Loan matching method, electronic device, storage medium and program product

Abstract

The invention provides a loan matching method, electronic equipment, a storage medium and a computer program product. The method comprises the following steps: acquiring customer qualification information and loan intention information; screening out a plurality of to-be-selected capital parties from the plurality of capital parties, wherein the capital conditions of the to-be-selected capital parties are matched with the customer qualification information; extracting a plurality of intention items in the loan intention information, wherein each intention item corresponds to one item of investor data; converting each piece of investor data of the to-be-selected investors into priorities, and obtaining the intention priorities corresponding to the to-be-selected investors in each intention project; and selecting a recommended investor from the plurality of to-be-selected investors according to the priority order of the respective corresponding intention priorities of the plurality of to-be-selected investors in the at least one intention project.

Description

Technical Field

[0001] The present disclosure relates to the field of computer technology, and more particularly to a loan matching method, electronic device, storage medium and computer program product. Background Art

[0002] In transactions involving intermediaries, in order to facilitate the completion of transactions, in some business transactions, intermediaries provide recommendations on loan plans to customers so that customers can choose appropriate loan methods to obtain loans from banks or other investors, and use the loans to complete the transactions.

[0003] Currently, loan plan recommendations are mainly made by intermediary business managers based on their personal experience. Since the personal experience of different intermediary business managers varies and they may have subjective intentions, it is difficult to standardize the recommended plans and it is difficult to recommend the best loan plan every time. Summary of the invention

[0004] In order to solve one of the above technical problems, the present disclosure provides a loan matching method, an electronic device, a storage medium and a computer program product.

[0005] The first aspect of the present disclosure provides a loan matching method, comprising: obtaining customer qualification information and loan intention information; screening out multiple investors to be selected from multiple investors, whose investment conditions match the customer qualification information; extracting multiple intended projects in the loan intention information, each of which corresponds to an investor data; converting each of the investor data of the investor to be selected into a priority, to obtain the intention priority corresponding to each of the intended projects of the investor to be selected; and selecting a recommended investor from the multiple investors to be selected according to the priority order of the intention priorities corresponding to each of the multiple investors to be selected in at least one of the intended projects.

[0006] In an optional implementation, a recommended investor is selected from a plurality of investors to be selected based on the priority order of the intention priorities corresponding to each of the plurality of investors to be selected in at least one of the intended projects, comprising: in response to a first selection instruction, obtaining a preferred intended project from the plurality of intended projects, and the priority converted from the investor data corresponding to the preferred intended project is the preferred intention priority; sorting the plurality of investors to be selected according to the priority order of the preferred intention priorities corresponding to each of the plurality of investors to obtain a recommended investor sequence; in response to a second selection instruction, selecting the recommended investor from the recommended investor sequence; or selecting the first investor to be selected in the recommended investor sequence to obtain the recommended investor.

[0007] In an optional implementation, the loan matching method further includes: obtaining advantageous intention projects corresponding to the investor to be selected, the advantageous intention projects being the intention projects with one or more intention priorities having the highest priority among the multiple intention priorities corresponding to the investor to be selected; obtaining advantageous labels corresponding to the advantageous intention projects; and outputting a list of investors to be selected, the list of investors to be selected including the multiple investors to be selected and the advantageous labels corresponding to each of the investors to be selected.

[0008] In an optional implementation, a recommended investor is selected from a plurality of investors to be selected based on the priority order of the intention priorities corresponding to each of the plurality of investors to be selected in at least one of the intended projects, comprising: in response to a first selection instruction, obtaining a preferred intended project from the plurality of intended projects, the priority converted from the investor data corresponding to the preferred intended project being the preferred intention priority; screening out a plurality of preferred investors from the list of investors to be selected, the advantageous intended projects corresponding to the preferred investors including the preferred intended project; in response to a third selection instruction, selecting the recommended investor from the plurality of preferred investors; or selecting the preferred investor whose corresponding preferred intention priority is the first in priority order to obtain the recommended investor.

[0009] In an optional implementation, the intention priority includes an intention priority score, and the intention priority scores correspond from large to small to the order of priority from front to back; each item of the investor data of the candidate investor is converted into a priority, and the intention priority corresponding to each of the intended projects of the candidate investor is obtained, including: mapping the investor data into a priority score through a mapping formula corresponding to the intended project, and obtaining the intention priority score, and the mapping formula represents the mapping relationship between the investor data and the priority score.

[0010] In an optional implementation, the intention priority includes an intention priority score, and the intention priority score corresponds to an order of priority from first to last from large to small; according to the priority order of the intention priorities corresponding to each of the multiple candidates for investment in at least one of the intended projects, selecting a recommended investor from the multiple candidates for investment, including: calculating the sum of the intention priority scores corresponding to each of the candidates for investment in each of the intended projects, to obtain the sum of the priority scores corresponding to the candidates for investment; selecting one or more candidates for investment with the highest sum of the corresponding priority scores to obtain a recommended investor.

[0011] In an optional implementation manner, the loan matching method further includes: sending loan application information to the recommended investor.

[0012] In an optional implementation, the loan matching method further includes: generating a proposal based on the recommended investor, the customer qualification information and the loan intention information; matching a target employee account based on the proposal, sending an order dispatch notification to the target employee account, and receiving a feedback notification from the target employee account.

[0013] In an optional implementation, when matching the target employee account based on the proposal, sending a dispatch notification to the target employee account, and receiving a feedback notification from the target employee account, the loan matching method is used to: obtain multiple employee accounts to be selected, each of the employee accounts to be selected corresponds to at least one registered investor; screen the multiple employee accounts to be selected, and determine the corresponding registered investors including the recommended investor's employee account to be the target employee account; in response to the target employee account not being screened out, modify the recommended investor in the proposal based on the registered investor corresponding to the employee account to be selected.

[0014] In an optional implementation, when matching the target employee account based on the proposal, sending an order dispatch notification to the target employee account, and accepting a feedback notification from the target employee account, the loan matching method is used to: send an order dispatch notification to the target employee account, and monitor the feedback notification from the target employee account, wherein the feedback notification includes an order acceptance notification, an order transfer notification, and an order return notification; in response to the order acceptance notification, transmit the proposal to the target employee account; and / or in response to the order transfer notification, obtain the order transfer employee account based on the order transfer notification, modify the recommended investor in the proposal based on the registered investor corresponding to the order transfer employee account, and transmit the modified proposal to the order transfer employee account; and / or in response to the order return notification, remove the target employee account that issued the order return notification from the target employee account list, obtain an updated target employee account list, and regenerate the proposal based on the updated target employee account list.

[0015] In an optional implementation manner, the loan matching method further includes: obtaining the loan application approval result of the recommended investor, and transmitting the loan application approval result to the target employee account.

