A credit renewal method, device, equipment and storage medium

Abstract

The present application relates to the field of data processing technology, and discloses a credit renewal method, device, equipment and storage medium. The credit renewal method applied to the first platform includes: responding to the loan request of the client during the credit period, determining whether the corresponding customer needs to undergo a first loan review by the target cooperative financial institution based on the credit limit information data of the cooperative financial institution; if so, sending the first loan materials to the client; receiving the signed materials fed back by the client, and after receiving the review pass instruction, associating the signed materials with the first loan label and sending them to the second platform, so that the second platform conducts a first loan review on the corresponding customer; wherein the signed materials are the signed first loan materials; wherein the first loan review includes the review of the signed materials and credit inquiry. The method of the present application can reduce the number of customer credit inquiries during the credit renewal process, and can also reduce the processing flow of the financial institution of the second platform.

Description

Technical Field

[0001] The present application relates to the field of data processing technology, and in particular to a credit renewal method, device, equipment and storage medium. Background Art

[0002] In the prior art, with the increase of micro-loan business, some small banks often conduct loan business by cooperating with other financial institutions. For the joint loan business, when it comes to credit renewal, even if the customer does not have a loan demand at present, the joint lending bank will inquire about the customer's credit, thereby increasing the workload of the joint lending bank, and frequent inquiries about the customer's credit will affect the customer's credit rating. Summary of the invention

[0003] In view of this, the embodiments of the present application provide a credit renewal method, apparatus, device and storage medium, which can reduce the number of customer credit inquiries during the credit renewal process and also reduce the processing flow of the financial institution of the second platform.

[0004] In a first aspect, an embodiment of the present application provides a credit renewal method, which is applied to a first platform and includes:

[0005] In response to a loan request from a client during the credit period, determine whether the corresponding customer needs to undergo a first-time borrowing review by the target cooperative bank based on the credit limit information data of the cooperative bank; if the corresponding customer needs to undergo a first-time borrowing review by the target cooperative bank, the customer will be considered as a first-time borrower;

[0006] If so, the first loan material is sent to the client;

[0007] Receive the signed materials fed back by the client, and after receiving the review approval instruction, associate the signed materials with the first loan tag and send them to the second platform, so that the second platform can conduct a first loan review on the corresponding customer; wherein, the signed materials are the first loan materials after signing; the first loan review includes the review of the signed materials and credit inquiry.

[0008] In some embodiments, the cooperative bank credit limit information data is pre-generated and includes:

[0009] Acquire the credit limit information file synchronized by the second platform, and obtain the credit limit information data of the cooperative bank after processing the credit limit information file;

[0010] The credit limit information file includes the customer code, the credit limit of the cooperative bank, the remaining available credit limit, the used credit limit, the credit start date, the credit expiration date and the credit limit status;

[0011] The cooperative bank's credit information data includes the institution code, customer code, cooperative bank's credit line, remaining available credit line, used credit line, credit start date, credit expiration date and credit line status.

[0012] In some embodiments, determining whether the corresponding customer needs to undergo a first loan review of the target cooperative bank based on the cooperative bank's credit limit information data includes:

[0013] Acquire the credit expiration date of the target cooperative bank according to the cooperative bank credit limit information data;

[0014] Calculate the difference between the credit expiration date and the current date;

[0015] Determine whether the corresponding customer needs to undergo a first loan review at the target cooperative bank based on the difference and the preset annual review configuration value.

[0016] In some embodiments, before determining whether the corresponding customer meets the first loan review conditions of the target cooperative bank according to the cooperative bank's credit limit information data, the method further includes:

[0017] Determining the target cooperation bank;

[0018] The determining of the target cooperation bank includes:

[0019] Determine a list of cooperative banks that meet the loan request based on the loan amount in the loan request, the cooperative bank's credit limit information data, and the preset loan ratio between the bank and the cooperative bank;

[0020] At least one of the cooperation banks is selected from the cooperation bank list as the target cooperation bank.

[0021] In some embodiments, after enabling the second platform to conduct a first loan review on the corresponding customer, the method further includes: receiving a first loan review result, and processing the loan request according to the first loan review result;

[0022] The processing of the loan request according to the first loan review result includes:

[0023] If the first loan review result is passed, the loan disbursement process will be executed;

[0024] If the first loan review result is unsatisfactory, the target cooperative financial institution is reselected from the list of cooperative financial institutions.

