Data processing method and device, electronic equipment and storage medium

Abstract

The application relates to the technical field of data processing, and provides a data processing method applied to an electronic device, which comprises the following steps: generating a contract structure view of a syndicated loan; according to the processing of transaction information of the syndicated loan by a user through the contract structure view, sending transaction flow information corresponding to the transaction information of the loan to an accounting engine through a syndicated loan platform to perform linkage accounting; the generation of the contract structure view comprises the following steps: determining a contract number of the syndicated loan, and generating an agent bank contract and each participant bank contract; performing contract structure view construction on the agent bank contract and each participant bank contract, so that the contract information corresponding to the agent bank contract and the contract information corresponding to each participant bank contract are displayed in the contract structure view through the contract number. Thus, the loan-related information of the syndicated loan can be displayed in real time, accurately and comprehensively, and the business management and supervision reporting requirements can be met. The application further provides a data processing device and an electronic device.

Description

Technical Field

[0001] This application relates to the field of data processing technology, and in particular to a data processing method, apparatus, electronic device and storage medium. Background Technology

[0002] Syndicated loans are a type of loan where multiple banks or non-bank financial institutions authorized to conduct lending business provide domestic or foreign currency loans or credit lines to the same borrower based on the same loan terms, the same loan contract, and the agreed time and proportion, through an agent bank.

[0003] In the current syndicated loan business process, the entry, modification, registration, and reporting of relevant loan information are all done manually by business personnel. The operation functions of the agent bank, the interest at the agent bank level, and the agent bank's accounting and separation from the transaction also need to be manually recorded by staff. This results in problems such as inaccurate information, low efficiency, and easy errors. Summary of the Invention

[0004] This application provides a data processing method, apparatus, and electronic device. The contract structure view generated by the data processing method can display loan-related information of syndicated loans in real time, accurately, and comprehensively. Furthermore, data processing for syndicated loans using this contract structure view significantly reduces the number of manual transactions and the risk of errors inherent in manual transactions.

[0005] To address the aforementioned technical problems, in a first aspect, embodiments of this application provide a data processing method applied to an electronic device. The method includes: generating a contract structure view of a syndicated loan; based on the user's processing of syndicated loan transaction information through the contract structure view, sending the transaction flow information corresponding to the corporate loan transaction information to an accounting engine via the syndicated loan platform for linked accounting; the transaction information includes loan disbursement information, repayment information, and interest adjustment information; the transaction flow information includes accounting atomic action information and amount type information; wherein generating the contract structure view includes: determining the contract number of the syndicated loan and obtaining the contract-related information of the agent bank of the syndicated loan, generating the agent bank contract; obtaining the contract-related information of each participating bank of the syndicated loan, generating each participating bank contract; constructing a contract structure view based on each participating bank contract and the agent bank contract, generating the contract structure view so that the contract information corresponding to the agent bank contract and the contract information corresponding to each participating bank contract are displayed in the contract structure view by contract number.

[0006] By constructing a view of the agent banking contracts and participating bank contracts in a syndicated loan, a contract structure view is generated. This view displays the contract information corresponding to the agent banking contracts and each participating bank contract, forming a comprehensive contract structure view at the syndicated loan level, including both agent banking and participating bank contracts. Furthermore, by contract number, the required contract information for the agent banking contract and each participating bank contract can be retrieved within the contract structure view, supporting a unified query function. This provides real-time, accurate, and comprehensive display of loan-related information for syndicated loans, meeting business management and regulatory reporting requirements.

[0007] Furthermore, based on this contract structure view, by sending the transaction flow information corresponding to corporate loan transactions to the accounting engine through the syndicated loan platform and the contract structure view, linked accounting is achieved. This means that when there are changes in the accounting amount, accounting can be automatically recorded in a timely manner, eliminating the need for manual bookkeeping and accounting by business personnel. This enables accurate, streamlined, and real-time completion of the correspondent bank's accounting processing, greatly reducing the risks of untimely, inaccurate, and error-prone manual bookkeeping and accounting.

[0008] In one possible implementation of the first aspect mentioned above, the transaction flow information corresponding to the corporate loan transaction information is sent to the accounting engine through the syndicated loan platform for linked accounting, including: the accounting engine performing accounting entries based on the transaction information, including determining the source of the loan principal based on the loan information; and determining the repayment account information based on the loan information.

[0009] In one possible implementation of the first aspect above, determining the source of the loan principal based on the loan information includes: determining the source of the loan principal based on the syndicated loan product corresponding to the loan information; wherein, the syndicated loan product includes internal syndicates, agent syndicated loans, lead transfer syndicated loans, lead direct syndicated loans, and grouped syndicates, and the source of the loan principal includes the normal principal of the internal syndicate and the normal principal of the external syndicate.

[0010] In one possible implementation of the first aspect above, the method further includes: determining the agent bank contract number, and determining loan disbursement related information based on the contract structure view; the loan disbursement related information includes the borrower's name information, the borrower's account information, the customer number information, the currency of the loan disbursement, the amount of the loan disbursement, and the interest rate of the loan disbursement; and depositing the principal of the syndicated loan from the syndicated loan's fund collection account to the borrower's receiving account based on the loan disbursement related information.

[0011] By using the contract number and loan disbursement information, the principal of the syndicated loan is directly deposited from the syndicated loan's fund collection account into the borrower's receiving account. This eliminates the need for each participating bank to disburse loans to the borrower according to its own disbursement ratio, achieving unified disbursement of syndicated loans and reducing the number of transactions.

[0012] In one possible implementation of the first aspect above, the method further includes: obtaining the contract number and determining the loan-related information of each participating bank based on the contract structure view; the loan-related information includes all loan principals and all interest amounts of each participating bank, as well as the current loan principals and current interest amounts due; the agent bank, based on the loan-related information, transfers the current loan principals and current interest amounts corresponding to each participating bank from the repayment settlement account to the internal principal collection account and internal interest collection account of each participating bank; and adjusts all loan principals and all interest amounts of each participating bank based on the current loan principals and current interest amounts transferred to the internal principal collection account and internal interest collection account of each participating bank.

[0013] By using the contract number and loan-related information, the agent bank uniformly transfers the current loan principal and interest amount corresponding to each participating bank from the repayment settlement account to the internal principal collection account and interest collection account of each participating bank. This eliminates the need for the borrower to make separate repayments to each participating bank based on the current loan principal and interest amount due, thus achieving unified repayment for syndicated loans and reducing the number of transactions.

[0014] In one possible implementation of the first aspect above, the method further includes: obtaining the contract number, and determining the participating banks in each participating bank that are involved in the share transfer according to the contract structure view, and determining the transferor and transferee banks in the participating banks that are involved in the share transfer; obtaining the share change information of the transferor and transferee banks, and changing the share information of the transferor and transferee banks in the contract structure view according to the share change information.

