A post-loan management task allocation method, device, equipment and medium

Abstract

The application discloses a post-loan management task allocation method and device, equipment and medium, and relates to the technical field of automatic control. The method comprises the following steps: determining a to-be-processed customer in a current account period stage generated in batch processing of a bank system and a to-be-processed task package corresponding to the to-be-processed customer; classifying the to-be-processed customer and counting required workloads of the to-be-processed task package; if the to-be-processed customer is a stock customer, directly allocating the to-be-processed task package corresponding to the stock customer to a first target customer manager according to a first task allocation logic; if the to-be-processed customer is a new customer, determining a target workload corresponding to the new customer according to the required workloads, and then allocating the to-be-processed task package corresponding to the new customer to a second target customer manager according to a second task allocation logic based on the target workload. Through the technical scheme, the overall resource utilization rate of bank post-loan management can be improved.

Description

Technical Field

[0001] This invention relates to the field of automation control technology, and in particular to a method, apparatus, equipment and medium for allocating post-loan management tasks. Background Technology

[0002] Post-loan tasks in banking are characterized by their variety and large quantity. Currently, according to banking business rules, the banking system uses two allocation schemes for post-loan tasks: 1. Allocation based on task type, where a specific person handles fixed types of tasks; 2. Allocation based on customer, where all tasks for a single customer are assigned to one account manager. The implementation methods of these two allocation schemes are summarized below:

[0003] Option 1: The system pre-plans the types of tasks to be processed and the personnel who can handle them, with each person assigned to handle a fixed type of post-loan task. When the system has customer tasks to be processed, it assigns the task to the corresponding handler based on the task type.

[0004] Option 2: Based on the premise that account managers can handle all types of tasks in the system. When the system has customer tasks to be processed, the system packages all the customer's tasks into a task package and randomly assigns it to any account manager for processing, or assigns it to the account manager with the fewest task packages to process based on the number of task packages currently available to each account manager.

[0005] The disadvantages of Option 1 can be summarized as follows: 1. When processing a task, the handler needs to check information such as the customer's basic information and previous processing status each time. In other words, task processing depends on other customer information, which may be related to historical data and other types of task data. However, this approach inevitably leads to problems such as incomplete or insufficient understanding of the customer's basic information by the handler, thus affecting the efficiency of task processing; 2. A customer may generate multiple types of tasks simultaneously, and there may be potential relationships between the tasks. However, according to this option, the handler can only obtain information on one type of task for that customer, thus affecting the completeness of task processing.

[0006] The disadvantages of Option 2 can be summarized as follows: 1. Random allocation may lead to uneven workloads among account managers, thus reducing overall resource utilization. 2. Allocation based on the number of task packages to be processed by each account manager does not consider the differences in work efficiency among account managers, resulting in highly efficient account managers consistently being assigned the most task packages, leading to low overall resource utilization. 3. Due to random allocation, tasks for the same customer may be assigned to different account managers at different billing periods. Account managers may lack sufficient understanding of the customer's historical situation or have misunderstandings of other account managers' past handling conclusions, leading to low task processing efficiency or even conclusions that do not reflect the true situation.

[0007] Therefore, how to provide a solution to the above-mentioned technical problems is a problem that needs to be solved by those skilled in the art. Summary of the Invention

[0008] In view of this, the purpose of this invention is to provide a method, apparatus, device, and medium for allocating post-loan management tasks, which can solve the problems of uneven allocation of post-loan management tasks and low overall resource utilization in banking systems. The specific solution is as follows:

[0009] Firstly, this application discloses a method for allocating post-loan management tasks, including:

[0010] Identify the pending customers and corresponding pending task packages generated during batch processing in the banking system for the current accounting period;

[0011] The customers to be processed are classified, and the required workload of each of the task packages to be processed is calculated.

[0012] If the customer to be processed is an existing customer, then the task package to be processed corresponding to the existing customer is directly assigned to the first target account manager according to the first task allocation logic.

[0013] If the customer to be processed is a new customer, then the target workload corresponding to the new customer is determined according to the required workload, and then the task package to be processed corresponding to the new customer is assigned to the second target customer manager according to the second task allocation logic based on the target workload.

[0014] Optionally, before determining the pending customers and corresponding pending task packages generated during batch processing in the banking system for the current accounting period, the method further includes:

[0015] The bank system is initialized to obtain the list of customer managers in the bank system who can be used to allocate post-loan tasks, the post-loan task types corresponding to several currently defined post-loan tasks in the bank system, and the latest required workload of the post-loan tasks in the bank system.

[0016] Optionally, obtaining the latest required workload for the post-loan tasks in the banking system includes:

[0017] Determine the initial workload required for each of the post-loan tasks;

[0018] Obtain the start and end times of the customer manager's handling of the post-loan tasks;

[0019] The average time taken by the account manager to process the post-loan tasks during the current accounting period is determined based on the start processing time and the end processing time, so as to update the initial required workload based on the average time taken to obtain the latest required workload.

[0020] Optionally, the step of calculating the required workload for each of the task packages to be processed includes:

[0021] Determine the target post-loan tasks contained in each of the task packages to be processed, and determine the target post-loan task type corresponding to the target post-loan task;

[0022] Based on the correspondence between the target post-loan tasks and the target post-loan task types, the required workload for each of the task packages to be processed is determined using the latest required workload.

