Operation Method of Bank Approval Process, Computer Device and Storage Medium

Abstract

The present application discloses a method for operating a bank approval process, a computer device, and a storage medium. The method includes obtaining banking business data; generating a first business approval chain based on the banking business data; sending the first business approval chain to an approval system so that the approval system enters the approval process corresponding to the first business approval chain; in response to receiving feedback information returned by the approval system due to an overly long approval process and being returned, generating a second business approval chain starting from the corresponding approval node to be returned; and sending the second business approval chain to the approval system so that the approval system enters the approval process corresponding to the second business approval chain. By the above method, the present application simplifies the approval process and improves the approval efficiency.

Description

Technical Field

[0001] This application relates to the technical field of bank management, and particularly to an operation method for bank approval processes, computer equipment, and storage media. Background Art

[0002] In bank management, the approval process is a very important part. In actual operation and management, when banks face specific businesses of different customers, the pricing approval of business interest rates needs to follow differentiated approval requirements. By setting multiple approval nodes to form an approval chain, and going through approvals at different levels such as various bank departments, bank branches, and bank headquarters, etc., to ensure the reasonableness of business interest rates.

[0003] However, the current approval process is relatively complex, and problems such as an overly long approval chain may occur, resulting in duplicate work, low approval efficiency, and inability to meet actual needs. Summary of the Invention

[0004] The main technical problem to be solved by this application is to provide an operation method for bank approval processes, computer equipment, and storage media, which can simplify the approval process and improve approval efficiency.

[0005] To solve the above technical problem, the first technical solution adopted by this application is: to provide an operation method for bank approval processes, the method includes: obtaining bank business data; generating a first business approval chain according to the bank business data; sending the first business approval chain to an approval system so that the approval system enters the approval process corresponding to the first business approval chain; in response to receiving feedback information returned by the approval system due to an overly long approval process and being returned, generating a second business approval chain starting from the corresponding returned approval node; sending the second business approval chain to the approval system so that the approval system enters the approval process corresponding to the second business approval chain.

[0006] To solve the above technical problem, the second technical solution adopted by this application is: to provide an operation method for bank approval processes, the method includes: obtaining bank business data; generating a first business approval chain according to the bank business data; determining whether the number of approval nodes in the first business approval chain exceeds a threshold; in response to exceeding the threshold, splitting the first business approval chain into at least two sub-business approval chains with the number of corresponding approval nodes not exceeding the threshold in sequence; sending the first sub-business approval chain among the at least two sub-business approval chains to the approval system so that the approval system enters the approval process corresponding to the first sub-business approval chain; in response to receiving feedback information indicating approval of the approval process, sending the feedback information and the second sub-business approval chain to the approval system so that the approval system enters the approval process corresponding to the second sub-business approval chain, and so on, until all sub-business approval chains are sent to the approval system.

[0007] To solve the above technical problems, the third technical solution adopted in this application is: to provide a computer device, which includes a processor, a memory, and a communication circuit. The processor is respectively connected to the memory and the communication circuit. Among them, the communication circuit is used for communication connection, the memory is used for storing computer programs, and the processor is used for executing the computer programs to implement the methods provided in the first technical solution and the second technical solution of this application as described above.

[0008] To solve the above technical problems, the fourth technical solution adopted in this application is: to provide a computer-readable storage medium, on which a computer program is stored. When the computer program is executed by a processor, it implements the methods provided in the first technical solution and the second technical solution of this application as described above.

[0009] The beneficial effects of this application are as follows: Different from the prior art, after obtaining banking business data, a first business approval chain is generated based on the banking business data, and the first business approval chain is sent to the approval system so that the approval system enters the approval process corresponding to the first business approval chain. After receiving the feedback information returned by the approval system that the approval process is too long and is rejected, a second business approval chain is generated starting from the corresponding rejected approval node, and the second business approval chain is sent to the approval system so that the approval system enters the approval process corresponding to the second business approval chain. Through the operations of the above approval process, it is realized that a business approval chain is automatically generated based on the obtained banking business data, and after the business approval chain is too long and is rejected, an approval chain is generated from the rejected node and a second approval is initiated, without having to repeat the approved approval nodes, saving labor costs, simplifying the approval process, and improving the approval efficiency. Description of the Drawings