[0016] A second aspect of the present disclosure provides an electronic device, comprising: a memory storing execution instructions; and a processor executing the execution instructions stored in the memory, so that the processor executes the loan matching method of any embodiment of the present disclosure.

[0017] A third aspect of the present disclosure provides a computer-readable storage medium, on which a computer program is stored. When the computer program is executed by a processor, the loan matching method of any embodiment of the present disclosure is executed.

[0018] A fourth aspect of the present disclosure provides a computer program product, which includes a computer program. When the computer program is executed by a processor, the loan matching method of any embodiment of the present disclosure is executed. BRIEF DESCRIPTION OF THE DRAWINGS

[0019] The accompanying drawings illustrate exemplary embodiments of the present disclosure and together with the description serve to explain the principles of the present disclosure. These drawings are included to provide a further understanding of the present disclosure and are incorporated in and constitute a part of this specification.

[0020] Figure 1 It is a schematic diagram of application scenarios of the loan matching method of some embodiments of the present disclosure.

[0021] Figure 2 It is a flowchart of a loan matching method according to some embodiments of the present disclosure.

[0022] Figure 3 It is a schematic diagram of the priority conversion process of some embodiments of the present disclosure.

[0023] Figure 4 The figure is a schematic diagram of a list of investors to be selected in some embodiments of the present disclosure.

[0024] Figure 5 It is a schematic block diagram of the structure of an electronic device according to some embodiments of the present disclosure.

[0025] Figure 6 It is a schematic flow chart of module interaction of an electronic device in some embodiments of the present disclosure. DETAILED DESCRIPTION

[0026] The present disclosure is further described in detail below in conjunction with the accompanying drawings and examples. It is understood that the specific examples described herein are only used to explain the relevant content, rather than to limit the present disclosure. It should also be noted that, for ease of description, only the parts related to the present disclosure are shown in the accompanying drawings.

[0027] It should be noted that, in the absence of conflict, the embodiments and features of the embodiments in the present disclosure can be combined with each other. The technical solution of the present disclosure will be described in detail below with reference to the accompanying drawings and in combination with the embodiments.

[0028] In some application scenarios, it may be necessary to use loans to pay for transactions. For example, in the business scenario of real estate transactions, home buyers may need banks to provide loans to pay for the purchase. Some transaction intermediary platforms not only provide transaction matching between buyers and sellers, but also have dedicated business managers to provide loan consulting services. They can provide corresponding loan plans based on the conditions and needs of the buyer or seller, including information such as recommended loan banks, to facilitate the completion of transactions. However, the personal experience of different business managers varies, and the recommended plans given may be subjective, so it is difficult to guarantee that the recommended plans provided by the business managers every time are the best plans.

[0029] Based on the above problems, the present disclosure provides a loan matching method.

[0030] Figure 1 The application scenario of the loan matching method of the embodiment of the present disclosure is shown. In this application scenario, the loan matching method automatically recommends a more suitable recommended investor for the customer to apply for a loan based on the customer qualification information and loan intention information provided by the customer. The investor can be a bank or other financial institution. The loan matching method recommends the recommended investor, has relatively standardized recommendation standards, and can efficiently and quickly obtain the optimal recommendation plan.

[0031] First, the technical terms involved in this article are explained.

[0032] Customer qualification information: It is relevant information that investors can use to assess the feasibility and risk level of their loans. For example, it includes the age, identity, residence, income certificate, credit record, repayment ability, collateral and other information of the customer (loan applicant), which are not listed here one by one. Investors usually set corresponding investment conditions based on customer qualification information. For example, investment conditions include: age of 18 or above, identity of Chinese citizen, residence in a fixed place for one year, etc., which are not listed here one by one.

[0033] Loan intention information: represents the customer's intention when selecting an investor. Loan intention information includes multiple intention items, such as the investor's geographical location, loan policy, loan time limit, customer feedback, etc., which are not listed here one by one. For example, a certain loan intention information includes an investor with a geographical location in a certain area of ​​a certain city and a high service evaluation.

[0034] See also Figure 2 , Figure 2 The flowchart of a loan matching method M100 according to an embodiment of the present disclosure is shown. The loan matching method M100 includes the following steps: S110: Obtain customer qualification information and loan intention information.

[0035] S120: Match the investment conditions of multiple investors with the customer qualification information to obtain multiple investors to be selected, where the investment conditions of the investors to be selected match the customer qualification information.

[0036] S130: extracting multiple intended items from the loan intention information, each intended item corresponding to one item of investor data.

[0037] S140: Convert each item of investor data of the investor to be selected into priority respectively, and obtain the priority of the investor to be selected corresponding to each intended project.

[0038] S150: Selecting a recommended investor from among the multiple investors to be selected according to the priority order of the intention priorities corresponding to the multiple investors to be selected in at least one intended project.

[0039] In one example, the server stores a loan matching page. The customer can access the loan matching page and enter the customer qualification information and loan intention information on the loan matching page to obtain the recommendation of the funder. The customer qualification information and loan intention information in step S110 can be obtained from the server.

[0040] In one example, a plurality of investors and their respective investment conditions are stored in the local storage hardware of an electronic device to which the loan matching method M100 is applied. The investment conditions of the plurality of investors are matched with the customer qualification information, that is, the plurality of investors are filtered using the customer qualification information and the investment conditions. If the customer qualification information meets the investment conditions of a certain investor, the investor is retained as a candidate investor, so that the investment conditions of the retained candidate investor match the customer qualification information.

[0041] In one example, the investor data corresponding to the intended project includes at least one of geographical location data, loan policy data, loan time data, and customer feedback data. For example, if the intended project is the geographical location of the investor, then the investor data corresponding to the intended project is the geographical location data.

[0042] In one example, loan policy data includes loan types, loan procedures, repayment methods, etc., which are not listed here one by one.

[0043] In one example, loan validity data refers to the time required for the investor to process the loan and disburse the loan.

[0044] In one example, customer feedback data includes customer evaluation information, customer complaint information, etc., which are not listed here one by one.

[0045] In one example, the priority converted from the investor data of the investor to be selected is used to characterize the degree of contribution provided by the investor data when selecting the recommended investor. The higher the contribution, the higher the priority. Conversely, the lower the contribution, the lower the priority. For example, the intended project is the geographical location of the investor, and one of the investor data corresponding to the intended project is the geographical location data. One of the investors to be selected is the First Bank, and the intended priority converted from the geographical location data of the First Bank characterizes the degree of contribution provided by the geographical location data of the First Bank to the selection of the First Bank as the recommended investor when selecting the recommended investor based on the geographical location.

[0046] In one example, the intention priority can be a specific numerical value, and the intention priority with a larger numerical value has a higher priority. For example, if one intention priority is 10 and another intention priority is 15, the intention priority 15 has a higher priority than the intention priority 10.

