Method for generating loan products

Abstract

The disclosure provides a loan product generation method, the method comprising: in response to a first selection operation, selecting a target page template matching a target loan product to be generated from a plurality of candidate page templates; in response to a second selection operation, selecting target rules under a plurality of strategy dimensions associated with the target loan product from a plurality of candidate rules, wherein the target rules are used to make decisions on application information in the target page template to obtain decision results under corresponding decision dimensions; in response to a third selection operation, selecting at least one form template associated with the target loan product; wherein the form template is used to investigate and / or approve target information in the application information according to the decision results under each decision dimension; and combining the target page template, the target rules under the plurality of strategy dimensions, and the at least one form template to generate the target loan product, thereby improving loan processing efficiency and the effectiveness of risk prevention and control of the loan product.

Description

Technical Field

[0001] This disclosure relates to the field of Internet technology, and in particular to a method for generating a loan product. Background Technology

[0002] Loan products are a form of credit activity in which financial institutions (such as banks) lend monetary funds at a certain interest rate and under the condition that the funds must be repaid. By selling loan products, financial institutions can distribute the money and funds they have collected, thereby meeting the needs of society for supplementary funds for expanded reproduction, promoting economic development, and at the same time, obtaining loan interest income and increasing their own wealth accumulation.

[0003] Currently, when customers apply for loan products, financial institution staff select various process nodes for the loan product, input the customer's application information according to the selected process nodes, and approve the application information to determine whether the customer is authorized to apply for the loan product. However, the above-mentioned manual selection of process nodes and loan approval method is cumbersome, inefficient, and cannot effectively control the risks of loan products. Summary of the Invention

[0004] This disclosure provides a method for generating loan products, thereby at least partially addressing one of the technical problems in related technologies. The technical solution of this disclosure is as follows:

[0005] According to a first aspect of the present disclosure, a method for generating a loan product is provided, comprising: responding to a first selection operation, selecting a target page template matching a target loan product to be generated from a plurality of candidate page templates, wherein the target page template is used to input application information of the target loan product; responding to a second selection operation, selecting target rules under a plurality of strategy dimensions associated with the target loan product from a plurality of candidate rules, wherein at least one target rule under each strategy dimension is used to make a decision on the application information to obtain a decision result under the corresponding decision dimension; responding to a third selection operation, selecting at least one form template associated with the target loan product; wherein the form template is used to select target information from the application information according to the decision results under each decision dimension, and to investigate and / or approve the target information; and combining the target page template, the target rules under the plurality of strategy dimensions, and the at least one form template to generate the target loan product.

[0006] According to a second aspect of the present disclosure, a loan product generation apparatus is provided, comprising: a first selection module, configured to, in response to a first selection operation, select a target page template matching a target loan product to be generated from a plurality of candidate page templates, wherein the target page template is used to input application information of the target loan product; a second selection module, configured to, in response to a second selection operation, select target rules under a plurality of strategy dimensions associated with the target loan product from a plurality of candidate rules, wherein at least one target rule under each strategy dimension is used to make a decision on the application information to obtain a decision result under the corresponding decision dimension; a third selection module, configured to, in response to a third selection operation, select at least one form template associated with the target loan product; wherein the form template is used to select target information from the application information according to the decision results under each decision dimension, and to investigate and / or approve the target information; and a generation module, configured to combine the target page template, the target rules under the plurality of strategy dimensions, and the at least one form template to generate the target loan product.

[0007] According to a third aspect of the present disclosure, an electronic device is provided, comprising: a processor; and a memory for storing processor-executable instructions; wherein the processor is configured to execute the instructions to implement a method for generating a loan product as described in the first aspect of the present disclosure.

[0008] According to a fourth aspect of the present disclosure, a computer-readable storage medium is provided that, when instructions in the computer-readable storage medium are executed by a processor of an electronic device, enables the electronic device to perform a loan product generation method as described in the first aspect of the present disclosure.

[0009] According to a fifth aspect of the present disclosure, a computer program product is provided, comprising: a computer program that, when executed by a processor, implements the loan product generation method as described in the first aspect of the present disclosure.

[0010] The technical solutions provided by the embodiments of this disclosure have at least the following beneficial effects:

[0011] 1. Based on the target page template, target rules under multiple strategy dimensions, and at least one form template, a target loan product is generated. This allows applicants to input application information based on the target page template when applying for a loan product, eliminating the need for business personnel to manually select process nodes for information input. This simplifies the process, improves loan processing efficiency, and enables decision-making based on the target rules under multiple strategy dimensions of the target loan product. Furthermore, it allows for investigation and / or approval of target information based on the decision results under multiple decision dimensions, effectively controlling the risks of loan products.

[0012] 2. Based on the decision results under each strategy dimension, the target risk level corresponding to the application information is determined. Based on the risk level, the investigation form template and approval form template matching the risk level are determined. Based on the field information in the investigation form template, the target information matching the field information is determined from the application information, and the target information is investigated. And / or, the target information is approved according to the approval form template. This realizes targeted risk control based on the risk level and improves the accuracy of risk control.

[0013] 3. If the target credit score is greater than the set score threshold, the target information is determined to have passed the approval of the target loan product, and the target object associated with the target information is allowed to execute the business corresponding to the target loan product. If the target credit score is less than or equal to the set score threshold, the target information is determined to have failed the approval of the target loan product, and the target object is prohibited from executing the business corresponding to the target loan product. This avoids customers with low credit applying for loan products and reduces losses.