[0015] Based on the contract number and the share change information of the transferring bank and the transferee, the share information of the transferring bank and the transferee is changed according to the share change information, realizing the share transfer function of syndicated loans, making the business functions of syndicated loans more comprehensive and improving the user experience.

[0016] In one possible implementation of the first aspect above, the method further includes: obtaining the contract number and the date of the error when the agent bank generates an error in the loan amount or repayment amount during the loan disbursement or repayment process; obtaining the correct loan amount or repayment amount corresponding to the agent bank's loan disbursement or repayment process on the error date; and adjusting the error in the contract structure view based on the correct loan amount or repayment amount.

[0017] By using the contract number and obtaining the correct loan amount or repayment amount during the loan disbursement or repayment process at the agent bank on the date of the error, and by adjusting the error based on the correct loan amount or repayment amount, the accuracy of syndicated loan data can be ensured, facilitating the smooth processing of subsequent syndicated loan business.

[0018] In one possible implementation of the first aspect above, the method further includes: obtaining the contract number, the interest amount to be adjusted for the agent bank, and the interest amount to be adjusted for each participating bank; adjusting the interest amount of the agent bank and the interest amount of each participating bank in the contract structure view according to the interest amount to be adjusted for the agent bank and the interest amount to be adjusted for each participating bank, and simultaneously adjusting the interest balance of the agent bank.

[0019] During the adjustment of the interest amount for the agent bank and the interest amounts for each participating bank, the interest balance of the agent bank can be adjusted simultaneously, ensuring that the interest adjustment information is synchronized and that the interest adjustment is timely, accurate, and consistent.

[0020] In one possible implementation of the first aspect above, the method further includes: obtaining relevant maintenance information of the agent bank contract and relevant maintenance information of each participating bank contract, and adding the relevant maintenance information of the agent bank contract and relevant maintenance information of each participating bank contract to the contract structure view.

[0021] By adding the relevant maintenance information of the agent bank's contract and the contracts of each participating bank to the contract structure view, users can quickly, completely, and accurately view the relevant maintenance information displayed in the contract structure view by simply retrieving the contract number during subsequent queries. This effectively meets the user's query needs as well as the needs of business management and supervision.

[0022] In one possible implementation of the first aspect above, the method further includes: obtaining agent bank account information and participating bank account information, and adding the agent bank account information and participating bank account information to the contract structure view so that the agent bank account information and participating bank account information are displayed in the contract structure view by contract number.

[0023] By adding the agent bank account information and the account information of each participating bank to the contract structure view, users can quickly, completely, and accurately view the agent bank account information and the account information of each participating bank through the contract structure view by simply retrieving the contract number during subsequent queries. This effectively meets the user's query needs as well as the needs of business management and supervision.

[0024] In one possible implementation of the first aspect above, displaying the agent bank contract and the corresponding contracts of each participating bank in the contract structure view includes: displaying the contract information corresponding to any one of the participating bank contracts by checking the participating bank list that is highlighted under the agent bank contract.

[0025] By selecting the highlighted list of participating banks under the brokerage contract, the contract information corresponding to any participating bank contract among multiple participating banks can be displayed. When the contract information corresponding to the participating bank contract is not needed, it can be collapsed and hidden, making the contract structure view interface more concise and easier for users to view.

[0026] In one possible implementation of the first aspect mentioned above, the agent bank's contract-related information includes the agent bank's contract amount information, the capital contribution information of each participating bank, the repayment method information of the syndicated loan, and the interest calculation information of the syndicated loan; the agent bank's account information includes the loan's principal and interest balance information, billing details information, and historical transaction details information; the agent bank's contract-related maintenance information includes information on modifications to the contract amount, information on modifications to the loan interest rate, and information on new repayment plans.

[0027] In one possible implementation of the first aspect above, during the process of adding the relevant maintenance information of the proxy contract to the contract structure view, the information related to each participating bank contract in the relevant maintenance information of the proxy contract is automatically added to the contract information corresponding to each participating bank contract in the contract structure view.

[0028] When adding relevant maintenance information to the agent bank, the information related to the contracts of each participating bank in the agent bank's contract maintenance information is automatically added to the corresponding contract information of each participating bank in the contract structure view. This ensures that the agent bank's information is updated synchronously with the information of each participating bank, ensuring timeliness and accuracy. Furthermore, it eliminates the need for manual addition and reporting by business personnel, reducing inaccuracies, delays, and errors caused by manual registration.

[0029] Secondly, embodiments of this application provide a data processing apparatus for executing the data processing method of the first aspect described above. The apparatus includes: a first processing module for generating a contract structure view of a syndicated loan; and a second processing module for processing transaction information of the syndicated loan through the contract structure view, sending transaction flow information corresponding to the corporate loan transaction information to an accounting engine via the syndicated loan platform for linked accounting. The transaction information includes loan disbursement information, repayment information, and interest adjustment information; the transaction flow information includes accounting atomic action information and amount type information. Generating the contract structure view includes: determining the contract number of the syndicated loan and obtaining contract-related information of the agent bank of the syndicated loan, generating the agent bank contract; obtaining contract-related information of each participating bank of the syndicated loan, generating contracts for each participating bank; and constructing a contract structure view based on the contracts of each participating bank and the agent bank contract, thereby generating the contract structure view so that the contract information corresponding to the agent bank contract and the contract information corresponding to each participating bank contract are displayed in the contract structure view by contract number.

[0030] Thirdly, embodiments of this application provide an electronic device, including: a memory for storing a computer program, the computer program including program instructions; and a processor for executing the program instructions to cause the electronic device to perform the data processing method provided by the first aspect and / or any possible implementation of the first aspect.

[0031] Fourthly, embodiments of this application provide a computer-readable storage medium storing a computer program, the computer program including program instructions, which are executed by an electronic device to perform the data processing method provided by the first aspect and / or any possible implementation of the first aspect.

[0032] Fifthly, embodiments of this application provide a computer program product, including a computer program / instructions, which, when executed by a processor, implement the data processing method provided by the first aspect and / or any possible implementation of the first aspect.

[0033] It is understood that the beneficial effects of the second to fifth aspects mentioned above can also be found in the relevant descriptions in the first aspect mentioned above, and will not be repeated here. Attached Figure Description

[0034] To more clearly illustrate the technical solution of this application, the accompanying drawings used in the description of the embodiments will be briefly introduced below.

[0035] Figure 1 This is a flowchart illustrating a data processing method based on some implementations of this application;

[0036] Figure 2 This is a flowchart illustrating one step in generating a contract structure view, based on some implementations of this application.

