A method, device and equipment for re-formulating business agreement

Abstract

The present application provides a method, device and equipment for reformulating business agreements, and relates to the field of data processing technology. The method includes: through a task scheduling trigger unit configured based on a task scheduling framework, when it is determined that the latest benchmark interest rate release time has arrived, triggering the scheduling of the repricing task; obtaining the latest benchmark interest rate through the scheduled repricing task; querying the database through the repricing task for business agreements whose repricing dates are within the latest benchmark interest rate release cycle, obtaining a set of business agreements to be repriced, and screening out at least one target business agreement that meets the preset screening conditions; based on the latest benchmark interest rate, re-determining the business data related to the benchmark interest rate in the target business agreement. Through the method provided by the present application, business agreements can be repriced in a timely manner, and the workload of business personnel can be reduced.

Description

Technical Field

[0001] The present invention relates to the field of data processing technology, and in particular to a method, device and equipment for reformulating a business agreement. Background Art

[0002] For financial leasing business, financial leasing service providers often rely on business personnel to manually formulate business agreements. The agreed rules include how to make payments during the lease period. Due to the long lease period, when the market interest rate changes, the re-formulation of all business agreements during the contract period will bring a lot of workload to the business personnel. Therefore, the company prefers to adopt a fixed interest rate and only re-formulate individual business agreements, which in turn limits the company's own business development.

[0003] Moreover, most financial leasing companies have incomplete system construction and relatively weak optional reformulation strategies, which are generally reformulated on a monthly, daily, periodic or monthly basis. It may happen that when the reformulation date is reached, the latest benchmark interest rate has been released or has not yet been released. At this time, the most recently released benchmark interest rate will be obtained, and then repricing will be carried out based on this interest rate, resulting in the inability to timely reformulate the business agreements that need to be reformulated on the date of release of the latest interest rate. Summary of the invention

[0004] The present application provides a method, device and equipment for reformulating business agreements to solve the problem that current leasing businesses cannot perform timely repricing.

[0005] In a first aspect, the present application provides a method for reformulating a business agreement, the method comprising:

[0006] Through the task scheduling trigger unit configured based on the task scheduling framework, when it is determined that the latest benchmark interest rate release time has arrived, the scheduling of the repricing task is triggered;

[0007] Schedule repricing tasks based on the microservice framework and obtain the latest published benchmark interest rates through scheduled repricing tasks;

[0008] By using the repricing task, the database is searched for business agreements whose repricing dates are within the latest benchmark interest rate release cycle, a set of business agreements to be repriced is obtained, and at least one target business agreement that meets the preset screening conditions is screened out;

[0009] Through the repricing task, the business data related to the benchmark interest rate in the target business agreement is re-determined according to the latest published benchmark interest rate.

[0010] In a possible implementation, the task scheduling triggering unit configured based on the task scheduling framework triggers the scheduling of the repricing task when it is determined that the latest benchmark interest rate release time has arrived, including:

[0011] According to the publishing methods of different types of latest interest rates, the publishing time of each type of latest interest rate is determined; and it is configured to the task scheduling trigger unit based on the task scheduling framework;

[0012] By configuring a task scheduling trigger unit based on the task scheduling framework, when the release time of the latest interest rate of any type is determined, the scheduling of the corresponding repricing task is triggered.

[0013] In a possible implementation, when the determination reaches the release time of the latest interest rate of any type, triggering the scheduling of the corresponding repricing task includes:

[0014] When it is determined that the release time of the latest interest rate of any type has arrived, the scheduling of the repricing task of this type is triggered according to the pre-configured task interface of the different types of repricing tasks.

[0015] In a possible implementation, screening out at least one target business agreement that meets a preset screening condition includes:

[0016] From the set of business agreements to be repriced, select at least one target business agreement in which the type of the business agreement interest rate is consistent with the type of the latest benchmark interest rate, the current interest rate value in the business agreement is inconsistent with the latest benchmark interest rate value, and the business agreement is in a valid state.

[0017] In a possible implementation, the repricing date is determined by any of the following methods, including:

[0018] If the repricing strategy is monthly or daily repricing, the repricing date agreed upon in the business shall be the interest value date agreed upon in the business;

[0019] If the repricing strategy is to reprice on schedule, the repricing date agreed upon in the business shall be the payment date of each payment cycle;

[0020] If the repricing strategy is monthly repricing, the repricing date of the business agreement shall be the starting day of each month;

[0021] If the repricing strategy is quarterly repricing, the repricing date of the business agreement shall be the starting date of each quarter;

[0022] If the repricing strategy is to repricing on a specified date, the repricing date of the business agreement shall be the specified date of each year;

[0023] If the repricing strategy is to repricing according to the latest benchmark interest rate publication date, the repricing date agreed in the business shall be determined as the latest benchmark interest rate publication date.

[0024] In a possible implementation, querying the database for business agreements with a repricing date within the latest benchmark interest rate publication cycle through the repricing task includes at least one of the following:

[0025] Determine the latest benchmark interest rate release cycle based on the latest benchmark interest rate release time and the last release time;

[0026] If the repricing date agreed in the business is the value date agreed in the business, determine whether the value date agreed in the business is within the latest benchmark interest rate release cycle through the repricing task;

[0027] If the repricing date agreed in the business is the payment date of each payment cycle, the repricing task is used to determine whether the payment date of each payment cycle is within the latest benchmark interest rate release cycle;

[0028] If the repricing date agreed in the business is the starting date of each month, the repricing task is used to determine whether the starting date of each month is within the latest benchmark interest rate release cycle;

[0029] If the repricing date agreed in the business is the start date of each quarter, the repricing task is used to determine whether the start date of each quarter is within the latest benchmark interest rate release cycle;

[0030] If the repricing date agreed in the business is a specified date each year, the repricing task is used to determine whether the specified date each year is within the latest benchmark interest rate release cycle.

