Default data processing method and device, electronic equipment and storage medium
By performing backward and forward offset processing on the default date sequence and combining it with association operations, the problem of low computational efficiency in the existing technology is solved, and efficient batch calculation of consecutive default days is achieved.
Patent Information
- Authority / Receiving Office
- CN · China
- Patent Type
- Patents(China)
- Current Assignee / Owner
- CHINA CONSTRUCTION BANK
- Filing Date
- 2023-08-08
- Publication Date
- 2026-07-03
AI Technical Summary
Existing technologies are inefficient for calculating the consecutive default days of customers and cannot achieve batch parallel processing of the consecutive default days of multiple financial transactions for multiple customers.
By performing backward and forward offset processing on the default date sequence, combined with correlation operations, the start and end dates of consecutive default days are determined, avoiding individual comparisons and improving computational efficiency.
It improves the efficiency of calculating consecutive default days, enables batch calculation of consecutive default days for multiple customers, and the calculation workload does not increase with the number of default days.
Smart Images
Figure CN117094810B_ABST
Abstract
Description
Technical Field
[0001] This application belongs to the field of data processing, and in particular relates to a method, apparatus, electronic device and storage medium for processing default data. Background Technology
[0002] The consecutive default days for a customer are an important indicator for assessing customer risk. When a customer defaults on multiple financial transactions (e.g., loans), the consecutive default days must be calculated. For example, if the default on financial transaction A begins on January 1st and ends on January 5th; and the default on financial transaction B begins on January 3rd and ends on January 10th, then the customer's consecutive default days are 10 days.
[0003] However, related technologies typically use a date-by-date approach to calculate a customer's consecutive default days. For example, the default start date is first determined, and then it's checked whether the next date after that is a default date. If it is, a consecutive default is identified, and the process continues to check whether the date after that date is a default date. Therefore, this method relies on iterative calculations and cannot achieve batch parallel processing of consecutive default days for multiple financial transactions of multiple customers, resulting in low computational efficiency. Summary of the Invention
[0004] This application provides a method, apparatus, electronic device, and storage medium for processing default data, which can improve the efficiency of calculating consecutive default days.
[0005] In a first aspect, embodiments of this application provide a method for processing default data. The method includes: obtaining a default date sequence for a first defaulting object, wherein the default date sequence consists of default dates of at least one financial transaction of the first defaulting object, and the first defaulting object is any one of a plurality of defaulting objects; performing backward offset processing on the sequence position of the default dates in the default date sequence to obtain a backward offset sequence; associating the default date sequence and the backward offset sequence to obtain a first date sequence, wherein the first date sequence includes at least the start date of the consecutive default dates of the first defaulting object; performing forward offset processing on the sequence position of the default dates in the default date sequence to obtain a forward offset sequence; associating the default date sequence and the forward offset sequence to obtain a second date sequence, wherein the second date sequence includes at least the end date of the consecutive default dates of the first defaulting object; and determining the number of consecutive default days of the first defaulting object based on the first date sequence and the second date sequence.
[0006] Secondly, embodiments of this application provide a processing apparatus for default data, comprising: a date sequence acquisition module for acquiring a default date sequence of a first defaulting object, wherein the default date sequence consists of default dates of at least one financial transaction of the first defaulting object, and the first defaulting object is any one of a plurality of defaulting objects; a backward offset module for performing backward offset processing on the sequence position of the default dates in the default date sequence to obtain a backward offset sequence; a first sequence association module for associating the default date sequence and the backward offset sequence to obtain a first date sequence, wherein the first date sequence includes at least the start date of the consecutive default dates of the first defaulting object; a forward offset module for performing forward offset processing on the sequence position of the default dates in the default date sequence to obtain a forward offset sequence; a second sequence association module for associating the default date sequence and the forward offset sequence to obtain a second date sequence, wherein the second date sequence includes at least the end date of the consecutive default dates of the first defaulting object; and a default days determination module for determining the consecutive default days of the first defaulting object based on the first date sequence and the second date sequence.
[0007] Thirdly, embodiments of this application provide an electronic device, which includes: a processor and a memory storing computer program instructions; the processor executes the computer program instructions to implement the method for processing default data as described in the first aspect.
[0008] Fourthly, embodiments of this application provide a computer-readable storage medium storing computer program instructions, which, when executed by a processor, implement the method for processing default data as described in the first aspect.
[0009] Fifthly, embodiments of this application provide a computer program product in which instructions, when executed by a processor of an electronic device, cause the electronic device to perform the method for processing default data as described in the first aspect.
[0010] As can be seen from the above, in determining the number of consecutive default days of a defaulting party, this application only needs to shift the position of the default date in the default date sequence backward and forward. The start and end dates of the consecutive default days can be determined based on the default date sequence after the shift and the default date sequence before the shift, without having to compare each default date in the sequence. That is, the solution provided by this application is independent of the number of default days of the defaulting party. Therefore, even as the default days of the defaulting party increase, the computational workload of calculating the number of consecutive default days will not increase, thereby improving the computational efficiency of calculating the number of consecutive default days. Attached Figure Description
[0011] To more clearly illustrate the technical solutions of the embodiments of this application, the accompanying drawings used in the embodiments of this application will be briefly introduced below. For those skilled in the art, other drawings can be obtained based on these drawings without creative effort.
[0012] Figure 1 This is a flowchart illustrating a method for processing default data according to an embodiment of this application;
[0013] Figure 2 This is a schematic diagram of the default date sequence of object A provided in one embodiment of this application;
[0014] Figure 3 This is a schematic diagram of a backward offset sequence provided in one embodiment of this application;
[0015] Figure 4 This is a schematic diagram of an embodiment of the present application providing a sequence of associated default dates;
[0016] Figure 5 This is a schematic diagram of a forward offset sequence provided in one embodiment of this application;
[0017] Figure 6 This is a schematic diagram of an embodiment of the present application providing a sequence of associated default dates;
[0018] Figure 7 This is a schematic diagram of the sequence structure of a target sequence provided in one embodiment of this application;
[0019] Figure 8 This is a schematic diagram of a date mapping method provided in one embodiment of this application;
[0020] Figure 9 This is a schematic diagram of a target sequence provided in one embodiment of this application;
[0021] Figure 10 This is a schematic diagram of a data table showing the start and end dates of defaults for multiple defaulting entities, provided in one embodiment of this application.
