Credit management system, method, computer device and computer readable storage medium

Abstract

The present application relates to the field of data processing technology, and in particular to a credit management system, method, computer device and computer-readable storage medium. The system includes: an acquisition module, which is used to acquire an enterprise credit request and extract the enterprise number and application amount information from it; a query module, which is used to generate a query request according to the enterprise number and send it to the database, so that after receiving the query request, the current enterprise credit limit table, the current legal person credit limit table and the current group credit limit table of the enterprise are returned to the acquisition module; a calculation module, which is used to determine the current credit limit information of the enterprise based on the returned application amount information, the current enterprise credit limit table, the current legal person credit limit table and the current group credit limit table; an update module, which is used to generate an update instruction based on the current credit limit information and transmit it to the database to instruct the database to update the current enterprise credit limit table, the current legal person credit limit table and the current group credit limit table based on the update instruction. The present application can simultaneously meet the enterprise credit limit requirements of each dimension.

Description

Technical Field

[0001] The present application relates to the field of data processing technology, and in particular to a credit management system, method, computer device and computer-readable storage medium. Background Art

[0002] In the process of bank credit granting, it is necessary to conduct credit line control on enterprises in response to regulatory requirements. As the dimensions of existing credit line control become more and more complex, for example, the total credit line of all enterprises under the same legal person cannot exceed a certain limit, and the total credit line of all enterprises under the same group cannot exceed a certain limit, while the existing credit line management system considers a single dimension, it is impossible to meet the limit requirements of each of the above dimensions at the same time. Summary of the invention

[0003] In view of the above problems, the present application proposes a credit management system, method, computer device and computer-readable storage medium.

[0004] The present application embodiment provides a credit management system, including:

[0005] An acquisition module is used to acquire a credit request from an enterprise and extract the enterprise number and application amount information from the credit request;

[0006] A query module, configured to generate a query request according to the enterprise number, and send the query request to a database, so that after receiving the query request, the database returns the current enterprise credit limit table of the enterprise, the current legal person credit limit table associated with the enterprise, and the current group credit limit table of the group to which the enterprise belongs to the acquisition module;

[0007] A calculation module, configured to determine the current credit limit information of the enterprise based on the returned application limit information, the current enterprise credit limit table, the current legal person credit limit table and the current group credit limit table;

[0008] An update module is used to generate an update instruction based on the current credit limit information and transmit the update instruction to the database to instruct the database to update the current enterprise credit limit table, the current legal person credit limit table and the current group credit limit table based on the update instruction.

[0009] Further, in the above-mentioned credit management system, the enterprise credit limit table includes the enterprise data version number; the legal person credit limit table includes the legal person data version number; the group credit limit table includes the group data version number; the update instruction includes the current credit limit information, the enterprise data version number, the legal person data version number and the group data version number;

[0010] The updating of the current enterprise quota table, the current legal person quota table and the current group quota table based on the update instruction includes:

[0011] The current group quota table, the current legal person quota table and the current enterprise quota table are updated in sequence, and the data version number in the successfully updated current quota table is increased by one.

[0012] Furthermore, in the above-mentioned credit management system, in the process of updating the credit limit table, it also includes:

[0013] The updating module is further used to extract the current data version number in the current credit limit table, and generate an update failure record table when no credit limit table corresponding to the current data version number is found.

[0014] Furthermore, in the above-mentioned credit management system, the update failure record table includes the failed application amount information of the failed update and the corresponding failed enterprise number, and the credit management system also includes:

[0015] An abnormal recovery module, used for, if the number of failed application amount information is equal to one, calculating the current credit amount information again according to the failed application amount information and the corresponding failed enterprise number, until all credit limit tables associated with the failed enterprise number are successfully updated, and when the update is successful, deleting the corresponding update failure record from the record table;

[0016] The abnormal recovery module is also used to calculate the current credit limit information in sequence according to all the failed application amount information and the corresponding failed enterprise numbers in the order of the reception time of the application amount information if the number of failed application amount information updates is greater than one, until all the credit limit tables associated with all the failed enterprise numbers are successfully updated, and when the update is successful, the corresponding update failure record is deleted from the record table.

[0017] Furthermore, the above-mentioned credit management system further includes:

[0018] A credit limit release module, configured to calculate new current credit limit information according to the current enterprise credit limit table of the enterprise, the most recent historical credit limit application information of the enterprise, the current legal person credit limit table and the current group credit limit table when a credit limit adjustment is detected in the legal person credit limit table associated with the enterprise or the group credit limit table of the group to which the enterprise belongs;

[0019] The credit limit release module is also used to update the current enterprise credit limit table, legal person credit limit table and group credit limit table according to the new current credit limit information.