[0023] Optionally, if the customer to be processed is an existing customer, then according to the first task allocation logic, the task package to be processed corresponding to the existing customer is directly allocated to the first target account manager, including:

[0024] If the customer to be processed is an existing customer, then the first target customer manager who has processed the existing customer before the current billing period is determined from the list of customer managers;

[0025] Assign the pending task packages corresponding to the existing customers to the first target customer manager.

[0026] Optionally, if the customer to be processed is a new customer, then the target workload corresponding to the new customer is determined according to the required workload, and then the task package to be processed corresponding to the new customer is allocated to the second target customer manager according to the second task allocation logic based on the target workload, including:

[0027] If the customer to be processed is a new customer, then the target workload corresponding to the new customer is determined according to the required workload, and the target workload is sorted to obtain a first sorting result;

[0028] The workload of the task packages assigned to each account manager in the account manager list within the preset time period is statistically analyzed to obtain a first statistical result, and the workload of the task packages assigned to the existing customers by each account manager in the current billing period is statistically analyzed to obtain a second statistical result.

[0029] Based on the first statistical result and the second statistical result, the current assigned workload of each account manager is determined, and the current assigned workload is sorted to obtain a second sorting result;

[0030] Based on the first sorting result and the second sorting result, the pending task package corresponding to the newly added customer is assigned to the second target customer manager.

[0031] Optionally, assigning the pending task package corresponding to the newly added customer to the second target account manager based on the first sorting result and the second sorting result includes:

[0032] If, based on the first sorting result, it is determined that the target workloads corresponding to the newly added customers are equal, and / or, based on the second sorting result, it is determined that the currently assigned workloads corresponding to the account managers are equal, then the pending task packages corresponding to the newly added customers are randomly assigned to the account managers in the account manager list.

[0033] If, based on the first sorting result, the target workloads corresponding to the new customers are not equal, and based on the second sorting result, the currently assigned workloads corresponding to the account managers are not equal, then a new customer is selected from all the currently unfiltered new customers as the current new customer; the pending task package corresponding to the current new customer is assigned to the account manager with the smallest currently assigned workload in the current second sorting result; the currently assigned workloads of each account manager are re-sorted to obtain a new current second sorting result, and the process jumps back to the step of selecting a new customer from all the currently unfiltered new customers as the current new customer.

[0034] Secondly, this application discloses a post-loan management task allocation device, comprising:

[0035] The resource determination module is used to determine the pending customers and the pending task packages corresponding to the pending customers generated during batch processing in the banking system during the current accounting period.

[0036] The customer classification module is used to classify the customers to be processed.

[0037] The workload statistics module is used to calculate the required workload of each task package to be processed;

[0038] The existing customer processing module is used to directly assign the pending task package corresponding to the existing customer to the first target customer manager according to the first task allocation logic if the customer to be processed is an existing customer.

[0039] A new customer processing module is used to determine the target workload corresponding to the new customer based on the required workload if the customer to be processed is a new customer, and then allocate the task package to be processed corresponding to the new customer to the second target customer manager based on the target workload and the second task allocation logic.

[0040] Thirdly, this application discloses an electronic device, which includes a processor and a memory; wherein the memory is used to store a computer program, which is loaded and executed by the processor to implement the post-loan management task allocation method as described above.

[0041] Fourthly, this application discloses a computer-readable storage medium for storing a computer program; wherein the computer program, when executed by a processor, implements the post-loan management task allocation method as described above.

[0042] This application provides a method for allocating post-loan management tasks, including: identifying pending customers and corresponding pending task packages generated during batch processing in a banking system during the current accounting period; classifying the pending customers and calculating the required workload for each pending task package; if the pending customer is an existing customer, directly allocating the pending task package corresponding to the existing customer to a first target customer manager according to a first task allocation logic; if the pending customer is a new customer, determining the target workload corresponding to the new customer based on the required workload, and then allocating the pending task package corresponding to the new customer to a second target customer manager based on the target workload and a second task allocation logic.

[0043] The beneficial technical effects of this application are as follows: By classifying customers to be processed, and assigning them to different account managers based on whether they are existing or new customers according to different task allocation logics, the workload required for each customer's pending task package is quantified, thus obtaining the relationship between the pending task packages and the required workload. Based on this relationship, the workload corresponding to each customer to be processed in the current accounting period can be statistically calculated. Then, existing customers are directly assigned tasks according to the first task allocation logic, while new customers are further assigned tasks based on the target workload of new customers according to the second task allocation logic, thereby achieving the optimal overall resource utilization. This application can take into account the differences in the work efficiency of account managers, achieving breakthroughs in adapting to the sudden changes in the workload required for customer tasks and optimizing the task allocation of account managers, thus achieving a balanced workload among account managers. In this way, the problem of uneven task allocation and low overall resource utilization in post-loan management in banking systems is solved. Furthermore, based on this technical solution, other technical solutions such as employee work performance statistics, customer user profiling, and optimization of workload for various types of tasks can also be designed.