[0047] In one example, the intention priority can be a character, and different characters represent different priorities. For example, the intention priority includes the character "A" and the character "B", and it is specified that the priority of the character "A" is before the priority of the character "B".

[0048] In one example, a recommended investor is selected from a plurality of investors to be selected according to the priority order of the intention priority corresponding to each of the plurality of investors to be selected in at least one intended project. The selection may be made according to the priority order of the intention priority corresponding to each of the plurality of investors to be selected in 1, 2, 3, 4, 5 or more intended projects. The number of recommended investors selected may be 1, 2, 3, 4, 5 or more, which is not limited here.

[0049] See also Figure 3 , assuming that the multiple investors include the first bank, the second bank, the third bank, the fourth bank and the fifth bank. Among them, the investment conditions and customer qualification information of the first bank, the second bank and the third bank match, and the first bank, the second bank and the third bank are obtained as the investors to be selected.

[0050] Assume that the multiple intention items in the loan intention information are the investor's loan time limit, service evaluation, and distance from home. Convert the First Bank's service evaluation data, distance from home data, and loan time limit data into priorities, and obtain the First Bank's intention priorities corresponding to the three intention items of service evaluation, distance from home, and loan time limit. For example, Figure 3In the example, the first bank has the intention priorities of "A", "B", and "C" for the three intention items of service evaluation, distance from home, and loan time limit. The second bank has the intention priorities of "C", "A", and "B" for the three intention items of service evaluation, distance from home, and loan time limit. The third bank has the intention priorities of "B", "C", and "A" for the three intention items of service evaluation, distance from home, and loan time limit. It is specified that the characters "A", "B", and "C" have a decreasing priority order.

[0051] Case 1: According to the priority order of the first bank, the second bank and the third bank's corresponding intention priorities in the service evaluation project, one recommended investor is selected from the first bank, the second bank and the third bank.

[0052] In Case 1, the intended priorities of the First Bank, the Second Bank and the Third Bank in the service evaluation project are "A", "B" and "C" respectively, that is, the First Bank has the highest priority in the service evaluation project, so the First Bank is selected as the recommended investor.

[0053] Case 2: Select 2 recommended investors from the First Bank, the Second Bank and the Third Bank based on the priority of their respective intentions in the two items of service evaluation and distance from home.

[0054] In Case 2, the first bank, the second bank, and the third bank have the corresponding intention priorities in the service evaluation project as "A", "B", and "C" respectively; and the corresponding intention priorities in the distance from home project as "C", "A", and "B" respectively. That is, the intention priorities of the first bank are "A" and "C", the intention priorities of the second bank are "B" and "A", and the intention priorities of the third bank are "C" and "B". Among them, the comprehensive priority of "B" and "A" is the highest, the comprehensive priority of "A" and "C" is the second, and the comprehensive priority of "C" and "B" is the lowest. Therefore, the first bank and the second bank are selected as the recommended investors.

[0055] In summary, the loan matching method M100 provided by the present disclosure can obtain multiple investors to be selected from multiple investors according to the qualification information provided by the customer, and obtain the intention priority of each investor to be selected in each intended project according to the intended project in the loan intention information provided by the customer, so as to select the recommended investor according to the priority order of the intention priority. In this way, the recommended investor can be recommended based on the consideration of the user's loan intention and using relatively standardized recommendation standards, so as to obtain the optimal recommendation plan efficiently and quickly.

[0056] In an optional implementation, step S150 includes: step S151, step S152 and step S153.

[0057] S151: In response to the first selection instruction, a preferred intended project among a plurality of intended projects is obtained, and the priority converted from the investor data corresponding to the preferred intended project is the preferred intended priority.

[0058] S152: Sort the multiple investors to be selected according to the priority order of the first choice intentions corresponding to the multiple investors to be selected, and obtain a recommended investor sequence.

[0059] S153: In response to the second selection instruction, a recommended investor is selected from the recommended investor sequence.

[0060] The preferred project represents the project that the loan customer considers most when selecting a funder. For example, if the loan customer gives priority to the funder closest to his home, he can select the project closest to his home as the preferred project.

[0061] In one example, the multiple intended projects extracted in step S120 can be displayed on the loan matching page, and the loan customer can select one of the intended projects as the preferred intended project from the multiple intended projects on the loan matching page. For example, the loan customer selects one of the multiple intended projects in the drop-down list as the preferred intended project. The instruction to select the preferred intended project on the loan matching page is the first selection instruction.

[0062] In another example, a loan customer may input a preferred item of interest in a loan matching page. After the preferred item of interest is input, the server generates a first selection instruction, indicating that the preferred item of interest input by the user is a preferred item of interest among multiple items of interest.

[0063] The recommended investor sequence is a set of multiple investors to be selected arranged in order, and the order of sorting is the priority order of the preferred intention priority corresponding to each of the multiple investors to be selected. For example, the investors to be selected are the first bank, the second bank and the third bank, and the service evaluation project is selected as the preferred intention project, then the priorities obtained by converting the service evaluation data of the first bank, the service evaluation data of the second bank and the service evaluation data of the third bank are the preferred intention priorities corresponding to the first bank, the second bank and the third bank respectively. Assuming that the preferred intention priorities corresponding to the first bank, the second bank and the third bank in the service evaluation project are "A", "B" and "C" respectively, that is, the priority order of the preferred intention priority "A" of the first bank is the first, the priority order of the preferred intention priority "B" of the second bank is the second, and the priority order of the preferred intention priority "C" of the third bank is the last, then in the recommended investor sequence, the order of the investors to be selected is the first bank, the second bank and the third bank.

[0064] In addition, in other embodiments, the preferred intention item may also be selected as a loan timeliness item, a distance from home item, or other configured items, etc. Assuming that the loan timeliness item is selected as the preferred intention item, the loan timeliness data of the first bank, the second bank, and the third bank are converted into the preferred intention priority for comparison, and the order of the first bank, the second bank, and the third bank in the investor sequence is obtained based on the size of the preferred intention priority obtained by converting the loan timeliness data. Similarly, assuming that the distance from home item is selected as the preferred intention item, the distance from home data of the first bank, the second bank, and the third bank are converted into the preferred intention priority for comparison, and the order of the first bank, the second bank, and the third bank in the investor sequence is obtained based on the size of the preferred intention priority obtained by converting the distance from home data.

[0065] The second selection instruction is used to specify a recommended investor in the recommended investor sequence. The number of the specified recommended investors is not limited, for example, 1, 2, 3, 4, 5 or more recommended investors may be specified.