[0037] Figure 3 This is a schematic diagram of a customer manager system shown according to some implementation methods of this application;

[0038] Figure 4 This is a schematic diagram of the contract structure for constructing an agent bank contract and a participating bank contract in a specific application scenario, based on some implementation methods of this application.

[0039] Figure 5 This is a schematic diagram illustrating a specific application scenario using data processing methods for unified loan disbursement, based on some implementation methods of this application.

[0040] Figure 6 This is a structural block diagram of a data processing apparatus according to some implementations of this application;

[0041] Figure 7 This is a schematic diagram of the structure of an electronic device according to some implementations of this application. Detailed Implementation

[0042] The technical solution of this application will be described in further detail below with reference to the accompanying drawings.

[0043] It should be noted that the acquisition, storage, use, and processing of data in the technical solution of this application all comply with the relevant provisions of national laws and regulations.

[0044] As mentioned earlier, in the current syndicated loan business process, the entry, modification, registration, and reporting of relevant loan information are all done manually by business personnel. The operational functions of the agent bank, the interest rate at the agent bank level, and the agent bank's accounting separation from the transaction also require manual registration by staff. This results in problems such as inaccurate registration information, low registration efficiency, and easy errors.

[0045] Based on this, this application provides a data processing method that constructs a view of the agent bank contract and participating bank contracts in a syndicated loan. This contract structure view displays the contract information corresponding to the agent bank contract and the contract information corresponding to each participating bank contract, forming a comprehensive contract structure view at the syndicated loan level, including both agent bank and participating bank contracts. This syndicated loan contract structure view can display loan-related information in real time, accurately, and comprehensively. Furthermore, processing syndicated loan transactions using this contract structure view significantly reduces the number of manual transactions and the risk of errors inherent in manual transactions. Based on this contract structure view, transaction flow information corresponding to corporate loans is sent to the accounting engine through the syndicated loan platform and the contract structure view for linked accounting. This enables accurate, streamlined, and real-time completion of the agent bank's accounting processing, greatly reducing the risks of untimely, inaccurate, and error-prone manual accounting and processing.

[0046] Next, the implementation process and advantages of the data processing method of this application will be described in detail.

[0047] In one implementation of this application, such as Figure 1 As shown, the data processing method provided in this application is applied to an electronic device, and the method includes the following steps:

[0048] S100: Generate a contract structure view for a syndicated loan.

[0049] S200: Based on the processing of syndicated loan transaction information by users through the contract structure view, the transaction flow information corresponding to the corporate loan transaction information is sent to the accounting engine through the syndicated loan platform for linked accounting. The transaction information includes loan disbursement information, repayment information, and interest adjustment information. The transaction flow information includes accounting atomic action information and amount type information.

[0050] Furthermore, such as Figure 2 As shown, generating a contract structure view includes the following steps:

[0051] S101: Determine the contract number of the syndicated loan, obtain the contract-related information of the agent bank of the syndicated loan, and generate the agent bank contract.

[0052] S102: Obtain contract-related information for each participating bank in the syndicated loan and generate contracts for each participating bank.

[0053] S103: Construct a contract structure view based on each participating bank contract and the agent bank contract, and generate a contract structure view so that the contract information corresponding to the agent bank contract and the contract information corresponding to each participating bank contract can be displayed in the contract structure view by contract number.

[0054] The data processing method in this application generates a contract structure view by constructing views of the agent banking contract and participating bank contracts in a syndicated loan. This view displays the contract information corresponding to the agent banking contract and each participating bank contract, forming a comprehensive contract structure view at the syndicated loan level, including both agent banking and participating bank contracts. Furthermore, by contract number, the required contract information for the agent banking contract and each participating bank contract can be retrieved from the contract structure view, supporting a unified query function. This method provides real-time, accurate, and comprehensive display of loan-related information for syndicated loans, meeting the requirements of business management and regulatory reporting.

[0055] Furthermore, based on this contract structure view, the transaction flow information corresponding to the corporate loan transaction is sent to the accounting engine through the syndicated loan platform and the contract structure view for linked accounting. This means that when there are changes in the accounting amount, the accounting can be automatically recorded in a timely manner, eliminating the need for manual bookkeeping and calculation by business personnel. This enables accurate, streamlined, and real-time completion of the correspondent bank's accounting processes, significantly reducing the risks of untimely, inaccurate, and error-prone manual bookkeeping and calculation.

[0056] Next, we will explain the steps and related content for generating a contract structure view.

[0057] In step S101, the contract number for the syndicated loan needs to be determined. Specifically, the contract number is determined at the initial stage of the syndicated loan transaction. It can be entered by the account manager when establishing the syndicated loan, or it can be automatically generated by the bank's system based on the contract number of the previous syndicated loan. It should be noted that when the syndicated loan transaction is established, the agent bank and multiple participating banks involved in the syndicated loan are also identified.

[0058] After determining the contract number, the agent bank, and multiple participating banks, in step S101, the agent bank's contract-related information is obtained, and the agent bank contract is generated. Specifically, the account manager can enter the agent bank's contract-related information during the contract creation phase to generate the agent bank contract.

[0059] In one implementation of this application, the contract-related information of the agent bank may include the contract amount information of the agent bank, the capital contribution information of each participating bank, the repayment method information of the syndicated loan, and the interest calculation information of the syndicated loan, etc., which are entered by the account manager during the contract establishment stage.

[0060] Further, in step S102, it is necessary to obtain the contract-related information of each participating bank and generate the contract for each participating bank. The contract-related information of the participating banks may include information such as the amount of capital contribution and interest amount of each participating bank under the syndicated loan.

[0061] Finally, in step S103: a contract structure view is constructed based on the participating bank contracts and the agent bank contracts, generating a contract structure view so that the contract information corresponding to the agent bank contract and the contract information corresponding to each participating bank contract can be displayed in the contract structure view by contract number. That is, the contract structure view consists of one agent bank contract and several participating bank contracts (i.e., a 1+N structure). This contract structure view can fully reflect the agent bank and participating bank views of the syndicated loan. Front-end operators can enter the agent bank contract number through the query transaction in the syndicated loan module to see the complete agent bank contract and each participating bank contract through this contract structure view.

[0062] A complete syndicated loan contract view is constructed by adding one agent bank contract and N participating bank contracts. The system functions enable the agent bank to centrally manage and centralize accounting transactions for each participating bank in the syndicated loan.

[0063] In one implementation of this application, displaying the agent bank contract and the corresponding contracts of each participating bank in the contract structure view includes: displaying the contract information corresponding to any one of the participating bank contracts by checking the participating bank list displayed under the agent bank contract.