[0014] It should be understood that the above general description and the following detailed description are exemplary and explanatory only, and are not intended to limit this disclosure. Attached Figure Description

[0015] The accompanying drawings, which are incorporated in and form part of this specification, illustrate embodiments consistent with this disclosure and, together with the description, serve to explain the principles of this disclosure, and are not intended to unduly limit this disclosure.

[0016] Figure 1 This is a flowchart illustrating the method for generating a loan product as shown in the first embodiment of this disclosure;

[0017] Figure 2 This is a flowchart illustrating the method for generating a loan product as shown in the second embodiment of this disclosure;

[0018] Figure 3 This is a flowchart illustrating the method for generating a loan product as shown in the third embodiment of this disclosure;

[0019] Figure 4 This is a flowchart illustrating the method for generating a loan product as shown in the fourth embodiment of this disclosure;

[0020] Figure 5 This is a schematic diagram of the loan product generation process shown in the embodiments of this disclosure;

[0021] Figure 6 This is a schematic diagram of the assembly process of the loan product shown in the embodiments of this disclosure;

[0022] Figure 7 This is a schematic diagram of the structure of the loan product generation apparatus shown in the fifth embodiment of this disclosure;

[0023] Figure 8 This is a schematic diagram of the structure of an electronic device shown in an exemplary embodiment of the present disclosure. Detailed Implementation

[0024] To enable those skilled in the art to better understand the technical solutions of this disclosure, the technical solutions in the embodiments of this disclosure will be clearly and completely described below with reference to the accompanying drawings.

[0025] It should be noted that the terms "first," "second," etc., used in the specification, claims, and accompanying drawings of this disclosure are used to distinguish similar objects and are not necessarily used to describe a specific order or sequence. It should be understood that such data can be interchanged where appropriate so that the embodiments of this disclosure described herein can be implemented in orders other than those illustrated or described herein. The embodiments described in the following exemplary embodiments do not represent all embodiments consistent with this disclosure. Rather, they are merely examples of apparatuses and methods consistent with some aspects of this disclosure as detailed in the appended claims.

[0026] It should be noted that the collection, storage, use, processing, transmission, provision and disclosure of user personal information involved in the technical solution disclosed herein are all carried out with the consent of the user, and all comply with the provisions of relevant laws and regulations, and do not violate public order and good morals.

[0027] The method for generating loan products according to embodiments of this disclosure is described below with reference to the accompanying drawings.

[0028] Figure 1 This is a flowchart illustrating the method for generating a loan product as shown in the first embodiment of this disclosure.

[0029] like Figure 1 As shown, the method for generating this loan product may include the following steps:

[0030] Step 101: In response to the first selection operation, select the target page template that matches the target loan product to be generated from multiple candidate page templates.

[0031] The target page template is used to input application information for the target loan product.

[0032] As one possible implementation, multiple candidate page templates can be pre-configured, each corresponding to a loan product. The candidate page templates may include controls such as forms, buttons, and query boxes.

[0033] As an example, when generating a target loan product, in response to the first selection operation, a target page template matching the target loan product to be generated can be selected from multiple candidate page templates. The target page template can be used to input the application information for the target loan product. Thus, when processing loan products, business personnel do not need to select process nodes to input application information, reducing operation steps and improving loan processing efficiency.

[0034] Step 102: In response to the second selection operation, select the target rule from multiple candidate rules that is associated with the target loan product under multiple strategy dimensions.

[0035] Among them, at least one target rule under each strategy dimension is used to make decisions on the application information in order to obtain the decision results under the corresponding decision dimension.

[0036] As one possible implementation, in response to the second selection operation, a target rule associated with the target loan product can be selected from multiple candidate rules in the rule pool. The multiple strategy dimensions may include marketing, operation, risk control, etc., and each strategy dimension may include at least one target rule.

[0037] For example, target rules may include anti-fraud rules, business access rules (such as the target audience for loan products), and risk access rules.

[0038] It should be noted that at least one objective rule under each strategy dimension can be used to make decisions on application information in order to obtain the decision results under the corresponding decision dimension.

[0039] Step 103, in response to the third selection operation, select at least one form template associated with the target loan product.

[0040] The form template is used to select target information from the application information based on the decision results under each decision dimension, and to investigate and / or approve the target information.

[0041] As one possible implementation of this disclosure, in response to a third selection operation, at least one form template associated with the target loan product can be selected from a plurality of form templates, such as an investigation report template, a credit approval process template, etc.

[0042] It should be noted that form templates can be used to select target information from application information based on the decision results under various decision dimensions, and to investigate and / or approve the target information. For example, an investigation report template can be used to investigate target information in the application information, and a credit approval process template can be used to approve target information in the application information. In addition, at least one form template associated with the target loan product may also include: an authorization letter template and a payment authorization template. The authorization letter template is a template for customers to input relevant authorization information, and the payment authorization template is used to clarify the rights and obligations between the borrower and the lender, ensuring that the borrower can use the loan funds in accordance with the purpose agreed in the contract.

[0043] Step 104: Combine the target page template, target rules under multiple strategy dimensions, and at least one form template to generate the target loan product.