[0044] In addition, the post-loan management task allocation device, equipment and storage medium provided in this application correspond to the above-mentioned post-loan management task allocation method and have the same effect. Attached Figure Description

[0045] To more clearly illustrate the technical solutions in the embodiments of the present invention or the prior art, the drawings used in the description of the embodiments or the prior art will be briefly introduced below. Obviously, the drawings described below are only embodiments of the present invention. For those skilled in the art, other drawings can be obtained based on the provided drawings without creative effort.

[0046] Figure 1 This application discloses a flowchart of a post-loan management task allocation method;

[0047] Figure 2 This application discloses a flowchart of a specific method for allocating post-loan management tasks.

[0048] Figure 3 This is a flowchart of a multi-task allocation method disclosed in this application;

[0049] Figure 4 This is a schematic diagram of a post-loan management task allocation device disclosed in this application;

[0050] Figure 5 This is a structural diagram of an electronic device disclosed in this application. Detailed Implementation

[0051] The technical solutions of the embodiments of the present invention will be clearly and completely described below with reference to the accompanying drawings. Obviously, the described embodiments are only some embodiments of the present invention, and not all embodiments. Based on the embodiments of the present invention, all other embodiments obtained by those skilled in the art without creative effort are within the scope of protection of the present invention.

[0052] Currently, existing task allocation methods lack consideration of actual circumstances, such as the randomness of the number and types of customer tasks, and the workload already completed by account managers. Therefore, existing allocation methods struggle to achieve balanced task distribution and optimal utilization of account manager resources.

[0053] To address this issue, this application provides a post-loan management task allocation scheme that can solve the problems of uneven allocation of post-loan management tasks and low overall resource utilization in banking business systems.

[0054] This invention discloses a method for allocating post-loan management tasks, see [link to relevant documentation]. Figure 1 As shown, the method includes:

[0055] Step S11: Determine the pending customers and the pending task packages corresponding to the pending customers generated during batch processing in the banking system for the current accounting period.

[0056] In this embodiment of the application, when the bank system is processing in batches, the current accounting period will generate customers to be processed and post-loan tasks corresponding to the customers to be processed. All post-loan tasks under each customer to be processed will be packaged to form a task package to be processed corresponding to each customer to be processed.

[0057] Step S12: Classify the customers to be processed and calculate the required workload for each of the task packages to be processed.

[0058] In this embodiment, customers to be processed are divided into existing customers and new customers. Existing customers are those who have been assigned an account manager to process their requests during previous billing periods; new customers are those who have not been assigned an account manager to process their requests during previous billing periods. Classifying customers to be processed allows us to determine whether they are existing or new customers, and then process their corresponding task packages according to their type.

[0059] It is understood that the task package to be processed includes several post-loan tasks, each of which may correspond to different post-loan task types. The number of each type of post-loan task may be zero or multiple. In this embodiment, the required workload of the post-loan tasks is quantified, and the required workload corresponding to each task package to be processed for each customer is calculated. Therefore, the required workload of each task package to be processed is the sum of the required workloads of all post-loan task types in the task package to be processed.

[0060] Step S13: If the customer to be processed is an existing customer, then the task package to be processed corresponding to the existing customer is directly assigned to the first target customer manager according to the first task allocation logic.

[0061] In one specific implementation, if the customer to be processed is an existing customer, then the existing customer corresponds to the first task allocation logic. The pending tasks for the existing customer are directly assigned to the corresponding account manager, who becomes the first target account manager. The first target account manager is determined by whether the customer has handled post-loan tasks for that existing customer before the current billing period. It's important to note that, in practice, once a new customer is assigned to an account manager, that customer becomes an existing customer in subsequent billing periods and will only be assigned to the same account manager—the account manager who initially assigned the customer. In other words, the first target account manager must have handled post-loan tasks for the corresponding existing customer at least once.

[0062] It is evident that when account managers handle post-loan tasks within a pending task package, the involvement of related information about the task subject will not affect the integrity of the task processing, thus avoiding inefficiencies caused by incomplete or insufficient understanding of the customer's basic information.

[0063] Step S14: If the customer to be processed is a new customer, then determine the target workload corresponding to the new customer according to the required workload, and then allocate the task package to be processed corresponding to the new customer to the second target customer manager according to the second task allocation logic based on the target workload.

[0064] In another specific implementation, if the customer to be processed is a new customer, then the new customer corresponds to the second task allocation logic. When allocating the pending task packages for new customers, it is first necessary to determine the target workload corresponding to the new customer. Then, the second task allocation logic considers the work efficiency of each account manager capable of handling post-loan tasks and the workload of the task packages currently assigned to each account manager. Based on the target workload corresponding to the new customer, the pending task packages corresponding to the new customer are allocated to the second target account manager. It is understood that the first target account manager may be the same as or different from the second target account manager.

[0065] This application provides a method for allocating post-loan management tasks, including: identifying pending customers and corresponding pending task packages generated during batch processing in a banking system during the current accounting period; classifying the pending customers and calculating the required workload for each pending task package; if the pending customer is an existing customer, directly allocating the pending task package corresponding to the existing customer to a first target customer manager according to a first task allocation logic; if the pending customer is a new customer, determining the target workload corresponding to the new customer based on the required workload, and then allocating the pending task package corresponding to the new customer to a second target customer manager based on the target workload and a second task allocation logic.