[0066] In one example, the recommended investor sequence is displayed on the loan matching page, and the loan customer can select one or more investors to be selected from the recommended investor sequence displayed on the loan matching page as recommended investors. The instruction to select one or more investors to be selected from the recommended investor sequence on the loan matching page is the second selection instruction.

[0067] In an optional implementation, step S150 includes: step S151, step S152 and step S154. That is, step S153 is replaced by step S154.

[0068] S154: Select the first investor to be selected in the recommended investor sequence to obtain a recommended investor.

[0069] Step S154 does not need to respond to the instruction input by the loan customer on the loan matching page, but selects the recommended investor according to the selection rule. The selection rule is to select the first investor to be selected in the recommended investor sequence as the recommended investor. In this way, the recommended investor obtained is the investor with the highest priority in the preferred intended project, so that the recommended investor obtained best meets the expected needs of the loan customer in the preferred intended project.

[0070] In an optional implementation, the loan matching method M100 further includes step S160, step S170 and step S180.

[0071] S160: Obtaining advantageous intended projects corresponding to the investor to be selected. Advantageous intended projects are intended projects with one or more intended priorities having the highest priority among multiple intended priorities corresponding to the investor to be selected.

[0072] S170: Obtain the advantage label corresponding to the advantage intention project.

[0073] S180: Outputting a list of investors to be selected, where the list of investors to be selected includes a plurality of investors to be selected and advantage labels corresponding to each investor to be selected.

[0074] For example, the multiple intention projects are the service evaluation, distance from home and loan time limit of the investor. The intention priorities obtained by converting the service evaluation data, distance from home data and loan time limit data of the First Bank are "A", "B" and "C" respectively. Among them, the intention priority "A" is the one with the highest priority, then the service evaluation project corresponding to the intention priority "A" is the superior intention project corresponding to the First Bank. If the intention priorities obtained by converting the service evaluation data, distance from home data and loan time limit data of the First Bank are "B", "B" and "C" respectively, and the intention priority "B" is the one with the highest priority, then the service evaluation project and distance from home project corresponding to the intention priority "B" are both the superior intention projects corresponding to the First Bank.

[0075] Advantage labels are used to describe the advantages of advantageous intended projects. In one example, the advantage label describes the numerical size (high / low / how much) of the investor data corresponding to the advantageous intended project. Specifically, if when the investor data is converted into the intention priority, the larger the investor data is, the higher the converted intention priority is, then when the intended project corresponding to the investor data is an advantageous intended project, the advantage label describes that the investor data corresponding to the advantageous intended project has the advantage of a large numerical value; if the smaller the investor data is, the higher the converted intention priority is, then when the intended project corresponding to the investor data is an advantageous intended project, the advantage label describes that the investor data corresponding to the advantageous intended project has the advantage of a small numerical value.

[0076] For example, if the preferred project is a service evaluation project, the higher the service evaluation of the investor (for example, the more positive reviews), the higher the converted priority. Therefore, if the service evaluation project is a preferred project, the corresponding preferred label can be "good service".

[0077] For example, if the preferred project is the distance from home project, the smaller (closer) the distance from home of the investor is, the higher the converted priority will be. Therefore, if the distance from home project is the preferred project, the corresponding advantage label can be "short distance".

[0078] See also Figure 4In step S180, the output list of investors to be selected can be displayed on the loan matching page. In this way, the loan customer can intuitively see multiple investors to be selected and the advantage labels of each investor to be selected, which is convenient for the user to select investors based on the labels.

[0079] In an optional implementation, step S150 includes: step S151, step S155 and step S156. Step S151 is the step of obtaining the preferred intended item described above, which will not be described in detail here.

[0080] S155: Filter out a plurality of preferred investors from the list of investors to be selected, wherein the preferred preferred projects corresponding to the preferred investors include the preferred preferred projects.

[0081] S156: In response to the third selection instruction, a recommended investor is selected from a plurality of preferred investors.

[0082] The third selection instruction is used to specify a recommended investor in the list of investors to be selected. The number of the specified recommended investors is not limited, for example, 1, 2, 3, 4, 5 or more recommended investors can be specified.

[0083] The preferred investor is an investor whose corresponding advantageous intention project has an intersection with the preferred intention project. For example, suppose that the first bank, the second bank, the third bank and the fourth bank are the investors to be selected. Among them, the advantageous intention projects of the first bank are the loan timeliness project and the service evaluation project; the advantageous intention projects of the second bank are the loan timeliness project and the distance from home project; the advantageous intention project of the third bank is the service evaluation project; and the advantageous intention project of the fourth bank is the loan timeliness project. If the preferred intention project is the loan timeliness project, since the advantageous intention projects of the first bank, the second bank and the fourth bank include the loan timeliness project, the first bank, the second bank and the fourth bank are selected as the preferred investors.

[0084] In one example, the selected preferred investors and the advantage tags corresponding to the preferred investors are displayed on the loan matching page. The loan customer can enter a third selection instruction on the loan matching page to select a recommended investor from multiple preferred investors.

[0085] In an optional implementation, step S150 includes: step S151, step S155 and step S157. That is, step S156 is replaced by step S157.

[0086] S157: Select the preferred investor with the highest priority in the corresponding preferred intention priority to obtain the recommended investor.

[0087] Step S157 does not need to respond to the instruction input by the loan customer on the loan matching page, but selects the recommended investor according to the selection rule. The selection rule is that the preferred investor with the highest priority in the preferred intention priority is the recommended investor. In this way, the recommended investor is the investor with the highest priority in the preferred intention project, so that the recommended investor can best meet the expected needs of the loan customer in the preferred intention project.

[0088] In an optional implementation, the intended priority includes an intended priority score, and the intended priority score from large to small corresponds to the priority order from front to back. That is, the investor data corresponding to the intended project can be converted into a priority score by calculating the score, and the priority order is represented by the size of the priority score. The larger the priority score, the higher the priority order.

[0089] In an optional implementation, step S140 specifically includes: mapping the investor data to a priority score through a mapping formula corresponding to the intended project to obtain the intended priority score, wherein the mapping formula represents a mapping relationship between the investor data and the priority score.

[0090] In one example, the mapping formula may be to linearly map the funder data to the priority score. For example, when converting the distance from home data to the priority score, each kilometer of distance is mapped to 1 point.

[0091] In another example, the mapping formula may be to map the numerical interval of the investor data to the priority score corresponding to the interval. For example, when converting the loan time data into the priority score, if the loan time data is less than or equal to 3 days, it is mapped to 3 points; if the loan time data is greater than 3 days and less than or equal to 7 days, it is mapped to 2 points; if the loan time data is greater than 7 days and less than or equal to 15 days, it is mapped to 1 point; if the loan time data is greater than 15 days, it is mapped to 0 points.