[0044] To improve loan processing efficiency and control risks in loan products, as a possible approach, the target loan product may include a target page template, target rules under multiple strategy dimensions, and at least one form template. As an example, the target page template, target rules under multiple strategy dimensions, and at least one form template can be combined or spliced ​​together to generate the target loan product.

[0045] In summary, by responding to the first selection operation, a target page template matching the target loan product to be generated is selected from multiple candidate page templates; by responding to the second selection operation, target rules under multiple strategy dimensions associated with the target loan product are selected from multiple candidate rules; and by responding to the third selection operation, at least one form template associated with the target loan product is selected. The target page template, the target rules under multiple strategy dimensions, and at least one form template are combined to generate the target loan product. This allows for simplified procedures and improved loan processing efficiency when applying for a loan product, as application information is entered based on the target page template, eliminating the need for business personnel to manually select process nodes. Furthermore, by making decisions based on the target rules under multiple strategy dimensions of the target loan product and investigating and / or approving the target information based on the decision results under multiple decision dimensions, effective risk control for the loan product is achieved.

[0046] To clearly illustrate how the target page template, target rules under multiple strategy dimensions, and at least one form template are combined in the above embodiments to generate the target loan product, this disclosure proposes another method for generating loan products.

[0047] Figure 2 This is a flowchart illustrating the method for generating a loan product as shown in the second embodiment of this disclosure.

[0048] like Figure 2 As shown, the method for generating this loan product may include the following steps:

[0049] Step 201: In response to the first selection operation, select the target page template that matches the target loan product to be generated from multiple candidate page templates.

[0050] The target page template is used to input application information for the target loan product.

[0051] Step 202: In response to the second selection operation, select the target rule from multiple candidate rules that is associated with the target loan product under multiple strategy dimensions.

[0052] Among them, at least one target rule under each strategy dimension is used to make decisions on the application information in order to obtain the decision results under the corresponding decision dimension.

[0053] Step 203, in response to the third selection operation, select at least one form template associated with the target loan product.

[0054] The form template is used to select target information from the application information based on the decision results under each decision dimension, and to investigate and / or approve the target information.

[0055] Step 204: Combine the target page template, target rules under multiple strategy dimensions, and at least one form template to generate a loan product template.

[0056] The loan product template includes parameter information, which may include, but is not limited to: the loan applicant, the purpose of the loan, and the guarantee method.

[0057] To improve the accuracy of risk control for loan products, the target loan product may also include basic information and component information. The basic information may include: product name, product number, etc., and the component information may include: loan entity, loan purpose, guarantee method, currency type, repayment channel, loan contract term, etc.

[0058] As an example, in response to a first configuration operation, basic information of the target loan product is configured; in response to a second configuration operation, component information of at least one component associated with the target loan product is configured, wherein the component information is used to generate parameter information; the basic information, the component information associated with at least one component, the target page template, the target rules under multiple strategy dimensions, and at least one form template are combined to generate a loan product template.

[0059] Step 205: Instantiate the parameter information in the loan product template to obtain the target loan product.

[0060] For example, the loan subject, loan purpose, and guarantee method in the loan product template can be instantiated. For instance, the loan subject can be determined to be a group aged 30-55, the loan purpose is to purchase a house, and the guarantee method is real estate mortgage.

[0061] It should be noted that, in order to improve the efficiency of loan product generation, before combining the target page template, target rules under multiple strategy dimensions, and at least one form template to generate the target loan product, it is possible to query whether there is a reference loan product among the multiple loan products in the loan product catalog, based on the target page template, target rules under multiple strategy dimensions, and at least one form template. The reference loan product is compatible with the target page template, target rules under multiple strategy dimensions, and at least one form template. If there is no reference loan product among the multiple loan products in the loan product catalog, the target page template, target rules under multiple strategy dimensions, and at least one form template are combined to generate the target loan product.

[0062] To improve the efficiency of loan product search, after generating the target loan product, it can be stored in the loan product directory.

[0063] In summary, by combining the target page template, target rules under multiple strategy dimensions, and at least one form template, a loan product template is generated; the parameter information in the loan product template is instantiated to obtain the target loan product. Thus, the target loan product can be generated effectively, and the accuracy of risk control for the target loan product can be achieved.

[0064] As one possible implementation of this disclosure, after generating the target loan product, the financial institution can sell or issue the target loan product. During the issuance of the target loan product, it can receive loan requests sent by clients and investigate or approve the application information in the loan requests. The following describes... Figure 3 The embodiments provide a detailed explanation of the above process.

[0065] Figure 3 This is a flowchart illustrating the method for generating a loan product as shown in the third embodiment of this disclosure.

[0066] like Figure 3 As shown, based on any of the above embodiments, the method for generating the loan product may further include the following steps:

[0067] Step 301: Receive the loan request sent by the client.

[0068] The loan request is generated in response to the application information entered in the target page template of the target loan product.

[0069] In this embodiment of the disclosure, a loan request sent by a client can be received. The loan request carries application information, which is entered in the target page template. The application information may include the product identifier of the loan product (e.g., product code), the object identifier of the target object (e.g., account information, ID number, etc.), and the loan amount, etc.

[0070] Step 302: Using target rules under multiple strategy dimensions associated with the target loan product, decisions are made on the application information in the loan request to obtain decision results under each strategy dimension.