[0025] In a second aspect, an embodiment of the present application provides a credit renewal method, which is applied to a client and includes:

[0026] During the credit period, a loan request is sent to the first platform; wherein the loan request is used to instruct the first platform to determine whether the corresponding customer needs to undergo a first loan review of the target cooperative bank based on the cooperative bank's credit limit information data, and to send the first loan materials when a first loan review of the target cooperative bank is required;

[0027] Receive the first loan materials, and in response to the instruction of signing completion, send the signed materials to the first platform; wherein, after the first platform receives the instruction of review and approval of the signed materials, the signed materials are associated with the first loan tag and sent to the second platform, so that the second platform conducts a first loan review for the corresponding customer; wherein, the first loan review includes the review of the signed materials and a credit inquiry.

[0028] In a third aspect, an embodiment of the present application provides a credit renewal method, which is applied to a second platform and includes:

[0029] Receive the signed materials and the first loan tag associated with the signed materials; wherein the signed materials are the materials sent to the client by the first platform after the first platform responds to the client's loan request and determines, based on the cooperative bank's credit limit information data, that the corresponding customer needs to undergo a first loan review of the target cooperative bank, and then the materials are fed back to the first platform after the client triggers a review pass instruction;

[0030] A first-time borrowing review is performed on the corresponding customer based on the first-time borrowing label; wherein the first-time borrowing review includes the review of the signed materials and a credit inquiry.

[0031] In a fourth aspect, an embodiment of the present application provides a credit renewal device, including:

[0032] A determination module, for responding to a loan request from a client during the credit period, and determining whether the corresponding customer needs to undergo a first loan review by a target cooperative financial institution according to the credit limit information data of the cooperative financial institution; wherein, if the corresponding customer needs to undergo a first loan review by a target cooperative financial institution, the customer is regarded as a first loan customer;

[0033] A sending module, for sending the first loan materials to the client if it is determined based on the credit limit information data of the cooperative financial institution that the corresponding customer needs to undergo a first loan review by the target cooperative financial institution;

[0034] A receiving module is used to receive the signed materials fed back by the client, and after receiving the review approval instruction, associate the signed materials with the first loan label and send them to the second platform, so that the second platform can conduct a first loan review on the corresponding customer; wherein, the signed materials are the first loan materials after signing, and the first loan review includes the review of the signed materials and credit inquiry.

[0035] In a fifth aspect, an embodiment of the present application provides a terminal device, which includes a processor and a memory, wherein the memory stores a computer program, and the processor is used to execute the computer program to implement the above-mentioned credit renewal method.

[0036] In a sixth aspect, an embodiment of the present application provides a computer-readable storage medium storing a computer program, which, when executed on a processor, implements the above-mentioned credit renewal method.

[0037] The embodiments of the present application have the following beneficial effects: in the present application, only after the customer initiates a loan request within the credit period and the first platform financial institution determines that the customer needs to undergo a first loan review by the target cooperative financial institution, the customer can be reviewed as a first loan customer. The first platform only needs to review the signed loan materials, and synchronize them to the second platform after the review is passed, and synchronize the first loan label to the second platform. Then the second platform reviews the signed materials of the customer and inquires about the customer's credit at this time. That is, during the customer's credit period, when the customer needs to make payments and after the first platform has reviewed and approved the signed materials, the second platform will be triggered to inquire about the customer's credit and review the signed materials. That is, credit renewal will only be carried out when the customer makes payments. If the customer does not make payments, the credit renewal process will not be triggered, thereby reducing the number of customer credit inquiries and reducing the processing flow of the financial institution of the second platform. BRIEF DESCRIPTION OF THE DRAWINGS

[0038] In order to more clearly illustrate the technical solutions of the embodiments of the present application, the drawings required for use in the embodiments will be briefly introduced below. It should be understood that the following drawings only show certain embodiments of the present application and therefore should not be regarded as limiting the scope. For ordinary technicians in this field, other related drawings can be obtained based on these drawings without paying creative work.

[0039] Figure 1 A schematic diagram of the structure of the credit renewal system of the embodiment of the present application is shown;

[0040] Figure 2 A first flow chart of the credit renewal method according to an embodiment of the present application is shown;

[0041] Figure 3 A schematic diagram showing field information in a credit limit information file according to an embodiment of the present application is shown;

[0042] Figure 4 A second flow chart of the credit renewal method according to an embodiment of the present application is shown;

[0043] Figure 5 A third flow chart of the credit renewal method of the embodiment of the present application is shown;

[0044] Figure 6 A fourth flow chart of the credit renewal method of the embodiment of the present application is shown;

[0045] Figure 7 A fifth flow chart of the credit renewal method of the embodiment of the present application is shown;

[0046] Figure 8 A structural schematic diagram of a credit renewal device according to an embodiment of the present application is shown. DETAILED DESCRIPTION

[0047] The technical solutions in the embodiments of the present application will be described clearly and completely 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 of the embodiments.