[0022] Figure 11 This is a schematic diagram of a target sequence provided in one embodiment of this application;
[0023] Figure 12 This is a schematic diagram of a target sequence provided in one embodiment of this application;
[0024] Figure 13 This is a schematic diagram of the initial default date sequence of object A provided in one embodiment of this application;
[0025] Figure 14 This is a schematic diagram of the initial default date sequence of object B provided in one embodiment of this application;
[0026] Figure 15 This is a schematic diagram of a deduplicated initial default date sequence provided in one embodiment of this application;
[0027] Figure 16 This is a schematic diagram of a backward offset sequence provided in one embodiment of this application;
[0028] Figure 17 This is a schematic diagram of the associated sequence D3 provided in one embodiment of this application;
[0029] Figure 18 This is a schematic diagram of a first date sequence provided in one embodiment of this application;
[0030] Figure 19 This is a schematic diagram of a forward offset sequence provided in one embodiment of this application;
[0031] Figure 20 This is a schematic diagram of the associated sequence D5 provided in one embodiment of this application;
[0032] Figure 21 This is a schematic diagram of a second date sequence provided in one embodiment of this application;
[0033] Figure 22 This is a schematic diagram of a sequence of consecutive default dates for object A provided in one embodiment of this application;
[0034] Figure 23 This is a schematic diagram of a sequence of consecutive default dates for object B provided in one embodiment of this application;
[0035] Figure 24 This is a schematic diagram of the structure of a default data processing device provided in another embodiment of this application;
[0036] Figure 25 This is a schematic diagram of the structure of an electronic device provided in another embodiment of this application. Detailed Implementation
[0037] The features and exemplary embodiments of various aspects of this application will be described in detail below. To make the objectives, technical solutions, and advantages of this application clearer, the application will be further described in detail below with reference to the accompanying drawings and specific embodiments. It should be understood that the specific embodiments described herein are only intended to explain this application and not to limit it. For those skilled in the art, this application can be implemented without some of these specific details. The following description of the embodiments is merely to provide a better understanding of this application by illustrating examples.
[0038] It should be noted that, in this document, relational terms such as "first" and "second" are used merely to distinguish one entity or operation from another, and do not necessarily require or imply any such actual relationship or order between these entities or operations. Furthermore, the terms "comprising," "including," or any other variations thereof are intended to cover non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements includes not only those elements but also other elements not expressly listed, or elements inherent to such a process, method, article, or apparatus. Without further limitations, an element defined by the phrase "comprising..." does not exclude the presence of additional identical elements in the process, method, article, or apparatus that includes said element.
[0039] It should be noted that the acquisition, storage, use, and processing of data in this application embodiment all comply with the relevant provisions of national laws and regulations.
[0040] To facilitate understanding, before explaining the solution provided in this application, the background of the solution provided in this application will be explained first.
[0041] In scenarios involving consecutive loan defaults, a customer may have multiple defaulted loans with non-consecutive default dates. For example, loan A's default started on January 1st and ended on January 3rd; loan B's default started on January 6th and ended on January 9th. The default dates of loan A and loan B are not consecutive. In this scenario, the consecutive default dates for each customer can typically only be determined by examining each customer's individual dates.
[0042] In this method, the default start date is typically determined first, and then it's checked whether the next date after the default start date is also a default date. If it is, a consecutive default is identified, and the process continues to check whether the date after that date is also a default date. Continuing with loan transactions A and B from the previous example, if the default start date is January 1st, then it checks whether January 2nd is a default date; since January 2nd is a default date, the date identifier for January 2nd is marked as 1; then it checks whether January 3rd is a default date, and the date identifier for January 3rd is marked as 1; January 4th is not a default date, so the date identifier for January 4th is marked as 0; and so on. Finally, the number of consecutive 1s in the date identifiers corresponding to the default dates of all loan transactions for the same customer is counted to determine the number of consecutive default days.
[0043] As can be seen from the above, in the relevant technologies, when calculating the consecutive default days of loan customers, it is necessary to rely on loop calculation, which cannot achieve batch parallel processing of the consecutive default days of multiple loan businesses of multiple customers, resulting in low efficiency in calculating the consecutive default days.
[0044] To address the aforementioned problems, embodiments of this application provide a method, apparatus, electronic device, and storage medium for processing default data. The method for processing default data provided in this application embodiment will be described first below.
[0045] It should be noted that the data statistics system can execute the default data processing method provided in the embodiments of this application. This data statistics system can be applied in financial institutions, can obtain relevant data of the financial institution's customers, and can count the consecutive default dates of the financial institution's customers in order to conduct risk assessment of the customers.
[0046] Figure 1 A flowchart illustrating a method for processing default data according to an embodiment of this application is shown. Figure 1 As shown, the method includes the following steps:
[0047] Step S101: Obtain the default date sequence of the first defaulting object.
[0048] In step S101, the first defaulting object is an object that has defaulted on its obligations in fulfilling the financial business. For example, the first defaulting object could be an object in a loan business that has either completed repayment after the due date or has not yet completed repayment after the due date. In this application, the first defaulting object can be any one of multiple defaulting objects; that is, in this application, the same data processing method is used to count the consecutive default dates of each defaulting object.