[0092] In one example, multiple priority scores corresponding to the same investor are normalized to facilitate the evaluation of the priority order between the respective intention priorities of different intended projects of the same investor. For example, the investors to be selected are the first bank and the second bank. The priority score of the service evaluation project of the first bank is 10 points, and the priority score of the loan timeliness project of the first bank is 3 points; the priority score of the service evaluation project of the second bank is 20 points, and the priority score of the loan timeliness project of the second bank is 2 points. Then the priority scores of the service evaluation project of the first bank and the priority scores of the service evaluation project of the second bank are normalized, and the normalized priority score of the service evaluation project of the first bank is 0.5 points, and the normalized priority score of the service evaluation project of the second bank is 1.0 points; and the priority scores of the loan timeliness project of the first bank and the priority scores of the loan timeliness project of the second bank are normalized, and the normalized priority score of the loan timeliness project of the first bank is 1.0 points, and the normalized priority score of the loan timeliness project of the second bank is 0.75 points. Thus, among the multiple priority scores of the first bank, 1.0 is greater than 0.5, and it can be obtained that the priority of the loan timeliness project of the first bank is before the priority of the service evaluation project of the first bank. Thus, if the advantage project of the first bank is determined at this time, the loan timeliness project of the first bank can be determined as the advantage project.

[0093] In an optional implementation, step S150 includes step S158 and step S159.

[0094] Step S158: Calculate the sum of the priority scores of the selected investors corresponding to each intended project, and obtain the total priority scores of the selected investors.

[0095] Step S159: Select one or more investors with the highest corresponding priority score sum to obtain recommended investors.

[0096] Among them, the priority scores of the selected investors in each intended project are the priority scores obtained after normalization. In this way, it can be ensured that the weights of the priority scores of each intended project are the same.

[0097] The sum of the priority scores can reflect the overall priority of investors in each intended project. The methods of selecting recommended investors based on advantage labels and preferred intention priorities mentioned above can focus on selecting recommended investors for preferred intended projects. Compared with the methods of selecting recommended investors based on advantage labels and preferred intention priorities mentioned above, the method of selecting recommended investors based on the sum of the highest priority scores focuses on considering the comprehensive priority of each intended project. Different methods can be configured according to needs to obtain recommended investors.

[0098] In an optional implementation, the loan matching method M100 further includes step S190.

[0099] Step S190: Send loan application information to the recommended investor.

[0100] In one example, the loan matching method M100 can generate a loan application document using an application document template based on the customer qualification information and loan intention information provided by the loan customer, and send the loan application document to the recommended investor.

[0101] In an optional implementation, the loan matching method of the present disclosure further includes steps S1910 to S1920.

[0102] S1910: Generate a proposal based on the recommended investor’s customer qualification information and loan intention information; S1920: Match the target employee account based on the proposal, send a dispatch notification to the target employee account, and receive a feedback notification from the target employee account.

[0103] Among them, the information contained in the proposal includes the recommended investors, customer qualification information and loan intention information, so that the target employees can grasp the information of the investors and customers of this business.

[0104] The target employee account is matched based on the proposal. Specifically, the geographical location of the investor in the proposal can be used to match the account of the target employee (such as an account manager) whose operation scope includes the geographical location, and a dispatch notification is sent to the target employee account.

[0105] Specifically, in an optional implementation, step S1920 includes two execution schemes: step S1920A and step S1920B. Step S1920A includes steps S1921A to S1923A.

[0106] S1921A: Acquire multiple employee accounts to be selected, each of which corresponds to at least one registered investor; S1922A: Screen multiple candidate employee accounts, and determine the candidate employee accounts of corresponding registered investors including recommended investors as target employee accounts; S1923A: In response to the target employee account not being screened out, based on the registered investors corresponding to the employee account to be selected, modify the recommended investors in the proposal.

[0107] The candidate employee account is the account of the employee who is responsible for executing the loan signing of the intermediary (such as the trading platform). The candidate employee account can exchange information with the intermediary's network platform.

[0108] The registered investors corresponding to the candidate employee account refer to the registered investors included in the job scope of the candidate employee. For example, if a candidate employee is responsible for the loan signing job of the registered investors in Chaoyang District, then the candidate employee corresponds to the registered investors in Chaoyang District.

[0109] For the selected recommended investors, the intermediary's network platform selects the corresponding registered investors, including the recommended investors' candidates as target employees, and executes the loan signing operation.

[0110] For example, assuming that the recommended investors include Bank A and Bank B, the registered investors corresponding to the account of the candidate employee Xiao Wang include Bank A and Bank C, the registered investors corresponding to the account of the candidate employee Xiao Li include Bank B and Bank D, and the registered investors corresponding to the account of the candidate employee Xiao Liu include Bank E and Bank F, then the accounts of the candidate employees Xiao Li and Xiao Liu are determined as target employee accounts.

[0111] In response to the target employee account not being screened out, that is, when the target employee account is not screened out, the job scope of the current employee to be selected does not include the recommended investor. In order to avoid no employee performing the loan signing operation, it is necessary to modify the recommended investor in the proposal based on the registered investor corresponding to the current employee account to be selected, so that the recommended investor in the proposal can correspond to the corresponding employee to be selected to perform the loan signing operation.

[0112] For example, when calculating the recommended investors, the results obtained include the recommended investors of the first and second schemes, and the recommended investors in the current proposal are the recommended investors included in the first scheme. When the target employee account cannot be screened out based on the recommended investors included in the first scheme in the proposal, the recommended investors in the proposal are modified to the recommended investors included in the second scheme according to the priority of the recommended investors, and the target employee account is screened based on the recommended investors included in the second scheme.

[0113] In one example, each target employee whose work scope includes the geographical location of the investor in the proposal will receive an order dispatch notification, and will receive different feedback notifications depending on whether the target employee accepts the order.

[0114] Specifically, in an optional implementation, another implementation scheme of step S1920 is step S1920B, and step S1920B includes steps S1921B to S1924B.

[0115] S1921B: Send an order dispatch notification to the target employee account and monitor the target employee account's feedback notifications, which include order acceptance notifications, order transfer notifications, and order return notifications. S1922B: In response to receiving the order acceptance notification, transmitting the proposal to the target employee account; S1923B: and / or, in response to receiving the order transfer notification, obtaining the order transfer employee account based on the order transfer notification, modifying the recommended investor in the proposal based on the registered investor corresponding to the order transfer employee account, and transmitting the modified proposal to the order transfer employee account; S1924B: and / or, in response to receiving the return notification, removing the target employee account that issued the return notification from the target employee account list, obtaining an updated target employee account list, and regenerating a proposal based on the updated target employee account list.