[0031] In a possible implementation, re-determining the business data related to the benchmark interest rate in the target business agreement according to the latest published benchmark interest rate through the repricing task includes:

[0032] Recalculating the repricing rate in the target business agreement according to the latest benchmark interest rate released recently through the repricing task, and calculating the repricing interest according to the repricing rate;

[0033] The payment amount of the current payment cycle corresponding to the business agreement is updated according to the repricing interest and the repricing method corresponding to the business agreement to obtain a new business agreement.

[0034] In a possible implementation, calculating the repricing interest according to the repricing rate includes:

[0035] When it is determined through the repricing task that the repricing date is inconsistent with the payment date of the current payment cycle, the current payment cycle is segmented using the repricing date;

[0036] The repricing interest of each segment is calculated separately, the repricing interest of each segment is added together to obtain the repricing interest of the current payment cycle, and the payment amount of the current payment cycle is determined based on the repricing interest.

[0037] In a possible implementation, the repricing interest of each segment is calculated respectively, and the repricing interest of each segment is added together to obtain the repricing interest of the current payment cycle, including:

[0038] Calculate the first repricing interest from the last payment date to the repricing date according to the interest rate before the repricing date through the repricing task;

[0039] Calculate the second repricing interest from the repricing date to the next payment date based on the repricing rate;

[0040] Add the first repricing interest and the second repricing interest to obtain the repricing interest for the current payment cycle.

[0041] In a second aspect, the present application provides a device for re-formulating a business agreement, the device comprising:

[0042] A trigger module, configured to trigger the scheduling of the repricing task when it is determined that the latest benchmark interest rate release time has arrived, through a task scheduling trigger unit configured based on the task scheduling framework;

[0043] The acquisition module is used to schedule the repricing task based on the microservice framework and obtain the latest published benchmark interest rate through the scheduled repricing task;

[0044] A query module, used to query the database for business agreements whose repricing dates are within the latest benchmark interest rate release cycle through the repricing task, obtain a set of business agreements to be repriced, and screen out at least one target business agreement that meets the preset screening conditions;

[0045] A determination module is used to re-determine the business data related to the benchmark interest rate in the target business agreement according to the latest published benchmark interest rate through the repricing task.

[0046] In a third aspect, the present application provides a device for re-formulating a business agreement, the device comprising:

[0047] At least one processor; and a memory communicatively connected to the at least one processor; wherein the memory stores instructions executable by the at least one processor, and the instructions are executed by the at least one processor to enable the at least one processor to perform any one of the methods in the first aspect.

[0048] In a fourth aspect, the present application provides a computer program product, which is used to enable a computer to execute a method in a method for reformulating a business agreement.

[0049] In a fifth aspect, the present application provides a computer storage medium storing a computer program for causing a computer to execute any one of the methods for reformulating a business agreement.

[0050] The present application provides a method, device and equipment for reformulating business agreements, which obtains the latest published benchmark interest rate at a regular basis, queries target business agreements that meet the requirements according to the release time of the latest published interest rate and pre-set screening conditions, and re-determines the business data related to the benchmark interest rate in the target business agreement according to the latest published benchmark interest rate. The method provided by the present application can effectively reduce the pressure of manual repricing, and can repricing business agreements in a timely manner, greatly expanding the business scope. BRIEF DESCRIPTION OF THE DRAWINGS

[0051] Figure 1 A flowchart of a method for re-formulating a business agreement according to an exemplary embodiment of the present invention;

[0052] Figure 2 A task scheduling diagram of a method for re-formulating a business agreement according to an exemplary embodiment of the present invention;

[0053] Figure 3 A schematic diagram of a specific flow chart of a method for re-formulating a business agreement according to an exemplary embodiment of the present invention;

[0054] Figure 4 A query flow diagram of a method for re-formulating a business agreement according to an exemplary embodiment of the present invention;

[0055] Figure 5 A schematic diagram of an update flow of a method for re-formulating a business agreement according to an exemplary embodiment of the present invention;

[0056] Figure 6 A schematic diagram of a device for re-formulating a business agreement according to an exemplary embodiment of the present invention;

[0057] Figure 7A schematic diagram of a device for reformulating a business agreement according to an exemplary embodiment of the present invention. DETAILED DESCRIPTION

[0058] The technical solutions in the embodiments of the present application will be described clearly and in detail below in conjunction with the accompanying drawings. Obviously, the described embodiments are part of the embodiments of the present invention, not all of them. Based on the embodiments in the present invention, all other embodiments obtained by ordinary technicians in this field without creative work are within the scope of protection of the present invention. The acquisition, storage, use, and processing of data in the embodiments of the present application comply with the relevant provisions of national laws and regulations.

[0059] First, the professional terms in the embodiments of the present application are introduced:

[0060] Financial leasing: also known as equipment leasing or modern leasing, is a new type of financial industry that integrates financing and financing of goods, trade and technological upgrading. Its traditional definition means that the lessor purchases the leased object from the equipment provider based on the lessee's specific requirements for the object and his choice of equipment, and leases the object to the lessee for use. The lessee pays rent to the lessor as agreed.