[0066] The beneficial technical effects of this application are as follows: By classifying customers to be processed, and assigning them to different account managers based on whether they are existing or new customers according to different task allocation logics, the workload required for each customer's pending task package is quantified, thus obtaining the relationship between the pending task packages and the required workload. Based on this relationship, the workload corresponding to each customer to be processed in the current accounting period can be statistically calculated. Then, existing customers are directly assigned tasks according to the first task allocation logic, while new customers are further assigned tasks based on the target workload of new customers according to the second task allocation logic, thereby achieving the optimal overall resource utilization. This application can take into account the differences in the work efficiency of account managers, achieving breakthroughs in adapting to the sudden changes in the workload required for customer tasks and optimizing the task allocation of account managers, thus achieving a balanced workload among account managers. In this way, the problem of uneven task allocation and low overall resource utilization in post-loan management in banking systems is solved. Furthermore, based on this technical solution, other technical solutions such as employee work performance statistics, customer user profiling, and optimization of workload for various types of tasks can also be designed.

[0067] This application discloses a specific method for allocating post-loan management tasks. (See also...) Figure 2 As shown, the method includes:

[0068] Step S21: Initialize the bank system to obtain the list of customer managers in the bank system who can be used to allocate post-loan tasks, the post-loan task types corresponding to several currently defined post-loan tasks in the bank system, and the latest required workload of the post-loan tasks in the bank system.

[0069] In this embodiment of the application, before determining the pending customers and the pending task packages corresponding to the pending customers generated during batch processing in the banking system, it is first necessary to perform system initialization of the banking system to obtain relevant data information.

[0070] Specifically, obtain the list of account managers in the current banking system who can be used for subsequent task allocation and processing, assuming it is k = {k1, k2, ..., k x Therefore, there are a total of x account managers in the account manager list. Specifically, we retrieve the post-loan task types defined in the current banking system, assuming they are T = {T1, T2, ..., T...}. m Therefore, there are a total of m types of post-loan tasks. Specifically, we need to obtain the latest required workload for each type of post-loan task defined in the current banking system, assuming it is... It is worth noting that the post-loan task types can be dynamically configured, and as the system runtime of this technical solution increases, the workload required for processing various tasks tends to stabilize and approach the actual value.

[0071] In this embodiment, the workload of post-loan tasks is quantified to obtain a quantified value of the required workload for each post-loan task. This value is then continuously updated to obtain the latest required workload for each type of post-loan task. This quantification process can be implemented using various methods, including but not limited to analogical estimation, expert judgment, focus groups, and data statistics.

[0072] For example, the solution of the present invention can use an initial quantitative value determined by experts, that is, the initial workload required for each of the post-loan tasks is determined through expert judgment. It is understood that as the banking system continues to operate and update, and considering the work efficiency of account managers handling post-loan tasks, the required workload q for various post-loan tasks needs to be updated in real time.

[0073] Specifically, the start and end times of each customer manager's handling of the post-loan tasks are obtained. Based on these start and end times, the average time spent by the customer manager in handling the post-loan tasks during the current billing period is determined. This average time is then used to update the initial workload requirements to obtain the latest workload requirements. Therefore, by simultaneously recording the start and end times of customer managers' task handling, and statistically analyzing the average time spent by customer managers in handling tasks during the latest billing period, the workload requirements for various post-loan tasks are updated.

[0074] Step S22: Determine the pending customers and the pending task packages corresponding to the pending customers generated during batch processing in the banking system for the current accounting period.

[0075] For a more detailed description of the process of step S22, please refer to the relevant content disclosed in the foregoing embodiments, which will not be repeated here.

[0076] Step S23: Classify the customers to be processed and calculate the required workload for each of the task packages to be processed.

[0077] In this embodiment of the application, when calculating the required workload of each of the pending task packages, the first step is to determine which post-loan tasks are included in each pending task package, and the corresponding post-loan task types. Assume that the pending customers generated during batch processing for the current accounting period are c = {c1, c2, ..., c...} n There are a total of n post-loan tasks. The customers to be processed may generate different types of post-loan tasks during the current accounting period, and the number of each type of post-loan task may be 0 or multiple. Therefore, the total number of post-loan tasks generated by customer n is defined as B. in, This represents the total number of post-loan tasks of type T1 generated by customer n.

[0078] Furthermore, based on the correspondence between the target post-loan tasks and the target post-loan task types, the required workload for each task package to be processed is determined using the latest required workload. Since, as known from the preceding steps, the latest required workload for each type of post-loan task is q, the required workload for customer n's task package to be processed is the sum of the required workloads for all post-loan task types within the task package. Therefore, the required workload for customer n's task package to be processed in the current accounting period is defined as... in, This represents the workload required for customer n to generate a post-loan task of type T1, and so on. In this way, it is possible to calculate... The total workload required for each of the n pending customer task packages.

[0079] Step S24: If the customer to be processed is an existing customer, then the task package to be processed corresponding to the existing customer is directly assigned to the first target customer manager according to the first task allocation logic.