[0116] Among them, the feedback notification of the target employee account can be any one of an order acceptance notification, an order transfer notification and an order return notification. Correspondingly, the loan matching method M100 disclosed in the present invention can respond to any feedback notification and perform corresponding task processing. Specifically, whether an order acceptance notification or an order transfer notification is received does not affect the task processing in response to the receipt of the order return notification in step S1924B, and is not a prerequisite for performing the corresponding task processing in response to the receipt of the order return notification in step S1924B. Similarly, whether an order transfer notification or an order return notification is received does not affect the task processing in response to the receipt of the order acceptance notification in step S1922B. Whether an order acceptance notification or an order return notification is received does not affect the task processing in response to the receipt of the order transfer notification in step S1923B.

[0117] In one example, the intermediary's network platform prioritizes the target employee accounts according to screening factors such as whether the face-to-face interview task can be accepted at present, whether the scope of work includes the expected face-to-face interview location of the customer, and whether the predicted processing time is guaranteed, and sends out dispatch notifications in batches according to the priority ranking of the target employee accounts. For example, a dispatch notification is first sent to the target employee account with the first priority level. If the target employee account with the first priority level does not have an order notification feedback, a dispatch notification is sent to the target employee account with the second priority level in order, and so on.

[0118] After receiving the dispatch notification, the target employee can choose to accept the order or refuse to accept the order. If the target employee chooses to accept the order, the order acceptance notification is sent to the intermediary's network platform. In response to receiving the order acceptance notification, the intermediary's network platform transmits the proposal to the target employee's account. If the target employee chooses to refuse to accept the order, a refusal notification is sent to the intermediary's network platform. If the target employee has accepted the order, a transfer notification can also be sent to the intermediary's network platform to transfer the order signing task that has been accepted to other target employees for execution. And, if the target employee has accepted the order, a return notification can also be sent to the intermediary's network platform to cancel the order signing task that he has already undertaken.

[0119] The transfer notification contains the employee account that accepts the transfer task, which is called the transfer employee account. When the intermediary's network platform receives the transfer notification, in response to receiving the transfer notification, the recommended investor in the proposal is modified based on the registered investor corresponding to the transfer employee account, and the modified proposal is transmitted to the transfer employee account. In this way, it can ensure that the recommended investor in the proposal received by the transfer employee is the investor within his or her scope of work.

[0120] When the intermediary's network platform receives a return order notification, in response to receiving the return order notification, the employee account that returned the order is removed from the target employee account list, an updated target employee account list is obtained based on the remaining target employee accounts, and a proposal is regenerated based on the updated target employee account list to avoid the situation in which the recommended investor only corresponds to the employee account that returned the order, and the corresponding target employee of the recommended investor cannot be found. For example, in the target employee account list, only employee Xiao Li's work scope includes Bank A. If employee Xiao Li returns the order after receiving the order, Xiao Li's employee account is removed from the target employee account list, and Bank A is removed from the proposal to avoid the situation in which Bank A is used as a recommended investor but the corresponding target employee cannot be found for processing.

[0121] In one example, in order to prevent the target employee from receiving duplicate orders, an idempotence check is used to receive feedback notifications from the employee account.

[0122] In one example, the message transmission between the intermediary's network platform and the target employee account, as well as the message transmission between various business systems in the intermediary's network platform, can be transmitted based on the Kafka message system to prevent the intermediary's network platform services from calling each other.

[0123] In an optional implementation, the loan matching method M100 further includes: obtaining the loan application approval result of the recommended investor, and transmitting the loan application approval result to the target employee account.

[0124] For example, the intermediary's network platform is connected to the systems of investors such as banks and enterprises. After the target employee performs the task of recommending the investor's loan application, when the loan application is approved, the investor's system will send the loan approval result to the intermediary's network platform. The intermediary's network platform will transmit the loan application approval result to the target employee's account, so as to promptly remind the target employee to carry out subsequent work.

[0125] Based on any of the above embodiments, the present disclosure further provides an electronic device 1000, which can execute the loan matching method M100 of any of the embodiments described above in the present disclosure.

[0126] See also Figure 5 , Figure 5 1 shows a block diagram of the structure of an electronic device 1000 of an embodiment of the present disclosure. The hardware structure of the electronic device 1000 can be implemented using a bus architecture. The bus architecture may include any number of interconnected buses and bridges, depending on the specific application and overall design constraints of the hardware. The bus 1100 connects various circuits including one or more processors 1200, memory 1300 and / or hardware modules together. The bus 1100 may also connect various other circuits 1400 such as peripherals, voltage regulators, power management circuits, external antennas, etc.

[0127] The bus 1100 may be an Industry Standard Architecture (ISA) bus, a Peripheral Component Interconnect (PCI) bus, or an Extended Industry Standard Component (EISA) bus, etc. The bus may be divided into an address bus, a data bus, a control bus, etc. For ease of representation, the figure only uses one connecting line, but does not mean that there is only one bus or one type of bus.

[0128] The electronic device 1000 also includes a plurality of computer program modules, specifically including: The data collection module 1002 is used to obtain customer qualification information and loan intention information.

[0129] The condition matching module 1004 is used to match the investment conditions of multiple investors with the customer qualification information to obtain multiple investors to be selected, and the investment conditions of the investors to be selected match the customer qualification information.

[0130] The intention extraction module 1006 is used to extract multiple intention items from the loan intention information, each intention item corresponding to an item of investor data.

[0131] The priority calculation module 1008 is used to convert various investor data of the investor to be selected into priorities respectively, and obtain the intended priority of the investor to be selected corresponding to each intended project.

[0132] The recommendation module 1010 is used to select a recommended investor from among the multiple investors to be selected according to the priority order of the intention priorities corresponding to the multiple investors to be selected in at least one intended project.

[0133] Please combine Figure 6 In an optional implementation, the electronic device 1000 further includes: a bank information collection module 1018 , a proposal module 1012 , an order dispatching module 1014 and a bank-enterprise direct connection module 1016 .

[0134] The bank information collection module 1018 is used to store the collected information of the investor (such as bank information). The investor information is also the investor data, including loan policy information, loan time information, customer feedback information, etc. For example, the business personnel obtain loan policy information through offline collection and enter the collected loan policy information into the bank information collection module 1018. The bank information collection module 1018 can realize the online configuration of the loan policy of the bank (i.e., the investor, the same below) by combining the online reporting requirements.

[0135] The proposal module 1012 is used to collect information such as the customer's qualification information and loan intention information, which can be integrated into a customer form for storage. On the other hand, it is used to formulate a loan proposal based on the customer's qualification information and loan intention information, combined with the recommended bank obtained by the recommendation module 1010.

[0136] The dispatch module 1014 is used to match target employees and assign target employees (such as account managers) to complete the signing of loan contracts based on the loan proposal. For example, the dispatch module 1014 generates a corresponding loan signing order based on the loan proposal, assigns the loan signing order to the account managers in the selected range for signing processing, and the account manager who responds the fastest receives the order to process the offline signing order and conducts offline signing with the customer / bank. After completing the signing order, the account manager initiates a loan application to the bank.