[0061] Repricing: During the lease period agreed in the financing business, if the market benchmark interest rate is adjusted, for the financing business agreement that uses floating interest rates for pricing, it is necessary to adjust the subsequent lease interest rate and leasing plan based on the actual business agreement.

[0062] Task Scheduling Framework Quartz: Quartz is an open source task scheduling framework written entirely in Java. It sets job timing rules through triggers to control the running time of jobs. The Quartz cluster can provide high availability and scalability to the scheduler through the functions of failover and load balancing. It is mainly used to execute scheduled tasks, such as sending information at a scheduled time, generating reports at a scheduled time, etc.

[0063] Microservice framework SpringCloud: is an ordered collection of a series of frameworks. It uses the development convenience of the Spring Boot framework to cleverly simplify the development of distributed system infrastructure, such as service discovery registration, configuration center, message bus, load balancing, circuit breaker, data monitoring, etc., which can all be started and deployed with one click using the Spring Boot development style. Spring Cloud does not reinvent the wheel. It simply combines the more mature and proven service frameworks developed by various companies, repackages them in the Spring Boot style, shields the complex configuration and implementation principles, and ultimately leaves developers with a set of distributed system development toolkits that are easy to understand, deploy, and maintain.

[0064] In the current financial leasing business, most financial leasing companies will manually formulate leasing plans. If the leasing plan is changed in real time according to the latest published benchmark interest rate, it will bring a lot of workload to the business personnel, making the company more inclined to adopt a fixed interest rate; in addition, for repricing business agreements, it is generally repricing on a monthly basis / period basis / monthly basis, that is, the repricing will not be carried out until the repricing date. If the release time of the latest benchmark interest rate is not on the same day as the repricing date, the business agreement will not be repriced, and the latest benchmark interest rate previously released may still be used on the repricing date, which will result in the situation where the business agreement cannot be repriced in time according to the latest benchmark interest rate. In order to solve the above problems, the embodiments of the present application provide a method for reformulating business agreements, such as Figure 1 As shown, the method includes:

[0065] S101: triggering the scheduling of the repricing task when it is determined that the latest benchmark interest rate release time has arrived through a task scheduling triggering unit configured based on the task scheduling framework.

[0066] In the method for re-formulating a business agreement provided in the embodiment of the present application, the latest published benchmark interest rates include multiple types, for example:

[0067] LPR (Loan Prime Rate): The loan market benchmark rate. As the basic loan reference rate, most financial institutions mainly refer to LPR for pricing.

[0068] Shibor (Shanghai Interbank Offered Rate): Interbank offered rate, which has been widely used in the pricing of market-based products.

[0069] Libor (London Interbank Offered Rate): The interbank lending rate is often used as a benchmark for commercial loans, mortgages, and debt issuance. At the same time, the interest rate for floating-rate long-term loans is also determined based on Libor, which is a reference rate for business agreements.

[0070] The release time of different types of latest benchmark interest rates is different. Specifically, the corresponding type of repricing task can be triggered according to the release time of the latest benchmark interest rate.

[0071] S102: Schedule the repricing task based on the microservice framework, and obtain the latest published benchmark interest rate through the scheduled repricing task.

[0072] In this step, the corresponding repricing task is scheduled to obtain the latest benchmark interest rate published on the day as basic data through external consulting firms such as Wind and Bloomberg. The basic data obtained include: the type of the latest benchmark interest rate and the value of the latest benchmark interest rate.

[0073] S103: Through the repricing task, the database is searched for business agreements whose repricing dates are within the latest benchmark interest rate release cycle, a set of business agreements to be repriced is obtained, and at least one target business agreement that meets the preset screening conditions is screened out.

[0074] Through the repricing task, all business agreements in the database are traversed to determine whether the repricing date agreed upon by the leasing company and the customer in each business agreement is within the latest benchmark interest rate release cycle, where the latest benchmark interest rate release cycle is determined by the release time of the latest benchmark interest rate and the last release time. For example, if the LPR interest rate is released on the 20th of each month, the LPR interest rate release cycle is from the 20th of the previous month to the 19th of this month.

[0075] S104: Re-determine the business data related to the benchmark interest rate in the target business agreement according to the latest published benchmark interest rate through the repricing task.

[0076] The business data related to the benchmark interest rate include: the repricing rate, repricing interest and payment amount in the target business agreement. When the above business data is updated, the updated business data will replace the original corresponding business data to generate a new leasing plan.

[0077] After generating a new leasing plan, subsequent accounting processing is also involved, such as updating interest accrual, updating accounts receivable, generating vouchers, etc. Business personnel can perform corresponding accounting processing according to different business agreements, which will not be described in detail here.

[0078] The present application provides a method for reformulating business agreements, by periodically obtaining the latest published benchmark interest rate, and querying target business agreements that meet the requirements based on the release time of the latest published interest rate and pre-set screening conditions, and re-determining the business data related to the benchmark interest rate in the target business agreement based on the latest published benchmark interest rate. The above method can reduce the workload of business personnel, and can repricing business agreements in a timely manner, greatly expanding the business scope.

[0079] The method for re-formulating a business agreement provided in the embodiment of the present application mainly includes two parts: searching for at least one target business agreement that meets the screening conditions, and updating the business agreement. The above two parts will be described below respectively.

[0080] 1. Search for at least one target business agreement that meets the screening criteria.

[0081] In the method disclosed in the embodiment of the present application, before performing the query step, it is first necessary to trigger the scheduling of the repricing task based on the task scheduling framework configuration task scheduling trigger unit.