[0080] The pending customers in the current billing period are categorized. In one specific implementation, if the pending customer is an existing customer, then the existing customer corresponds to the first task allocation logic. Step S24 includes:

[0081] Step S241: If the customer to be processed is an existing customer, then determine the first target customer manager who has processed the existing customer before the current billing period from the customer manager list;

[0082] Step S242: Assign the pending task package corresponding to the existing customer to the first target customer manager.

[0083] In this embodiment, the first task allocation logic corresponds to identifying the first target account manager from the account manager list who has handled the post-loan tasks of the corresponding existing customer during the previous billing period. It should be noted that each existing customer corresponds to only one account manager who has handled its relevant post-loan tasks; there is no situation where one existing customer corresponds to multiple target account managers, and all of these account managers have handled the existing customer at least once. That is, as long as it is a post-loan task for an existing customer, it needs to be handled by one account manager continuously. This avoids problems such as low task processing efficiency or inaccurate processing results due to the allocation of a customer's post-loan tasks to different account managers. Furthermore, after obtaining the first target account manager, the pending task package of the existing customer is directly allocated to the first target account manager.

[0084] Step S25: If the customer to be processed is a new customer, then determine the target workload corresponding to the new customer according to the required workload, and then allocate the task package to be processed corresponding to the new customer to the second target customer manager according to the second task allocation logic based on the target workload.

[0085] The pending customers in the current billing cycle are categorized. In another specific implementation, if the pending customer is a newly added customer, then the newly added customer corresponds to the second task allocation logic. Step S25 includes:

[0086] Step S251: If the customer to be processed is a new customer, then determine the target workload corresponding to the new customer according to the required workload, and sort the target workload to obtain a first sorting result.

[0087] As can be understood from the aforementioned steps, there are n customers awaiting processing. Assuming the number of existing customers is s, the number of new customers added during the current accounting period is ns. The target workload corresponding to the pending task packages of the currently unassigned new customers is sorted by size, resulting in either a sorting of workloads for new customers from largest to smallest or a sorting of workloads for new customers from smallest to largest.

[0088] Step S252: Calculate the workload of the task packages assigned to each account manager in the account manager list within the preset time period to obtain a first statistical result, and calculate the workload of the task packages assigned to the existing customers by each account manager in the current billing period to obtain a second statistical result.

[0089] In this embodiment, considering the differences in work efficiency among account managers, the workload of task packages assigned by each account manager in the past x days is calculated, rather than the workload of task packages awaiting processing. The workload of task packages assigned by account manager k in the past x days is denoted as W.k Where x can be configured arbitrarily, and x>0, the default value of the present invention is x=7. It should be noted that the value of x should not be too small, because a small x may cause a large fluctuation in the workload of the task packages assigned to account managers in adjacent billing periods.

[0090] The first statistical result is obtained by statistically analyzing the workload of assigned task packages for each account manager in the account manager list within a preset time period. This first statistical result is the sorted result of the sum of daily workloads over the past x days, representing historical workload. Further, the current workload is statistically analyzed over a longer time span, which helps to distribute the workload allocated to each account manager as evenly as possible. Specifically, the second statistical result is obtained by statistically analyzing the workload of task packages assigned to existing clients by each account manager during the current billing period. This second statistical result represents the assigned workload for day x+1, representing the current workload. Assume that account manager k corresponds to c existing clients. i The total workload of the task packages assigned to the current account manager in the past x+1 days is:

[0091] Understandably, if only historical workload is considered without considering current workload, a client manager with a historically low workload but a current high workload might be consistently assigned tasks. Conversely, if only current workload is considered without considering historical workload, a client manager with a historically high workload but a current low workload might have a consistently heavy workload. Both situations will lead to an uneven distribution of workload among client managers.

[0092] Step S253: Based on the first statistical result and the second statistical result, determine the current assigned workload corresponding to each account manager, and sort the current assigned workload to obtain a second sorting result.

[0093] Furthermore, the total workload of each account manager's currently assigned task packages is calculated and sorted by size to obtain either a sorting of account managers' currently assigned workload from largest to smallest or a sorting of account managers' currently assigned workload from smallest to largest.

[0094] Step S254: Assign the pending task package corresponding to the newly added customer to the second target account manager according to the first sorting result and the second sorting result.

[0095] In this embodiment, the second task allocation logic allocates the pending task packages for new customers based on the sorting results of the workload of new tasks and the sorting results of the currently allocated workload of each account manager. Specifically, if the target workloads corresponding to the new customers are equal according to the first sorting result, and / or the currently allocated workloads corresponding to each account manager are equal according to the second sorting result, the pending task packages corresponding to the new customers are randomly allocated to each account manager in the account manager list; if the target workloads corresponding to the new customers are not equal according to the first sorting result, and the currently allocated workloads corresponding to each account manager are not equal according to the second sorting result, a new customer is determined from all the currently unfiltered new customers as the current new customer; the pending task packages corresponding to the current new customer are allocated to the account manager with the smallest currently allocated workload in the current second sorting result; the currently allocated workloads of each account manager are re-sorted to obtain a new current second sorting result, and the process jumps back to the step of determining a new customer from all the currently unfiltered new customers as the current new customer.