[0049] Furthermore, in step S101, the default date sequence consists of the default dates of at least one financial transaction of the first defaulting entity. For example, for a loan transaction, if the default start date and default end date of the first defaulting entity are January 1st and January 5th respectively, then the default date sequence consists of the date intervals determined by January 1st and January 5th, i.e., the default date sequence consists of January 1st, January 2nd, January 3rd, January 4th, and January 5th, and the default dates in the default date sequence are arranged in chronological order. As another example, in a scenario where the first defaulting entity has multiple defaulted financial transactions, the default date sequence of the first defaulting entity consists of the date intervals determined by the default start dates and default end dates of the multiple defaulted financial transactions. Similarly, in a scenario where the first defaulting entity has multiple defaulted financial transactions, the default date sequence is obtained by arranging the default date intervals of all defaulted financial transactions in chronological order.
[0050] It should be noted that, in this application, the default date sequence is a sequence consisting of at least one default date, and the default date sequence includes at least the default start date and default end date for each defaulted financial transaction. For processed financial transactions, the default end date is the date the defaulted financial transaction was processed. For example, for overdue and repaid loans, the default end date can be the repayment date. For unprocessed financial transactions, the default end date can be the current date of the continuous default dates of the defaulting entity as counted by the data statistics system. For example, for overdue but not yet repaid loans, if the data statistics system counts the continuous default dates of the first defaulting entity on January 4th, but the first defaulting entity had not repaid before January 4th, then in this count, the default end date is January 4th.
[0051] As an example, the data statistics system calculates the consecutive default dates of all defaulting objects every preset statistical period (e.g., daily, monthly). When the current date reaches the statistical date, the data statistics system obtains the default start and end dates of all defaulted financial transactions of all defaulting objects. Then, based on the object identifier of the defaulting object, it obtains the default start and end dates of the defaulted financial transactions corresponding to the first defaulting object and forms a default date sequence.
[0052] As another example, after receiving a data statistics instruction from a business person, the data statistics system can parse the instruction to obtain the object identifier of the first defaulting object to be counted, and then obtain the default start and end dates of all defaulted financial transactions of the first defaulting object based on the object identifier of the first defaulting object, and then generate a default date sequence based on the default start and end dates.
[0053] As another example, the data statistics system can also determine the consecutive default dates of the first defaulting party within a certain time period based on the data statistics instructions issued by business personnel. For example, it can count the consecutive default dates of the first defaulting party within one year.
[0054] Step S102: Perform backward offset processing on the sequence position of the default date in the default date sequence to obtain the backward offset sequence.
[0055] In step S102, in a scenario where the default dates in the default date sequence are arranged in ascending order, a backward shift is performed on the default date sequence. This essentially increments the position of each default date in the sequence by one, i.e., shifts it one position backward. For example, in... Figure 2 In the sequence of default dates for object A shown, the corresponding default dates are dates d(1) to d(n), and the sequence positions corresponding to the n default dates are 1 to n respectively; then for Figure 2 After performing backward offset processing on the default date sequence shown, we get Figure 3The backward offset sequence is shown. Figure 3 It can be seen that, compared with the default date sequence before the offset, the sequence position of the default date in the default date sequence after the offset is shifted by one position. For example, for date d(1), the sequence position before the offset is 1, and the sequence position after the offset is 2.
[0056] Step S103: Associate the default date sequence and the backward offset sequence to obtain the first date sequence.
[0057] In step S103, after performing a backward offset on the default date sequence, the data statistics system correlates the two sequences before and after the backward offset. For example, for Figure 2 and Figure 3 In this regard, the data statistics system correlates default dates with the same sequence position in two default date sequences to obtain... Figure 4 The associated default date sequence is shown. Then, dates with the same sequence position but consecutive dates are removed from the associated default date sequence to obtain the start date of the consecutive default dates of the first defaulting object, thus obtaining the first date sequence.
[0058] It should be noted that, in determining the start date of the consecutive default days of a defaulting party, this application only needs to shift the position of the default date in the default date sequence backward. The start date of the consecutive default days can be determined based on the default date sequence after the shift and the default date sequence before the shift, without having to compare each default date in the sequence. That is, the solution provided by this application is independent of the number of default days of the defaulting party. Therefore, even as the default days of the defaulting party increase, the computational workload of calculating the consecutive default days will not increase, thereby improving the computational efficiency of calculating the consecutive default days.
[0059] Step S104: Perform forward offset processing on the sequence position of the default date in the default date sequence to obtain the forward offset sequence.
[0060] In step S104, in a scenario where the default dates in the default date sequence are arranged in ascending order, a forward shift is performed on the default date sequence. Essentially, this involves decrementing the position of each default date in the sequence by one, i.e., shifting it forward by one position. For example, in... Figure 2 In the sequence of default dates for object A shown, the corresponding default dates are dates d(1) to d(n), and the sequence positions corresponding to the n default dates are 1 to n respectively; then for Figure 2 After forward offset processing, the default date sequence shown is obtained. Figure 5 The forward offset sequence shown. Figure 5It can be seen that, compared with the default date sequence before the offset, the sequence position of the default date in the default date sequence after the offset is shifted forward by one position. For example, for date d(2), the sequence position before the offset is 2, and the sequence position after the offset is 1.
[0061] Step S105: Associate the default date sequence and the forward offset sequence to obtain a second date sequence, wherein the second date sequence includes at least the end date of the consecutive default dates of the first defaulting object.
[0062] In step S105, after performing a forward offset on the default date sequence, the data statistics system correlates the two sequences before and after the backward offset. For example, for Figure 2 and Figure 5 In this regard, the data statistics system correlates default dates with the same sequence position in two default date sequences to obtain... Figure 6 The associated default date sequence is shown. Then, dates with the same sequence position but consecutive dates are removed from the associated default date sequence to obtain the end date of the consecutive default dates of the first defaulting object, thus obtaining the second date sequence.
[0063] It should be noted that, in determining the end date of the consecutive default days of a defaulting party, this application only needs to shift the position of the default date in the default date sequence forward. The end date of the consecutive default days can be determined based on the default date sequence after the shift and the default date sequence before the shift, without having to compare each default date in the sequence. That is, the solution provided by this application is independent of the number of default days of the defaulting party. Therefore, even as the default days of the defaulting party increase, the computational workload of calculating the consecutive default days will not increase, thereby improving the computational efficiency of calculating the consecutive default days.