[0082] The triggering of scheduling of the repricing task in S101 above may be specifically implemented as follows:

[0083] like Figure 2 As shown, the task scheduling framework includes various types of general functional modules, such as: Scheduler: responsible for managing the operating environment of the task scheduling framework Quartz. Quartz is based on a multi-threaded architecture. When it starts, it will initialize a set of threads, which will be used to execute some preset jobs. Among them, the task scheduling trigger unit Trigger and the task detail JobDetail can be registered in Scheduler; Scheduler can bind Trigger to a JobDetail, so that when Trigger is triggered, the corresponding repricing task Job is executed. Scheduler has a scheduler context SchedulerContext, which is similar to ServletContext and stores Scheduler context information. Both Job and Trigger can access the information in SchedulerContext. Scheduler uses a thread pool as the infrastructure for task operation. Tasks improve operation efficiency by sharing threads in the thread pool.

[0084] The task scheduling trigger unit is a class that describes the time triggering rules for triggering the execution of a job. There are two main subclasses: SimpleTrigger and CronTrigger. Simple task trigger is the most suitable choice when it only needs to be triggered once or executed at a fixed time interval; while Cron task trigger can define various scheduling schemes with complex time rules through Cron expressions: such as execution at 9:00 every morning, 5:00 pm on Monday, Wednesday, and Friday, etc. A task is an interface, that is, the object to be scheduled.

[0085] In a possible implementation, the task scheduling triggering unit configured based on the task scheduling framework triggers the scheduling of the repricing task when it is determined that the latest benchmark interest rate release time has arrived, including:

[0086] According to the publishing methods of different types of latest interest rates, the publishing time of each type of latest interest rate is determined; and it is configured to the task scheduling trigger unit based on the task scheduling framework;

[0087] Through the task scheduling trigger unit configured based on the task scheduling framework, when it is determined that the release time of the latest interest rate of any type has arrived, the scheduling of the repricing task of this type is triggered according to the pre-configured task interfaces of different types of repricing tasks.

[0088] For example, the LPR rate is released at 9:15 am, and the Shibor rate is released at 9:30 am. That is, at 9:15 am, according to the release time of the LPR rate type, the task interface of the LPR rate task is scheduled to trigger the scheduling of the LPR rate type repricing task; when it is 9:30 am, according to the release time of the Shibor rate type, the task interface of the Shibor rate task is scheduled to trigger the scheduling of the Shibor rate type repricing task. Since the release time of the LPR rate and the Shibor rate are similar, if one task is scheduled only 15 minutes apart, the server load will be increased to a certain extent, and there may also be business peaks. Therefore, in order to solve the problem of high server load and to avoid business peaks to avoid affecting current business, the scheduling time of the LPR rate task and the Shibor rate task is set to 12:00 am.

[0089] For the same reason, according to the release time of Libor interest rate (11:00 a.m. in other regions, 7:00 p.m. local time), the scheduling time of Libor interest rate task is set to 11:00 p.m. local time.

[0090] After scheduling the corresponding type of repricing tasks, you can start the query step.

[0091] Determining at least one target business agreement in S103 may be specifically implemented as follows:

[0092] In a possible implementation, after determining that a business agreement with a repricing date within the latest benchmark interest rate release cycle is found, at least one target business agreement that meets a preset screening condition is screened out, including:

[0093] From the set of business agreements to be repriced, select at least one target business agreement in which the type of the business agreement interest rate is consistent with the type of the latest benchmark interest rate, the current interest rate value in the business agreement is inconsistent with the latest benchmark interest rate value, and the business agreement is in a valid state.

[0094] Since the data in the database includes business agreements with floating rates and business agreements with fixed rates, and business agreements with fixed rates do not undergo repricing, before verifying the repricing date, business agreements with floating rates can be screened out to facilitate subsequent repricing.

[0095] The repricing date of the business agreement can be in the preset screening conditions, which is a very important screening condition. When screening business agreements, you can first query the business agreements whose repricing dates are within the latest benchmark interest rate release cycle, which saves time for subsequent screening work. The above-mentioned preset screening conditions disclosed above, including the repricing date, do not strictly limit their screening order in the embodiments of this application, but all the above-mentioned pre-selected screening conditions need to be met before the business agreement can be repriced, where the effective status of the business agreement includes that the business agreement is within the pre-agreed effective period and the current payment cycle has not reached the payment date.

[0096] Different from the existing repricing strategies, the method for re-formulating the business agreement disclosed in the embodiment of the present application can adopt a variety of different repricing strategies. In addition to supporting the use of multiple types of interest rates, it can also adopt a variety of repricing strategies to determine the repricing date. Specifically, the repricing date can be determined by any of the following methods, including:

[0097] If the repricing strategy is monthly or daily repricing, the repricing date agreed upon in the business shall be the interest value date agreed upon in the business;

[0098] If the repricing strategy is to reprice on schedule, the repricing date agreed upon in the business shall be the payment date of each payment cycle;

[0099] If the repricing strategy is monthly repricing, the repricing date of the business agreement shall be the starting day of each month;

[0100] If the repricing strategy is quarterly repricing, the repricing date of the business agreement shall be the starting date of each quarter;

[0101] If the repricing strategy is to repricing on a specified date, the repricing date of the business agreement shall be the specified date of each year;

[0102] If the repricing strategy is to repricing according to the latest benchmark interest rate publication date, the repricing date agreed in the business shall be determined as the latest benchmark interest rate publication date.