[0096] As can be seen, the system sorts the target workloads corresponding to the pending task packages for currently unassigned new customers by size. If multiple new customers have the same sum of workload required for post-loan tasks, the sorting results for these new customers are randomized. The system also sorts the workloads of the task packages currently assigned to each account manager. If multiple account managers have the same sum of workload required for their assigned post-loan tasks, the sorting results for these account managers are randomized. Furthermore, after each new customer is assigned to a corresponding account manager, the pending workloads of the account managers are re-sorted. Then, based on the latest client manager workload sorting, the next new customer is assigned to the account manager with the smallest current workload. In this way, the system can automatically assign the task package with the largest workload required for post-loan tasks for the current new customer to the account manager with the smallest assigned workload.

[0097] For example, suppose there are four target account managers 1, 2, 3, and 4 (whose currently assigned workload is ranked as Account Manager 1 < Account Manager 2 < Account Manager 3 < Account Manager 4), and the post-loan tasks corresponding to new customers are a, b, c, and d (whose corresponding workload is ranked as a > b > c > d). During task allocation, the new customer corresponding to 'a' is first assigned to Account Manager 1. Next, Account Managers 1-4 are re-ranked according to their current workload, i.e., their currently assigned workload. If, after this allocation, the re-ranking of the account managers' currently assigned workload is Account Manager 2 < Account Manager 1 < Account Manager 3 < Account Manager 4, then the new customer corresponding to 'b' is assigned to Account Manager 2. This process continues, with each allocation re-ranking of the account managers' currently assigned workload until all post-loan tasks for new customers have been allocated.

[0098] It should be noted that if there are still unassigned post-loan task packages for new customers, steps S251 to S254 should be repeated until all post-loan task packages for new customers have been assigned. Figure 3 The diagram shows the overall multi-task allocation process. After system initialization, batch processing generates the pending customers and their tasks for the current billing period, and calculates the workload required for each customer's pending task package. Then, customers in the current billing period are categorized: existing customer task packages are directly assigned to the corresponding account managers; the workload required for task packages of currently unassigned new customers is sorted. The workload of task packages assigned to account managers within the last x days, and the workload of task packages for existing customers in the current billing period are calculated and sorted based on their totals; the task packages of new customers with the highest workload among the sorted new customer task packages are assigned to the account managers with the lowest currently assigned task packages. The process ends when there are no more pending new customer task packages to be assigned.

[0099] As can be seen, by exhaustively listing task types and quantifying the workload required for each type of task, the relationship between various tasks and workloads is obtained. Based on this relationship, the sum of the workloads required for tasks of each customer pending processing in the current accounting period is calculated, and tasks are directly allocated based on existing customers; for new customers, allocation is further based on the workload assigned to account managers in the past 7 days. This achieves the optimal overall resource utilization. Compared with existing technical solutions, this invention can solve problems such as uneven task allocation, low overall resource utilization, and low efficiency when handling tasks involving related information of the task subject in the post-loan management module of the banking system. It achieves breakthroughs in adapting to the sudden changes in the workload required for customer tasks and optimizing the task allocation for account managers.

[0100] Accordingly, this application also discloses a post-loan management task allocation device, see [link to relevant documentation]. Figure 4As shown, the device includes:

[0101] Resource determination module 11 is used to determine the pending customers and the pending task packages corresponding to the pending customers generated during batch processing in the banking system during the current accounting period.

[0102] The customer classification module 12 is used to classify the customers to be processed.

[0103] Workload statistics module 13 is used to calculate the required workload of each task package to be processed;

[0104] The existing customer processing module 14 is used to directly assign the task package corresponding to the existing customer to the first target customer manager according to the first task allocation logic if the customer to be processed is an existing customer.

[0105] The new customer processing module 15 is used to determine the target workload corresponding to the new customer based on the required workload if the customer to be processed is a new customer, and then allocate the task package to be processed corresponding to the new customer to the second target customer manager based on the target workload and the second task allocation logic.

[0106] For more detailed information on the working process of each of the above modules, please refer to the relevant content disclosed in the foregoing embodiments, which will not be repeated here.

[0107] Therefore, the above-described scheme in this embodiment includes: determining the pending customers and corresponding pending task packages generated during batch processing in the banking system for the current accounting period; classifying the pending customers and calculating the required workload for each pending task package; if the pending customer is an existing customer, directly assigning the pending task package corresponding to the existing customer to a first target customer manager according to the first task allocation logic; if the pending customer is a new customer, determining the target workload corresponding to the new customer based on the required workload, and then assigning the pending task package corresponding to the new customer to a second target customer manager based on the target workload and the second task allocation logic.

[0108] The beneficial technical effects of this application are as follows: By classifying customers to be processed, and assigning them to different account managers based on whether they are existing or new customers according to different task allocation logics, the workload required for each customer's pending task package is quantified, thus obtaining the relationship between the pending task packages and the required workload. Based on this relationship, the workload corresponding to each customer to be processed in the current accounting period can be statistically calculated. Then, existing customers are directly assigned tasks according to the first task allocation logic, while new customers are further assigned tasks based on the target workload of new customers according to the second task allocation logic, thereby achieving the optimal overall resource utilization. This application can take into account the differences in the work efficiency of account managers, achieving breakthroughs in adapting to the sudden changes in the workload required for customer tasks and optimizing the task allocation of account managers, thus achieving a balanced workload among account managers. In this way, the problem of uneven task allocation and low overall resource utilization in post-loan management in banking systems is solved. Furthermore, based on this technical solution, other technical solutions such as employee work performance statistics, customer user profiling, and optimization of workload for various types of tasks can also be designed.