[0010] Figure 1 is a schematic block diagram of the system composition of the embodiment of the bank approval process operation system of this application;

[0011] Figure 2 is a schematic flowchart of the first embodiment of the bank approval process operation method of this application;

[0012] Figure 3 is a schematic timing diagram of the process of the first embodiment of the bank approval process operation method of this application;

[0013] Figure 4 is a schematic flowchart of the second embodiment of the bank approval process operation method of this application;

[0014] Figure 5 is a schematic block diagram of the structure of the embodiment of the computer device of this application;

[0015] Figure 6 is a schematic block diagram of the structure of the embodiment of the computer-readable storage medium of this application. Detailed implementation manners

[0016] The technical solutions in the embodiments of the present application will be clearly and completely described below with reference to the accompanying drawings in the embodiments of the present application. Obviously, the described embodiments are only a part of the embodiments of the present application, rather than all the embodiments. All other embodiments obtained by those of ordinary skill in the art based on the embodiments of the present application without creative efforts shall fall within the protection scope of the present application.

[0017] Corporate business is an important part of banking business. Corporate business includes various businesses such as credit business, institutional business, and international business. In actual operation and management, the interest rate pricing of corporate business in banks needs to be approved through a series of approval nodes to reduce the risk of the business and ensure the reasonableness of the interest rate.

[0018] The inventors of the present application have found through long-term research that currently, an approval chain is composed of multiple approval nodes combined in a certain order, and it is necessary to distinguish the approvals at multiple levels such as each department of the bank, bank branches, and bank head offices. In order to meet the requirements of approval efficiency, the number of approval nodes is limited. However, in actual operation and management, there are problems such as an overly long approval chain, resulting in repeated work after the approval chain is rejected, and the approval efficiency cannot be guaranteed, unable to meet the actual needs. For example, after the approval system enters the approval process according to the approval chain and finds that the approval process is overly long, the approval chain is rejected. After rejection, it is necessary to manually re-enter, for example, banking business data, register authorization parameters, etc., and then send the modified approval chain to the approval system again, resulting in low efficiency. In order to improve or solve the above technical problems, the present application proposes at least the following embodiments.

[0019] As Figure 1 shown, the bank approval process operating system 1 described in the embodiment of the bank approval process operating system of the present application at least includes, for example, a server 10 and a user terminal 20. The user terminal 20 may be an electronic device, specifically a mobile terminal, a computer, a server, or other terminals, etc. The mobile terminal may be a mobile phone, a laptop computer, a tablet computer, a smart wearable device, etc., and the computer may be a desktop computer, etc. The server 10 obtains banking business data, generates a first business approval chain using the obtained banking business data, and sends the first business approval chain to the approval system to enter the approval process. When the approval system returns feedback information that the approval process is overly long and is rejected, a second business approval chain is generated starting from the corresponding approval node that is rejected, and the second business approval chain is sent to the approval system. The user terminal 20 enters banking business data for the server 10 to obtain, and after the approval system rejects the first business approval chain due to an overly long approval process, the user terminal 20 sends an instruction to cause the server 10 to generate a second business approval chain starting from the corresponding approval node that is rejected, and cause the server 10 to send the second business approval chain to the approval system.

[0020] For details, refer to the description of the embodiment of the operation method of the bank approval process of the present application as follows.

[0021] As Figure 2 shown, the first embodiment of the operation method of the bank approval process described in the present application may include:

[0022] Step S100: Obtain banking business data.

[0023] Step S200: Generate a first business approval chain based on the banking business data.

[0024] Step S300: Send the first business approval chain to the approval system so that the approval system enters the approval process corresponding to the first business approval chain.

[0025] Step S400: In response to the feedback information returned by the approval system that the approval process is too long and is returned, generate a second business approval chain starting from the corresponding approval node where it is returned.

[0026] Step S500: Send the second business approval chain to the approval system so that the approval system enters the approval process corresponding to the second business approval chain.