[0064] Step S106: Determine the number of consecutive default days for the first defaulting object based on the first date sequence and the second date sequence.
[0065] After determining the first date sequence containing the start date of the consecutive default days and the second date sequence containing the end date of the consecutive default days, the data statistics system can obtain the dates with the same sequence position from the two date sequences to obtain the date range of consecutive defaults. Then, based on the date range of consecutive defaults, the consecutive default days of the first defaulting party can be determined.
[0066] Based on the scheme defined in steps S101 to S106 above, it can be understood that in determining the number of consecutive default days of a defaulting party, this application only needs to shift the position of the default date in the default date sequence backward and forward. The start and end dates of the consecutive default days can be determined based on the default date sequence after the shift and the default date sequence before the shift, without having to compare the default date sequence one by one. That is, the scheme provided by this application is unrelated to the number of default days of the defaulting party. Therefore, even as the default days of the defaulting party increase, the computational workload of calculating the number of consecutive default days will not increase, thereby improving the computational efficiency of calculating the number of consecutive default days.
[0067] The following explains each step from S101 to S106.
[0068] First, in practical applications, financial institutions may have multiple defaulting entities on the same date. In this scenario, the data statistics system can simultaneously perform statistical analysis on the consecutive default days of multiple defaulting entities.
[0069] It should be noted that in this application, the consecutive default days of multiple defaulting entities can be calculated simultaneously. Compared with the calculation method of each customer and each day in related technologies, the solution provided in this application can realize the batch calculation of consecutive default days, which further improves the calculation efficiency of consecutive default days of multiple customers.
[0070] Specifically, the data statistics system first obtains the default data of multiple defaulting entities. The default data of each defaulting entity includes at least the object identifier of the defaulting entity and the start and end dates of the default of the financial business corresponding to the defaulting entity.
[0071] After obtaining default data from multiple defaulting entities, the data statistics system maps the start and end dates of the defaults of these entities to the target sequence.
[0072] It should be noted that the target sequence includes at least the default date ranges of financial transactions corresponding to multiple defaulting entities. The initial sequence corresponding to the target sequence is a sequence containing date ranges, and its sequence structure is as follows: Figure 7 As shown, the start date of the initial sequence is earlier than the default start date of all defaulted transactions of all defaulting entities, and the end date of the initial sequence is later than the default end date of all defaulted transactions of all defaulting entities. For example, the start date of the initial sequence is January 1, 1900, and the end date of the initial sequence is December 31, 2999. That is, the start and end dates of the initial sequence cover the default start and end dates of all financial transactions.
[0073] Furthermore, it should be noted that after obtaining the initial sequence, the default date range of the financial transaction corresponding to each defaulting entity can be mapped to the initial sequence to obtain the target sequence. This can be achieved by using database table joins to batch map the default date ranges of multiple defaulting entities.
[0074] In one example, it can be adopted Figure 8 The date mapping method shown will Figure 8 The default start and end dates of multiple defaulting entities on the left are mapped to Figure 8 From the initial sequence on the right, we obtain Figure 9 The target sequence is shown.
[0075] As an example, for Figure 10 The table shown contains data on the start and end dates of defaults for multiple financial transactions involving multiple defaulting entities. Figure 10 After mapping the shown start and end dates of the default, we can obtain... Figure 11 The target sequence is shown.
[0076] It should be noted that, typically, the target sequence contains multiple default date ranges for defaulting objects. When determining the consecutive default dates of a specific defaulting object, it is necessary to extract the default date range for that object from the target sequence. That is, after determining the target sequence, the data statistics system extracts the default dates corresponding to the object identifier of the first defaulting object from the target sequence, and sorts the default dates corresponding to the object identifier of the first defaulting object according to a preset date order to obtain the initial default date sequence.
[0077] As an example, for Figure 12 The target sequence shown can be used by the data statistics system to extract the default dates of object A (i.e., defaulting object A) and defaulting object B (i.e., defaulting object B) respectively, thereby obtaining... Figure 13 The initial default date sequence for object A and the initial default date sequence for object B are shown.
[0078] by Figure 11 Taking the target sequence shown as an example, from Figure 11 Extract the date sequence of object A from the target sequence shown, and obtain... Figure 14 The image shows the initial default date sequence for object A. It should be noted that... Figure 14 The sequence of initial default dates is divided into two columns.
[0079] It is noteworthy that, since object A has multiple duplicate dates in the initial default date sequence, after obtaining the initial default date sequence, it is necessary to remove duplicate default dates from the initial default date sequence to obtain the default date sequence of the first defaulting object.
[0080] Specifically, when the first defaulting entity has multiple financial transactions, the overlapping date ranges are determined from the default dates corresponding to the multiple financial transactions of the first defaulting entity, and the overlapping dates corresponding to the overlapping date ranges are determined. Then, the initial default date sequence is deduplicated based on the overlapping dates to obtain the default date sequence of the first defaulting entity.
[0081] For example, for Figure 14 The initial sequence of default dates for object A shown contains two default dates on January 2nd. In this case, one default date needs to be removed, leaving only the January 2nd default date. Similarly, for the three default dates on January 5th, two need to be removed, leaving only one. Figure 14 After deduplication of the initial default date sequence of object A shown, we get Figure 15 The initial default date sequence (i.e., default date sequence) after deduplication is shown.
[0082] It should be noted that, for ease of demonstration, Figure 15 The deduplicated sequence of default dates is displayed in two columns, with each default date's position in the sequence labeled. Specifically, after deduplicating the initial sequence of default dates, the default dates are sorted by date size, ensuring that the position of each defaulting object starts from 1 and is sorted in descending order.
[0083] In addition, it should be noted that in scenarios where it is necessary to deduplicat the initial default date sequence of multiple defaulting objects, the database's distinct statement can be used to achieve this.