[0020] Further, in the above-mentioned credit management system, the enterprise credit limit table includes the total amount used by the enterprise and the total amount of credit granted by the enterprise; the legal person credit limit table includes the total amount used by the legal person and the total amount of credit granted by the legal person; the group credit limit table includes the total amount used by the group and the total amount of credit granted by the group; the current credit limit information of the enterprise is determined based on the application amount information, the current enterprise credit limit table, the current legal person credit limit table and the current group credit limit table, including:

[0021] According to the total amount of credit granted to the enterprise and the total amount used by the enterprise, information on the remaining application amount of the enterprise is obtained;

[0022] Compare the remaining application amount information of the enterprise with the application amount information to determine the application amount information of the enterprise;

[0023] Calculate first credit limit information according to the enterprise's available credit limit information, the legal person's total credit limit and the legal person's total credit limit used;

[0024] Calculate the second credit limit information according to the enterprise's available credit limit information, the group's total credit limit and the group's total credit limit used;

[0025] The current credit limit information of the enterprise is determined according to the first credit limit information and the second credit limit information.

[0026] Furthermore, in the above-mentioned credit management system, the first credit limit information is calculated according to the enterprise's available credit limit information, the legal person's total credit limit and the legal person's total credit limit used, including:

[0027] According to the total amount of credit granted to the legal person and the total amount used by the legal person, information on the remaining application amount of the legal person is obtained;

[0028] Compare the remaining application amount information of the legal person with the available application amount information of the enterprise to determine the first credit limit information;

[0029] The calculating of the second credit limit information according to the enterprise's applicable credit limit information, the group's total credit limit and the group's total used credit limit includes:

[0030] According to the total credit amount of the group and the total amount used by the group, information on the remaining application amount of the group is obtained;

[0031] Compare the remaining application amount information of the group with the available application amount information of the enterprise to determine the second credit limit information;

[0032] The determining the current credit limit information according to the first credit limit information and the second credit limit information includes:

[0033] The smaller one of the first credit limit information and the second credit limit information is used as the current credit limit information.

[0034] Another embodiment of the present application further provides a credit management method, including:

[0035] Obtaining a corporate credit request, and extracting corporate number and application amount information from the corporate credit request;

[0036] Generate a query request according to the enterprise number, and query the database according to the query request to obtain the current enterprise credit limit table of the enterprise, the current legal person credit limit table associated with the enterprise, and the current group credit limit table of the group to which the enterprise belongs;

[0037] Determine the current credit limit information of the enterprise based on the application amount information, the current enterprise credit limit table, the current legal person credit limit table and the current group credit limit table;

[0038] An update instruction is generated based on the current credit limit information, and the update instruction is transmitted to the database to instruct the database to update the current enterprise credit limit table, the current legal person credit limit table and the current group credit limit table based on the update instruction.

[0039] Another embodiment of the present application further proposes a computer device, including a memory and a processor, wherein the memory stores a computer program, and the processor executes the steps of the above-mentioned credit management system by calling the computer program stored in the memory.

[0040] Another embodiment of the present application further proposes a computer-readable storage medium, wherein the computer-readable storage medium stores a computer program, and the computer program is suitable for being loaded by a processor to execute the steps of the above-mentioned credit management system.

[0041] The embodiments of the present application have the following beneficial effects:

[0042] The embodiment of the present application proposes a credit management system, including: an acquisition module, used to obtain an enterprise credit request and extract the enterprise number and application amount information from the enterprise credit request; a query module, used to generate a query request according to the enterprise number, and send the query request to the database, so that after receiving the query request, the database returns the current enterprise credit limit table of the enterprise, the current legal person credit limit table associated with the enterprise, and the current group credit limit table of the group to which the enterprise belongs to the acquisition module; a calculation module, used to determine the current credit limit information of the enterprise based on the returned application amount information, the current enterprise credit limit table, the current legal person credit limit table, and the current group credit limit table; an update module, used to generate an update instruction based on the current credit limit information, and transmit the update instruction to the database to instruct the database to update the current enterprise credit limit table, the current legal person credit limit table, and the current group credit limit table based on the update instruction. This application determines the required current credit limit information based on the credit limit table of multiple dimensions (such as legal person, enterprise and group), and can simultaneously meet the enterprise credit limit requirements of each dimension. BRIEF DESCRIPTION OF THE DRAWINGS

[0043] In order to more clearly illustrate the technical solution of the present application, the following is a brief introduction to the drawings required for use in the embodiments. It should be understood that the following drawings only illustrate certain embodiments of the present application and should not be regarded as limiting the scope of protection of the present application. In each of the drawings, similar components are numbered similarly.