[0071] As one possible implementation of this disclosure, the application information in the loan request is input into various strategy dimensions. For each strategy dimension, a corresponding decision rule is applied, and the application information is matched with the rule to obtain the decision result under that strategy dimension. The decision results of all strategy dimensions are combined to obtain the final decision result. For example, multiple strategy dimensions include: risk control dimension, marketing dimension, and operation dimension. For example, the risk control dimension: scores the applicant based on factors such as credit history, income status, and debt status to obtain a score result; the operation dimension: determines the guarantee score based on factors such as the applicant's asset status and credit status, where a higher guarantee score indicates a higher probability of providing a guarantee to the applicant; the marketing dimension: reviews the application information and determines the matching score between the application information and the target loan product.

[0072] Step 303: Using at least one form template associated with the target loan product, investigate and / or approve the target information in the application information based on the decision results under each strategy dimension.

[0073] In order to improve loan processing efficiency and the accuracy of risk control of loan products, as a possible implementation of this disclosure, at least one form template associated with the target loan product is used to determine the target information from the application information and to investigate and / or approve the target information.

[0074] In summary, by receiving loan requests sent by clients, and using target rules under multiple strategy dimensions associated with the target loan product, decisions are made on the application information in the loan request to obtain decision results under each strategy dimension. Using at least one form template associated with the target loan product, and based on the decision results under each strategy dimension, the target information in the application information is investigated and / or approved. Thus, risk control of the loan product to be purchased can be effectively achieved.

[0075] To clearly illustrate how at least one form template associated with the target loan product is used in the above embodiments to investigate and / or approve the target information in the application information based on the decision results under each strategy dimension, this disclosure proposes another method for generating loan products.

[0076] Figure 4 This is a flowchart illustrating the method for generating a loan product as shown in the fourth embodiment of this disclosure.

[0077] like Figure 4 As shown, based on any of the above embodiments, the method for generating the loan product may further include the following steps:

[0078] Step 401: Receive the loan request sent by the client.

[0079] The loan request is generated in response to the application information entered in the target page template of the target loan product.

[0080] Step 402: Using target rules under multiple strategy dimensions associated with the target loan product, decisions are made on the application information in the loan request to obtain decision results under each strategy dimension.

[0081] Step 403: Determine the target risk level corresponding to the application information based on the decision results under each strategy dimension.

[0082] In order to achieve targeted risk control of loan products, as an example, at least one form template matching the risk level can be used to investigate and / or approve the target information in the application information. Therefore, in this embodiment of the disclosure, the target risk level corresponding to the application information can be determined according to the decision results under each strategy dimension.

[0083] As an example, for any strategy dimension, the first weight of each target rule under that strategy dimension is obtained; from the decision results under any strategy, the first decision score corresponding to each target rule under that strategy dimension is determined; using the first weight of each target rule under that strategy dimension, the first decision scores corresponding to each target rule under that strategy dimension are weighted and summed to obtain the second decision score under that strategy dimension; the second weight of each strategy dimension is obtained, and using each second weight, the second decision scores under each strategy dimension are weighted and summed to obtain the target score; based on the target score, the target risk level corresponding to the application information is determined.

[0084] In other words, each strategy dimension can include at least one target rule, and each target rule under each strategy dimension has a corresponding first weight. The magnitude of the first weight is positively correlated with the attention level of the corresponding target rule. Each target rule can make a decision on the application information and obtain a corresponding first decision score. Then, by using the first weight of each target rule under any strategy dimension, the first decision scores corresponding to each target rule under any strategy dimension are weighted and summed to obtain a second decision score for that strategy dimension. Each strategy dimension has a corresponding second weight, and the magnitude of the second weight is positively correlated with the attention level of the corresponding strategy dimension. Then, by using each second weight, the second decision scores under each strategy dimension are weighted and summed to obtain a target score. Based on the target score, the target risk level corresponding to the application information can be determined. For example, based on the target score, multiple value ranges of set risk levels can be queried to determine the target risk level from multiple set risk levels, wherein the target score is located within the value range of the target risk level.

[0085] Step 404: Based on the risk level, determine the survey form template and approval form template that match the risk level.

[0086] To improve loan processing efficiency and the accuracy of risk control for loan products, as an example, targeted risk control can be implemented based on risk levels. For instance, a survey form template matching the risk level can be used to investigate target information in the application, and / or an approval template matching the risk level can be used to approve target information. Different risk levels correspond to different target information. For example, for relatively high risk levels, target information may include: loan purpose, collateral information, borrower's age, health, marital status, education, occupation, income, assets, repayment ability, and other basic information such as family member information and living situation. For relatively low risk levels, target information only includes basic information such as loan purpose and collateral information. In other words, the higher the risk level, the more detailed the target information investigated.

[0087] Step 405: Based on the field information in the survey form template, determine the target information that matches the field information from the application information, conduct a survey on the target information, and / or approve the target information according to the approval form template.

[0088] To improve loan processing efficiency, as one possible implementation of this disclosure, field information can be extracted from the survey form template, target information matching the field information can be obtained from the application information, and the target information can be investigated, such as manually investigating the target information, and / or approving the target information according to the approval form template, wherein the approval form template may include various process nodes for approving the target information.

[0089] To improve the accuracy of risk control for loan products, prevent customers with low credit from obtaining loans, and reduce losses, as an example, during the approval process based on the approval form template, the target credit rating model in the template can be used to predict the creditworthiness of the target information and obtain a target credit score. Then, it can be determined whether the target credit score is greater than a set score threshold. If the target credit score is greater than the set score threshold, the target information is deemed to have passed the approval for the target loan product, and the target entity associated with the target information is allowed to execute the business corresponding to the target loan product. If the target credit score is less than or equal to the set score threshold, the target information is deemed to have failed the approval for the target loan product, and the target entity is prohibited from executing the business corresponding to the target loan product.