[0084] Furthermore, after obtaining the default date sequence of the first defaulting entity, the data statistics system executes step S102, which involves backward offsetting the default date sequence to obtain a backward offset sequence. For example, for... Figure 15 After performing a backward offset on the shown default date sequence, we can obtain... Figure 16 The backward offset sequence is shown.
[0085] Furthermore, the data statistics system executes step S103, associating the default date sequence and the backward offset sequence to obtain a first date sequence. Specifically, the data statistics system associates default dates with the same position in the default date sequence and the backward offset sequence to obtain multiple first association groups; then, it removes first consecutive association groups from the multiple first association groups to obtain at least one first target association group; finally, it forms the first date sequence based on the first date in the at least one first target association group and the first date in the default date sequence.
[0086] It should be noted that the first consecutive association group mentioned above is an association group where the first date and the second date are consecutive. The first date is a date in the default date sequence, and the second date is a date in the backward offset sequence. The position of the first date in the default date sequence is the same as the position of the second date in the backward offset sequence.
[0087] As an example, with Figure 15 The following is an example of a sequence of default dates, in which... Figure 15 The default date sequence shown is denoted as D1. Figure 16 The backward offset sequence shown is denoted as D2. Then, by associating D1 and D2, we obtain... Figure 17 The associated sequence D3 is shown. In D3, default dates with the same position in D1 and D2 form an associated group, for example, in... Figure 17 In the middle, January 2nd, which ranks 2nd, forms a related group with January 1st.
[0088] by Figure 17 Let's take an example to explain. In the associated sequence of the same object, retain the missing information item in D2, that is, retain the first default date of D1; at the same time, retain the dates in D1 that have the same position as D2 but are not consecutive. For example, for position 16, the default date corresponding to D1 is January 20th, and the default date corresponding to D2 is January 15th. Since the two dates are not consecutive, January 20th from D1 is retained. Simultaneously, remove the dates in D1 that have the same position as D2 but are consecutive. For example, for position 2, the default date corresponding to D1 is January 2nd, and the default date corresponding to D2 is January 1st. Since the two dates are consecutive, January 2nd from D1 is removed. Through the above operations, we can obtain... Figure 18 The first date sequence shown is denoted as D4asc in this application.
[0089] Similarly, after obtaining the default date sequence of the first defaulting entity, the data statistics system can execute step S104, which involves forward offsetting the default date sequence to obtain a forward offset sequence. For example, for Figure 15 After performing a backward offset on the shown default date sequence, we can obtain... Figure 19 The forward offset sequence is shown.
[0090] Furthermore, the data statistics system executes step S105, associating the default date sequence and the forward offset sequence to obtain a second date sequence. Specifically, the data statistics system associates default dates with the same position in the default date sequence and the forward offset sequence to obtain multiple second association groups; then, it removes second consecutive association groups from the multiple second association groups to obtain at least one second target association group, and forms a second date sequence based on the third date in the at least one second target association group and the last date in the default date sequence.
[0091] It should be noted that the second consecutive association group is an association group where the third date and the fourth date are consecutive. The third date is a date in the default date sequence, and the fourth date is a date in the backward offset sequence. The position of the third date in the default date sequence is the same as the position of the fourth date in the backward offset sequence.
[0092] As an example, with Figure 15 The following is an example of a sequence of default dates, in which... Figure 19 The backward offset sequence shown is denoted as D4. Then, by associating D1 and D4, we obtain... Figure 20 The associated sequence D5 is shown. In D5, default dates with the same position in D1 and D4 form an associated group, for example, in... Figure 20 In the middle, January 2nd, which ranks 2nd, forms a related group with January 3rd.
[0093] by Figure 20 Let's take an example to explain. In the associated sequence of the same object, retain the missing information item in D4, that is, retain the last default date of D1; at the same time, retain the dates in D1 that have the same position as D4 but are not consecutive. For example, for position 15, the default date corresponding to D1 is January 15th, and the default date corresponding to D4 is January 20th. Since the two dates are not consecutive, retain January 15th from D1; simultaneously, remove the dates in D1 that have the same position as D4 but are consecutive. For example, for position 2, the default date corresponding to D1 is January 2nd, and the default date corresponding to D4 is January 3rd. Since the two dates are consecutive, remove January 2nd from D1. Through the above operations, we can obtain... Figure 21 The second date sequence shown is denoted as D7asc in this application.
[0094] It should be noted that the above... Figures 15 to 21 The process of counting the start and end dates of consecutive default dates for a single defaulting object is only shown. In scenarios where there are multiple defaulting objects, it is necessary to compare whether the object identifiers in the two sequences before and after the offset are the same. If they are the same, the above method can be used for processing.
[0095] Furthermore, it should be noted that in this application, the dates in the date sequence are sorted in ascending order by default, that is, all date sequences in this application are sorted in ascending order by date.
[0096] Furthermore, after obtaining the first date sequence and the second date sequence, the data statistics system can obtain the target start date and target end date with the same position from the first date sequence and the second date sequence respectively, and determine the number of consecutive default days of the first defaulting object based on the target start date and target end date.
[0097] by Figure 18 and Figure 21 For example, by taking the default date with the sequence number 1 from D4asc and D7asc respectively, we get the start and end dates of the first consecutive default dates, namely January 1 and January 15; then, by taking the default date with the sequence number 2 from D4asc and D7asc respectively, we get the start and end dates of the second consecutive default dates, namely January 20 and January 25.
[0098] The above process can be used to obtain... Figure 22 The following is a sequence of consecutive default dates for object A. Based on this sequence, the consecutive default days for object A can be determined to be 15 days and 5 days. Similarly, for object B, the corresponding sequence of consecutive default dates is as follows: Figure 23 As shown, the number of consecutive default days for object B is 10 days.