[0064] In the process of building the contract structure view, the agent bank contract is first built into the contract structure view. Then, a subview is built for the agent bank, which includes the contract information of each participating bank that can participate in the syndicated loan. The subviews of each participating bank are then built into the highlighted list under the agent bank contract. By clicking on the highlighted list under the agent bank contract, the subviews corresponding to the contract information of each participating bank can be opened for front-end operators to view.

[0065] It should be noted that the subviews for participating rows can be created for each participating row individually, allowing the querying of contract information for one participating row at a time through the reverse list under the proxy row contract. Alternatively, a common subview can be created for all participating rows, allowing the querying of contract information for all participating rows simultaneously.

[0066] In one implementation of this application, the method further includes: obtaining relevant maintenance information of the agent bank contract and relevant maintenance information of each participating bank contract, and adding the relevant maintenance information of the agent bank contract and relevant maintenance information of each participating bank contract to the contract structure view.

[0067] Specifically, in one implementation of this application, the relevant maintenance information of the agency banking contract may include information on modifications to the contract amount, information on modifications to the loan interest rate, and information on new repayment plans.

[0068] The relevant maintenance information of the agency banking contract will be maintained by the account manager in the future. At the same time, the account manager will also maintain the information of the participating banks (i.e., the relevant maintenance information of the participating bank contracts).

[0069] For example, if a new repayment plan is added, when maintaining the agent bank contract, it is necessary to specify the effective date of the repayment plan, the repayment amount, the corresponding repayment amount of each participating bank in the repayment amount, etc., and the sum of the corresponding repayment amounts of each participating bank should be equal to the repayment amount of the plan, to ensure the accuracy and consistency of the information for the convenience of subsequent business processing.

[0070] It should be noted that front-end operators can promptly access the relevant maintenance information for the agency banking contract and the contracts of each participating bank through the contract structure view.

[0071] In one implementation of this application, the method further includes: obtaining agent bank account information and participating bank account information, and adding the agent bank account information and participating bank account information to the contract structure view so that the agent bank account information and participating bank account information can be displayed in the contract structure view by contract number.

[0072] Specifically, the agent bank account information includes the loan principal and interest balance, billing details, and historical transaction details.

[0073] The agent bank account information and participating bank account information added to the contract structure view can be automatically displayed in the view by the front-end operator by entering the contract number. This displays all agent bank account information and participating bank account information under the syndicated loan contract. Furthermore, information such as real-time loan interest and next repayment amount can also be calculated in real-time by the bank system based on account interest rates, balances, and other information, and automatically displayed in the contract structure view by invoking the contract number, ensuring the accuracy and timeliness of the information displayed in the contract structure view.

[0074] In one implementation of this application, during the process of adding the relevant maintenance information of the proxy contract to the contract structure view, the information related to each participating bank contract in the relevant maintenance information of the proxy contract is automatically added to the contract information corresponding to each participating bank contract in the contract structure view.

[0075] In other words, if the agent bank contract information needs to be maintained, and the content of the information to be maintained also exists in the participating bank contract, then only the relevant information in the agent bank contract needs to be maintained. The maintenance data will be automatically sent to the corresponding participating bank contract through the contract structure view, and the corresponding contract information will be automatically modified and maintained. The account manager does not need to open the participating bank contract again to find the relevant information and perform maintenance again. This realizes the linkage between the agent bank and the participating bank and simplifies the operation.

[0076] Furthermore, in one implementation of this application, in step S200, the transaction flow information corresponding to the corporate loan transaction information is sent to the accounting engine through the syndicated loan platform for linked accounting, including: the accounting engine performing accounting entries based on the transaction information, the accounting entries including determining the source of the loan principal based on the loan information; and determining the repayment account information based on the loan information.

[0077] In one implementation of this application, determining the source of the loan principal based on the loan information includes: determining the source of the loan principal based on the syndicated loan product corresponding to the loan information; wherein, the syndicated loan product includes internal syndicates, agent syndicated loans, lead transfer syndicated loans, lead direct syndicated loans, and grouped syndicates, and the source of the loan principal includes the normal principal of the internal syndicate and the normal principal of the external syndicate.

[0078] Specifically, based on business type, the banking system has added syndicated loan products, which can include internal syndicated loans, agent syndicated loans, lead-transfer syndicated loans, lead-direct syndicated loans, and grouped syndicates. These five syndicated loan products are established according to business characteristics, differing only in the syndicate organizational form and the role of the agent bank. There is no difference in system processing; account managers manually select these when adding new syndicated loan applications. Simultaneously, each syndicated loan product has added corresponding accounting entries, such as an internal syndicated loan corresponding to agent-issued internal syndicated loans (i.e., normal principal account) and an outstanding agent-issued internal syndicated loan interest account. After front-office staff complete syndicated loan transactions (such as loan disbursement, repayment, and interest adjustment), the system automatically records the transactions based on the syndicated loan product in the contract and the account's transaction amount. Currently, all types of corporate loans have achieved linked accounting. Syndicated loans, which were previously recorded manually offline, have now been standardized through this system. Referring to the transaction functions of other loan businesses, automatic accounting has also been achieved, eliminating the need for manual recording. For example, when a syndicated loan is issued by an agent bank, the system automatically records the following journal entry using the accounting engine: Debit: Internal Syndicated Loan Principal / External Syndicated Loan Principal. Credit: Corporate Current Account / Internal Account (Borrower's Loan Settlement Account). The specific syndicated loan product determines whether the accounting entry is made under the Internal Syndicated Loan or External Syndicated Loan Principal account.

[0079] In addition, an agency banking contract can consist of a general loan product and a syndicated loan product. The syndicated loan product and its associated accounting parameters enable the accounting of the syndicated loan, while the parameters of the general loan product and its associated products determine the parameter values ​​of the contract.

[0080] Through the linked accounting via the contract structure view, all accounting transactions of the agent bank are automatically linked to financial accounting, which accurately and concisely completes the agent bank's accounting processing, greatly reducing the number of manual transactions and the risk of accounting errors associated with manual transactions.

[0081] It should be noted that in step S200, business personnel, such as account managers, can input the contract number corresponding to the syndicated loan into the system and then view the transaction information of the syndicated loan through the contract structure view. This information can also be obtained through other means. Furthermore, whenever any manual accounting transaction for the syndicated loan is triggered through the contract structure view, or when the system processes transactions in batches, the transaction log information corresponding to the corporate loan will be sent to the accounting engine.

[0082] In one implementation of this application, the method further includes: determining the agent bank contract number, and determining loan disbursement information based on the contract structure view; the loan disbursement information includes the borrower's name information, the borrower's account information, the customer number information, the currency of the loan disbursement, the amount of the loan disbursement, and the interest rate of the loan disbursement; and depositing the principal of the syndicated loan from the syndicated loan's fund collection account to the borrower's receiving account based on the loan disbursement information.