[0103] In a possible implementation, after determining the repricing date by any of the above repricing strategies, further determining whether the repricing date is within the latest benchmark interest rate publication cycle includes at least one of the following:

[0104] If the repricing date agreed in the business is the value date agreed in the business, determine whether the value date agreed in the business is within the latest benchmark interest rate release cycle through the repricing task;

[0105] If the repricing date agreed in the business is the payment date of each payment cycle, the repricing task is used to determine whether the payment date of each payment cycle is within the latest benchmark interest rate release cycle;

[0106] If the repricing date agreed in the business is the starting date of each month, the repricing task is used to determine whether the starting date of each month is within the latest benchmark interest rate release cycle;

[0107] If the repricing date agreed in the business is the start date of each quarter, the repricing task is used to determine whether the start date of each quarter is within the latest benchmark interest rate release cycle;

[0108] If the repricing date agreed in the business is a specified date each year, the repricing task is used to determine whether the specified date each year is within the latest benchmark interest rate release cycle.

[0109] 2. How to update business agreements.

[0110] In the above S104, the business data related to the benchmark interest rate in the target business agreement is re-determined according to the latest published benchmark interest rate, which can be specifically implemented as follows:

[0111] In a possible implementation, re-determining the business data related to the benchmark interest rate in the target business agreement according to the latest published benchmark interest rate through the repricing task includes:

[0112] Recalculating the repricing rate in the target business agreement according to the latest benchmark interest rate released recently through the repricing task, and calculating the repricing interest according to the repricing rate;

[0113] The payment amount of the current payment cycle corresponding to the business agreement is updated according to the repricing interest and the repricing method corresponding to the business agreement to obtain a new business agreement.

[0114] Among them, recalculating the repricing rate in the target business agreement can be achieved through Formula 1:

[0115] Repricing rate = latest benchmark rate + current interest rate floating value Formula 1

[0116] The current floating interest rate value in Formula 1 is pre-agreed upon when the business agreement is made.

[0117] In a possible implementation, calculating the repricing interest according to the repricing rate includes:

[0118] When it is determined through the repricing task that the repricing date is inconsistent with the payment date of the current payment cycle, the current payment cycle is segmented using the repricing date;

[0119] The repricing interest of each segment is calculated separately, the repricing interest of each segment is added together to obtain the repricing interest of the current payment cycle, and the payment amount of the current payment cycle is determined based on the repricing interest.

[0120] Among them, the repricing interest can be calculated by formula 2:

[0121] Repricing interest = remaining unpaid principal * number of days the principal is occupied * repricing execution rate / 365 Formula 2

[0122] The process of calculating interest includes two situations: the repricing date is between payment periods, that is, the repricing date is inconsistent with the payment date of the current payment cycle, and the repricing date = payment date.

[0123] 1) The repricing date is between payment periods.

[0124] Calculate the first repricing interest from the last payment date to the repricing date according to the interest rate before the repricing date through the repricing task;

[0125] Calculate the second repricing interest from the repricing date to the next payment date based on the repricing rate;

[0126] Add the first repricing interest and the second repricing interest to obtain the repricing interest for the current payment cycle.

[0127] 2) Repricing date = payment date.

[0128] The number of days the principal is occupied = the total number of days in the repayment period = the payment date of the next payment cycle - the repricing date (the payment date of the previous payment cycle). The calculated interest is the repricing interest for this period. At this time, the repricing interest is calculated using the repricing rate.

[0129] Determining the payment amount for the current payment cycle according to the repricing interest includes any of the following methods:

[0130] Different business agreements will use different pricing methods, such as equal principal and interest, equal principal, specified principal, etc. Each pricing method calculates the leasing plan slightly differently, which is briefly explained here:

[0131] 1) Equal principal and interest: Calculate the cumulative discount rate based on the discount rate formula and the repricing execution rate. The subsequent rent for each period = remaining unpaid principal / cumulative discount rate, and the principal = payment amount-repricing interest.

[0132] 2) Specified principal, equal principal installments: the principal remains unchanged before and after repricing, and the payment amount = principal + repricing interest.

[0133] After the principal, interest and rent are calculated, a new lease plan is generated and takes effect in the business agreement. Subsequent customer repayments will be made in accordance with the new lease plan.

[0134] The formula used to calculate the relevant business data can be calculated according to relevant regulations and agreements with users. In the embodiments of the present application, only a brief introduction is given without detailed description.

[0135] The specific process of re-formulating a business agreement provided in the embodiment of the present application is introduced below:

[0136] like Figure 3-Figure 5 As shown:

[0137] S301: Repricing task is triggered;

[0138] S302: Obtain the latest published benchmark interest rate;

[0139] S401: Filter all business agreements using floating interest rates in the database to obtain a business agreement result set;

[0140] S402: Obtain the repricing date agreed upon in the business;

[0141] S403: Check whether the repricing date is within the latest benchmark interest rate release cycle. If so, execute S404; otherwise, end the query;

[0142] S404: Check whether the current interest rate in the business agreement is consistent with the latest benchmark interest rate. If not, execute S405; otherwise, end the query;

[0143] S405: Determine whether the business agreement is in a valid state, if so, execute S303, otherwise, end the query;

[0144] S303: Determine the target business agreement;

[0145] S304: Calculate the repricing rate;

[0146] S501: Determine whether the payment date is consistent with the repricing date, if not, execute S502, otherwise, execute S503;

[0147] S502: Divide the payment cycle into segments and calculate the repricing interest for each segment respectively;

[0148] S503: The payment cycle is not segmented, and the repricing interest of the current payment cycle is calculated using the repricing interest rate;

[0149] S504: Calculate the payment amount of the current payment cycle based on the repricing interest and generate a new lease plan; S305: Account processing.