[0044] Figure 1 A first structural schematic diagram of a credit management system according to some embodiments of the present application is shown;

[0045] Figure 2 A first flow chart showing a method for executing a credit management system in some embodiments of the present application is shown;

[0046] Figure 3 A second flow chart showing a method for executing a credit management system according to some embodiments of the present application is shown;

[0047] Figure 4 A third flow chart showing a method for executing a credit management system in some embodiments of the present application is shown;

[0048] Figure 5 A second structural schematic diagram showing a credit management system of some embodiments of the present application;

[0049] Figure 6 A third structural schematic diagram of a credit management system of some embodiments of the present application is shown. DETAILED DESCRIPTION

[0050] The technical solutions in the embodiments of the present application will be clearly and completely described below in conjunction with the drawings in the embodiments of the present application. Obviously, the described embodiments are only part of the embodiments of the present application, rather than all the embodiments.

[0051] The components of the embodiments of the present application generally described and shown in the drawings herein may be arranged and designed in various configurations. Therefore, the following detailed description of the embodiments of the present application provided in the drawings is not intended to limit the scope of the application claimed for protection, but merely represents the selected embodiments of the present application. Based on the embodiments of the present application, all other embodiments obtained by those skilled in the art without making creative work belong to the scope of protection of the present application.

[0052] Hereinafter, the terms "including", "having" and their cognates, which may be used in various embodiments of the present application, are intended only to indicate specific features, numbers, steps, operations, elements, components, or combinations of the foregoing items, and should not be understood as first excluding the existence of one or more other features, numbers, steps, operations, elements, components, or combinations of the foregoing items or adding the possibility of one or more features, numbers, steps, operations, elements, components, or combinations of the foregoing items.

[0053] Furthermore, the terms “first”, “second”, “third”, etc. are merely used for distinguishing descriptions and are not to be understood as indicating or implying relative importance.

[0054] Unless otherwise defined, all terms (including technical terms and scientific terms) used herein have the same meanings as those generally understood by those skilled in the art to which the various embodiments of the present application belong. The terms (such as those defined in generally used dictionaries) will be interpreted as having the same meanings as the contextual meanings in the relevant technical field and will not be interpreted as having idealized meanings or overly formal meanings unless clearly defined in the various embodiments of the present application.

[0055] In conjunction with the accompanying drawings, some embodiments of the present application are described in detail below. In the absence of conflict, the following embodiments and features in the embodiments can be combined with each other.

[0056] Generally, the relationships among existing enterprises, legal persons and groups are relatively complex. Under such complex relationships, the existing single-dimensional management system cannot meet the conditions under each dimension.

[0057] Therefore, in order to solve the above problems, the present application proposes a credit management system 100.

[0058] Please refer to Figure 1, is a schematic diagram of a structure of a credit management system 100 proposed in an embodiment of the present application. Exemplarily, the credit management system 100 is applied to a communication device, for example, the communication device may be a computer device, etc.

[0059] In some embodiments, Figure 1 to Figure 2 As shown, the credit management system 100 includes: an acquisition module 110 , a query module 120 , a calculation module 130 and an update module 140 .

[0060] Step S110: Obtain the enterprise credit request, and extract the enterprise number and application amount information from the enterprise credit request.

[0061] Step S120: According to the enterprise number, query and obtain the current enterprise quota table of the enterprise, the current legal person quota table associated with the enterprise, and the current group quota table of the group to which the enterprise belongs.

[0062] In some embodiments, when an enterprise needs to apply for a loan, it sends an enterprise credit request to the credit management system 100. After the acquisition module 110 acquires the enterprise credit request, it extracts the enterprise number and the application amount information from the enterprise credit request. The enterprise number and the application amount information are then transmitted to the query module 120, and the query module 120 generates a query request based on the enterprise number and sends the query request to the database. When the database receives the query request, it extracts the enterprise number from the query request, and returns the current enterprise credit table of the enterprise, the current legal person credit table associated with the enterprise, and the current group credit table of the group to which the enterprise belongs to the acquisition module 110 according to the enterprise number and the association table. Among them, the legal person credit table includes the legal person number, the group credit table includes the group number, and the association table stores the association between the legal person number, the group number, and the enterprise number.

[0063] Step S130: Determine the current credit limit information of the enterprise based on the application limit information, the current enterprise credit limit table, the current legal person credit limit table and the current group credit limit table.

[0064] Step S140: Generate an update instruction based on the current credit limit information, and transmit the update instruction to the database to instruct the database to update the current enterprise credit limit table, the current legal person credit limit table and the current group credit limit table based on the update instruction.