[0109] Furthermore, embodiments of this application also disclose an electronic device, Figure 5 This is a structural diagram of an electronic device 20 according to an exemplary embodiment. The content of the diagram should not be construed as limiting the scope of this application.

[0110] Figure 5 This is a schematic diagram of the structure of an electronic device 20 provided in an embodiment of this application. Specifically, the electronic device 20 may include: at least one processor 21, at least one memory 22, a power supply 23, a communication interface 24, an input / output interface 25, and a communication bus 26. The memory 22 stores a computer program, which is loaded and executed by the processor 21 to implement the relevant steps in the post-loan management task allocation method disclosed in any of the foregoing embodiments. Alternatively, the electronic device 20 in this embodiment may specifically be a computer.

[0111] In this embodiment, the power supply 23 is used to provide operating voltage for each hardware device on the electronic device 20; the communication interface 24 can create a data transmission channel between the electronic device 20 and external devices, and the communication protocol it follows can be any communication protocol applicable to the technical solution of this application, and is not specifically limited here; the input / output interface 25 is used to acquire external input data or output data to the outside world, and its specific interface type can be selected according to specific application needs, and is not specifically limited here.

[0112] In addition, the memory 22, as a carrier for resource storage, can be a read-only memory, random access memory, disk, or optical disk, etc. The resources stored on it can include an operating system 221, computer programs 222, and data 223, etc. The data 223 can include various types of data. The storage method can be temporary storage or permanent storage.

[0113] The operating system 221 is used to manage and control the various hardware devices on the electronic device 20 and the computer program 222, which may be Windows Server, Netware, Unix, Linux, etc. In addition to including a computer program capable of performing the post-loan management task allocation method executed by the electronic device 20 as disclosed in any of the foregoing embodiments, the computer program 222 may further include a computer program capable of performing other specific tasks.

[0114] Furthermore, this application also discloses a computer-readable storage medium, which includes random access memory (RAM), main memory, read-only memory (ROM), electrically programmable ROM, electrically erasable programmable ROM, registers, hard disks, magnetic disks, optical disks, or any other form of storage medium known in the art. The computer program, when executed by a processor, implements the aforementioned post-loan management task allocation method. Specific steps of this method can be found in the corresponding content disclosed in the foregoing embodiments, and will not be repeated here.

[0115] The various embodiments in this specification are described in a progressive manner, with each embodiment focusing on its differences from other embodiments. Similar or identical parts between embodiments can be referred to interchangeably. For the apparatus disclosed in the embodiments, since it corresponds to the method disclosed in the embodiments, the description is relatively simple; relevant parts can be referred to in the method section.

[0116] The steps of the post-loan management task allocation method or algorithm described in conjunction with the embodiments disclosed herein can be implemented directly using hardware, a software module executed by a processor, or a combination of both. The software module can be located in random access memory (RAM), main memory, read-only memory (ROM), electrically programmable ROM, electrically erasable programmable ROM, registers, hard disk, removable disk, CD-ROM, or any other form of storage medium known in the art.

[0117] Finally, it should be noted that in this document, relational terms such as "first" and "second" are used only 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 one..." does not exclude the presence of other identical elements in the process, method, article, or apparatus that includes said element.

[0118] The above provides a detailed description of the post-loan management task allocation method, apparatus, equipment, and medium provided by the present invention. Specific examples have been used to illustrate the principles and implementation methods of the present invention. The description of the above embodiments is only for the purpose of helping to understand the method and core ideas of the present invention. At the same time, for those skilled in the art, there will be changes in the specific implementation methods and application scope based on the ideas of the present invention. Therefore, the content of this specification should not be construed as a limitation of the present invention.