[0083] Specifically, the account manager first enters and approves the loan disbursement information in the contract disbursement stage of the corporate lending process system. Then, the front-office operator enters the agent bank contract number and disbursement number into the system interface based on the disbursement order. The system (i.e., the contract structure view) automatically displays the loan disbursement information entered by the account manager, which may include the borrower's name and customer number, the amount and currency of this disbursement, interest rate information, and the borrower's settlement account to which the disbursement is deposited. After confirming the information is correct, the front-office operator submits the authorization. The loan transaction transfers the loan principal from the syndicate's funds collection account to the borrower's receiving account. The disbursement model supports both one-time disbursements and irregular disbursements, allowing for on-demand loan disbursements through irregular disbursements.

[0084] In one implementation of this application, the method further includes: obtaining a contract number and determining loan-related information for each participating bank based on a contract structure view; the loan-related information includes all loan principal and all interest amounts for each participating bank, as well as the current loan principal and current interest amounts due; the agent bank, based on the loan-related information, transfers the current loan principal and current interest amounts corresponding to each participating bank from the repayment settlement account to the internal principal collection account and internal interest collection account of each participating bank; and adjusts all loan principal and all interest amounts for each participating bank based on the current loan principal and current interest amounts transferred to the internal principal collection account and internal interest collection account of each participating bank.

[0085] Specifically, front-end operators enter the syndicated loan account number (i.e., contract number) into the interface. The system automatically displays all real-time principal and interest balances for the syndicated loan and all participating banks' loans, including overdue and outstanding interest. Operators enter the amount of principal and interest to be repaid and submit authorization. The agent bank's repayment transaction is then linked, transferring the repaid principal and interest from the repayment settlement account to the participating banks' internal principal and interest collection accounts, simultaneously updating the principal and interest balances of the loans for both the agent bank and each participating bank. Subsequently, the agent bank transfers the principal and interest collection accounts to each participating bank for their respective share of repayment.

[0086] Based on the contract structure view, the unified loan disbursement and repayment transactions of the agent bank realize the mutual transfer between the borrower's settlement account and the fund collection account and interest collection account of each participating bank, eliminating the need for manual transfer and ensuring the timeliness and accuracy of loan disbursement and repayment information registration.

[0087] In one implementation of this application, the method further includes: obtaining a contract number, determining the participating banks in each participating bank that are involved in the share transfer according to the contract structure view, and determining the transferor and transferee banks in the participating banks that are involved in the share transfer; obtaining share change information of the transferor and transferee banks, and changing the share information of the transferor and transferee banks in the contract structure view according to the share change information.

[0088] Specifically, for scenarios where participating banks need to transfer their loan shares to other participating banks, a share transfer function has been added for corporate loans. The account manager enters the share changes for the transferring and receiving banks, and the front-office operator enters the syndicated loan agreement number. The system automatically displays the share amounts of each participating bank under the syndicated loan agreement before and after the change. After the front-office operator confirms and submits, the share transfer is completed, and the contract and loan balances of the participating banks are automatically updated simultaneously.

[0089] In one implementation of this application, the business processing method further includes: obtaining the contract number and the date of the error when the agent bank generates an error in the loan amount or repayment amount during the loan disbursement or repayment process; obtaining the correct loan amount or repayment amount corresponding to the agent bank's loan disbursement or repayment process on the error date; and adjusting the error in the contract structure view based on the correct loan amount or repayment amount.

[0090] Specifically, the syndicated loan function supports next-day adjustments for errors in agent bank lending and repayment, and adds the function of allocating amounts to participating banks when errors occur. Front-end operators enter the syndicated loan contract number and the date the error occurred. The system automatically displays the lending and repayment amounts for that date. After the operator enters the correct amounts for the agent bank and each participating bank, the system submits the form, completing the error adjustment. The system automatically records the changes and simultaneously updates the principal and interest balances of the agent bank's contract.

[0091] In one implementation of this application, the business processing method further includes: obtaining the contract number, the interest amount to be adjusted for the agent bank, and the interest amount to be adjusted for each participating bank; adjusting the interest amount of the agent bank and the interest amount of each participating bank in the contract structure view according to the interest amount to be adjusted for the agent bank and the interest amount to be adjusted for each participating bank, and simultaneously adjusting the interest balance of the agent bank.

[0092] Specifically, the syndicated loan function supports manual adjustments to the agent bank's actual and uncollected interest, and adds the function of allocating the amount to participating banks during the adjustment. The front-end operator enters the syndicated loan contract number, the system automatically displays the current account's interest balance details, the operator enters the corresponding adjusted interest amounts for the agent bank and participating banks, and submits the form to complete the interest adjustment. The system automatically records the changes and synchronously updates the interest balance of the agent bank's contract.

[0093] It should be noted that this business processing method can also implement other functions of syndicated loans based on the contract structure view, including the agent bank's account transfer (manual transfer to normal, transfer to non-accrual), extension, and pre-accrual interest adjustment.

[0094] Furthermore, the aforementioned front-office staff are typically the account managers assigned to each syndicated loan. All operations based on the contract structure view can be performed solely through the account manager.

[0095] Next, please see Figure 3 This paper provides a detailed description of a specific application scenario for a syndicated loan process implemented through a customer manager system.

[0096] like Figure 3 When establishing a syndicated loan, the first step is credit approval via the Client Manager System (CLPM). This system seamlessly connects with the agent banks and participating banks involved in the corporate loan syndicate, sending the credit approval structure to the regional bank providing the corporate loan. These agent banks and participating banks can be from different regions, including domestic, Asia-Pacific, Europe and Africa, and the Americas. The corresponding client manager handling the credit approval processes the syndicated loan agreement, loan disbursement, and repayment collection. Finally, the CLPM system handles post-loan matters.

[0097] Further, please see Figure 4 This is a specific application scenario of the contract structure view of the agent bank and participating bank generated by the data processing method described above in this application.

[0098] like Figure 4The syndicated loan was acted as an agent by a domestic branch of a certain bank, with participating banks including Branch 1, Branch 2, Branch 3, and Branch 4. Branch 4 is an overseas branch, and cross-border fund transfers are required during the repayment and disbursement of the syndicated loan.

[0099] It should be noted that the first branch, the second branch, the third branch, and the fourth branch can be the same bank as a certain bank, or they can be the head office or branch of different banks.