[0065] The calculation module 130 then determines the current credit limit information of the enterprise based on the returned application amount information, the current enterprise credit limit table, the current legal person credit limit table and the current group credit limit table. The update module 140 generates an update instruction based on the current credit limit information and transmits the update instruction to the database. The database updates the current enterprise credit limit table, the current legal person credit limit table and the current group credit limit table based on the update instruction.

[0066] In some embodiments of the credit management system 100, Figure 3 As shown, the enterprise credit limit table includes the total amount used by the enterprise and the total amount of credit granted to the enterprise; the legal person credit limit table includes the total amount used by the legal person and the total amount of credit granted to the legal person; the group credit limit table includes the total amount used by the group and the total amount of credit granted to the group. Based on the application amount information, the current enterprise credit limit table, the current legal person credit limit table and the current group credit limit table, determine the current credit limit information of the enterprise, including:

[0067] Step S210: Obtain the remaining application amount information of the enterprise according to the total credit amount of the enterprise and the total amount used by the enterprise.

[0068] Among them, the difference between the total amount of credit granted to the enterprise and the total amount used by the enterprise can be used as information on the remaining application amount of the enterprise.

[0069] Step S220: Compare the enterprise's remaining application amount information with the application amount information to determine the enterprise's available application amount information.

[0070] In actual application, there are three situations: the remaining application amount information of the enterprise is greater than the application amount information, the remaining application amount information of the enterprise is less than the application amount information, or the remaining application amount information of the enterprise is equal to the application amount information. In any of the above situations, the smaller value between the remaining application amount information of the enterprise and the application amount information is used as the enterprise's available application amount information.

[0071] Step S230: Calculate the first credit limit information according to the enterprise's available credit limit information, the legal person's total credit limit and the legal person's total credit limit used.

[0072] Step S240: Calculate the second credit limit information based on the enterprise's available credit limit information, the group's total credit limit, and the group's total credit limit used.

[0073] Step S250: Determine the current credit information of the enterprise according to the first credit information and the second credit information.

[0074] Among them, the first credit limit information is the credit limit calculated under the legal person dimension, and the second credit limit information is the credit limit calculated under the group dimension. In order to simultaneously meet the credit limits obtained under multiple dimensions, the smaller one of the first credit limit information and the second credit limit information needs to be replaced by the current credit limit information.

[0075] In some embodiments of the credit management system 100, Figure 4 As shown, the first credit limit information is calculated based on the enterprise's available credit limit information, the legal person's total credit limit and the legal person's total credit limit used, including:

[0076] Step S231: Obtain the remaining application amount information of the legal person according to the total amount of credit granted to the legal person and the total amount used by the legal person.

[0077] Among them, the difference between the total amount of credit granted to the legal person and the total amount used by the legal person is used as the legal person's remaining application amount information.

[0078] Step S232: Compare the legal person's remaining application amount information and the enterprise's available application amount information to determine the first credit limit information.

[0079] Among them, the smaller one between the legal person's remaining application amount information and the enterprise's applicable amount information is used as the first credit amount information.

[0080] The second credit limit information is calculated based on the enterprise's available credit limit information, the group's total credit limit and the group's total credit limit used, including:

[0081] Step S241: Obtain the group's remaining application amount information based on the group's total credit amount and the group's total used amount.

[0082] Among them, the difference between the total credit amount of the group and the total amount used by the group is used as the group's remaining application amount information.

[0083] Step S242: Compare the group's remaining application amount information and the enterprise's available application amount information to determine the second credit limit information.

[0084] Among them, the smaller one between the group's remaining application amount information and the enterprise's applicable amount information is used as the second credit amount information.

[0085] Determining current credit limit information according to the first credit limit information and the second credit limit information includes:

[0086] Step S251: Use the smaller one of the first credit limit information and the second credit limit information as the current credit limit information.

[0087] In some embodiments of the credit management system 100, the enterprise credit limit table includes the enterprise data version number; the legal person credit limit table includes the legal person data version number; the group credit limit table includes the group data version number; the update instruction includes the current credit limit information, the enterprise data version number, the legal person data version number and the group data version number. Based on the update instruction, the current enterprise credit limit table, the current legal person credit limit table and the current group credit limit table are updated, including:

[0088] The current group quota table, the current legal person quota table and the current enterprise quota table are updated in sequence, and the data version number in the successfully updated current quota table is increased by one.