[0027] After obtaining the banking business data, generate a first business approval chain based on the banking business data, send the first business approval chain to the approval system so that the approval system enters the approval process corresponding to the first business approval chain. After receiving the feedback information returned by the approval system that the approval process is too long and is returned, generate a second business approval chain starting from the corresponding approval node where it is returned, and send the second business approval chain to the approval system so that the approval system enters the approval process corresponding to the second business approval chain. Through the operations of the above approval process, it is realized to automatically generate a business approval chain based on the obtained banking business data, and after the business approval chain is too long and is returned, generate an approval chain from the returned node and initiate a second approval, without repeating the approved approval nodes, saving labor costs, simplifying the approval process, and improving the approval efficiency.

[0028] The following provides a detailed description of the first embodiment of the operation method of the bank approval process of the present application.

[0029] Step S100: Obtain banking business data.

[0030] Banking business data may refer to the relevant data of customers handling business and the relevant data of the business to be handled by customers. Banking business data is, for example, the existing, complete, and verifiable data of a certain business at a given time point, such as the type of customer, the duration of the business, the amount involved in the specific business, etc. The type of customer may include, for example, manufacturing customers and non-manufacturing customers, diamond customers and non-diamond customers, etc. For example, a piece of banking business data is "Company XX, a manufacturing customer, a non-diamond customer, and the duration of the business is five years."

[0031] Optionally, the banking business data can be entered by the user terminal 20 and obtained by the server 10. Specifically, the following steps included in step S100 can be referred to:

[0032] Step S110: Present a business data editing interface to the user.

[0033] When the business data editing interface is presented on the user terminal 20, the user can perform editing operations on this business data editing interface to enter the banking business data.

[0034] Step S120: Respond to the user's editing operation on the business data editing interface and enter the banking business data.

[0035] After the user performs an editing operation on the business data editing interface, the user terminal 20 enters the banking business data. Optionally, the business data editing interface can be provided with a button. After the user completes the editing operation of the banking business data on the business data editing interface presented on the user terminal 20, by clicking this button, the user terminal 20 enters the banking business data edited by the user and sends an instruction to the server 10 so that the server 10 can obtain this banking business data.

[0036] Step S130: Obtain the banking business data.

[0037] After the user terminal 20 enters the banking business data, the server 10 obtains the entered banking business data. Optionally, the server 10 can respond to the instruction sent by the user terminal 20 and obtain the banking business data entered by the user terminal 20.

[0038] Step S200: Generate a first business approval chain based on the banking business data.

[0039] The business approval chain is composed of multiple approval nodes combined in a certain order. Among them, the approval nodes include different levels such as each department of the bank, bank branches, and the bank head office, etc. However, in a specific approval chain, not all levels of approval nodes may be passed according to requirements. For example, the approval nodes include a staff member of a certain department of a bank branch, the supervisor of a certain department of a bank branch, the president of a bank branch, the president of the bank head office, etc., and a certain approval chain is "a staff member of a certain department of a bank branch - the supervisor of a certain department of a bank branch - the president of a bank branch".

[0040] Optionally, generating a first business approval chain based on banking business data includes performing authorization configuration on the banking business data through an authorization matrix to generate the first business approval chain. The authorization matrix includes at least one authorization dimension among institution, term, customer type, product, and authorization threshold, and different dimension parameters are preset by the management department.

[0041] Among them, the institution can be represented by a code composed of numbers and letters, or by the name of the institution, or by a combination of both; the term can be represented by a specific number of years or by a certain range of years, for example, a certain term dimension is "one year to five years (including five years)"; the customer type can include, for example, diamond customers, non-diamond customers, etc. Generating a business approval chain by means of authorization configuration according to the authorization matrix can reduce the manual operations of staff, avoid errors in the approval chain, and reduce labor costs. Moreover, this method can timely adapt to policies to adjust the parameters in the authorization matrix, facilitating unified management to meet different needs in different situations.

[0042] Optionally, generating a first business approval chain based on banking business data includes performing authorization configuration on the banking business data through an authorization matrix and excluding some nodes through an authorization threshold and a preset business identifier to obtain the first business approval chain.

[0043] Among them, the authorization threshold can define that a certain type of business needs to be approved by a certain level or a certain approval node, or define that a certain type of business only needs to reach the approval of a certain approval node in a certain level. For example, a certain business needs to pass through the "bank branch manager" approval node in the "bank branch" level and does not need to pass through the approval node in the "bank head office" level. The preset business identifiers include, for example, green finance identifiers, poverty alleviation identifiers, government finance identifiers, etc. These preset business identifiers facilitate precise special pricing for these customers and meet differentiated pricing requirements. Whether the approval chain needs to pass through certain approval nodes can be identified through the authorization threshold and the preset business identifier, and by excluding some approval nodes, the shortest business approval chain that meets the requirements can be generated.