[0048] 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.

[0049] Hereinafter, the terms "including", "having" and their cognates that can be used in various embodiments of the present application are intended only to indicate specific features, numbers, steps, operations, elements, components or a combination 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 a combination of the foregoing items or increasing the possibility of one or more features, numbers, steps, operations, elements, components or a combination of the foregoing items. In addition, the terms "first", "second", "third" and the like are only used to distinguish descriptions and cannot be understood as indicating or implying relative importance.

[0050] 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.

[0051] 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.

[0052] In the prior art, for joint loan business, when it comes to credit renewal, even if the customer currently has no loan demand, the joint lending bank will still query the customer's credit, thereby increasing the workload of the joint lending bank, and frequent credit inquiries on the customer will affect the customer's credit rating. Based on this, the present application proposes a credit renewal method, device, equipment and storage medium.

[0053] Before describing the credit extension method of the present application, first Figure 1 The credit renewal system of the embodiment of the present application is described.

[0054] Exemplarily, the credit renewal system includes a client 100, a first platform 200 and a second platform 300;

[0055] The client 100 is connected to the first platform 200 for communication; the first platform 200 is connected to the second platform 300 for communication, and the first platform 200 is connected to multiple second platforms 300 .

[0056] Among them, the client 100 is a terminal that the customer can use to initiate a loan request. The client 100 can be a smart terminal such as a mobile phone, computer, ipd, etc. with loan software installed.

[0057] The first platform 200 is a platform directly connected to the client 100. The first platform 200 may be a management platform of a financial institution, which is usually a financial institution that directly contacts customers. The financial institution may be a bank (such as a joint-stock bank, a city commercial bank, an agricultural commercial bank, etc.), an online loan platform (WeChat Credit, Jiebei, 360 IOU, Lightning Loan, Ping An Puhui, JD Finance, Xiaoyu Loan, etc.).

[0058] The first platform 200 may be connected to a plurality of second platforms 300 , and the second platform 300 may also be a management platform of a financial institution, which may be a bank (such as a joint-stock bank, a city commercial bank, an agricultural commercial bank, etc.), a trust partner, etc.

[0059] It can be understood that the first platform 200 and the second platform 300 are platforms that cooperate to provide loans to customers. The first platform 200 can have a cooperative relationship with multiple second platforms 300. The first platform 200 is a platform for acquiring customers and providing funds, and the second platform 300 mainly serves as a fund provider.

[0060] The following credit renewal methods are all described based on the above-mentioned credit renewal device.

[0061] Figure 2 A flow chart of a credit renewal method according to an embodiment of the present application is shown. Exemplarily, the credit renewal method is applied to a first platform and includes the following steps:

[0062] Step S100, in response to a loan request from a client during the credit period, determining whether the corresponding client needs to undergo a first loan review by a target cooperative financial institution based on the credit limit information data of the cooperative financial institution.

[0063] The generation of the credit limit information data of the cooperative financial institution includes: obtaining the credit limit information file synchronized by the second platform, and obtaining the credit limit information data of the cooperative financial institution after processing the credit limit information file.

[0064] Among them, the second platform is the platform of the cooperating financial institution.

[0065] Exemplarily, the second platform synchronizes the credit limit information file of customers who have been granted credit loans through the financial institution of the first platform in real time in the form of a data file to the first platform at a preset interval (it can be synchronized once a day, once a week, once an hour, or once every five hours, etc., and the specific synchronization frequency is not specifically limited. The synchronization frequency of each cooperative institution can be set according to the needs of the financial institution). When the second platform synchronizes the credit limit information file to the first platform, it can be full synchronization or incremental synchronization. The field information in the credit limit information file synchronized from the second platform is as follows: Figure 3 As shown, it includes but is not limited to customer code, credit limit of the cooperating financial institution, remaining available credit limit, used credit limit, credit start date, credit expiration date and credit limit status, etc.

[0066] The first platform performs data processing on the received credit information file, that is, the data warehouse of the first platform processes the obtained credit information file according to the cooperation institution number and the customer number as dimensions to obtain the credit information data of the cooperation financial institution (that is, the credit information data table of the cooperation institution with the cooperation institution number and the customer number as dimensions), wherein the content of the credit information data table of the cooperation institution includes but is not limited to the institution code, the customer code, the credit limit of the cooperation financial institution, the remaining available credit limit, the used credit limit, the credit start date, the credit expiration date and the credit status, etc.