[0099] Furthermore, after determining the number of consecutive default days for the first defaulting entity based on the first and second date sequences, the data statistics system can determine the longest consecutive default days from among the multiple consecutive default days for the first defaulting entity. Then, a risk assessment is performed on the first defaulting entity based on the longest consecutive default days to obtain the risk assessment result. For example, if the longest consecutive default days for the defaulting entity are relatively long (e.g., the longest consecutive default days are greater than a preset number of days), it is predicted that the defaulting entity may have financial problems, and the defaulting entity is identified as a high-risk entity. When the defaulting entity conducts other business, such as applying for a loan again, financial institutions can reduce the loan amount or restrict loan conditions.
[0100] As can be seen from the above, the solution provided in this application adopts a date mapping method to split, deduplicatize, merge, and batch process the segmented date intervals. This solves the problem in related technologies where the computational workload increases exponentially with the number of business transactions and time due to the need for iterative calculations, thereby reducing computational efficiency. As a result, the computational workload for calculating consecutive default dates only increases linearly with the number of business transactions, thereby improving the performance of data processing.
[0101] This application also provides a device for processing default data, such as... Figure 24 As shown, the device 2400 includes: a date sequence acquisition module 2401, a backward offset module 2402, a first sequence association module 2403, a forward offset module 2404, a second sequence association module 2405, and a default days determination module 2406.
[0102] The date sequence acquisition module 2401 is used to acquire the default date sequence of the first default object, wherein the default date sequence consists of the default dates of at least one financial transaction of the first default object, and the first default object is any one of a plurality of default objects;
[0103] The backward offset module 2402 is used to perform backward offset processing on the sequence position of the default date in the default date sequence to obtain the backward offset sequence;
[0104] The first sequence association module 2403 is used to associate the default date sequence and the backward offset sequence to obtain a first date sequence, wherein the first date sequence includes at least the start date of the consecutive default dates of the first defaulting object;
[0105] The forward offset module 2404 is used to perform forward offset processing on the sequence position of the default date in the default date sequence to obtain the forward offset sequence;
[0106] The second sequence association module 2405 is used to associate the default date sequence and the forward offset sequence to obtain a second date sequence, wherein the second date sequence includes at least the end date of the consecutive default dates of the first defaulting object;
[0107] The default day determination module 2406 is used to determine the number of consecutive default days of the first defaulting object based on the first date sequence and the second date sequence.
[0108] As can be seen from the above, in determining the number of consecutive default days of a defaulting party, this application only needs to shift the position of the default date in the default date sequence backward and forward. The start and end dates of the consecutive default days can be determined based on the default date sequence after the shift and the default date sequence before the shift, without having to compare each default date in the sequence. That is, the solution provided by this application is independent of the number of default days of the defaulting party. Therefore, even as the default days of the defaulting party increase, the computational workload of calculating the number of consecutive default days will not increase, thereby improving the computational efficiency of calculating the number of consecutive default days.
[0109] In one example, the date sequence acquisition module includes: a default data acquisition module, a date mapping module, a date extraction module, a date sorting module, and a date deduplication module. Specifically, the default data acquisition module acquires default data for multiple defaulting objects, where each defaulting object's default data includes at least its object identifier and the start and end dates of the default for the corresponding financial transaction. The date mapping module maps the start and end dates of the defaults for multiple defaulting objects to a target sequence, where the target sequence includes at least the default date ranges for the financial transactions corresponding to the multiple defaulting objects. The date extraction module extracts the default dates corresponding to the object identifier of the first defaulting object from the target sequence. The date sorting module sorts the default dates corresponding to the object identifier of the first defaulting object according to a preset date order to obtain an initial default date sequence. The date deduplication module removes duplicate default dates from the initial default date sequence to obtain the default date sequence for the first defaulting object.
[0110] In one example, the date deduplication module is specifically used to determine the overlapping date range from the default dates corresponding to the multiple financial transactions of the first defaulting object when the first defaulting object has multiple financial transactions; determine the overlapping dates corresponding to the overlapping date ranges; and perform deduplication processing on the initial default date sequence based on the overlapping dates to obtain the default date sequence of the first defaulting object.
[0111] In one example, the first sequence association module is specifically used to associate default dates with the same position in the default date sequence and the backward offset sequence to obtain multiple first association groups; remove the first consecutive association group from the multiple first association groups to obtain at least one first target association group, wherein the first consecutive association group is an association group in which the first date and the second date are consecutive, the first date is a date in the default date sequence, the second date is a date in the backward offset sequence, and the position of the first date in the default date sequence is the same as the position of the second date in the backward offset sequence; and form a first date sequence based on the first date in at least one first target association group and the first date in the default date sequence.
[0112] In one example, the second sequence association module is specifically used to associate default dates with the same position in the default date sequence and the forward offset sequence to obtain multiple second association groups; remove the second consecutive association group from the multiple second association groups to obtain at least one second target association group, wherein the second consecutive association group is an association group in which the third date and the fourth date are consecutive, the third date is a date in the default date sequence, the fourth date is a date in the backward offset sequence, and the third date has the same position in the default date sequence as the fourth date has the same position in the backward offset sequence; and form a second date sequence based on the third date in at least one second target association group and the last date in the default date sequence.
[0113] In one example, the default days determination module is specifically used to obtain the target start date and target end date with the same position from the first date sequence and the second date sequence, respectively; and to determine the consecutive default days of the first defaulting object based on the target start date and target end date.
[0114] In one example, the default data processing device further includes a risk assessment module for determining the longest consecutive default days from multiple consecutive default days of the first defaulting object; and performing a risk assessment on the first defaulting object based on the longest consecutive default days to obtain a risk assessment result.
[0115] The default data processing apparatus provided in this application embodiment can implement the various processes implemented in the aforementioned method embodiment, and will not be described again here to avoid repetition.
[0116] Those skilled in the art will clearly understand that, for the sake of convenience and brevity, the above-described division of functional units and modules is merely an example. In practical applications, the above functions can be assigned to different functional units and modules as needed, that is, the internal structure of the device can be divided into different functional units or modules to complete all or part of the functions described above. The functional units and modules in the embodiments can be integrated into one processing unit, or each unit can exist physically separately, or two or more units can be integrated into one unit. The integrated unit can be implemented in hardware or as a software functional unit. Furthermore, the specific names of the functional units and modules are only for easy differentiation and are not intended to limit the scope of protection of this application. The specific working process of the units and modules in the above system can be referred to the corresponding process in the foregoing method embodiments, and will not be repeated here.