[0089] During the update process, there are multiple companies that are granted credit at the same time, and there are also multiple related companies that are granted credit at the same time. Among them, companies belonging to the same group are called related companies, and different companies of the same legal person are called related companies. Therefore, this embodiment adds a data version number to each group credit table to solve the problem of conflict in simultaneous credit.

[0090] It should be noted that during the update process, the different credit limit tables associated with the current enterprise need to be updated in sequence. For example, first update the current group credit limit table to which the current enterprise belongs, then update the current legal person credit limit table, and finally update the current enterprise credit limit table. Alternatively, first update the current legal person credit limit table, then update the current group credit limit table to which the current enterprise belongs, and finally update the current enterprise credit limit table. And so on, there is no restriction on the update order here. Preferably, in order to improve efficiency, the current enterprise credit limit table is updated last. This is because there is no conflict in the enterprise credit limit table, while there is a conflict between the current group credit limit table and the current legal person credit limit table. This is because there may be an association relationship between the enterprises that are granted credit at the same time.

[0091] In some embodiments of the credit management system 100, the process of updating the credit limit table further includes:

[0092] The updating module 140 extracts the current data version number in the current credit table, and generates an update failure record table when no credit table corresponding to the current data version number is found.

[0093] Exemplarily, if enterprise A and enterprise B are granted credit at the same time, and the legal persons of enterprise A and enterprise B are the same, then the corresponding legal person credit tables are the same. The enterprise data version number of enterprise A is 1001, and the legal person data version number associated with enterprise A is 1001; the enterprise data version number of enterprise B is 1001, and the legal person data version number associated with enterprise B is 1001. If the calculation module 130 first calculates the current credit information a of enterprise A, and then generates an update instruction based on the current credit information a, the enterprise number of enterprise A and the enterprise data version number 1001 of enterprise A, and then transmits it to the update module 140, when the update module 140 receives the update instruction, it extracts the current credit information a, the enterprise number of enterprise A and the enterprise data version number 1001 of enterprise A, and then updates the group credit table, legal person credit table and enterprise credit table associated with enterprise A. After the update is successful, the enterprise data version number of enterprise A is 1002, and the legal person data version number is 1002. When the update module 140 updates all credit limit tables associated with enterprise A, the calculation module 130 simultaneously calculates the current credit limit information b of enterprise B, and then generates an update instruction based on the current credit limit information b, enterprise B's enterprise number and enterprise B's enterprise data version number 1001, and then transmits it to the update module 140. When the update module 140 receives the update instruction, it extracts the current credit limit information b, enterprise B's enterprise number and enterprise B's enterprise data version number 1001 therefrom, and when searching for enterprise B's legal person data version number 1001 from the database for update, it is found that the legal person data version number 1001 is not found. This is because when enterprise A was updated before, the associated legal person data version number has been changed to 1002. At this time, enterprise B's credit fails, and an update failure record table is generated.

[0094] In some embodiments of the credit management system 100, Figure 5 As shown, the update failure record table includes the failed application amount information and the corresponding failed enterprise number of the failed update, and the credit management system 100 also includes:

[0095] If the number of failed application amount information updates is equal to one, the exception recovery module 150 will again calculate the current credit amount information based on the failed application amount information and the corresponding failed enterprise number until all credit limit tables associated with the failed enterprise number are successfully updated, and when the update is successful, the corresponding update failure record will be deleted from the record table.

[0096] Among them, the abnormal recovery module 150 calls the query module 120, the calculation module 130 and the update module 140 in sequence according to the failed application amount information and the corresponding failed enterprise number to recalculate and update until success, and deletes the update failure record from the record table.

[0097] If the number of application amount information that failed to be updated is greater than one, the exception recovery module 150 will calculate the current credit amount information again according to the order of the time of receiving the application amount information, based on all the failed application amount information and the corresponding failed enterprise numbers, until all the credit limit tables associated with all the failed enterprise numbers are successfully updated, and when the update is successful, the corresponding update failure record will be deleted from the record table.

[0098] Among them, the number of failed application amount information is greater than 1, which means that there are multiple failed applications at this time. Therefore, they need to be updated again in sequence. The update process refers to the above update process.

[0099] In some embodiments of the credit management system 100, Figure 6 As shown, the credit management system 100 also includes:

[0100] When a credit limit adjustment is detected in the legal person credit limit table associated with the enterprise or the group credit limit table of the group to which it belongs, the credit limit release module 160 calculates new current credit limit information based on the enterprise's current enterprise credit limit table, the enterprise's most recent historical application credit limit information, and the current legal person credit limit table and the current group credit limit table.

[0101] The credit limit release module 160 then updates the current enterprise credit limit table, legal person credit limit table and group credit limit table according to the new current credit limit information.