[0044] Optionally, the first business approval chain generated based on banking business data includes parallel approval nodes or collaborative approval nodes. The parallel approval nodes and collaborative approval nodes combine some approval nodes that used to be sequential, enabling one node to correspond to multiple approvers. Among them, for a parallel approval node, all the multiple persons corresponding to this node need to conduct approvals, and this node can pass only when the approval results of all are passed. For example, if an approval node is "the operator in a certain department of a bank branch", this node is a parallel approval node, and the corresponding approvers are Zhang and Li, then both Zhang and Li need to conduct approvals and pass for this approval node to pass. For a collaborative approval node, this node passes as long as at least one of the multiple persons corresponding to this node approves. For example, if an approval node is "the deputy director of a certain department of the bank", this node is a collaborative approval node, and the corresponding approvers are Wang and Zhao, then as long as Wang or Zhao conducts an approval and passes, this approval node passes. By combining the nodes, the efficiency is improved and the approval process is simplified.

[0045] Step S300: Send the first business approval chain to the approval system so that the approval system enters the approval process corresponding to the first business approval chain.

[0046] After the server 10 sends the first business approval chain to the approval system, the approval system will enter the corresponding approval process and judge whether the approval chain is too long when the approval process reaches a certain number of nodes. If the approval chain is too long, it will be returned, and the server 10 will receive the feedback information that the approval process is too long and the approval chain is returned.

[0047] Step S400: In response to receiving the feedback information that the approval process is too long and the approval chain is returned, generate a second business approval chain starting from the corresponding approval node where it is returned.

[0048] Optionally, the feedback information that the approval process is too long and the approval chain is returned can be displayed on the user terminal 20. The user can initiate a secondary approval, and the server 10 generates a second business approval chain. Specifically, the following steps included in step S400 can be referred to:

[0049] Step S410: Receive the feedback information that the approval process is too long and the approval chain is returned from the approval system.

[0050] If the approval process corresponding to an approval chain is too long, it will affect the execution efficiency of the approval. To ensure the execution efficiency, the approval nodes passed by the approval chain need to meet certain quantity requirements. When the number of approval nodes exceeds the requirement, the server 10 will receive the feedback information that the approval process is too long and the approval chain is returned.

[0051] Step S420: Display the feedback information that the approval process is too long and the approval chain is returned.

[0052] The user terminal 20 displays feedback information to the user that the approval process is too long and has been rejected, and a button for initiating a second approval is provided on the display interface. When the user clicks this button, the user terminal 20 sends an instruction for a second approval to the server 10.

[0053] Step S430: In response to the instruction for the user to initiate a second approval, starting from the corresponding approval node that is rejected, a second business approval chain is generated by attaching the node content, approval opinions, and attachments of the first approval chain.

[0054] The server 10 receives the instruction sent by the user terminal 20 to generate a second business approval chain. When the server 10 generates the second business approval chain starting from the corresponding approval node that is rejected, a second business approval chain is generated by attaching the node content, approval opinions, and attachments of the first business approval chain, so as to ensure that the subsequent approval process is continuous, and there is no need to repeat the previous approval process and preparatory work, reducing repetitive labor and saving labor costs.

[0055] Step S500: Send the second business approval chain to the approval system so that the approval system enters the approval process corresponding to the second business approval chain.

[0056] As Figure 4 shown, in the second embodiment of the operation method of the bank approval process of the present application, the operation method of the bank approval process described may include:

[0057] Step M100: Obtain banking business data.

[0058] Step M200: Generate a first business approval chain according to the banking business data.

[0059] The server 10 performs authorization configuration on the banking business data through an authorization matrix, and obtains the first business approval chain by excluding some nodes through an authorization threshold and a preset business identifier.

[0060] Step M300: Determine whether the number of approval nodes in the first business approval chain exceeds a threshold.

[0061] The threshold is the requirement of the user for the number of approval nodes in the approval chain. The server 10 determines the number of approval nodes in the generated first business approval chain based on the threshold.