[0150] Based on the same inventive concept, the embodiment of the present application also provides a device 600 for re-formulating a business agreement, such as Figure 6 As shown, the device comprises:

[0151] A trigger module 601 is used to trigger the scheduling of the repricing task when it is determined that the latest benchmark interest rate release time has arrived through a task scheduling trigger unit configured based on the task scheduling framework;

[0152] An acquisition module 602 is used to schedule a repricing task based on a microservice framework, and obtain the latest published benchmark interest rate through the scheduled repricing task;

[0153] A query module 603 is used to query the database for business agreements whose repricing dates are within the latest benchmark interest rate release cycle through the repricing task, obtain a set of business agreements to be repriced, and filter out at least one target business agreement that meets the preset filtering conditions;

[0154] The determination module 604 is used to redetermine the business data related to the benchmark interest rate in the target business agreement according to the latest published benchmark interest rate through the repricing task.

[0155] In a possible implementation, the trigger module 601 is used to trigger the scheduling of the repricing task when it is determined that the latest benchmark interest rate release time has arrived through a task scheduling trigger unit configured based on the task scheduling framework, including:

[0156] According to the publishing methods of different types of latest interest rates, the publishing time of each type of latest interest rate is determined; and it is configured to the task scheduling trigger unit based on the task scheduling framework.

[0157] By configuring a task scheduling trigger unit based on the task scheduling framework, when the release time of the latest interest rate of any type is determined, the scheduling of the corresponding repricing task is triggered.

[0158] In a possible implementation, the trigger module 601 is used to determine that when the release time of the latest interest rate of any type is reached, trigger the scheduling of the corresponding repricing task, including:

[0159] When it is determined that the release time of the latest interest rate of any type has arrived, the scheduling of the repricing task of this type is triggered according to the pre-configured task interface of the different types of repricing tasks.

[0160] In a possible implementation, the query module 603 is used to filter out at least one target business agreement that meets a preset filtering condition, including:

[0161] From the set of business agreements to be repriced, select at least one target business agreement in which the type of the business agreement interest rate is consistent with the type of the latest benchmark interest rate, the current interest rate value in the business agreement is inconsistent with the latest benchmark interest rate value, and the business agreement is in a valid state.

[0162] In a possible implementation, the determination module 604 is configured to determine the repricing date in any of the following ways, including:

[0163] If the repricing strategy is monthly or daily repricing, the repricing date agreed upon in the business shall be the interest value date agreed upon in the business;

[0164] If the repricing strategy is to reprice on schedule, the repricing date agreed upon in the business shall be the payment date of each payment cycle;

[0165] If the repricing strategy is monthly repricing, the repricing date of the business agreement shall be the starting day of each month;

[0166] If the repricing strategy is quarterly repricing, the repricing date of the business agreement shall be the starting date of each quarter;

[0167] If the repricing strategy is to repricing on a specified date, the repricing date of the business agreement shall be the specified date of each year;

[0168] If the repricing strategy is to repricing according to the latest benchmark interest rate publication date, the repricing date agreed in the business shall be determined as the latest benchmark interest rate publication date.

[0169] In a possible implementation, the query module 603 is further configured to query the database for business agreements with a repricing date within the latest benchmark interest rate publication cycle through the repricing task, including at least one of the following:

[0170] Determine the latest benchmark interest rate release cycle based on the latest benchmark interest rate release time and the last release time;

[0171] If the repricing date agreed in the business is the value date agreed in the business, determine whether the value date agreed in the business is within the latest benchmark interest rate release cycle through the repricing task;

[0172] If the repricing date agreed in the business is the payment date of each payment cycle, the repricing task is used to determine whether the payment date of each payment cycle is within the latest benchmark interest rate release cycle;

[0173] If the repricing date agreed in the business is the starting date of each month, the repricing task is used to determine whether the starting date of each month is within the latest benchmark interest rate release cycle;

[0174] If the repricing date agreed in the business is the start date of each quarter, the repricing task is used to determine whether the start date of each quarter is within the latest benchmark interest rate release cycle;

[0175] If the repricing date agreed in the business is a specified date each year, the repricing task is used to determine whether the specified date each year is within the latest benchmark interest rate release cycle.

[0176] In a possible implementation, the determination module 604 is further configured to re-determine the business data related to the benchmark interest rate in the target business agreement according to the latest published benchmark interest rate through the repricing task, including:

[0177] Recalculating the repricing rate in the target business agreement according to the latest benchmark interest rate released recently through the repricing task, and calculating the repricing interest according to the repricing rate;

[0178] The payment amount of the current payment cycle corresponding to the business agreement is updated according to the repricing interest and the repricing method corresponding to the business agreement to obtain a new business agreement.

[0179] In a possible implementation, the calculation module is used to calculate the repricing interest according to the repricing interest rate, including:

[0180] When it is determined through the repricing task that the repricing date is inconsistent with the payment date of the current payment cycle, the current payment cycle is segmented using the repricing date;

[0181] The repricing interest of each segment is calculated separately, the repricing interest of each segment is added together to obtain the repricing interest of the current payment cycle, and the payment amount of the current payment cycle is determined based on the repricing interest.