[0090] In summary, by determining the target risk level corresponding to the application information based on the decision results under each strategy dimension, and then determining the investigation form template and approval form template that match the risk level, the target information that matches the field information is determined from the application information based on the field information in the investigation form template, and the target information is investigated, and / or approved according to the approval form template. Thus, targeted risk control is carried out according to the risk level, improving the accuracy of risk control.

[0091] Based on any of the above embodiments, the implementation process of this disclosure can be as follows: Figure 5 As shown, the main steps include:

[0092] 1. Product Creation. Guided by the product system methodology, requirements are collected and analyzed from multiple aspects, including customer positioning, operational business processes, risk control decision-making requirements, operational goals, and regulatory requirements. Product creation includes requirements in four dimensions: marketing, risk control, operations, and regulatory reporting.

[0093] 2. Modularization of Investigation and Approval (Process Modules). The entire credit lifecycle of existing products is divided from two levels: value delivery and resource capabilities, ensuring that the modules can be combined and assembled. Based on credit business, it is generally divided into the following modules: 1-Scenario Access (e.g., determining whether the customer is suitable for this region, whether their age is appropriate, etc.), 2-Customer Management, 3-Application Process (entering application information), 4-Risk Pre-screening, 5-Tiered Due Diligence, 6-Review and Approval, 7-Contract Signing and Loan Disbursement, 8-Post-Loan Inspection, 9-Post-Loan Changes;

[0094] 3. Modular Forms. Forms are generated from modularized processes and collected from the perspective of business process nodes. The content of each form is simultaneously broken down, with a granularity that fully considers information collection points in business processing under different risk levels. This includes topics such as basic loan application information, loan applicant information, loan purpose information, financial status information, primary source of repayment, guarantee information, other information, investigation conclusions and opinions, etc.

[0095] 4. Modularization of Decision-Making Rules. Building upon the modularization of processes, this approach modularizes the risk decision-making elements that influence changes in processes and operational steps. This includes qualitative analysis of risk control rules, models, and strategies. Rules primarily include anti-fraud rules, business access rules, and risk access rules; models primarily include credit rating models, income assessment models, and post-loan early warning and collection models; and strategies primarily include pre-approval strategies, tiered due diligence strategies, review and approval strategies, post-loan collection strategies, and post-loan early warning strategies. The application of these rule libraries, model libraries, and strategy libraries will be adjusted according to the differences in the nine elements of risk control.

[0096] It should be noted that steps 2, 3, and 4 are parallel processes, with process streamlining as the main focus, and form content and decision-making content being extracted simultaneously.

[0097] 5. Product Assembly. Following the product creation in step one, a basic product template is derived from analyzing multiple marketable products. The product manager first creates a basic-level product template, requiring the creation of each element in the decision rules module, form module, and process module, before assembling it in the basic product template assembly factory. Combining decision rules, forms, and processes, and limiting them through the three elements in the risk control dimension (loan entity, loan purpose, and guarantee method), the marketable product is instantiated and adjusted based on the basic product template to form the final marketable product model (target loan product).

[0098] As an example, the implementation principle of this disclosure mainly includes the following parts:

[0099] 1. Product assembly process

[0100] like Figure 6 As shown, product assembly mainly includes the following:

[0101] (1) Page configuration: Configure the product's page template, which includes forms, buttons, page layout, query boxes, etc.

[0102] (2) Control rule configuration: Table 1 is used to sort out the relationship between products and risk control dimensions to achieve control over the review and approval process and task steps. Control elements include policy control factors, product integrity verification factors and approval risk control factors.

[0103] Table 1. Correspondence between Products and Risk Control Dimensions

[0104]

[0105] Approval process configuration: Configure approval processes for different credit types. Process elements include process nodes, candidate roles and personnel, co-signing strategy, and order-grabbing mode.

[0106] Intelligent report configuration: from configuring chapters (controls, tables, properties, page layout, data source), to configuring templates, and then to configuring categories;

[0107] Product catalog configuration: This is mainly used for creating new products and finding the product catalog hierarchy;

[0108] Basic product configuration: Based on the key functionalities analyzed in the preliminary stage, operations personnel can filter suitable basic products from the product catalog. If no suitable basic product can be found, steps 1 to 4 can be used to create a new combination and a new basic product.

[0109] Available product configuration: Available product configuration is based on the basic product (basic product template), and the parameters are assigned values ​​or the value range is further restricted according to the characteristics of available products (such as product use, guarantee method, etc.) to form products that can be sold to customers.

[0110] Product listing and delisting: Product listing requires an approval process, and product attributes only become effective after approval. Product delisting also requires an approval process, and the rules for whether to review and delist the product must be followed.

[0111] 2. Assembly mode of risk control driven process

[0112] Based on all information obtained during the online application process (inputting application information), and after a pre-screening phase, the system assigns loan applications to account managers for further processing, and proposes tiered due diligence requirements. In addition to basic customer information and loan application details, the due diligence tasks assigned to account managers also include suggestions on investigation methods and content.