[0067] According to step S100, it can be understood that the scenario applicable to this application is that the customer is within the credit period, that is, the customer has already been granted credit, and this credit is the situation where both the financial institution of the first platform and the target cooperative financial institution have approved the credit. Some time after the credit is approved, the customer initiates a loan request, that is, the customer needs to make a payment. At this time, it is necessary to determine whether the corresponding customer needs to undergo the first loan review of the target cooperative financial institution.

[0068] In some embodiments, Figure 4 Determine whether the corresponding customer needs to undergo first loan review by the target cooperative financial institution based on the credit information data of the cooperative financial institution, including:

[0069] Step S110, obtaining the credit expiration date of the target cooperative financial institution according to the credit limit information data of the cooperative financial institution.

[0070] Step S120, calculating the difference between the credit expiration date and the current date.

[0071] Step S130, determining whether the corresponding customer needs to undergo a first loan review by the target cooperative financial institution based on the difference and the preset annual review configuration value.

[0072] It can be understood that the scenario to which this application is applicable is the case of joint loans, that is, when a customer applies for a loan, two financial institutions jointly lend the money.

[0073] The customer goes through the credit granting process at the second platform financial institution. The credit granting usually has a credit granting deadline. Usually, the credit granting is for a period of 1 year, and the credit granting needs to be renewed again. The embodiment of the present application can obtain the credit granting expiration date of the target cooperative financial institution based on the credit limit information data of the cooperative financial institution, and then compare the difference between the credit granting expiration date and the current date with the preset annual review configuration value of the cooperative financial institution (the preset number of days before the annual review). If the difference between the credit granting expiration date and the current date is less than the preset annual review configuration value of the cooperative financial institution, the customer needs to undergo the first loan review of the target cooperative financial institution.

[0074] Among them, if the corresponding customer needs to undergo first loan review by the target cooperative financial institution, the customer will be treated as a first loan customer.

[0075] If the corresponding customer needs to undergo a first loan review by the target cooperative financial institution, step S200 is executed to send the first loan materials to the client.

[0076] If it is determined in step S100 that the customer needs to undergo a first loan review by the target cooperative financial institution, that is, the annual review time is approaching, the first platform sends the first loan materials to the client, and the first loan materials include but are not limited to the loan contract, mortgage contract, etc.

[0077] Step S300, receiving the signed materials fed back by the client, and after receiving the review pass instruction, associating the signed materials with the first loan tag and sending them to the second platform, so that the second platform conducts the first loan review for the corresponding customer.

[0078] Among them, the signed materials are the first loan materials after signing; among them, the first loan review includes the review of signed materials and credit inquiry.

[0079] After the first loan materials are sent to the client in step S200, the user signs these materials through the client and sends the signed first loan materials to the first platform. After the first platform receives the first loan materials, the reviewer reviews the first loan materials. After the review is passed, the review pass instruction is triggered through the pass button on the first platform, indicating that the signed materials meet the requirements of the financial institution of the first platform and meet the loan conditions of the financial institution of the first platform. Then the first platform associates the signed materials with the first loan label and sends them to the second platform. After the second platform receives the signed materials and the first loan label, it conducts a first loan review on the customer, wherein the first loan review includes but is not limited to the review of the signed materials and the credit inquiry.

[0080] After step S300, the method further includes: receiving the first loan review result, and processing the loan request according to the first loan review result.

[0081] After the second platform receives the signed materials and the first loan tag associated with the signed materials sent by the first platform, the second platform obtains the information of the customer as a first loan customer based on the first loan tag, and then the financial institution of the second platform reviews the signed materials and inquires about the customer's credit. If the first loan review result is passed, the loan process will be executed, that is, the funds to be loaned will be placed into the collection account according to the preset loan ratio with the financial institution of the first platform, and the financial institution of the first platform will also place the funds it needs to loan to the customer into the collection account, and then lend the money to the customer; if the first loan review result is not passed, the target cooperative financial institution will be reselected from the list of cooperative financial institutions; it can be understood that if the review result is not passed, in order to ensure the timeliness of the customer's loan and the principle of process economy, upon receiving the current second platform's review result that is not passed, the first platform will reselect a new cooperative financial institution from the pre-acquired list of cooperative financial institutions. The financial institution acts as a joint lending institution, and then repeatedly executes the loan request in response to the client, and determines whether the corresponding customer needs to undergo the first loan review of the target cooperative financial institution based on the credit information data of the cooperative financial institution; if so, the first loan materials are sent to the client; the signed materials fed back by the client are received, and after receiving the review pass instruction, the signed materials are associated with the first loan label and sent to the second platform, so that the second platform can conduct the first loan review of the corresponding customer; wherein the signed materials are the signed first loan materials; wherein the first loan review includes the review of the signed materials and the credit inquiry; the first loan review results are received, and the loan request is processed according to the first loan review results. Until the customer withdraws the loan request or the second platform institution agrees to the customer's loan request.