[0117] Figure 25 A schematic diagram of the hardware structure of the electronic device provided in an embodiment of this application is shown.
[0118] The electronic device may include a processor 2501 and a memory 2502 storing computer program instructions.
[0119] Specifically, the processor 2501 may include a central processing unit (CPU), an application-specific integrated circuit (ASIC), or one or more integrated circuits that can be configured to implement the embodiments of this application.
[0120] Memory 2502 may include mass storage for data or instructions. For example, and not limitingly, memory 2502 may include a hard disk drive (HDD), floppy disk drive, flash memory, optical disk, magneto-optical disk, magnetic tape, or Universal Serial Bus (USB) drive, or a combination of two or more of these. Where appropriate, memory 2502 may include removable or non-removable (or fixed) media. Where appropriate, memory 2502 may be internal or external to the integrated gateway disaster recovery device. In a particular embodiment, memory 2502 is non-volatile solid-state memory.
[0121] Memory may include read-only memory (ROM), random access memory (RAM), disk storage media devices, optical storage media devices, flash memory devices, and electrical, optical, or other physical / tangible memory storage devices. Therefore, typically, memory includes one or more tangible (non-transitory) computer-readable storage media (e.g., memory devices) encoded with software including computer-executable instructions, and when the software is executed (e.g., by one or more processors), it is operable to perform the operations described with reference to the methods according to one aspect of this disclosure.
[0122] The processor 2501 reads and executes computer program instructions stored in the memory 2502 to implement any of the default data processing methods in the above embodiments.
[0123] In one example, the electronic device may also include a communication interface 2503 and a bus 2510. For example, Figure 25 As shown, the processor 2501, memory 2502, and communication interface 2503 are connected through bus 2510 and complete communication with each other.
[0124] The communication interface 2503 is mainly used to realize communication between various modules, devices, units and / or equipment in the embodiments of this application.
[0125] Bus 2510 includes hardware, software, or both, that couples components of an electronic device together. For example, and not limitingly, the bus may include an Accelerated Graphics Port (AGP) or other graphics bus, an Enhanced Industry Standard Architecture (EISA) bus, a Front Side Bus (FSB), HyperTransport (HT) interconnect, an Industry Standard Architecture (ISA) bus, an Infinite Bandwidth Interconnect, a Low Pin Count (LPC) bus, a memory bus, a Microchannel Architecture (MCA) bus, a Peripheral Component Interconnect (PCI) bus, a PCI-Express (PCI-X) bus, a Serial Advanced Technology Attachment (SATA) bus, a Video Electronics Standards Association Local (VLB) bus, or other suitable buses, or combinations of two or more of these. Where appropriate, bus 2510 may include one or more buses. Although specific buses are described and illustrated in embodiments of this application, any suitable bus or interconnect is contemplated herein.
[0126] Furthermore, in conjunction with the default data processing methods in the above embodiments, this application embodiment can provide a computer-readable storage medium for implementation. This computer-readable storage medium stores computer program instructions; when executed by a processor, these computer program instructions implement any of the default data processing methods in the above embodiments.
[0127] Furthermore, in conjunction with the default data processing methods in the above embodiments, this application embodiment can provide a computer program product for implementation. When the instructions in this computer program product are executed by the processor of an electronic device, the electronic device performs any of the default data processing methods described in the above embodiments.
[0128] It should be clarified that this application is not limited to the specific configurations and processes described above and shown in the figures. For the sake of brevity, detailed descriptions of known methods are omitted here. In the above embodiments, several specific steps are described and shown as examples. However, the method process of this application is not limited to the specific steps described and shown. Those skilled in the art can make various changes, modifications, and additions, or change the order of steps, after understanding the spirit of this application.
[0129] The functional modules shown in the above-described block diagram can be implemented as hardware, software, firmware, or a combination thereof. When implemented in hardware, they can be, for example, electronic circuits, application-specific integrated circuits (ASICs), appropriate firmware, plug-ins, function cards, etc. When implemented in software, the elements of this application are programs or code segments used to perform the required tasks. Programs or code segments can be stored on a machine-readable medium or transmitted over a transmission medium or communication link via data signals carried on a carrier wave. "Machine-readable medium" can include any medium capable of storing or transmitting information. Examples of machine-readable media include electronic circuits, semiconductor memory devices, ROM, flash memory, erasable ROM (EROM), floppy disks, CD-ROMs, optical disks, hard disks, fiber optic media, radio frequency (RF) links, etc. Code segments can be downloaded via computer networks such as the Internet, intranets, etc.
[0130] It should also be noted that the exemplary embodiments mentioned in this application describe methods or systems based on a series of steps or apparatus. However, this application is not limited to the order of the above steps; that is, the steps can be performed in the order mentioned in the embodiments, or in a different order, or several steps can be performed simultaneously.
[0131] The foregoing flowcharts and / or block diagrams describing methods, apparatuses, electronic devices, and storage media for processing default data according to embodiments of this disclosure have described various aspects of the present disclosure. It should be understood that each block in the flowcharts and / or block diagrams, and combinations of blocks in the flowcharts and / or block diagrams, can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, a special-purpose computer, or other programmable data processing apparatus to create a machine such that these instructions, executable via the processor of the computer or other programmable data processing apparatus, enable the implementation of the functions / actions specified in one or more blocks of the flowcharts and / or block diagrams. Such a processor can be, but is not limited to, a general-purpose processor, a special-purpose processor, a special application processor, or a field-programmable logic circuit. It is also understood that each block in the block diagrams and / or flowcharts, and combinations of blocks in the block diagrams and / or flowcharts, can also be implemented by dedicated hardware performing the specified functions or actions, or can be implemented by a combination of dedicated hardware and computer instructions.