[0102] Since the credit limit in each credit limit table will change due to various factors, if Enterprise C and Enterprise D are related (same legal person or same group), it is possible that because Enterprise D only granted a part of its credit limit when it was previously granted credit, when the credit limit table corresponding to the related enterprise C changes, the credit limit of Enterprise D may change, resulting in the ability to continue to grant another part of the credit limit that was not previously granted to Enterprise D. Among them, credit limit release means that when the available credit limit of an enterprise is reduced, the available credit limit of other enterprises with the same legal person or group as the enterprise may need to be increased.

[0103] For example, two enterprises are associated with the same legal person, namely Enterprise C and Enterprise D. Enterprise C first applies for 8 million yuan, and the current remaining application amount of Enterprise C is also 8 million yuan, so Enterprise C's application is successful. Later, Enterprise D needs to apply for 8 million yuan, but because the legal person's available credit limit is only 10 million yuan, the available credit limit of Enterprise D is only 2 million yuan. Later, due to some reasons, such as overdue conditions, the remaining application amount of Enterprise C is 3 million yuan. At this time, the total amount used by the legal person is 3 million yuan + 2 million yuan = 5 million yuan. Since Enterprise D previously applied for 8 million yuan, the total amount used by the legal person is 5 million yuan, and the remaining total amount of the legal person can be allocated to Enterprise D, it is necessary to recalculate the new current credit limit information of Enterprise D.

[0104] In addition, the quota release module 160 may execute a quota release task once per period, wherein the period may be daily, weekly, monthly, etc., which is not limited here.

[0105] This application can simultaneously meet the enterprise credit limit requirements of each dimension by determining the required current credit limit information based on the credit limit table of multiple dimensions (such as legal person, enterprise and group). It can also support multiple enterprises of the same dimension to apply for credit at the same time, resolve concurrent conflicts through version numbers, and improve the accuracy of credit and the stability of the system. In addition, it also has a credit limit elastic change mechanism to meet the credit limit requirements of enterprises as much as possible under the premise of limit control.

[0106] Another embodiment of the present application further provides a credit management method, the method comprising:

[0107] Obtain the enterprise credit request and extract the enterprise number and application amount information from the enterprise credit request.

[0108] A query request is generated according to the enterprise number, and a database is queried according to the query request to obtain the current enterprise quota table of the enterprise, the current legal person quota table associated with the enterprise, and the current group quota table of the group to which the enterprise belongs.

[0109] Based on the application amount information, the current enterprise credit limit table, the current legal person credit limit table and the current group credit limit table, the enterprise's current credit limit information is determined.

[0110] An update instruction is generated based on the current credit limit information, and the update instruction is transmitted to the database to instruct the database to update the current enterprise credit limit table, the current legal person credit limit table and the current group credit limit table based on the update instruction.

[0111] Another embodiment of the present application further proposes a computer device, including a memory and a processor, wherein a computer program is stored in the memory, and the processor executes the steps of the above-mentioned credit management system 100 by calling the computer program stored in the memory.

[0112] Another embodiment of the present application further proposes a computer-readable storage medium, which stores a computer program. The computer program is suitable for being loaded by a processor to execute the steps of the credit management system 100 described above.

[0113] It can be understood that the method steps of this embodiment correspond to the method in the credit management system 100 in the above embodiment, wherein the optional options of the method in the above credit management system 100 are also applicable to this embodiment and will not be repeated here.

[0114] In several embodiments provided in the present application, it should be understood that the disclosed devices and methods can also be implemented in other ways. The device embodiments described above are merely schematic. For example, the flowcharts and structure diagrams in the accompanying drawings show the possible architecture, functions and operations of the devices, methods and computer program products according to multiple embodiments of the present application. In this regard, each box in the flowchart or block diagram can represent a module, a program segment or a part of a code, and the module, a program segment or a part of a code contains one or more executable instructions for implementing the specified logical function. It should also be noted that in an alternative implementation, the functions marked in the box can also occur in a different order from the order marked in the accompanying drawings. For example, two consecutive boxes can actually be executed substantially in parallel, and they can sometimes be executed in the opposite order, depending on the functions involved. It should also be noted that each box in the structure diagram and / or the flow diagram, and the combination of boxes in the structure diagram and / or the flow diagram, can be implemented with a dedicated hardware-based system that performs a specified function or action, or can be implemented with a combination of dedicated hardware and computer instructions.

[0115] In addition, the functional modules or modules in the various embodiments of the present application can be integrated together to form an independent part, or each module can exist separately, or two or more modules can be integrated to form an independent part.