[0113] The due diligence tasks of account managers are divided into 6 major investigation levels and 11 major investigation content categories. The investigation levels of the 6 major categories of due diligence tasks are matched with the risk levels and ordered from high to low. The investigation content is divided into "no investigation required," "off-site investigation," and "on-site investigation" according to the complexity and rigor, from low to high. In micro-credit loans, the highest level usually adopts a more rigorous investigation method. The risk level will be determined based on the routing configuration of the product risk control parameter table.

[0114] With the above Figures 1 to 6 Corresponding to the loan product generation method provided in the embodiments, this disclosure also provides a loan product generation apparatus. Since the loan product generation apparatus provided in the embodiments of this disclosure is similar to the one described above... Figures 1 to 6 The loan product generation method provided in the embodiments corresponds to the loan product generation method provided in this disclosure, and therefore the implementation method of the loan product generation method is also applicable to the loan product generation apparatus provided in this disclosure, and will not be described in detail in this disclosure.

[0115] Figure 7 This is a schematic diagram of the structure of the loan product generation apparatus shown in the fifth embodiment of this disclosure.

[0116] like Figure 7 As shown, the loan product generation device 700 includes: a first selection module 710, a second selection module 720, a third selection module 730, and a generation module 740.

[0117] The system comprises the following modules: a first selection module 710, which, in response to a first selection operation, selects a target page template from multiple candidate page templates that matches the target loan product to be generated, wherein the target page template is used to input the application information of the target loan product; a second selection module 720, which, in response to a second selection operation, selects target rules from multiple candidate rules under multiple strategy dimensions associated with the target loan product, wherein at least one target rule under each strategy dimension is used to make decisions on the application information to obtain decision results under the corresponding decision dimension; a third selection module 730, which, in response to a third selection operation, selects at least one form template associated with the target loan product, wherein the form template is used to select target information from the application information according to the decision results under each decision dimension, and to investigate and / or approve the target information; and a generation module 740, which combines the target page template, the target rules under multiple strategy dimensions, and at least one form template to generate the target loan product.

[0118] As one possible implementation of this disclosure, the generation module 740 is used to combine the target page template, target rules under multiple strategy dimensions, and at least one form template to generate a loan product template. The loan product template includes parameter information, which includes: loan subject, loan purpose, and guarantee method. The parameter information in the loan product template is instantiated to obtain the target loan product.

[0119] As one possible implementation of this disclosure, the generation module 740 is further configured to, in response to a first configuration operation, configure basic information of the target loan product; in response to a second configuration operation, configure component information of at least one component associated with the target loan product, wherein the component information is used to generate parameter information; and combine the basic information, the component information associated with at least one component, the target page template, the target rules under multiple strategy dimensions, and at least one form template to generate a loan product template.

[0120] As one possible implementation of this disclosure, the generation module 740 is further configured to query whether a reference loan product exists among multiple loan products in the loan product catalog based on the target page template, target rules under multiple strategy dimensions, and at least one form template, wherein the reference loan product is adapted to the target page template, target rules under multiple strategy dimensions, and at least one form template; in response to the absence of a reference loan product among the multiple loan products in the loan product catalog, the target page template, target rules under multiple strategy dimensions, and at least one form template are combined to generate a target loan product.

[0121] As one possible implementation of this disclosure, the loan product generation apparatus 700 further includes a storage module.

[0122] The storage module is used to store target loan products in the loan product catalog.

[0123] As one possible implementation of this disclosure, the loan product generation apparatus 700 further includes: a receiving module, a decision module, and a processing module.

[0124] The system includes a receiving module for receiving loan requests sent by the client, where the loan request is generated in response to application information entered in the target page template of the target loan product; a decision module for making decisions on the application information in the loan request using target rules under multiple strategy dimensions associated with the target loan product, so as to obtain the decision results under each strategy dimension; and a processing module for investigating and / or approving the target information in the application information using at least one form template associated with the target loan product, based on the decision results under each strategy dimension.

[0125] As one possible implementation of this disclosure, the processing module is configured to determine the target risk level corresponding to the application information based on the decision results under each strategy dimension; determine the investigation form template and approval form template matching the risk level based on the risk level; determine the target information matching the field information from the application information based on the field information in the investigation form template, and investigate the target information; and / or approve the target information according to the approval form template.

[0126] As one possible implementation of this disclosure, the processing module is configured to use the target credit rating model in the approval form template to perform credit prediction on the target information to obtain a target credit score; if the target credit score is greater than a set score threshold, determine that the target information has passed the approval of the target loan product and allow the target object associated with the target information to perform the business corresponding to the target loan product; if the target credit score is less than or equal to the set score threshold, determine that the target information has not passed the approval of the target loan product and prohibit the target object from performing the business corresponding to the target loan product.

[0127] As one possible implementation of this disclosure, the processing module is configured to: obtain the first weight of each target rule under any strategy dimension for any strategy dimension; determine the first decision score corresponding to each target rule under any strategy dimension from the decision results under any strategy; use the first weight of each target rule under any strategy dimension to perform a weighted summation of the first decision scores corresponding to each target rule under any strategy dimension to obtain a second decision score under any strategy dimension; obtain the second weight of each strategy dimension, and use each second weight to perform a weighted summation of the second decision scores under each strategy dimension to obtain a target score; and determine the target risk level corresponding to the application information based on the target score.