[0132] The above description is merely a specific implementation of this application. Those skilled in the art will clearly understand that, for the sake of convenience and brevity, the specific working processes of the systems, modules, and units described above can be referred to the corresponding processes in the foregoing method embodiments, and will not be repeated here. It should be understood that the protection scope of this application is not limited thereto. Any person skilled in the art can easily conceive of various equivalent modifications or substitutions within the technical scope disclosed in this application, and these modifications or substitutions should all be covered within the protection scope of this application.
Claims
1. A method for processing default data, characterized in that, include: Obtain the default date sequence of the first defaulting object, wherein the default date sequence consists of the default dates of at least one financial transaction of the first defaulting object, and the first defaulting object is any one of a plurality of defaulting objects; The position of the default date in the default date sequence is shifted backward to obtain a backward-shifted sequence; The default date sequence and the backward offset sequence are correlated to obtain a first date sequence, wherein the first date sequence includes at least the start date of the consecutive default dates of the first defaulting object; The position of the default date in the default date sequence is shifted forward to obtain a forward-shifted sequence; The default date sequence and the forward offset sequence are correlated to obtain a second date sequence, wherein the second date sequence includes at least the end date of the consecutive default dates of the first defaulting object; The number of consecutive default days of the first defaulting entity is determined based on the first date sequence and the second date sequence.
2. The method according to claim 1, characterized in that, Obtain the sequence of default dates for the first defaulting party, including: Obtain the default data of the multiple defaulting objects, wherein the default data of each defaulting object includes at least the object identifier of the corresponding defaulting object and the start and end dates of the default of the financial business corresponding to the defaulting object; Map the default start and end dates corresponding to the multiple defaulting objects to a target sequence, wherein the target sequence includes at least the default date range of the financial business corresponding to the multiple defaulting objects; Extract the default date corresponding to the object identifier of the first defaulting object from the target sequence; The default dates corresponding to the object identifiers of the first defaulting object are sorted according to a preset date order to obtain an initial default date sequence; The default dates in the initial default date sequence are deduplicated to obtain the default date sequence of the first defaulting object.
3. The method according to claim 2, characterized in that, The initial default date sequence is deduplicated to obtain the default date sequence of the first defaulting object, including: In the case where the first defaulting entity has multiple financial transactions, the overlapping date range is determined from the default dates corresponding to the multiple financial transactions of the first defaulting entity; Determine the overlapping dates corresponding to the overlapping date ranges; Based on the overlapping dates, the initial default date sequence is deduplicated to obtain the default date sequence of the first defaulting object.
4. The method according to any one of claims 1 to 3, characterized in that, By associating the default date sequence and the backward offset sequence, a first date sequence is obtained, including: The default date sequence and the backward offset sequence are associated with default dates that have the same position to obtain multiple first association groups; Remove the first consecutive association group from the plurality of first association groups to obtain at least one first target association group, wherein the first consecutive association group is an association group in which the first date and the second date are consecutive, the first date is a date in the default date sequence, the second date is a date in the backward offset sequence, and the position of the first date in the default date sequence is the same as the position of the second date in the backward offset sequence; The first date sequence is composed of a first date in the at least one first target association group and a first date in the default date sequence.
5. The method according to any one of claims 1 to 3, characterized in that, By associating the default date sequence and the forward offset sequence, a second date sequence is obtained, including: By associating default dates with the same position in the default date sequence and the forward offset sequence, multiple second association groups are obtained; Remove the second consecutive association group from the plurality of second association groups to obtain at least one second target association group, wherein the second consecutive association group is an association group in which the third date and the fourth date are consecutive, the third date is a date in the default date sequence, the fourth date is a date in the backward offset sequence, and the third date has the same position in the default date sequence as the fourth date has the same position in the backward offset sequence; The second date sequence is composed of a third date in the at least one second target association group and the last date in the default date sequence.
6. The method according to claim 1, characterized in that, Determining the number of consecutive default days for the first defaulting entity based on the first date sequence and the second date sequence includes: Obtain the target start date and target end date with the same position from the first date sequence and the second date sequence, respectively; The number of consecutive default days for the first defaulting entity is determined based on the target start date and the target end date.
7. The method according to claim 6, characterized in that, After determining the number of consecutive default days for the first defaulting entity based on the first date sequence and the second date sequence, the method further includes: The longest consecutive default days are determined from the multiple consecutive default days of the first defaulting party; A risk assessment is performed on the first defaulting entity based on the longest consecutive number of default days, and the risk assessment result is obtained.
8. A device for processing default data, characterized in that, The device includes: The date sequence acquisition module is used to acquire the default date sequence of the first defaulting object, wherein the default date sequence consists of the default dates of at least one financial transaction of the first defaulting object, and the first defaulting object is any one of a plurality of defaulting objects; The backward offset module is used to perform backward offset processing on the sequence position of the default date in the default date sequence to obtain a backward offset sequence; The first sequence association module is used to associate the default date sequence and the backward offset sequence to obtain a first date sequence, wherein the first date sequence includes at least the start date of the consecutive default dates of the first defaulting object; The forward offset module is used to perform forward offset processing on the sequence position of the default date in the default date sequence to obtain a forward offset sequence; The second sequence association module is used to associate the default date sequence and the forward offset sequence to obtain a second date sequence, wherein the second date sequence includes at least the end date of the consecutive default dates of the first defaulting object; The default days determination module is used to determine the number of consecutive default days of the first defaulting object based on the first date sequence and the second date sequence.
9. An electronic device, characterized in that, Electronic devices include: processors and memory storing computer program instructions; When the processor executes the computer program instructions, it implements the method for processing default data as described in any one of claims 1-7.
10. A computer-readable storage medium, characterized in that, A computer-readable storage medium stores computer program instructions that, when executed by a processor, implement the method for processing default data as described in any one of claims 1-7.
11. A computer program product, characterized in that, When the instructions in the computer program product are executed by the processor of the electronic device, the electronic device performs the method for processing default data as described in any one of claims 1-7.