[0116] If the function is implemented in the form of a software function module and sold or used as an independent product, it can be stored in a computer-readable storage medium. Based on this understanding, the technical solution of the present application can be essentially or partly embodied in the form of a software product that contributes to the prior art. The computer software product is stored in a storage medium, including several instructions to enable a computer device (which can be a smart phone, a personal computer, a server, or a network device, etc.) to execute all or part of the steps of the method described in each embodiment of the present application. The aforementioned storage medium includes: U disk, mobile hard disk, read-only memory (ROM, Read-Only Memory), random access memory (RAM, Random Access Memory), disk or optical disk, etc., which can store program code.

[0117] The above description is only a specific implementation manner of the present application, but the protection scope of the present application is not limited thereto. Any technician familiar with the technical field can easily think of changes or substitutions within the technical scope disclosed in the present application, which should be included in the protection scope of the present application.

Claims

1. A credit management system, characterized in that: include: An acquisition module is used to acquire a credit request from an enterprise and extract the enterprise number and application amount information from the credit request; A query module, configured to generate a query request according to the enterprise number, and send the query request to a database, so that after receiving the query request, the database returns the current enterprise credit limit table of the enterprise, the current legal person credit limit table associated with the enterprise, and the current group credit limit table of the group to which the enterprise belongs to the acquisition module; A calculation module, configured to determine the current credit limit information of the enterprise based on the returned application limit information, the current enterprise credit limit table, the current legal person credit limit table and the current group credit limit table; An updating module, configured to generate an updating instruction based on the current credit limit information, and transmit the updating instruction to the database to instruct the database to update the current enterprise credit limit table, the current legal person credit limit table, and the current group credit limit table based on the updating instruction; The enterprise credit limit table includes the enterprise data version number; the legal person credit limit table includes the legal person data version number; the group credit limit table includes the group data version number; the update instruction includes the current credit limit information, the enterprise data version number, the legal person data version number and the group data version number; The updating of the current enterprise quota table, the current legal person quota table and the current group quota table based on the update instruction includes: The current group credit table, the current legal person credit table and the current enterprise credit table are updated in sequence, and the data version number in the successfully updated current credit table is increased by one; The process of updating the quota table also includes: The update module is further used to extract the current data version number in the current credit table, and generate an update failure record table when no credit table corresponding to the current data version number is found; A credit limit release module, configured to calculate new current credit limit information according to the current enterprise credit limit table of the enterprise, the most recent historical credit limit application information of the enterprise, the current legal person credit limit table and the current group credit limit table when a credit limit adjustment is detected in the legal person credit limit table associated with the enterprise or the group credit limit table of the group to which the enterprise belongs; The credit limit release module is further used to update the current enterprise credit limit table, legal person credit limit table and group credit limit table according to the new current credit limit information; The enterprise credit limit table includes the total amount used by the enterprise and the total amount of credit granted to the enterprise; the legal person credit limit table includes the total amount used by the legal person and the total amount of credit granted to the legal person; the group credit limit table includes the total amount used by the group and the total amount of credit granted to the group; the current credit limit information of the enterprise is determined based on the application amount information, the current enterprise credit limit table, the current legal person credit limit table and the current group credit limit table, including: According to the total amount of credit granted to the enterprise and the total amount used by the enterprise, information on the remaining application amount of the enterprise is obtained; Compare the remaining application amount information of the enterprise with the application amount information to determine the application amount information of the enterprise; Calculate first credit limit information according to the enterprise's available credit limit information, the legal person's total credit limit and the legal person's total credit limit used; Calculate the second credit limit information according to the enterprise's available credit limit information, the group's total credit limit and the group's total credit limit used; Determining the current credit limit information of the enterprise according to the first credit limit information and the second credit limit information; The first credit limit information is calculated according to the enterprise's available credit limit information, the legal person's total credit limit and the legal person's total credit limit used, including: According to the total amount of credit granted to the legal person and the total amount used by the legal person, information on the remaining application amount of the legal person is obtained; Compare the remaining application amount information of the legal person with the available application amount information of the enterprise to determine the first credit limit information; The calculating of the second credit limit information according to the enterprise's available credit limit information, the group's total credit limit and the group's total used credit limit includes: According to the total credit amount of the group and the total amount used by the group, information on the remaining application amount of the group is obtained; Compare the remaining application amount information of the group with the available application amount information of the enterprise to determine the second credit limit information; The determining the current credit limit information according to the first credit limit information and the second credit limit information includes: The smaller one of the first credit limit information and the second credit limit information is used as the current credit limit information.