[0182] In a possible implementation manner, the calculation module is further used to segment the current payment cycle using the repricing date and calculate the repricing interest of each segment respectively, including:

[0183] Calculate the first repricing interest from the last payment date to the repricing date according to the interest rate before the repricing date through the repricing task;

[0184] Calculate the second repricing interest from the repricing date to the next payment date based on the repricing rate;

[0185] Add the first repricing interest and the second repricing interest to obtain the repricing interest for the current payment cycle.

[0186] Based on the same inventive concept, the present application implements a device for re-formulating a business agreement, such as Figure 7As shown, the device includes at least one processor; and a memory communicatively connected to the at least one processor; wherein the memory stores instructions executable by the at least one processor, and the instructions are executed by the at least one processor so that the at least one processor can execute any method of reformulating a business agreement in the above-mentioned embodiments.

[0187] Refer to the following Figure 7 The electronic device 130 according to this embodiment of the present application is described. Figure 7 The electronic device 130 shown is merely an example and should not bring any limitation to the functions and scope of use of the embodiments of the present application.

[0188] like Figure 7 As shown, the electronic device 130 is in the form of a general electronic device. The components of the electronic device 130 may include but are not limited to: the at least one processor 131, the at least one memory 132, and a bus 133 connecting different system components (including the memory 132 and the processor 131).

[0189] The processor 131 is used to read and execute instructions in the memory 132, so that the at least one processor can execute a method for reformulating a service agreement provided in the above embodiment.

[0190] Bus 133 represents one or more of several types of bus structures, including a memory bus or memory controller, a peripheral bus, a processor, or a local bus using any of a variety of bus architectures.

[0191] The memory 132 may include a readable medium in the form of a volatile memory, such as a random access memory (RAM) 1321 and / or a cache memory 1322 , and may further include a read-only memory (ROM) 1323 .

[0192] The memory 132 may also include a program / utility 1325 having a set (at least one) of program modules 1324, such program modules 1324 including but not limited to: an operating system, one or more application programs, other program modules, and program data, each of which or some combination may include an implementation of a network environment.

[0193] The electronic device 130 may also communicate with one or more external devices 134 (e.g., keyboards, pointing devices, etc.), may also communicate with one or more devices that enable a user to interact with the electronic device 130, and / or communicate with any device that enables the electronic device 130 to communicate with one or more other electronic devices (e.g., routers, modems, etc.). Such communication may be performed via an input / output (I / O) interface 135. Furthermore, the electronic device 130 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) via a network adapter 136. As shown, the network adapter 136 communicates with other modules for the electronic device 130 via a bus 133. It should be understood that, although not shown in the figure, other hardware and / or software modules may be used in conjunction with the electronic device 130, including but not limited to: microcode, device drivers, redundant processors, external disk drive arrays, RAID systems, tape drives, and data backup storage systems.

[0194] In some possible implementations, various aspects of a method for reformulating a business agreement provided by the present application may also be implemented in the form of a program product, which includes program code. When the program product runs on a computer device, the program code is used to enable the computer device to execute the steps of a method for reformulating a business agreement according to various exemplary implementations of the present application described above in this specification.

[0195] In addition, the present application also provides a computer-readable storage medium, wherein the computer storage medium stores a computer program, wherein the computer program is used to enable a computer to execute any of the methods described in the above embodiments.

[0196] These computer program instructions may 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 including 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.

[0197] 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. Figure 1 A process or multiple processes and / or boxes Figure 1 A step that specifies a function in one or more boxes.

[0198] Although the preferred embodiments of the present application have been described, those skilled in the art may make additional changes and modifications to these embodiments once they have learned the basic creative concept. Therefore, the appended claims are intended to be interpreted as including the preferred embodiments and all changes and modifications falling within the scope of the present application.

[0199] Obviously, those skilled in the art can make various changes and modifications to the present application without departing from the spirit and scope of the present application. Thus, if these modifications and variations of the present application fall within the scope of the claims of the present application and their equivalents, the present application is also intended to include these modifications and variations.

Claims

1. A method for reformulating a business agreement, characterized in that: The method comprises: Through the task scheduling trigger unit configured based on the task scheduling framework, when it is determined that the latest benchmark interest rate release time has arrived, the scheduling of the repricing task is triggered; Schedule repricing tasks based on the microservice framework and obtain the latest published benchmark interest rates through scheduled repricing tasks; Through the repricing task, the database is searched for business agreements whose repricing dates are within the latest benchmark interest rate release cycle, a set of business agreements to be repriced is obtained, and at least one target business agreement is screened out, the type of the business agreement interest rate is consistent with the type of the latest benchmark interest rate, the current interest rate value in the business agreement is inconsistent with the latest benchmark interest rate value, and the business agreement is in a valid state; Re-determine the business data related to the benchmark interest rate in the target business agreement according to the latest published benchmark interest rate through the repricing task; The repricing date agreed upon in the business is determined by any of the following methods: If the repricing strategy is to repricing on a monthly and daily basis, the repricing date of the business agreement shall be determined as the interest accrual date of the business agreement; if the repricing strategy is to repricing on a scheduled basis, the repricing date of the business agreement shall be determined as the payment date of each payment cycle; if the repricing strategy is to repricing on a monthly basis, the repricing date of the business agreement shall be determined as the starting date of each month; if the repricing strategy is to repricing on a quarterly basis, the repricing date of the business agreement shall be determined as the starting date of each quarter; if the repricing strategy is to repricing on a specified date, the repricing date of the business agreement shall be determined as the specified date of each year; if the repricing strategy is to repricing on the latest benchmark interest rate publication date, the repricing date of the business agreement shall be determined as the latest benchmark interest rate publication date.