[0137] The bank-enterprise direct connection module 1016 is used to connect to the bank's system and can receive various notifications from the bank's system. For example, when the bank-enterprise direct connection module 1016 receives the approval result of the bank's loan application, it sends a reminder to the corresponding customer and account manager.

[0138] See also Figure 6 , in a loan matching process: The input parameters of the data collection module 1002 include the customer forms (including customer qualification information and loan intention information) collected by the proposal module 1012 and the bank information (investor information) stored by the bank information collection module 1018. The output parameters include the collected customer forms and bank information.

[0139] The input parameters of the condition matching module 1004 include the customer form and bank information collected by the data collection module 1002. The condition matching module 1004 matches the customer form and bank information to screen out the banks to be selected. The output parameters of the condition matching module 1004 include the banks to be selected.

[0140] The input parameter of the intention extraction module 1006 includes the customer form collected by the data collection module 1002. The intention extraction module 1006 extracts the customer's intention items from the customer form. The output parameter of the intention extraction module 1006 includes the intention items.

[0141] The input parameters of the priority calculation module 1008 include the candidate banks collected by the data collection module 1002 and the intended items output by the intention extraction module 1006. The priority calculation module 1008 converts the bank information of the candidate banks in the intended items into priority to obtain the intended priority of the candidate banks. The output parameters of the priority calculation module 1008 include the candidate banks and the intended priorities of the candidate banks.

[0142] The input parameters of the recommendation module 1010 include the candidate banks and the intended priorities of the candidate banks output by the priority calculation module 1008. The recommendation module 1010 selects the recommended bank from the candidate banks according to the priority order of the recommended priorities. The output parameters of the recommendation module 1010 include the recommended bank.

[0143] When generating a proposal, the proposal module 1012 takes as input the recommended bank output by the recommendation module 1010 and the corresponding information of the investor such as the loanable period, monthly payment, cash flow requirements, etc. The output of the proposal module 1012 includes the proposal, which includes the selection of the intended bank (i.e., the target loan bank) from the recommended banks. In one example, after the contract manager communicates with the client owner, the target loan bank is selected, and the target loan bank is filled in the proposal, and the loan proposal including the qualification information and the final loan bank is completed and uploaded to the proposal module 1012.

[0144] The input parameters of the dispatch module 1014 include the proposal provided by the proposal module 1012, which includes the selected target loan bank. The output parameters of the dispatch module 1014 include the information of the account manager (i.e., the target employee) who handles the face-to-face interview or the loan application information. The dispatch module 1014 matches the account manager who performs the face-to-face interview task according to the set screening scheme. The set screening scheme includes screening the account manager based on factors such as whether the face-to-face interview task can be accepted at present, whether the scope of work includes the customer's expected face-to-face interview location, and whether the predicted processing time is guaranteed, and dispatches the order notification in batches from high to low according to the screening priority. After the account manager accepts the order, the dispatch ends, and the relevant stakeholders are notified to determine the face-to-face interview location, face-to-face interview bank, face-to-face interview time, bank account manager and other loan signing related information.

[0145] The input parameters of the bank-enterprise direct connection module 1016 include the loan application information filled in by the account manager or the contract manager, and the output parameters include the bank's loan application approval results. The bank-enterprise direct connection module 1016 formats the loan application information through the agreed field format with the bank, calls the bank's software system for transmission, and returns the approval results when the internal approval of the bank's software system is completed, and notifies relevant stakeholders of the loan application approval results and subsequent work matters. In summary, the electronic device 1000 disclosed in the present invention can calculate the priority of the bank based on the bank's tag data, recommend banks with higher priorities as recommended banks to the client, and can make intelligent recommendations based on the bank's objective conditions. Compared with the method of manually recommending loan banks, it can avoid subjective factors in the recommendation results, and can save manpower and material resources for training employees who recommend loan banks.

[0146] The embodiments of the present disclosure also provide a computer-readable storage medium, in which execution instructions are stored, and when the execution instructions are executed by a processor, they are used to implement the above-mentioned method. "Readable storage medium" can be any device that can contain, store, communicate, propagate or transmit programs for use in an instruction execution system, device or equipment or in combination with these instruction execution systems, devices or equipment. More specific examples of readable storage media include the following: an electrical connection portion with one or more wirings (electronic device), a portable computer disk box (magnetic device), a random access memory (RAM), a read-only memory ROM), an erasable and editable read-only memory (EPROM or flash memory), an optical fiber device, and a portable read-only memory (CDROM), etc.

[0147] The present disclosure also provides a computer program product. The method of the present disclosure can be implemented in whole or in part by software, hardware, firmware, or any combination thereof. When implemented using software, it can be implemented in whole or in part in the form of a computer program product. The computer program product includes one or more computer programs or instructions. When the computer program or instruction is loaded and executed, the process or function of the present disclosure is executed in whole or in part.

[0148] The method in the embodiment of the present disclosure can be implemented in whole or in part by software, hardware, firmware or any combination thereof. When implemented using software, it can be implemented in whole or in part in the form of a computer program product. The computer program product includes one or more computer programs or instructions. When the computer program or instruction is loaded and executed on a computer, the process or function of the present application is executed in whole or in part. The computer can be a general-purpose computer, a special-purpose computer, a computer network, a network device, a user device, a core network device, an OAM or other programmable device.

[0149] A computer program or instruction may be stored in a computer-readable storage medium or transmitted from one computer-readable storage medium to another computer-readable storage medium, for example, a computer program or instruction may be transmitted from one website, computer, server or data center to another website, computer, server or data center by wired or wireless means. A computer-readable storage medium may be any available medium that a computer can access or a data storage device such as a server or data center that integrates one or more available media. Available media may be magnetic media, such as a floppy disk, hard disk, or magnetic tape; may also be optical media, such as a digital video disk; or may be semiconductor media, such as a solid-state drive. The computer-readable storage medium may be a volatile or non-volatile storage medium, or may include both volatile and non-volatile types of storage media.

[0150] In the description of this specification, the description with reference to the terms "one embodiment / method", "some embodiments / methods", "example", "specific example", or "some examples" etc. means that the specific features, structures, materials or characteristics described in conjunction with the embodiment / method or example are included in at least one embodiment / method or example of the present application. In this specification, the schematic representations of the above terms are not necessarily the same embodiment / method or example. Moreover, the specific features, structures, materials or characteristics described may be combined in any one or more embodiments / methods or examples in a suitable manner. In addition, those skilled in the art may combine and combine the different embodiments / methods or examples described in this specification and the features of the different embodiments / methods or examples, unless they are contradictory.