[0100] This contract structure view includes a loan contract (i.e., an agent bank contract) with a domestic branch of a bank acting as the agent bank, and loan contracts with participating banks (i.e., participating bank contracts), specifically including the loan contracts of the first branch, the second branch, the third branch, and the fourth branch. Figure 4 The view shown allows for quick and accurate retrieval of contract information for the agency banking contract and the contract information for each participating bank.

[0101] Further, please see Figure 5 This is an application scenario in which the first branch of a certain bank acts as the lead bank (i.e., agent bank) to act as an agent for an internal syndicated loan, and the second and third branches act as co-organizers (i.e., participating banks). The data processing method provided in the above implementation method is used to conduct unified loan disbursement. It should be noted that the first branch participates in this syndicated loan as both an agent bank and a participating bank.

[0102] like Figure 5 In this syndicated loan, the total syndicated share corresponding to the agent bank contract, i.e., the contract amount, is 2 million. The participation shares of each participating bank are as follows: the first branch holds 1 million, the second branch holds 700,000, and the third branch holds 300,000.

[0103] During the loan disbursement process by the agent bank, all funds were disbursed to the borrower's receiving account in two installments: the first disbursement was 1.2 million, and the second disbursement was 800,000.

[0104] The first disbursement by the agent bank was 1.2 million. The first branch first collected 600,000 from its own share, and then collected the amount disbursed by the participating banks in the first disbursement. The second branch collected 400,000 in the first disbursement, and the third branch collected 200,000. The agent bank then deposited the total of 1.2 million from the collection account into the borrower's receiving account, thus completing the first unified disbursement of the syndicated loan.

[0105] The second disbursement by the agent bank was 800,000 yuan. The first branch collected 400,000 yuan in the second round of funds, the second branch collected 300,000 yuan in the second round of funds, and the third branch collected 100,000 yuan in the second round of funds. The agent bank deposited the total of 800,000 yuan from the fund collection account into the borrower's receiving account, thus realizing the second unified disbursement of the syndicated loan.

[0106] After the first and second unified loan disbursements, the unified disbursement of this syndicated loan was completed, and the agent bank transferred the 2 million yuan loan funds from the fund collection account to the borrower's receiving account.

[0107] It should be noted that the aforementioned electronic devices can be computers, servers, or other electronic devices.

[0108] The following is an explanation of the relevant terms used in this application.

[0109] Syndicated loans: Syndicated loans are loans or credit facilities in local or foreign currencies provided to the same borrower by multiple banks or non-bank financial institutions that are authorized to conduct lending business, based on the same loan terms, the same loan contract, and in accordance with the agreed time and proportion, through an agent bank.

[0110] Direct syndicated loans: Syndicated loans issued, collected, and managed by agent banks entrusted by the member banks of the syndicate to the borrower, and are a basic form of bank loan.

[0111] Indirect syndicated loans: The lead bank directly disburses the loan to the borrower, and then the lead bank resells the participating loan rights, i.e., the loan share, to other banks. The lead bank is responsible for all loan management, disbursement, and collection.

[0112] Lead bank: With the borrower's consent, the bank responsible for initiating and organizing the syndicate and distributing the syndicated loan share; also known as the arranger or underwriter.

[0113] Agent bank: The bank responsible for managing the syndicated loan. The agent bank is typically determined by the lead bank or through negotiation between the lead bank and the borrower.

[0114] Participating bank: The bank that accepts the invitation of the lead bank to join the syndicate and provides loans to the borrower in accordance with the agreed loan commitment, is the actual lender of the syndicate.

[0115] Please see Figure 6 , Figure 6 The image shows a data processing apparatus according to this application. The apparatus includes: a first processing module for generating a contract structure view of a syndicated loan.

[0116] The second processing module is used to process the transaction information of syndicated loans through the contract structure view by the user. It sends the transaction flow information corresponding to the corporate loan transaction information to the accounting engine through the syndicated loan platform for linked accounting. The transaction information includes loan disbursement information, repayment information, and interest adjustment information. The transaction flow information includes accounting atomic action information and amount type information.

[0117] The generated contract structure view includes:

[0118] Determine the contract number of the syndicated loan and obtain the contract information of the agent bank for the syndicated loan, and generate the agent bank contract.

[0119] Obtain contract-related information from each participating bank in the syndicated loan and generate contracts for each participating bank.

[0120] Based on the contracts of each participating bank and the agent bank, a contract structure view is constructed to generate a contract structure view, so that the contract information corresponding to the agent bank contract and the contract information corresponding to each participating bank contract can be displayed in the contract structure view by contract number.

[0121] For details on the specific operations that each processing module can perform, please refer to the above. Figure 1 The corresponding data processing method. Furthermore, based on the specific operational steps of the aforementioned data processing method, the data processing device may include more or fewer processing modules for processing the content described in the aforementioned data processing method.

[0122] The aforementioned data processing device is capable of executing data processing methods. By constructing views of the agent banking contracts and participating bank contracts in a syndicated loan, the device displays the contract information corresponding to the agent banking contracts and the contract information corresponding to each participating bank contract in the contract structure view, forming an overall contract structure view at the syndicated loan level that includes both agent banking contracts and participating bank contracts. Furthermore, by using the contract number, the device can retrieve the required contract information corresponding to the agent banking contracts and the contract information corresponding to each participating bank contract in the contract structure view, supporting a unified query function. This allows for real-time, accurate, and comprehensive display of loan-related information for syndicated loans, meeting the needs of business management and regulatory reporting.

[0123] Furthermore, based on this contract structure view, the transaction flow information corresponding to the corporate loan transaction is sent to the accounting engine through the syndicated loan platform and the contract structure view for linked accounting. This means that when there are changes in the accounting amount, the accounting can be automatically recorded in a timely manner, eliminating the need for manual bookkeeping and calculation by business personnel. This enables accurate, streamlined, and real-time completion of the correspondent bank's accounting processes, significantly reducing the risks of untimely, inaccurate, and error-prone manual bookkeeping and calculation.

[0124] Please see Figure 7 ,Figure 7 The diagram shown is a structural block diagram of an electronic device provided in this application. The electronic device may include one or more processors 1002, system control logic 1008 connected to at least one of the processors 1002, system memory 1004 connected to the system control logic 1008, non-volatile memory (NVM) 1006 connected to the system control logic 1008, and network interface 1010 connected to the system control logic 1008.

[0125] Processor 1002 may include one or more single-core or multi-core processors. Processor 1002 may include any combination of general-purpose processors and special-purpose processors (e.g., graphics processors, application processors, baseband processors, etc.). In the implementation herein, processor 1002 may be configured to perform the aforementioned data processing methods.

[0126] In some implementations, system control logic 1008 may include any suitable interface controller to provide any suitable interface to at least one of the processors 1002 and / or any suitable device or component communicating with system control logic 1008.