2. The method according to claim 1, characterized in that The task scheduling triggering unit configured based on the task scheduling framework triggers the scheduling of the repricing task when it is determined that the latest benchmark interest rate release time has arrived, including: According to the publishing methods of different types of latest interest rates, the publishing time of each type of latest interest rate is determined; and it is configured to the task scheduling trigger unit based on the task scheduling framework; By configuring a task scheduling trigger unit based on the task scheduling framework, when the release time of the latest interest rate of any type is determined, the scheduling of the corresponding repricing task is triggered.

3. The method according to claim 2, characterized in that When the release time of the latest interest rate of any type is reached, the scheduling of the corresponding repricing task is triggered, including: When it is determined that the release time of the latest interest rate of any type has arrived, the scheduling of the repricing task of this type is triggered according to the pre-configured task interface of the different types of repricing tasks.

4. The method according to claim 1, characterized in that The business agreements whose repricing dates are within the latest benchmark interest rate release cycle are queried in the database through the repricing task, including at least one of the following: Determine the latest benchmark interest rate release cycle based on the latest benchmark interest rate release time and the last release time; If the repricing date agreed in the business is the value date agreed in the business, determine whether the value date agreed in the business is within the latest benchmark interest rate release cycle through the repricing task; If the repricing date agreed in the business is the payment date of each payment cycle, the repricing task is used to determine whether the payment date of each payment cycle is within the latest benchmark interest rate release cycle; If the repricing date agreed in the business is the starting date of each month, the repricing task is used to determine whether the starting date of each month is within the latest benchmark interest rate release cycle; If the repricing date agreed in the business is the start date of each quarter, the repricing task is used to determine whether the start date of each quarter is within the latest benchmark interest rate release cycle; If the repricing date agreed in the business is a specified date each year, the repricing task is used to determine whether the specified date each year is within the latest benchmark interest rate release cycle.

5. The method according to claim 1, characterized in that Through the repricing task, the business data related to the benchmark interest rate in the target business agreement is re-determined according to the latest published benchmark interest rate, including: Recalculating the repricing rate in the target business agreement according to the latest published benchmark interest rate through the repricing task, and calculating the repricing interest according to the repricing rate; The payment amount of the current payment cycle corresponding to the business agreement is updated according to the repricing interest and the repricing method corresponding to the business agreement to obtain a new business agreement.

6. The method according to claim 5, characterized in that The repricing interest is calculated based on the repricing rate stated, including: When it is determined through the repricing task that the repricing date is inconsistent with the payment date of the current payment cycle, the current payment cycle is segmented using the repricing date; The repricing interest of each segment is calculated separately, the repricing interest of each segment is added together to obtain the repricing interest of the current payment cycle, and the payment amount of the current payment cycle is determined based on the repricing interest.

7. The method according to claim 6, characterized in that Calculate the repricing interest for each segment separately, and add up the repricing interest for each segment to get the repricing interest for the current payment cycle, including: Calculate the first repricing interest from the last payment date to the repricing date according to the interest rate before the repricing date through the repricing task; Calculate the second repricing interest from the repricing date to the next payment date based on the repricing rate; Add the first repricing interest and the second repricing interest to obtain the repricing interest for the current payment cycle.

8. A device for re-formulating a business agreement, characterized in that: The device comprises: A trigger module, configured to trigger the scheduling of the repricing task when it is determined that the latest benchmark interest rate release time has arrived, through a task scheduling trigger unit configured based on the task scheduling framework; The acquisition module is used to schedule the repricing task based on the microservice framework and obtain the latest published benchmark interest rate through the scheduled repricing task; A query module is used to query the database for business agreements whose repricing dates are within the latest benchmark interest rate release cycle through the repricing task, obtain a set of business agreements to be repriced, and screen out at least one target business agreement in which the type of the business agreement interest rate is consistent with the type of the latest benchmark interest rate, the current interest rate value in the business agreement is inconsistent with the latest benchmark interest rate value, and the business agreement is in a valid state; A determination module, configured to re-determine the business data related to the benchmark interest rate in the target business agreement according to the latest published benchmark interest rate through the repricing task; The repricing date agreed upon in the business is determined by any of the following methods: If the repricing strategy is to repricing on a monthly and daily basis, the repricing date of the business agreement shall be determined as the interest accrual date of the business agreement; if the repricing strategy is to repricing on a scheduled basis, the repricing date of the business agreement shall be determined as the payment date of each payment cycle; if the repricing strategy is to repricing on a monthly basis, the repricing date of the business agreement shall be determined as the starting date of each month; if the repricing strategy is to repricing on a quarterly basis, the repricing date of the business agreement shall be determined as the starting date of each quarter; if the repricing strategy is to repricing on a specified date, the repricing date of the business agreement shall be determined as the specified date of each year; if the repricing strategy is to repricing on the latest benchmark interest rate publication date, the repricing date of the business agreement shall be determined as the latest benchmark interest rate publication date.

9. A device for reformulating a business agreement, characterized in that The device comprises: At least one processor; and a memory communicatively connected to the at least one processor; wherein the memory stores instructions executable by the at least one processor, the instructions being executed by the at least one processor so that the at least one processor can execute the method as described in any one of claims 1-7.

10. A computer program product, characterized in that The computer program product is used to make a computer execute the method according to any one of claims 1-7.

11. A computer storage medium, characterized in that: The computer storage medium stores a computer program, and the computer program is used to make a computer execute the method according to any one of claims 1 to 7.

Images