[0151] In addition, the terms "first" and "second" are used for descriptive purposes only and should not be understood as indicating or implying relative importance or implicitly indicating the number of the indicated technical features. Therefore, the features defined as "first" and "second" may explicitly or implicitly include at least one of the features. In the description of this application, the meaning of "plurality" is at least two, such as two, three, etc., unless otherwise clearly and specifically defined.

[0152] Those skilled in the art should understand that the above embodiments are only for the purpose of clearly illustrating the present disclosure, and are not intended to limit the scope of the present disclosure. For those skilled in the art, other changes or modifications may be made based on the above disclosure, and these changes or modifications are still within the scope of the present disclosure.

Claims

1. A loan matching method, characterized in that: include: Obtain customer qualification information and loan intention information; Matching the investment conditions of multiple investors with the customer qualification information to obtain multiple investors to be selected, wherein the investment conditions of the investors to be selected match the customer qualification information; Extracting multiple intended items from the loan intention information, each of the intended items corresponding to one piece of investor data; Converting each item of the investor data of the investor to be selected into a priority, respectively, to obtain the intended priority of the investor to be selected corresponding to each intended project; and A recommended investor is selected from the multiple investors to be selected according to the priority order of the intention priorities corresponding to each of the multiple investors to be selected in at least one of the intended projects.

2. The loan matching method according to claim 1, characterized in that: Selecting a recommended investor from the multiple investors to be selected according to the priority order of the intention priorities corresponding to the multiple investors to be selected in at least one of the intended projects includes: In response to the first selection instruction, a preferred intended project among the plurality of intended projects is obtained, and the priority converted from the investor data corresponding to the preferred intended project is the preferred intended priority; Sorting the multiple investors to be selected according to the priority order of the preferred intention priorities corresponding to the multiple investors to be selected, to obtain a recommended investor sequence; In response to a second selection instruction, selecting the recommended investor from the recommended investor sequence; or The first investor to be selected in the recommended investor sequence is selected to obtain the recommended investor.

3. The loan matching method according to claim 1, characterized in that: Also includes: Obtaining the preferred projects corresponding to the investor to be selected, wherein the preferred projects are the preferred projects with the highest priority among the plurality of preferred priorities corresponding to the investor to be selected; Obtaining the advantage label corresponding to the advantage intention project; as well as Outputting a list of investors to be selected, the list of investors to be selected including a plurality of investors to be selected and the advantage labels corresponding to the investors to be selected.

4. The loan matching method according to claim 3, characterized in that: Selecting a recommended investor from the multiple investors to be selected according to the priority order of the intention priorities corresponding to the multiple investors to be selected in at least one of the intended projects includes: In response to the first selection instruction, a preferred intended project among the plurality of intended projects is obtained, and the priority converted from the investor data corresponding to the preferred intended project is the preferred intended priority; Screening out a plurality of preferred investors from the list of investors to be selected, wherein the preferred preferred projects corresponding to the preferred investors include the preferred preferred projects; In response to a third selection instruction, selecting the recommended investor from the plurality of preferred investors; or The preferred investor having the highest priority in the corresponding preferred intention priority is selected to obtain the recommended investor.

5. The loan matching method according to any one of claims 1 to 4, characterized in that: The intention priority includes an intention priority score, and the intention priority score corresponds to the order of priority from large to small from front to back; The investor data of the investor to be selected are respectively converted into priorities to obtain the intended priority of the investor to be selected corresponding to each intended project, including: The investor data is mapped to a priority score through a mapping formula corresponding to the intended project to obtain the intended priority score, wherein the mapping formula represents a mapping relationship between the investor data and the priority score.

6. The loan matching method according to claim 1, characterized in that: The intention priority includes an intention priority score, and the intention priority score corresponds to the order of priority from first to last from large to small; Selecting a recommended investor from the multiple investors to be selected according to the priority order of the intention priorities corresponding to the multiple investors to be selected in at least one of the intended projects includes: Calculating the sum of the intended priority scores of the candidate investors corresponding to the respective intended projects, to obtain the sum of the priority scores corresponding to the candidate investors; and One or more of the candidate investors with the highest corresponding priority score sum are selected to obtain recommended investors.

7. The loan matching method according to claim 1, characterized in that: Also includes: Sending loan application information to the recommended investor.

8. The loan matching method according to claim 1, characterized in that: Also includes: Generate a proposal based on the recommended investor, the customer qualification information and the loan intention information; as well as A target employee account is matched based on the proposal, a dispatch notification is sent to the target employee account, and a feedback notification from the target employee account is received.

9. The loan matching method according to claim 8, characterized in that: Matching a target employee account based on the proposal, sending a dispatch notification to the target employee account, and receiving a feedback notification from the target employee account, including: Acquire multiple employee accounts to be selected, each of which corresponds to at least one registered investor; Screening the plurality of candidate employee accounts, and determining the candidate employee accounts of the corresponding registered investors including the recommended investors as the target employee accounts; and In response to the target employee account not being screened out, the recommended investor in the proposal is modified based on the registered investor corresponding to the candidate employee account.

10. The loan matching method according to claim 9, characterized in that: Matching a target employee account based on the proposal, sending a dispatch notification to the target employee account, and receiving a feedback notification from the target employee account, including: Sending an order dispatch notification to the target employee account and monitoring the feedback notification of the target employee account, wherein the feedback notification includes an order acceptance notification, an order transfer notification, and an order return notification; In response to receiving the order notification, transmitting the proposal to the target employee account; and / or, In response to receiving the order transfer notification, obtaining the order transfer employee account based on the order transfer notification, modifying the recommended investor in the proposal based on the registered investor corresponding to the order transfer employee account, and transmitting the modified proposal to the order transfer employee account; and / or, In response to receiving the return notification, the target employee account that issued the return notification is removed from the target employee account list, an updated target employee account list is obtained, and the proposal is regenerated based on the updated target employee account list.

11. The loan matching method according to claim 10, characterized in that: Also includes: The loan application approval result of the recommended investor is obtained, and the loan application approval result is transmitted to the target employee account.

12. The loan matching method according to claim 1, characterized in that: The investor data includes at least one of geographic location data, loan policy data, loan timeliness data, and customer feedback data.

13. An electronic device, characterized in that: include: A memory storing execution instructions; as well as A processor, wherein the processor executes the execution instructions stored in the memory, so that the processor executes the loan matching method according to any one of claims 1 to 12.

14. A readable storage medium, characterized in that: The readable storage medium stores execution instructions, which are used to implement the loan matching method according to any one of claims 1 to 12 when executed by a processor.

15. A computer program product comprising a computer program, characterized in that When the computer program is executed by a processor, the loan matching method according to any one of claims 1 to 12 is implemented.

Images