2. The credit management system according to claim 1, characterized in that: The update failure record table includes the failed application amount information and the corresponding failed enterprise number of the failed update, and the credit management system also includes: An abnormal recovery module, used for, if the number of failed application amount information is equal to one, calculating the current credit amount information again according to the failed application amount information and the corresponding failed enterprise number, until all credit limit tables associated with the failed enterprise number are successfully updated, and when the update is successful, deleting the corresponding update failure record from the record table; The abnormal recovery module is also used to calculate the current credit limit information in sequence according to all the failed application amount information and the corresponding failed enterprise numbers in the order of the reception time of the application amount information if the number of failed application amount information updates is greater than one, until all the credit limit tables associated with all the failed enterprise numbers are successfully updated, and when the update is successful, the corresponding update failure record is deleted from the record table.

3. A credit management method, characterized in that: include: Obtaining a corporate credit request, and extracting corporate number and application amount information from the corporate credit request; Generate a query request according to the enterprise number, and query the database according to the query request to obtain the current enterprise credit limit table of the enterprise, the current legal person credit limit table associated with the enterprise, and the current group credit limit table of the group to which the enterprise belongs; Determine the current credit limit information of the enterprise based on the application amount information, the current enterprise credit limit table, the current legal person credit limit table and the current group credit limit table; Generate an update instruction based on the current credit limit information, and transmit the update instruction to the database to instruct the database to update the current enterprise credit limit table, the current legal person credit limit table and the current group credit limit table based on the update instruction; The enterprise credit limit table includes the enterprise data version number; the legal person credit limit table includes the legal person data version number; the group credit limit table includes the group data version number; the update instruction includes the current credit limit information, the enterprise data version number, the legal person data version number and the group data version number; The updating of the current enterprise quota table, the current legal person quota table and the current group quota table based on the update instruction includes: The current group credit table, the current legal person credit table and the current enterprise credit table are updated in sequence, and the data version number in the successfully updated current credit table is increased by one; The process of updating the quota table also includes: Extracting the current data version number in the current credit table, and generating an update failure record table when no credit table corresponding to the current data version number is found; A credit limit release module, configured to calculate new current credit limit information according to the current enterprise credit limit table of the enterprise, the most recent historical credit limit application information of the enterprise, the current legal person credit limit table and the current group credit limit table when a credit limit adjustment is detected in the legal person credit limit table associated with the enterprise or the group credit limit table of the group to which the enterprise belongs; The credit limit release module is further used to update the current enterprise credit limit table, legal person credit limit table and group credit limit table according to the new current credit limit information; The enterprise credit limit table includes the total amount used by the enterprise and the total amount of credit granted to the enterprise; the legal person credit limit table includes the total amount used by the legal person and the total amount of credit granted to the legal person; the group credit limit table includes the total amount used by the group and the total amount of credit granted to the group; the current credit limit information of the enterprise is determined based on the application amount information, the current enterprise credit limit table, the current legal person credit limit table and the current group credit limit table, including: According to the total amount of credit granted to the enterprise and the total amount used by the enterprise, information on the remaining application amount of the enterprise is obtained; Compare the remaining application amount information of the enterprise with the application amount information to determine the application amount information of the enterprise; Calculate first credit limit information according to the enterprise's available credit limit information, the legal person's total credit limit and the legal person's total credit limit used; Calculate the second credit limit information according to the enterprise's available credit limit information, the group's total credit limit and the group's total credit limit used; Determining the current credit limit information of the enterprise according to the first credit limit information and the second credit limit information; The first credit limit information is calculated according to the enterprise's available credit limit information, the legal person's total credit limit and the legal person's total credit limit used, including: According to the total amount of credit granted to the legal person and the total amount used by the legal person, information on the remaining application amount of the legal person is obtained; Compare the remaining application amount information of the legal person with the available application amount information of the enterprise to determine the first credit limit information; The calculating of the second credit limit information according to the enterprise's available credit limit information, the group's total credit limit and the group's total used credit limit includes: According to the total credit amount of the group and the total amount used by the group, information on the remaining application amount of the group is obtained; Compare the remaining application amount information of the group with the available application amount information of the enterprise to determine the second credit limit information; The determining the current credit limit information according to the first credit limit information and the second credit limit information includes: The smaller one of the first credit limit information and the second credit limit information is used as the current credit limit information.

4. A computer device, characterized in that: It comprises a memory and a processor, wherein the memory stores a computer program, and the processor executes the steps of the credit management system according to any one of claims 1 to 2 by calling the computer program stored in the memory.

5. A computer-readable storage medium, characterized in that: The computer-readable storage medium stores a computer program, and the computer program is suitable for being loaded by a processor to execute the steps of the credit management system according to any one of claims 1 to 2.

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