[0127] In some implementations, system control logic 1008 may include one or more memory controllers to provide an interface to system memory 1004. System memory 1004 may be used to load and store data and / or instructions. In some implementations, system memory 1004 of the electronic device may include any suitable volatile memory, such as suitable dynamic random access memory (DRAM).

[0128] NVM / memory 1006 may include one or more tangible, non-transitory computer-readable media for storing data and / or instructions. In some implementations, NVM / memory 1006 may include any suitable non-volatile memory such as flash memory and / or any suitable non-volatile storage device, such as at least one of a hard disk drive (HDD), a compact disc (CD) drive, and a digital versatile disc (DVD) drive.

[0129] NVM / Memory 1006 may include a portion of storage resources installed on an electronic device, or it may be accessible by the device, but is not necessarily part of the device. For example, NVM / Memory 1006 may be accessed over a network via network interface 1010.

[0130] Specifically, system memory 1004 and NVM / memory 1006 may each include a temporary copy and a permanent copy of instruction 1020. Instruction 1020 may include instructions that, when executed by at least one of processors 1002, cause the electronic device to perform the aforementioned data processing method. In some implementations, instruction 1020, hardware, firmware, and / or its software components may additionally / alternatively be located in system control logic 1008, network interface 1010, and / or processor 1002.

[0131] Network interface 1010 may include a transceiver for providing a radio interface for an electronic device, enabling communication with any other suitable device (such as a front-end module, antenna, etc.) via one or more networks. In some implementations, network interface 1010 may be integrated into other components of the electronic device. For example, network interface 1010 may be integrated into at least one of processor 1002, system memory 1004, NVM / memory 1006, and firmware device (not shown) with instructions, wherein the electronic device implements the aforementioned data processing method when at least one of processor 1002 executes the instructions.

[0132] The network interface 1010 may further include any suitable hardware and / or firmware to provide a multiple-input multiple-output radio interface. For example, the network interface 1010 may be a network adapter, a wireless network adapter, a telephone modem, and / or a wireless modem.

[0133] In one implementation, at least one of the processors 1002 may be packaged together with the logic of one or more controllers for system control logic 1008 to form a system-in-a-package (SiP). In another implementation, at least one of the processors 1002 may be integrated on the same die with the logic of one or more controllers for system control logic 1008 to form a system-on-chip (SoC).

[0134] The electronic device may further include an input / output (I / O) device 1012. The I / O device 1012 may include a user interface enabling a user to interact with the electronic device; the peripheral component interface is designed to allow peripheral components to also interact with the electronic device. In some implementations, the electronic device may also include sensors for determining at least one type of environmental condition and location information relevant to the electronic device.

[0135] In some implementations, the user interface may include, but is not limited to, a display (e.g., a liquid crystal display, a touch screen display, etc.), a speaker, a microphone, one or more cameras (e.g., a still image camera and / or a video camera), a flashlight (e.g., a light-emitting diode flash), and a keyboard.

[0136] In some implementations, the peripheral component interface may include, but is not limited to, non-volatile memory ports, audio jacks, and power interfaces.

[0137] In some implementations, the sensors may include, but are not limited to, gyroscope sensors, accelerometers, proximity sensors, ambient light sensors, and positioning units. The positioning unit may also be part of or interact with network interface 1010 to communicate with components of the positioning network (e.g., Global Positioning System (GPS) satellites).

[0138] It is understood that the illustrative structures of the embodiments of the present invention do not constitute a specific limitation on the electronic device. In other embodiments of this application, the electronic device may include more or fewer components than illustrated, or combine some components, or split some components, or have different component arrangements. The illustrated components may be implemented in hardware, software, or a combination of software and hardware.

[0139] Program code can be applied to input instructions to perform the functions described herein and generate output information. The output information can be applied to one or more output devices in a known manner. For the purposes of this application, the processing system includes any system having a processor such as, for example, a digital signal processor (DSP), a microcontroller, an application-specific integrated circuit (ASIC), or a microprocessor.

[0140] The program code can be implemented using a high-level procedural language or an object-oriented programming language to communicate with the processing system. Assembly language or machine language can also be used when needed. In fact, the mechanisms described in this paper are not limited to any particular programming language. In either case, the language can be a compiled language or an interpreted language.

[0141] One or more aspects of at least one implementation can be implemented by representational instructions stored on a computer-readable storage medium, the instructions representing various logics in a processor, which, when read by a machine, cause the machine to create logic for performing the techniques described herein. These representations, referred to as “IP cores,” can be stored on tangible computer-readable storage media and provided to multiple customers or production facilities for loading into manufacturing machines that actually manufacture the logic or processor.

[0142] It should be noted that some structural or methodological features may be shown in the accompanying drawings in a specific arrangement and / or order. However, it should be understood that such a specific arrangement and / or order may not be necessary. Rather, in some implementations, these features may be arranged in a different manner and / or order than those shown in the illustrative drawings. Furthermore, including structural or methodological features in a particular figure does not imply that such features are required in all implementations, and in some implementations, these features may be omitted or may be combined with other features.

[0143] It should be noted that the terms "first" and "second" are used only to distinguish descriptions and should not be interpreted as indicating or implying relative importance.

[0144] It should be noted that some structural or methodological features may be shown in the accompanying drawings in a specific arrangement and / or order. However, it should be understood that such a specific arrangement and / or order may not be necessary. Rather, in some embodiments, these features may be arranged in a manner and / or order different from that shown in the illustrative drawings. Furthermore, including structural or methodological features in a particular figure does not imply that such features are required in all embodiments, and in some embodiments, these features may be omitted or may be combined with other features.

[0145] Although this application has been illustrated and described with reference to certain preferred embodiments, those skilled in the art should understand that the above description is a further detailed explanation of the application in conjunction with specific embodiments, and should not be construed as limiting the specific implementation of the application to these descriptions. Those skilled in the art can make various changes in form and detail, including some simple deductions or substitutions, without departing from the spirit and scope of this application.

Claims

1. A data processing method applied to electronic devices, characterized in that, The method includes: Generate a contract structure view for the syndicated loan; Based on the user's processing of the syndicated loan transaction information through the contract structure view, the transaction flow information corresponding to the corporate loan transaction information is sent to the accounting engine through the syndicated loan platform for linked accounting. The transaction information includes loan disbursement information, repayment information, and interest rate adjustment information; wherein... Generating the contract structure view includes: The contract number of the syndicated loan is determined, and the contract-related information of the agent bank of the syndicated loan is obtained to generate the agent bank contract; the contract-related information of the agent bank includes the contract amount information of the agent bank, the capital contribution information of each participating bank, the repayment method information of the syndicated loan, and the interest calculation information of the syndicated loan. Obtain the contract-related information of each participating bank in the syndicated loan and generate contracts for each participating bank; the contract-related information of the participating banks includes the amount of capital contribution and interest amount of the participating banks under the syndicated loan; The contract structure view is constructed based on each participating bank contract and the agent bank contract, and the contract structure view is generated so that the contract information corresponding to the agent bank contract and the contract information corresponding to each participating bank contract can be displayed in the contract structure view by the contract number.