[0128] As one possible implementation of this disclosure, the processing module is used to query the value range of multiple set risk levels based on the target score, so as to determine the target risk level from the multiple set risk levels, wherein the target score is located within the value range of the target risk level.

[0129] The loan product generation apparatus of this disclosure, in response to a first selection operation, selects a target page template matching the target loan product to be generated from a plurality of candidate page templates; in response to a second selection operation, selects target rules under multiple strategy dimensions associated with the target loan product from a plurality of candidate rules; in response to a third selection operation, selects at least one form template associated with the target loan product; and combines the target page template, the target rules under multiple strategy dimensions, and at least one form template to generate the target loan product. This simplifies the process and improves efficiency by allowing application information to be entered based on the target page template during loan processing, eliminating the need for staff to manually select process nodes. Furthermore, the apparatus makes decisions based on the target rules under multiple strategy dimensions of the target loan product and investigates and / or approves the target information based on the decision results under multiple decision dimensions, effectively controlling the risk of the loan product.

[0130] In an exemplary embodiment, an electronic device is also proposed.

[0131] The electronic devices include:

[0132] processor;

[0133] Memory used to store processor-executable instructions;

[0134] The processor is configured to execute instructions to implement the loan product generation method as proposed in any of the foregoing embodiments.

[0135] As an example, Figure 8 This is a schematic diagram of the structure of an electronic device 800 as shown in an exemplary embodiment of this disclosure, as follows: Figure 8 As shown, the above-mentioned electronic device 800 may further include:

[0136] The system includes a memory 810 and a processor 820, and a bus 830 connecting different components (including the memory 810 and the processor 820). The memory 810 stores a computer program, which, when executed by the processor 820, implements the loan product generation method described in this embodiment.

[0137] Bus 830 represents one or more of several bus architectures, including a memory bus or memory controller, a peripheral bus, a graphics acceleration port, a processor, or a local bus using any of the various bus architectures. Examples of these architectures include, but are not limited to, the Industry Standard Architecture (ISA) bus, the Micro Channel Architecture (MAC) bus, the Enhanced ISA bus, the Video Electronics Standards Association (VESA) local bus, and the Peripheral Component Interconnect (PCI) bus.

[0138] Electronic device 800 typically includes a variety of electronic device readable media. These media can be any available media that can be accessed by electronic device 800, including volatile and non-volatile media, removable and non-removable media.

[0139] The memory 810 may also include computer system readable media in the form of volatile memory, such as random access memory (RAM) 840 and / or cache memory 850. The server 800 may further include other removable / non-removable, volatile / non-volatile computer system storage media. By way of example only, the storage system 860 may be used to read and write non-removable, non-volatile magnetic media (…). Figure 8 Not shown; usually referred to as a "hard drive"). Although Figure 8Not shown, a disk drive for reading and writing to a removable non-volatile disk (e.g., a "floppy disk") and an optical disk drive for reading and writing to a removable non-volatile optical disk (e.g., a CD-ROM, DVD-ROM, or other optical media) may be provided. In these cases, each drive may be connected to bus 830 via one or more data media interfaces. Memory 810 may include at least one program product having a set (e.g., at least one) of program modules configured to perform the functions of the embodiments of this disclosure.

[0140] A program / utility 880 having a set (at least one) of program modules 870 may be stored, for example, in memory 810. Such program modules 870 include, but are not limited to, an operating system, one or more application programs, other program modules, and program data. Each or some combination of these examples may include an implementation of a network environment. Program modules 870 typically perform the functions and / or methods described in the embodiments of this disclosure.

[0141] Electronic device 800 can also communicate with one or more external devices 890 (e.g., keyboard, pointing device, display 891, etc.), and with one or more devices that enable a user to interact with electronic device 800, and / or with any device that enables electronic device 800 to communicate with one or more other computing devices (e.g., network card, modem, etc.). This communication can be performed via input / output (I / O) interface 892. Furthermore, electronic device 800 can also communicate with one or more networks (e.g., local area network (LAN), wide area network (WAN), and / or public networks, such as the Internet) via network adapter 893. As shown, network adapter 893 communicates with other modules of electronic device 800 via bus 830. It should be understood that, although not shown in the figures, other hardware and / or software modules can be used in conjunction with electronic device 800, including but not limited to: microcode, device drivers, redundant processing units, external disk drive arrays, RAID systems, tape drives, and data backup storage systems.

[0142] The processor 820 performs various functional applications and data processing by running programs stored in the memory 810.

[0143] It should be noted that the implementation process and technical principles of the electronic device in this embodiment are explained in the foregoing description of the loan product generation method of this disclosure embodiment, and will not be repeated here.

[0144] In an exemplary embodiment, a computer-readable storage medium including instructions is also provided, such as a memory including instructions, which can be executed by a processor of an electronic device to complete the loan product generation method proposed in any of the above embodiments. Optionally, the computer-readable storage medium may be a ROM, random access memory (RAM), CD-ROM, magnetic tape, floppy disk, and optical data storage device, etc.

[0145] In an exemplary embodiment, a computer program product is also provided, including a computer program / instructions, characterized in that the computer program / instructions, when executed by a processor, implement the loan product generation method proposed in any of the above embodiments.

[0146] Other embodiments of this disclosure will readily occur to those skilled in the art upon consideration of the specification and practice of the invention disclosed herein. This disclosure is intended to cover any variations, uses, or adaptations of this disclosure that follow the general principles of this disclosure and include common knowledge or customary techniques in the art not disclosed herein. The specification and examples are to be considered exemplary only, and the true scope and spirit of this disclosure are indicated by the following claims.