[0062] Step M400: In response to exceeding the threshold, split the first business approval chain into at least two sub-business approval chains with the number of corresponding approval nodes not exceeding the threshold in sequence.

[0063] If the number of approval nodes in the first business approval chain exceeds the threshold, in response to exceeding the threshold, the server 10 splits the first business approval chain in sequence based on the threshold. For example, if the threshold is 8 approval nodes and a certain business approval chain has 18 approval nodes, it is determined that the threshold is exceeded, and the approval chain is split in sequence. Among them, the 1st - 8th approval nodes form the first sub - business approval chain after splitting, the 9th - 16th approval nodes form the second sub - business approval chain after splitting, and the 17th - 18th approval nodes form the third sub - business approval chain after splitting. By splitting the overly long business approval chain, the problem of the overly long approval chain can be solved without having to be returned by the approval system, improving the approval efficiency.

[0064] Step M500: Send the first sub - business approval chain among at least two sub - business approval chains to the approval system so that the approval system enters the approval process corresponding to the first sub - business approval chain.

[0065] The server 10 sends the first sub - business approval chain among the split sub - business approval chains to the approval system, causing the approval system to enter the corresponding approval process.

[0066] Step M600: In response to receiving the feedback information passing the approval process from the approval system, send the feedback information and the second sub - business approval chain to the approval system so that the approval system enters the approval process corresponding to the second sub - business approval chain, and so on, until all sub - business approval chains are sent to the approval system.

[0067] The server 10, in response to the completion and passing of the first sub - business approval chain, sends the second sub - business approval chain to the approval system, and attaches the feedback information of the first sub - business approval chain when sending. And so on, after the completion and passing of the previous sub - business approval chain, the server 10 will send the subsequent sub - business approval chain to the approval system in the split order, and attach the feedback information of the previous sub - business approval chain when sending, until all sub - business approval chains are sent.

[0068] By splitting the overly long business approval chain and sending the split sub - business approval chains to the approval system in sequence, the approval system can complete the approval process in sequence, without repeating the previously completed work and without being returned due to the overly long approval chain, realizing the simplification of the approval process and improving the approval efficiency.

[0069] For the content of the second embodiment of the operation method of the bank approval process of this application, reference can be made to the description of the first embodiment of the operation method of the bank approval process of this application above, and details will not be repeated here.

[0070] Such as Figure 5As shown, the electronic device 30 described in the embodiment of the present application may specifically include a processor 310 and a memory 320. The memory 320 is coupled to the processor 310.

[0071] The processor 310 is used to control the operation of the electronic device 30. The processor 310 may also be referred to as a CPU (Central Processing Unit, central processing unit). The processor 310 may be an integrated circuit chip with signal processing capabilities. The processor 310 may also be a general-purpose processor, a digital signal processor (DSP), an application-specific integrated circuit (ASIC), a field-programmable gate array (FPGA), or other programmable logic devices, discrete gate or transistor logic devices, discrete hardware components. The general-purpose processor may be a microprocessor or the processor may also be any conventional processor, etc.

[0072] The memory 320 is used to store computer programs, which may be RAM or ROM, or other types of storage devices. Specifically, the memory 320 may include one or more computer-readable storage media, and the computer-readable storage media may be non-transitory. The memory 320 may also include high-speed random access memory and non-volatile memory, such as one or more disk storage devices and flash storage devices. In some embodiments, the non-transitory computer-readable storage medium in the memory 320 is used to store at least one program code.

[0073] The processor 310 is used to execute the computer program stored in the memory 320 to implement the financial data query processing method described in the embodiment of the financial data query processing method of the present application.

[0074] In some embodiments, the electronic device 30 may further include: a peripheral device interface 330 and at least one peripheral device. The processor 310, the memory 320, and the peripheral device interface 330 may be connected through a bus or signal line. Each peripheral device may be connected to the peripheral device interface 330 through a bus, signal line, or circuit board. Specifically, the peripheral device includes at least one of a radio frequency circuit 340, a display screen 350, an audio circuit 360, and a power supply 370.

