, C++, and conventional procedural programming languages ​​such as "C" or similar programming languages. The program code may be executed entirely on the user's computer, partially on the user's computer, as a stand-alone software package, partially on the user's computer and partially on a remote computer, or entirely on a remote computer or server. In cases involving a remote computer, the remote computer may be connected to the user's computer via any type of network, including a local area network (LAN) or a wide area network (WAN), or may be connected to an external computer (e.g., via the Internet using an Internet service provider).

[0110] Note that the above are only preferred embodiments of the present invention and the technical principles employed. Those skilled in the art will understand that the present invention is not limited to the specific embodiments described herein, and that various obvious changes, readjustments, and substitutions can be made by those skilled in the art without departing from the scope of protection of the present invention. Therefore, although the present invention has been described in detail through the above embodiments, the present invention is not limited to the above embodiments and may include many other equivalent embodiments without departing from the concept of the present invention. The scope of the present invention is determined by the scope of the appended claims.

Claims

1. A bank credit business evaluation method, characterized in that: include: Determine the bank's full indicator base table and credit business types based on basic credit business data, wherein the full indicator base table includes ratio indicators and balance indicators; Filter and obtain the specified indicator from the full indicator base table according to the configuration instruction; Evaluate the bank's credit business according to the specified indicators and the credit business type to obtain an evaluation result; The processing of the basic credit business data to determine the bank's full indicator base table and the credit business type includes: calculating the basic credit business data according to pre-configured indicator calculation rules to obtain the values ​​of each indicator, saving the obtained indicator values ​​to obtain the full indicator base table; adding tags to the basic credit business data according to pre-set tag classification rules to obtain the credit business type; The full indicator base table also includes the number of each indicator; the filtering and obtaining of the specified indicator from the full indicator base table according to the configuration instruction includes: receiving a configuration instruction input by a user, wherein the configuration instruction includes a specified number; filtering and obtaining the specified indicator from the full indicator base table according to the specified number; After filtering and obtaining the specified indicator from the full indicator base table according to the configuration instruction, the method further includes: obtaining a weight adjustment instruction input by a user, wherein the weight adjustment instruction includes a weight value and a number; and adjusting the weight of the specified indicator corresponding to the number according to the weight value; The evaluation of the bank credit business according to the specified indicators and the credit business label to obtain the evaluation result includes: obtaining a first evaluation result of the bank credit business by calculation according to the weight value and the specified indicators; and obtaining a second evaluation result of the bank credit business according to the weight value, the credit business type and the specified indicators.

2. The method according to claim 1, characterized in that The step of calculating and obtaining a first evaluation result of the bank credit business according to the weight value and the designated indicator includes: Get the product of each specified indicator and the corresponding weight value; Each product result is added together to obtain the first evaluation result, wherein the first evaluation result is used to indicate the overall credit business status of the bank.

3. The method according to claim 1, characterized in that The obtaining of a second evaluation result of the bank's credit business according to the weight value, the credit business type, and the designated indicator includes: Determine the designated credit business type selected by the user from the credit business types; For the specified credit business type, a second evaluation result for the specified credit business type is obtained by calculation based on the weight value and the specified indicator, wherein the second evaluation result is used to indicate the local credit business status of the bank.

4. The method according to claim 1 or 2, characterized in that The ratio indicators include: non-performing loan ratio, newly issued non-performing loan ratio, newly exposed non-performing loan ratio, overdue rate, overdue non-performing loan ratio, overdue loan volatility, proportion of loans under special mention, migration rate of loans under special mention, migration rate of loans under normal category, normal migration ratio of non-performing loans, resolution rate of loans under special mention, advance rate, non-performing loan ratio after restoration and write-off, provision coverage ratio, loan-to-provision ratio, credit cost rate, credit loss rate, repayment rate at maturity, overdue rate at maturity, extension rate at maturity, proportion of total loans, proportion of loans in the same major category, risky loan ratio, non-performing loan disposal ratio, loss rate of non-performing loan disposal, cash recovery rate of non-performing loan disposal, write-back rate of provision for non-performing loan disposal or off-balance sheet non-performing loan ratio.

5. The method according to claim 1, wherein The balance indicators include: credit balance, loan balance, non-performing loan balance, newly issued non-performing loans, newly exposed non-performing loans, overdue loan balance, loan balance overdue for more than 90 days, special mention loans, downgraded amount of special mention loans, downgraded amount of normal loans, downgraded amount of normal loans, advance amount, non-performing amount after restoration and write-off, loan holdings, loan provision accrual, discounted interest write-back amount, provision usage amount, written-off provision write-back amount, write-off amount, write-off recovery amount, matured balance, repayment amount due, overdue amount due, extension amount due, non-performing disposal amount, cash recovery amount of non-performing disposal, write-back amount of non-performing disposal provision, off-balance sheet non-performing balance, off-balance sheet holdings, off-balance sheet accrual amount and off-balance sheet balance.

6. A bank credit business evaluation device, characterized in that: include: A basic credit business data processing module is used to process the basic credit business data to determine the bank's full-quantity indicator base table and credit business types, wherein the full-quantity indicator base table includes ratio indicators and balance indicators; A designated indicator acquisition module is used to filter and obtain designated indicators from the full indicator base table according to configuration instructions; A bank credit business evaluation module, configured to evaluate the bank credit business according to the specified indicators and the credit business type to obtain an evaluation result; The basic credit business data processing module is used to calculate the basic credit business data according to the pre-configured indicator calculation rules to obtain the values ​​of each indicator, save the obtained indicator values ​​to obtain the full indicator base table; add labels to the basic credit business data according to the pre-set label classification rules to obtain the credit business type; The full index base table also includes the number of each index; the specified index acquisition module is used to receive a configuration instruction input by a user, wherein the configuration instruction includes a specified number; and filter the full index base table according to the specified number to obtain the specified index; The device also includes a weight adjustment module, which is used to obtain a weight adjustment instruction input by a user, wherein the weight adjustment instruction includes a weight value and a number; and adjust the weight of the specified indicator matched by the number according to the weight value; The bank credit business evaluation module is used to calculate and obtain a first evaluation result of the bank credit business based on the weight value and the specified indicator; and obtain a second evaluation result of the bank credit business based on the weight value, the credit business type and the specified indicator.

7. An electronic device, characterized in that: The electronic device comprises: one or more processors; a storage device for storing one or more programs, When the one or more programs are executed by the one or more processors, the one or more processors implement the method according to any one of claims 1 to 5.

8. A computer-readable storage medium having a computer program stored thereon, characterized in that: When the program is executed by a processor, the method according to any one of claims 1 to 5 is implemented.

9. A computer program product comprising a computer program, characterized in that When the computer program is executed by a processor, the computer program implements the method according to any one of claims 1 to 5.

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