[0082] If it is determined through step S100 that the corresponding customer does not meet the first loan review conditions of the target cooperative financial institution, step S400 is executed to send the loan request to the second platform.

[0083] It can be understood that if it is obtained through step S100 that the corresponding customer does not need to undergo the first loan review of the target cooperative financial institution, that is, the customer's previous credit has not expired, the time for credit renewal has not yet been reached, and the customer's remaining available credit limit is sufficient, and the credit limit status is normal, then the financial institution of the second platform can directly lend money, that is, the funds to be loaned are placed into the collection account according to the preset loan ratio with the financial institution of the first platform, and the financial institution of the first platform also places the funds it needs to loan to the customer into the collection account, and then lends money to the customer.

[0084] In some implementations, before determining whether the corresponding customer meets the first loan review conditions of the target cooperative financial institution based on the credit information data of the cooperative financial institution, the method further includes: determining the target cooperative financial institution;

[0085] like Figure 5 As shown, target cooperative financial institutions are identified, including:

[0086] Step S140, determining a list of cooperative financial institutions that meet the loan request based on the loan amount in the loan request, the credit limit information data of the cooperative financial institution, and the preset loan ratio between the bank and the cooperative financial institution.

[0087] Step S150: selecting at least one cooperative financial institution from the cooperative financial institution list as a target cooperative financial institution.

[0088] It can be understood that the financial institution of the first platform is a channel for acquiring customers, that is, the customer obtains a loan through the financial institution of the first platform. Due to insufficient funds or other reasons of the financial institution of the first platform, it needs to cooperate with other financial institutions to lend money. Therefore, the financial institution of the first platform will agree on the loan ratio with the financial institution of the second platform that cooperates in lending in advance, such as 3:7, 4:6 or 5:5, etc. The specific preset loan ratio can be set as needed and is not specifically limited here. When determining the target cooperative financial institution, after determining the loan amount through the loan request, the first platform can first determine the cooperative financial institution that meets the conditions according to the loan amount, the credit information data of the cooperative financial institution and the preset loan ratio between the bank and the cooperative financial institution. Among them, the cooperative financial institution that meets the conditions is preferably the cooperative financial institution that has been granted credit to the customer. Since the credit information data of the cooperative financial institution contains information such as the credit limit of the cooperative financial institution, the remaining available credit limit, the used credit limit, etc., and the first platform saves the preset loan ratio with each cooperative financial institution, the first platform can obtain the cooperative financial institution with sufficient remaining available credit, and the cooperative financial institution with sufficient remaining available credit is the cooperative financial institution that meets the loan request.

[0089] In this application, during the credit period, only after the customer initiates a loan request and the first platform financial institution determines that the customer needs to undergo a first loan review by the target cooperative financial institution, the customer can be reviewed as a first loan customer. The first platform only needs to review the signed loan materials, and synchronize them to the second platform after the review is passed, and synchronize the first loan label to the second platform. The second platform then reviews the customer's signed materials and inquires about the customer's credit at this time. That is, during the customer's credit period, the customer will trigger the second platform to inquire about the customer's credit and review the signed materials when he needs to make payments. That is, credit renewal will only be carried out when the customer makes payments. If the customer does not make payments, the credit process will not be triggered, which can reduce the number of customer credit inquiries and reduce the processing flow of the financial institution on the second platform.

[0090] In another embodiment, Figure 6 A flow chart of a credit renewal method according to an embodiment of the present application is shown. Exemplarily, the credit renewal method is applied to a client and includes the following steps:

[0091] Step S10: Send a loan request to the first platform during the credit period.

[0092] Among them, the loan request is used to instruct the first platform to determine whether the corresponding customer needs to undergo a first loan review by the target cooperative financial institution based on the credit limit information data of the cooperative financial institution, and to send the first loan materials when a first loan review by the target cooperative financial institution is required.

[0093] Step S20, receiving the first loan materials, and in response to the instruction of signing completion, sending the signed materials to the first platform.

[0094] Among them, after the first platform receives the instruction that the signed materials have been reviewed and approved, the signed materials are associated with the first loan label and sent to the second platform, so that the second platform can conduct a first loan review for the corresponding customer; wherein, the first loan review includes the review of the signed materials and credit inquiry.