[0075] The peripheral device interface 330 may be used to connect at least one peripheral device related to I / O (Input / Output, input / output) to the processor 310 and the memory 320. In some embodiments, the processor 310, the memory 320, and the peripheral device interface 330 are integrated on the same chip or circuit board; in some other embodiments, any one or two of the processor 310, the memory 320, and the peripheral device interface 330 may be implemented on a separate chip or circuit board, and this embodiment does not limit this.

[0076] The radio frequency circuit 340 is used to receive and transmit RF (Radio Frequency) signals, also known as electromagnetic signals. The radio frequency circuit 340 communicates with the communication network and other communication devices through electromagnetic signals, and the radio frequency circuit 340 is the communication circuit of the electronic device 30. The radio frequency circuit 340 converts an electrical signal into an electromagnetic signal for transmission, or converts the received electromagnetic signal into an electrical signal. Optionally, the radio frequency circuit 340 includes: an antenna system, an RF transceiver, one or more amplifiers, a tuner, an oscillator, a digital signal processor, a codec chipset, a user identity module card, and so on. The radio frequency circuit 340 can communicate with other terminals through at least one wireless communication protocol. The wireless communication protocol includes but is not limited to: the World Wide Web, metropolitan area network, intranet, generations of mobile communication networks (2G, 3G, 4G, and 5G), wireless local area network, and / or WiFi (Wireless Fidelity) network. In some embodiments, the radio frequency circuit 340 may further include a circuit related to NFC (Near Field Communication), which is not limited in this application.

[0077] The display screen 350 is used to display a UI (User Interface). The UI may include graphics, text, icons, videos, and any combination thereof. When the display screen 350 is a touch display screen, the display screen 350 also has the ability to collect touch signals on or above the surface of the display screen 350. The touch signal can be input to the processor 310 as a control signal for processing. At this time, the display screen 350 can also be used to provide virtual buttons and / or a virtual keyboard, also known as soft buttons and / or a soft keyboard. In some embodiments, there may be one display screen 350, which is disposed on the front panel of the electronic device 30; in other embodiments, there may be at least two display screens 350, which are respectively disposed on different surfaces of the electronic device 30 or are in a foldable design; in other embodiments, the display screen 350 may be a flexible display screen, which is disposed on a curved surface or a folding surface of the electronic device 30. Even, the display screen 350 can be set to an irregular non-rectangular shape, that is, a special-shaped screen. The display screen 350 can be prepared using materials such as LCD (Liquid Crystal Display) and OLED (Organic Light-Emitting Diode).

[0078] The audio circuit 360 may include a microphone and a speaker. The microphone is used to collect sound waves of the user and the environment, and convert the sound waves into electrical signals for input to the processor 310 for processing, or input to the radio frequency circuit 340 to achieve voice communication. For the purpose of stereo collection or noise reduction, there may be multiple microphones, which are respectively arranged at different parts of the electronic device 30. The microphone may also be an array microphone or an omnidirectional collection microphone. The speaker is used to convert the electrical signal from the processor 310 or the radio frequency circuit 340 into sound waves. The speaker may be a traditional thin film speaker or a piezoelectric ceramic speaker. When the speaker is a piezoelectric ceramic speaker, it can not only convert the electrical signal into sound waves audible to humans, but also convert the electrical signal into sound waves inaudible to humans for uses such as ranging. In some embodiments, the audio circuit 360 may further include a headphone jack.

[0079] The power supply 370 is used to supply power to each component in the electronic device 30. The power supply 370 may be alternating current, direct current, a primary battery or a rechargeable battery. When the power supply 370 includes a rechargeable battery, the rechargeable battery may be a wired rechargeable battery or a wireless rechargeable battery. A wired rechargeable battery is a battery charged through a wired line, and a wireless rechargeable battery is a battery charged through a wireless coil. The rechargeable battery may also be used to support fast charging technology.

[0080] For a detailed description of the functions and execution processes of each functional module or component in the electronic device embodiment of this application, reference may be made to the description in the above-mentioned embodiment of the operation method of the bank approval process in this application, and details will not be repeated here.