2. The data processing method as described in claim 1, characterized in that, The transaction details corresponding to the aforementioned corporate loan transactions will be sent to the accounting engine through the syndicated loan platform for linked accounting, including: The accounting engine performs accounting entries based on the transaction information. These accounting entries include determining the source of the loan principal based on the loan information and determining the repayment account information based on the loan information.

3. The data processing method as described in claim 1 or 2, characterized in that, Determining the source of the loan principal based on the loan information includes: Based on the syndicated loan product corresponding to the loan information, the source of the loan principal is determined; wherein, The syndicated loan products include internal syndicated loans, agent syndicated loans, lead transfer syndicated loans, lead direct syndicated loans, and grouped syndicated loans. The sources of the loan principal include normal principal from internal syndicates and normal principal from external syndicates.

4. The data processing method as described in claim 1 or 2, characterized in that, The method further includes: The agent bank contract number is determined, and the loan disbursement information is determined based on the contract structure view; the loan disbursement information includes the borrower's name information, the borrower's account information, the customer number information, the currency of the loan, the amount of the loan, and the interest rate of the loan; Based on the loan disbursement information, the principal of the syndicated loan is deposited from the syndicated loan's fund collection account into the borrower's receiving account.

5. The data processing method as described in claim 1 or 2, characterized in that, The method further includes: Obtain the contract number and determine the loan-related information of each participating bank based on the contract structure view; the loan-related information includes all loan principal and all interest amounts of each participating bank, as well as the current loan principal and current interest amount due. Based on the loan-related information, the agent bank transfers the current loan principal and current interest amount corresponding to each participating bank from the repayment settlement account to the internal principal collection account and internal interest collection account of each participating bank. Based on the current loan principal and current interest amount corresponding to the internal accounts for principal collection and interest collection of each participating bank, the total loan principal and total interest amount of each participating bank are adjusted.

6. The data processing method as described in claim 1 or 2, characterized in that, The method further includes: Obtain the contract number, and determine the participating banks in each participating bank for the transfer of participating shares based on the contract structure view, and determine the transferring bank and the transferee bank in the participating banks for the transfer of participating shares; Obtain the share change information of the transferor and the transferee, and change the share information of the transferor and the transferee in the contract structure view according to the share change information.

7. The data processing method as described in claim 1 or 2, characterized in that, The method further includes: Obtain the contract number and the date of the error when the agent bank generates an error in the loan amount or repayment amount during the loan disbursement or repayment process; Obtain the correct loan amount or repayment amount corresponding to the loan disbursement or repayment process of the agent bank on the date of the erroneous account, and adjust the erroneous account in the contract structure view based on the correct loan amount or repayment amount.

8. The data processing method as described in claim 1 or 2, characterized in that, The method further includes: Obtain the contract number, the interest amount to be adjusted for the agent bank, and the interest amount to be adjusted for each of the participating banks; Based on the interest amount to be adjusted for the agent bank and the interest amount to be adjusted for each participating bank, the interest amount of the agent bank and the interest amount of each participating bank are adjusted in the contract structure view, and the interest balance of the agent bank is adjusted at the same time.

9. The data processing method as described in claim 1 or 2, characterized in that, The method further includes: Obtain the relevant maintenance information of the agent bank contract and the relevant maintenance information of each participating bank contract, and add the relevant maintenance information of the agent bank contract and the relevant maintenance information of each participating bank contract to the contract structure view; the relevant maintenance information of the agent bank contract includes the modification information of the contract amount, the modification information of the loan interest rate, and the information of the new repayment plan.

10. The data processing method as described in claim 9, characterized in that, During the process of adding the relevant maintenance information of the agency bank contract to the contract structure view, the information related to each participating bank contract in the relevant maintenance information of the agency bank contract is automatically added to the contract information corresponding to each participating bank contract in the contract structure view.

11. The data processing method as described in claim 1 or 2, characterized in that, The method further includes: Obtain the agent bank account information and the account information of each participating bank, and add the agent bank account information and the account information of each participating bank to the contract structure view so that the agent bank account information and the account information of each participating bank can be displayed in the contract structure view by the contract number.

12. The data processing method as described in claim 11, characterized in that, The agent bank account information includes loan principal and interest balance information, billing details, and historical transaction details.

13. The data processing method as described in claim 1 or 2, characterized in that, The contract structure view displays the agent bank contract and the corresponding contracts of each participating bank, including: By selecting the participating bank list displayed under the agent bank contract, the contract information corresponding to any one of the participating bank contracts can be displayed.

14. A data processing apparatus, characterized in that, The apparatus for performing the data processing method as described in any one of claims 1-13 includes: The first processing module is used to generate a contract structure view for syndicated loans; The second processing module is used to process the transaction information of the syndicated loan through the contract structure view, and send the transaction flow information corresponding to the corporate loan transaction information to the accounting engine through the syndicated loan platform for linked accounting. The transaction information includes loan disbursement information, repayment information, and interest adjustment information; wherein... Generating the contract structure view includes: The contract number of the syndicated loan is determined, and the contract-related information of the agent bank of the syndicated loan is obtained to generate the agent bank contract; the contract-related information of the agent bank includes the contract amount information of the agent bank, the capital contribution information of each participating bank, the repayment method information of the syndicated loan, and the interest calculation information of the syndicated loan; Obtain the contract-related information of each participating bank in the syndicated loan and generate contracts for each participating bank; the contract-related information of the participating banks includes the amount of capital contribution and interest amount of the participating banks under the syndicated loan. The contract structure view is constructed based on each participating bank contract and the agent bank contract, and the contract structure view is generated so that the contract information corresponding to the agent bank contract and the contract information corresponding to each participating bank contract can be displayed in the contract structure view by the contract number.

15. An electronic device, characterized in that, include: A memory for storing computer programs, the computer programs including program instructions; A processor for executing the program instructions to cause the electronic device to perform the data processing method as described in any one of claims 1-13.

16. A computer-readable storage medium, characterized in that, The computer-readable storage medium stores a computer program, the computer program including program instructions, which are executed by an electronic device to cause the electronic device to perform the data processing method as described in any one of claims 1-13.

17. A computer program product, characterized in that, It includes a computer program / instruction that, when executed by an electronic device, implements the data processing method as described in any one of claims 1-13.

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