[0095] It can be understood that the credit renewal method of this embodiment is consistent with the credit renewal method applied to the first platform, and the optional options in the above embodiment are also applicable to this embodiment, so they will not be repeated here.

[0096] In yet another embodiment, Figure 7 A flow chart of a credit renewal method according to an embodiment of the present application is shown. Exemplarily, the credit renewal method is applied to a second platform and includes the following steps:

[0097] Step S30, receiving the signed material and the first loan tag associated with the signed material.

[0098] Among them, the signed materials are the materials that the first platform sends to the client after responding to the client's loan request and determining, based on the credit limit information data of the cooperative financial institution, that the corresponding customer needs to undergo a first loan review by the target cooperative financial institution. After the client triggers the review pass instruction, the materials are fed back to the first platform.

[0099] Step S40: conducting a first loan review on the corresponding customer based on the first loan label.

[0100] Among them, the first loan review includes the review of signed documents and credit inquiries.

[0101] It can be understood that the credit renewal method of this embodiment is consistent with the credit renewal method applied to the first platform, and the optional options in the above embodiment are also applicable to this embodiment, so they will not be repeated here.

[0102] Figure 8 A schematic diagram of the structure of a credit renewal device in an embodiment of the present application is shown. Exemplarily, the credit renewal device includes:

[0103] The determination module 10 is used to respond to the loan request of the client during the credit period and determine whether the corresponding customer needs to undergo a first loan review by the target cooperative financial institution according to the credit limit information data of the cooperative financial institution; if the corresponding customer needs to undergo a first loan review by the target cooperative financial institution, the customer is regarded as a first loan customer;

[0104] The sending module 20 is used to send the first loan materials to the client if it is determined that the corresponding customer needs to undergo a first loan review by the target cooperative financial institution according to the credit limit information data of the cooperative financial institution;

[0105] The receiving module 30 is used to receive the signed materials fed back by the client, and after receiving the review approval instruction, associate the signed materials with the first loan label and send them to the second platform, so that the second platform can conduct a first loan review on the corresponding customer; wherein, the signed materials are the first loan materials after signing, and the first loan review includes the review of the signed materials and credit inquiry.

[0106] It can be understood that the device of this embodiment corresponds to the credit renewal method of the above embodiment, and the options in the above embodiment are also applicable to this embodiment, so they will not be described repeatedly here.

[0107] The present application also provides a terminal device. Exemplarily, the terminal device includes a processor and a memory, wherein the memory stores a computer program, and the processor runs the computer program, thereby causing the terminal device to execute the above-mentioned credit renewal method applied to the first platform, or execute the computer program to implement the above-mentioned credit renewal method applied to the client, or execute the computer program to implement the above-mentioned credit renewal method applied to the second platform.

[0108] Among them, the processor can be an integrated circuit chip with signal processing capabilities. The processor can be a general-purpose processor, including a central processing unit (CPU), a graphics processing unit (GPU), a network processor (NP), a digital signal processor (DSP), an application-specific integrated circuit (ASIC), a field programmable gate array (FPGA) or at least one of other programmable logic devices, discrete gates or transistor logic devices, and discrete hardware components. The general-purpose processor can be a microprocessor or the processor can also be any conventional processor, etc., which can implement or execute the methods, steps and logic block diagrams disclosed in the embodiments of the present application.

[0109] The memory may be, but is not limited to, a random access memory (RAM), a read only memory (ROM), a programmable read-only memory (PROM), an erasable programmable read-only memory (EPROM), an electric erasable programmable read-only memory (EEPROM), etc. The memory is used to store a computer program, and the processor may execute the computer program accordingly after receiving an execution instruction.

[0110] The present application also provides a computer-readable storage medium for storing the computer program used in the above terminal device. For example, the computer-readable storage medium may include but is not limited to: a USB flash drive, a mobile hard disk, a read-only memory (ROM), a random access memory (RAM), a magnetic disk or an optical disk, and other media that can store program codes.

[0111] 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.

[0112] In addition, the functional modules or units in the various embodiments of the present application may be integrated together to form an independent part, or each module may exist separately, or two or more modules may be integrated to form an independent part.

[0113] If the functions are implemented in the form of software function modules and sold or used as independent products, they can be stored in a computer-readable storage medium. Based on this understanding, the technical solution of the present application, or the part that contributes to the prior art, or the part of the technical solution, can be embodied in the form of a software product, which is stored in a storage medium and includes several instructions for enabling 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 methods described in the various embodiments of the present application.