[0147] It should be understood that this disclosure is not limited to the precise structures described above and shown in the accompanying drawings, and various modifications and changes can be made without departing from its scope. The scope of this disclosure is limited only by the appended claims.

Claims

1. A method of generating a loan product, characterized by, The method comprises: selecting, in response to a first selection operation, a target page template matching a target loan product to be generated from a plurality of candidate page templates, wherein the target page template is used to input application information of the target loan product; selecting, in response to a second selection operation, target rules in a plurality of strategy dimensions associated with the target loan product from a plurality of candidate rules, wherein the plurality of strategy dimensions comprise a marketing dimension, an operation dimension, and a risk control dimension, the plurality of candidate rules comprise anti-fraud rules, business access rules, and risk access rules, and at least one target rule in each strategy dimension is used to make a decision on the application information to obtain a decision result in the corresponding strategy dimension, wherein each target rule in any strategy dimension has a first weight, the size of the first weight is positively correlated with the attention degree of the corresponding target rule, each strategy dimension has a second weight, and the size of the second weight is positively correlated with the attention degree of the corresponding strategy dimension; selecting, in response to a third selection operation, at least one form template associated with the target loan product; wherein the form template is used to obtain a target score according to the decision result in each decision dimension, the first weight of each target rule in each strategy dimension, and the second weight of each decision dimension, determine a target risk level corresponding to the application information according to the target score, determine an investigation form template and an approval form template matching the risk level according to the risk level, determine target information matching field information in the investigation form template from the application information based on the field information, and investigate the target information, and / or approve the target information according to the approval form template; combining the target page template, the target rules in the plurality of strategy dimensions, and the at least one form template to generate the target loan product.

2. The method of claim 1, wherein, The combination of the target page template, the target rules in the plurality of strategy dimensions, and the at least one form template to generate the target loan product comprises: combining the target page template, the target rules in the plurality of strategy dimensions, and the at least one form template to generate a loan product template, wherein the loan product template comprises parameter information, and the parameter information comprises a loan subject, a loan purpose, and a guarantee method; instantiating the parameter information in the loan product template to obtain the target loan product.

3. The method of claim 2, wherein, The combination of the target page template, the target rules in the plurality of strategy dimensions, and the at least one form template to generate a loan product template comprises: configuring, in response to a first configuration operation, basic information of the target loan product; configuring, in response to a second configuration operation, component information of at least one component associated with the target loan product, wherein the component information is used to generate the parameter information. combining the base information, the component information associated with the at least one component, the target page template, the target rules under the plurality of policy dimensions, and the at least one form template to generate the loan product template.

4. The method of claim 1, wherein, The combining the target page template, the target rules under the plurality of policy dimensions, and the at least one form template to generate the target loan product comprises: querying, according to the target page template, the target rules under the plurality of policy dimensions, and the at least one form template, a plurality of loan products in a loan product catalog to determine whether a reference loan product exists, wherein the reference loan product is adapted to the target page template, the target rules under the plurality of policy dimensions, and the at least one form template; in response to the plurality of loan products in the loan product catalog not having the reference loan product, combining the target page template, the target rules under the plurality of policy dimensions, and the at least one form template to generate the target loan product.

5. The method of claim 4, wherein, The method further comprises: storing the target loan product in the loan product catalog.

6. The method of claim 1, wherein, The method further comprises: receiving a loan request sent by a client, wherein the loan request is generated in response to application information input in a target page template in the target loan product; adopting target rules under a plurality of policy dimensions associated with the target loan product to make decisions on the application information in the loan request to obtain decision results under each policy dimension; adopting at least one form template associated with the target loan product to investigate and / or approve target information in the application information according to the decision results under each policy dimension.

7. The method of claim 6, wherein, The approving the target information according to the approval form template comprises: adopting a target credit rating model in the approval form template to perform credit prediction on the target information to obtain a target credit score; in a case where the target credit score is greater than a set score threshold, determining that the target information passes the approval of the target loan product, and allowing a target object associated with the target information to perform a business corresponding to the target loan product; in a case where the target credit score is less than or equal to the set score threshold, determining that the target information does not pass the approval of the target loan product, and prohibiting the target object from performing the business corresponding to the target loan product.

8. The method of claim 6, wherein, The determining a target risk level corresponding to the application information according to the decision results under each policy dimension comprises: for any policy dimension, obtaining a first weight of each target rule under the any policy dimension; from the decision results under the any policy, determining a first decision score corresponding to each target rule under the any policy dimension; and determining a target risk level corresponding to the application information according to the decision results under each policy dimension. The first decision score corresponding to each target rule under any strategy dimension is weighted and summed by using the first weight of each target rule under the strategy dimension to obtain a second decision score under the strategy dimension; A second weight of each strategy dimension is obtained, and the second decision scores under each strategy dimension are weighted and summed by using the second weights to obtain a target score; According to the target score, a target risk level corresponding to the application information is determined.

9. The method of claim 8, wherein, The target risk level corresponding to the application information is determined according to the target score, including: According to the target score, a value interval of a plurality of set risk levels is queried to determine a target risk level from the plurality of set risk levels, wherein the target score is located in the value interval of the target risk level.

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