[0081] In several embodiments provided in this application, it should be understood that the disclosed electronic device and the operation method of the bank approval process can be implemented in other ways. For example, the above-described embodiments of the electronic device are merely illustrative. For example, the division of modules or units is only a logical function division, and there may be other division methods in actual implementation. For example, multiple units or components may be combined or integrated into another system, or some features may be ignored or not executed. Another point is that the displayed or discussed coupling or direct coupling or communication connection between each other may be through some interfaces, and the indirect coupling or communication connection of devices or units may be in electrical, mechanical or other forms.

[0082] The units described as separate components may or may not be physically separated, and the components displayed as units may or may not be physical units, that is, they may be located in one place, or may be distributed to multiple network units. Some or all of the units may be selected according to actual needs to achieve the purpose of the solution of this embodiment.

[0083] In addition, in each embodiment of the present application, each functional unit can be integrated into one processing unit, or each unit can exist physically alone, or two or more units can be integrated into one unit. The above-mentioned integrated unit can be implemented in the form of hardware or in the form of a software functional unit.

[0084] Refer to Figure 6 , if the above-mentioned integrated unit is implemented in the form of a software functional unit and sold or used as an independent product, it can be stored in a computer-readable storage medium 400. Based on this understanding, the technical solution of the present application, in essence, or the part that contributes to the prior art, or all or part of this technical solution, can be embodied in the form of a software product. This computer software product is stored in a storage medium and includes several instructions / computer programs to enable a computer device (which can be a personal computer, a server, or a network device, etc.) or a processor to execute all or part of the steps of the methods in various embodiments of the present invention. The aforementioned storage medium includes: various media such as USB flash drives, mobile hard disks, read-only memories (ROM, Read-Only Memory), random access memories (RAM, Random Access Memory), magnetic disks or optical discs, as well as electronic devices such as computers, mobile phones, laptops, tablet computers, cameras, etc. having the above storage media.

[0085] The description of the execution process of the program data in the computer-readable storage medium can be referred to the description in the embodiment of the bank approval process operation method of the present application above, and will not be elaborated here.

[0086] The above are only the embodiments of the present application, and do not limit the patent scope of the present application. Any equivalent structure or equivalent process transformation made by using the content of the specification and drawings of the present application, or directly or indirectly applied in other related technical fields, shall be equally included in the patent protection scope of the present application.

Claims

1. A method for operating a bank approval process, characterized in that, Including: Obtain banking business data; Generate a first business approval chain based on the banking business data; Send the first business approval chain to an approval system so that the approval system enters the approval process corresponding to the first business approval chain; In response to receiving feedback information returned by the approval system due to the approval process being too long and being rejected, generate a second business approval chain starting from the approval node corresponding to the rejection; Send the second business approval chain to the approval system so that the approval system enters the approval process corresponding to the second business approval chain.

2. The method according to claim 1, wherein: The generating a second business approval chain starting from the approval node corresponding to the rejection includes: Starting from the approval node corresponding to the rejection, attach the node content, approval opinions, and attachments of the first business approval chain to generate a second business approval chain.

3. The method according to claim 1, wherein: The obtaining banking business data includes: Present a business data editing interface to the user; In response to the user's editing operation on the business data editing interface, enter the banking business data.

4. The method according to claim 3, wherein: The generating a first business approval chain based on the banking business data includes: Perform authorization configuration on the banking business data through an authorization matrix to generate the first business approval chain.

5. The method according to claim 4, wherein: The performing authorization configuration on the banking business data through an authorization matrix to generate the first business approval chain includes: Perform authorization configuration on the banking business data through the authorization matrix, and exclude some nodes through authorization thresholds and preset business identifiers to obtain the first business approval chain.

6. The method according to claim 4, wherein: The authorization matrix includes at least one authorization dimension of institution, term, customer type, product, and authorization threshold.

7. The method according to claim 1, wherein: The generating a first business approval chain based on the banking business data includes: Generate a first business approval chain including parallel approval nodes or collaborative approval nodes according to the banking business data.

8. A computer device, characterized in that, Including: A processor, a memory, and a communication circuit, the processor is respectively connected to the memory and the communication circuit; Wherein, the communication circuit is used for communication connection, the memory is used for storing computer programs, and the processor is used for executing the computer programs to implement the method according to any one of claims 1 to 7.

9. A computer-readable storage medium, characterized in that, A computer program is stored on a computer-readable storage medium, and when the computer program is executed by a processor, the method according to any one of claims 1 to 7 is implemented.

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