[0114] 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 renewal method, characterized in that: Applied to the first platform, including: In response to a loan request from a client during the credit period, a target cooperative financial institution is determined, and whether the corresponding customer needs to undergo a first loan review of the target cooperative financial institution based on the credit limit information data of the cooperative financial institution; the generation of the credit limit information data of the cooperative financial institution includes: obtaining a credit limit information file synchronized by the second platform, and processing the credit limit information file to obtain the credit limit information data of the cooperative financial institution; wherein the credit limit information file includes a customer code, a credit limit of the cooperative financial institution, a remaining available credit limit, a credit expiration date, and a credit limit status; If the customer needs to undergo a first-time loan review by the target cooperative financial institution, the customer will be considered as a first-time loan customer; If yes, the first loan materials are sent to the client; receiving the signed materials fed back by the client, and after receiving the review approval instruction, associating the signed materials with the first loan tag and sending them to the second platform, so that the second platform can conduct a first loan review on the corresponding customer; wherein the signed materials are the signed first loan materials, and the first loan review includes the review of the signed materials and credit inquiry; Wherein, the determining of the target cooperative financial institution comprises: determining a list of cooperative financial institutions that meet the loan request according to the loan amount in the loan request, the credit limit information data of the cooperative financial institution and the preset loan ratio between the bank and the cooperative financial institution; wherein the credit limit information data of the cooperative financial institution comprises an institution code, a customer code, a credit limit of the cooperative financial institution, a remaining available credit limit, a credit expiration date and a credit limit status; selecting at least one of the cooperative financial institutions from the list of cooperative financial institutions as the target cooperative financial institution; Among them, determining whether the corresponding customer needs to undergo a first loan review by the target cooperative financial institution based on the credit limit information data of the cooperative financial institution includes: obtaining the credit expiration date of the target cooperative financial institution based on the credit limit information data of the cooperative financial institution; calculating the difference between the credit expiration date and the current date; and determining whether the corresponding customer needs to undergo a first loan review by the target cooperative financial institution based on the difference and the preset annual review configuration value.

2. The credit renewal method according to claim 1, characterized in that: After the second platform performs first loan review on the corresponding customer, the method further includes: receiving the first loan review result, and processing the loan request according to the first loan review result; The processing of the loan request according to the first loan review result includes: If the first loan review result is passed, the loan process will be executed; If the first loan review result is unsatisfactory, the target cooperative financial institution is reselected from the list of cooperative financial institutions.

3. A credit renewal method, characterized in that: Applied to the client, including: During the credit period, a loan request is sent to the first platform; wherein the loan request is used to instruct the first platform to determine the target cooperative financial institution, and determine whether the corresponding customer needs to undergo a first loan review by the target cooperative financial institution based on the credit limit information data of the cooperative financial institution, and send the first loan materials when the first loan review by the target cooperative financial institution is required; the generation of the credit limit information data of the cooperative financial institution includes: obtaining the credit limit information file synchronized by the second platform, and processing the credit limit information file to obtain the credit limit information data of the cooperative financial institution; wherein the credit limit information file includes the customer code, the credit limit of the cooperative financial institution, the remaining available credit limit, the credit expiration date and the credit limit status; receiving the first loan materials, and in response to the instruction of signing completion, sending the signed materials to the first platform; wherein, after the first platform receives the instruction of reviewing and approving the signed materials, the signed materials are associated with the first loan tag and sent to the second platform, so that the second platform conducts a first loan review on the corresponding customer; wherein, the first loan review includes the review of the signed materials and the credit inquiry; Wherein, the determining of the target cooperative financial institution comprises: determining a list of cooperative financial institutions that meet the loan request according to the loan amount in the loan request, the credit limit information data of the cooperative financial institution and the preset loan ratio between the bank and the cooperative financial institution; wherein the credit limit information data of the cooperative financial institution comprises an institution code, a customer code, a credit limit of the cooperative financial institution, a remaining available credit limit, a credit expiration date and a credit limit status; selecting at least one of the cooperative financial institutions from the list of cooperative financial institutions as the target cooperative financial institution; Among them, determining whether the corresponding customer needs to undergo a first loan review by the target cooperative financial institution based on the credit limit information data of the cooperative financial institution includes: obtaining the credit expiration date of the target cooperative financial institution based on the credit limit information data of the cooperative financial institution; calculating the difference between the credit expiration date and the current date; and determining whether the corresponding customer needs to undergo a first loan review by the target cooperative financial institution based on the difference and the preset annual review configuration value.