Claims

1. A method for allocating post-loan management tasks, characterized in that, include: Identify the pending customers and corresponding pending task packages generated during batch processing in the banking system for the current accounting period; The customers to be processed are classified, and the required workload of each of the task packages to be processed is calculated. If the customer to be processed is an existing customer, then the task package to be processed corresponding to the existing customer is directly assigned to the first target account manager according to the first task allocation logic. If the customer to be processed is a new customer, then the target workload corresponding to the new customer is determined according to the required workload, and then the task package to be processed corresponding to the new customer is assigned to the second target customer manager according to the second task allocation logic based on the target workload. Before determining the pending customers and corresponding pending task packages generated during batch processing in the banking system for the current accounting period, the method further includes: The bank system is initialized to obtain the list of customer managers in the bank system who can be used to allocate post-loan tasks, the post-loan task types corresponding to several currently defined post-loan tasks in the bank system, and the latest required workload of the post-loan tasks in the bank system. If the customer to be processed is a new customer, then the target workload corresponding to the new customer is determined according to the required workload, and then the task package to be processed corresponding to the new customer is allocated to the second target customer manager according to the second task allocation logic based on the target workload, including: If the customer to be processed is a new customer, then the target workload corresponding to the new customer is determined according to the required workload, and the target workload is sorted to obtain a first sorting result; The workload of the task packages assigned to each account manager in the account manager list within the preset time period is statistically analyzed to obtain a first statistical result, and the workload of the task packages assigned to the existing customers by each account manager in the current billing period is statistically analyzed to obtain a second statistical result. Based on the first statistical result and the second statistical result, the current assigned workload of each account manager is determined, and the current assigned workload is sorted to obtain a second sorting result; If the target workloads corresponding to the new customers are equal according to the first sorting result, or the currently assigned workloads corresponding to the account managers are equal according to the second sorting result, then the pending task packages corresponding to the new customers will be randomly assigned to the account managers in the account manager list. If, based on the first sorting result, the target workloads corresponding to the new customers are not equal, and based on the second sorting result, the currently assigned workloads corresponding to the account managers are not equal, then a new customer is selected from all the currently unfiltered new customers as the current new customer; the pending task package corresponding to the current new customer is assigned to the account manager with the smallest currently assigned workload in the current second sorting result; the currently assigned workloads of each account manager are re-sorted to obtain a new current second sorting result, and the process jumps back to the step of selecting a new customer from all the currently unfiltered new customers as the current new customer.

2. The method for allocating post-loan management tasks according to claim 1, characterized in that, Obtaining the latest required workload for the post-loan tasks in the banking system includes: Determine the initial workload required for each of the post-loan tasks; Obtain the start and end times of the customer manager's handling of the post-loan tasks; The average time taken by the account manager to process the post-loan tasks during the current accounting period is determined based on the start processing time and the end processing time, so as to update the initial required workload based on the average time taken to obtain the latest required workload.

3. The method for allocating post-loan management tasks according to claim 1, characterized in that, The statistical analysis of the required workload for each of the task packages to be processed includes: Determine the target post-loan tasks contained in each of the task packages to be processed, and determine the target post-loan task type corresponding to the target post-loan task; Based on the correspondence between the target post-loan tasks and the target post-loan task types, the required workload for each of the task packages to be processed is determined using the latest required workload.

4. The method for allocating post-loan management tasks according to claim 1, characterized in that, If the customer to be processed is an existing customer, then according to the first task allocation logic, the task package corresponding to the existing customer is directly allocated to the first target account manager, including: If the customer to be processed is an existing customer, then the first target customer manager who has processed the existing customer before the current billing period is determined from the list of customer managers; Assign the pending task packages corresponding to the existing customers to the first target customer manager.

5. A post-loan management task allocation device, characterized in that, include: The resource determination module is used to determine the pending customers and the pending task packages corresponding to the pending customers generated during batch processing in the banking system during the current accounting period. The customer classification module is used to classify the customers to be processed. The workload statistics module is used to calculate the required workload of each task package to be processed; The existing customer processing module is used to directly assign the pending task package corresponding to the existing customer to the first target customer manager according to the first task allocation logic if the customer to be processed is an existing customer. A new customer processing module is used to determine the target workload corresponding to the new customer based on the required workloads if the customer to be processed is a new customer, and then allocate the task package to be processed corresponding to the new customer to the second target customer manager based on the target workload and the second task allocation logic. The post-loan management task allocation device is also used for: The bank system is initialized to obtain the list of customer managers in the bank system who can be used to allocate post-loan tasks, the post-loan task types corresponding to several currently defined post-loan tasks in the bank system, and the latest required workload of the post-loan tasks in the bank system. The newly added customer processing module is specifically used for: If the customer to be processed is a new customer, then the target workload corresponding to the new customer is determined according to the required workload, and the target workload is sorted to obtain a first sorting result; The workload of the task packages assigned to each account manager in the account manager list within the preset time period is statistically analyzed to obtain a first statistical result, and the workload of the task packages assigned to the existing customers by each account manager in the current billing period is statistically analyzed to obtain a second statistical result. Based on the first statistical result and the second statistical result, the current assigned workload of each account manager is determined, and the current assigned workload is sorted to obtain a second sorting result; If the target workloads corresponding to the new customers are equal according to the first sorting result, or the currently assigned workloads corresponding to the account managers are equal according to the second sorting result, then the pending task packages corresponding to the new customers will be randomly assigned to the account managers in the account manager list. If the target workloads corresponding to the new customers are not equal according to the first sorting result, and the currently assigned workloads corresponding to the account managers are not equal according to the second sorting result, then a new customer is determined from all the new customers that have not been filtered as the current new customer. Assign the pending task package corresponding to the newly added customer to the customer manager with the smallest currently assigned workload in the current second sorting result; The currently assigned workload of each account manager is reordered to obtain a new current second sorting result, and then the process jumps back to the step of identifying a new customer from all currently unfiltered new customers as the current new customer.

6. An electronic device, characterized in that, The electronic device includes a processor and a memory; wherein the memory is used to store a computer program, which is loaded and executed by the processor to implement the post-loan management task allocation method as described in any one of claims 1 to 4.

7. A computer-readable storage medium, characterized in that, Used to store computer programs; wherein the computer programs, when executed by a processor, implement the post-loan management task allocation method as described in any one of claims 1 to 4.

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