4. A credit renewal method, characterized in that: Applied to the second platform, including: Receive signed materials and a first loan tag associated with the signed materials; wherein the signed materials are materials sent to the client after the first platform responds to the loan request of the client and determines the target cooperative financial institution, determines that the corresponding customer needs to undergo a first loan review of the target cooperative financial institution based on the credit limit information data of the cooperative financial institution, and then feeds back to the first platform after the client triggers a review pass instruction; generation of the credit limit information data of the cooperative financial institution includes: obtaining a credit limit information file synchronized by the second platform, and processing the credit limit information file to obtain the credit limit information data of the cooperative financial institution; wherein the credit limit information file includes a customer code, a credit limit of the cooperative financial institution, a remaining available credit limit, a credit expiration date, and a credit limit status; Conducting a first loan review on the corresponding customer based on the first loan label; wherein the first loan review includes reviewing the signed materials and conducting a credit inquiry; Wherein, the determining of the target cooperative financial institution comprises: determining a list of cooperative financial institutions that meet the loan request according to the loan amount in the loan request, the credit limit information data of the cooperative financial institution and the preset loan ratio between the bank and the cooperative financial institution; wherein the credit limit information data of the cooperative financial institution comprises an institution code, a customer code, a credit limit of the cooperative financial institution, a remaining available credit limit, a credit expiration date and a credit limit status; selecting at least one of the cooperative financial institutions from the list of cooperative financial institutions as the target cooperative financial institution; Among them, determining whether the corresponding customer needs to undergo a first loan review by the target cooperative financial institution based on the credit limit information data of the cooperative financial institution includes: obtaining the credit expiration date of the target cooperative financial institution based on the credit limit information data of the cooperative financial institution; calculating the difference between the credit expiration date and the current date; and determining whether the corresponding customer needs to undergo a first loan review by the target cooperative financial institution based on the difference and the preset annual review configuration value.

5. A credit renewal device, characterized in that: include: A determination module is used to respond to a loan request from a client within the credit period, determine the target cooperative financial institution, and determine whether the corresponding customer needs to undergo a first loan review by the target cooperative financial institution based on the credit limit information data of the cooperative financial institution; wherein, if the corresponding customer needs to undergo a first loan review by the target cooperative financial institution, the customer is regarded as a first loan customer; generation of the credit limit information data of the cooperative financial institution includes: obtaining a credit limit information file synchronized by the second platform, and processing the credit limit information file to obtain the credit limit information data of the cooperative financial institution; wherein, the credit limit information file includes a customer code, a credit limit of the cooperative financial institution, a remaining available credit limit, a credit expiration date, and a credit limit status; A sending module, for sending the first loan materials to the client if it is determined based on the credit limit information data of the cooperative financial institution that the corresponding customer needs to undergo a first loan review by the target cooperative financial institution; a receiving module, configured to receive the signed materials fed back by the client, and after receiving the review pass instruction, associate the signed materials with the first loan tag and send them to the second platform, so that the second platform can conduct a first loan review on the corresponding customer; wherein the signed materials are the signed first loan materials, and the first loan review includes the review of the signed materials and a credit inquiry; Wherein, the determining of the target cooperative financial institution comprises: determining a list of cooperative financial institutions that meet the loan request according to the loan amount in the loan request, the credit limit information data of the cooperative financial institution and the preset loan ratio between the bank and the cooperative financial institution; wherein the credit limit information data of the cooperative financial institution comprises an institution code, a customer code, a credit limit of the cooperative financial institution, a remaining available credit limit, a credit expiration date and a credit limit status; selecting at least one of the cooperative financial institutions from the list of cooperative financial institutions as the target cooperative financial institution; Among them, determining whether the corresponding customer needs to undergo a first loan review by the target cooperative financial institution based on the credit limit information data of the cooperative financial institution includes: obtaining the credit expiration date of the target cooperative financial institution based on the credit limit information data of the cooperative financial institution; calculating the difference between the credit expiration date and the current date; and determining whether the corresponding customer needs to undergo a first loan review by the target cooperative financial institution based on the difference and the preset annual review configuration value.

6. A terminal device, characterized in that: The terminal device includes a processor and a memory, the memory stores a computer program, and the processor is used to execute the computer program to implement the credit renewal method described in any one of claims 1-2, or execute the computer program to implement the credit renewal method described in claim 3, or execute the computer program to implement the credit renewal method described in claim 4.

7. A computer-readable storage medium, characterized in that: It stores a computer program, which, when executed on a processor, implements the credit renewal method according to any one of claims 1-4.

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