Credit line approval method and device, equipment, storage medium and product

Abstract

The embodiment of the invention provides a credit line approval method and device, equipment, a storage medium and a product. Comprising the following steps: receiving basic information of a target customer sent by a client; primary screening is carried out on the basic information according to the credit blacklist, and whether the target client exists in the credit blacklist or not is judged; if the target customer is not in the credit blacklist, performing secondary screening on the credit information according to a preset priority sequence, and judging whether the target customer contains a high-risk interception item or not; if the target client does not contain the high-risk interception item, sending an application information filling prompt to the client; according to a preset reference condition, judging whether the application information meets a self-batch credit granting condition or not; if the application information meets the self-batch credit granting condition, obtaining the limit upper limit and the financial score of the target customer; and determining the credit line of the target customer according to the limit upper limit and the financial score of the target customer. The method is used for achieving the effect of improving the credit line approval efficiency.

Description

Technical Field

[0001] The present application relates to the field of computer technology, and in particular to a credit line approval method, device, equipment, storage medium and product. Background Art

[0002] Credit refers to a financial institution granting a certain credit line or loan amount to a borrower based on factors such as the borrower's credit status, financial status, repayment ability, etc. In the modern financial system, the determination of credit lines is an important part of risk management and customer service for banks and other financial institutions.

[0003] In the prior art, after a customer submits a credit line application to a financial institution, the system sends the application information to approval personnel at different levels, who review the application step by step and ultimately make a credit decision which is fed back to the customer.

[0004] However, this level-by-level approval method requires each level of approval to wait until the previous level of approval is completed before it can proceed. The entire process is time-consuming and highly subjective. Summary of the invention

[0005] The embodiments of the present application provide a credit line approval method, device, equipment, storage medium and product to improve the efficiency of credit line approval.

[0006] In a first aspect, an embodiment of the present application provides a credit line approval method, which is applied to a service device, including:

[0007] Receive a credit line approval request sent by a client, wherein the credit line approval request includes basic information of a target customer; screen the basic information once according to a pre-stored credit blacklist to determine whether the target customer exists in the credit blacklist; if the target customer does not exist in the credit blacklist, query the credit information of the target customer, and screen the credit information twice according to a preset priority order to determine whether the target customer includes a high-risk interception item; if the target customer does not include a high-risk interception item, send an application information filling prompt to the client; receive the application information sent by the client; determine whether the application information meets the self-approval credit conditions according to preset reference conditions; if the application information meets the self-approval credit conditions, obtain the upper limit and financial score of the target customer; determine the credit line of the target customer according to the upper limit and financial score of the target customer; send the credit line to the client.

[0008] In one possible implementation, the application information includes the application amount and the net assets; accordingly, the target customer's credit line is determined according to the upper limit and financial score of the target customer, including: obtaining the unused balance in the upper limit of the target customer; if the balance is not less than the application amount, determining that the target customer's credit line is equal to the application amount; if the target customer has no upper limit, determining whether the target customer's financial score is not less than a preset score; if the target customer's financial score is not less than the preset score, determining that the target customer's credit line is equal to the application amount; if the target customer's financial score is less than the preset score, obtaining the target customer's debt-to-asset ratio, and determining whether the debt-to-asset ratio is lower than a first preset rate value; if the debt-to-asset ratio is lower than the first preset rate value, determining the minimum value between the application amount and the first preset ratio of net assets as the target customer's credit line; if the debt-to-asset ratio is not lower than the first preset rate value, determining the minimum value between the application amount and the second preset ratio of net assets as the target customer's credit line.

[0009] In one possible implementation, the credit information includes business registration status, industry category, and financial indicators; accordingly, the credit information is screened for the second time in a preset priority order to determine whether the target customer contains high-risk interception items, including: determining whether the business registration status of the target customer is normal; if the business registration status is abnormal, stopping the screening, and determining that the target customer contains high-risk interception items; if the business registration status is normal, querying the risk factors of the industry category, and determining whether the risk factors belong to high-risk interception items; if the risk factors belong to high-risk interception items, stopping the screening, and determining that the target customer contains high-risk interception items; if the risk factors do not belong to high-risk interception items, analyzing the financial indicators to generate a risk analysis result; if the risk analysis result is good, determining that the target customer does not contain high-risk interception items; if there are multiple high-risk indicators in the risk analysis result, determining that the target customer contains high-risk interception items.

[0010] In one possible implementation, based on preset reference conditions, it is determined whether the application information meets the self-approval credit conditions, including: if the application amount is higher than the preset amount threshold, and the target customer's application type belongs to the low-risk category, then obtaining the target customer's registered capital and net profit margin; determining whether the target customer's registered capital is higher than the preset capital threshold, and the net profit margin is higher than a second preset rate value; if the target customer's registered capital is higher than the preset capital threshold, and the net profit margin is higher than the second preset rate value, then determining that the target customer meets the self-approval credit conditions.

[0011] In one possible implementation, if the target customer meets the self-approval credit conditions, it also includes: obtaining the target customer's debt-to-asset ratio and model score, wherein the model score is calculated in advance based on the target customer's credit risk; determining the target customer's basic credit limit based on the model score and debt-to-asset ratio; comparing the basic credit limit with the unused balance in the upper limit, and determining the smaller value as the limit balance adjusted credit limit; calculating the target customer's credit limit based on the industry underwriting policy limit loss ratio and the limit balance adjusted credit limit.

[0012] In a second aspect, an embodiment of the present application provides a credit line approval device, which is applied to a service device, including:

[0013] The request receiving module is used to receive a credit line approval request sent by a client, wherein the credit line approval request includes basic information of a target customer.

[0014] The primary screening module is used to screen the basic information based on the pre-stored credit blacklist to determine whether the target customer exists in the credit blacklist.

[0015] The secondary screening module is used to query the credit information of the target customer if the target customer does not exist in the credit blacklist, and conduct a secondary screening of the credit information according to the preset priority order to determine whether the target customer contains high-risk interception items.

[0016] The information prompt module is used to send an application information filling prompt to the client if the target customer does not contain high-risk interception items.

[0017] The application information receiving module is used to receive the application information sent by the client.

[0018] The self-approval credit judgment module is used to judge whether the application information meets the self-approval credit conditions based on preset reference conditions.

[0019] The information acquisition module is used to obtain the target customer's credit limit and financial score if the application information meets the self-approval credit conditions.

[0020] The credit limit determination module is used to determine the credit limit of the target customer based on the target customer's upper limit and financial score.

[0021] The credit limit sending module is used to send the credit limit to the client.

[0022] In a third aspect, an embodiment of the present application provides a service device, including: a memory, a processor;

[0023] The memory stores computer-executable instructions;

[0024] The processor executes the computer-executable instructions stored in the memory, so that the processor executes the above first aspect and / or various possible implementations of the first aspect.

[0025] In a fourth aspect, an embodiment of the present application provides a computer-readable storage medium, in which computer-executable instructions are stored. When the computer-executable instructions are executed by a processor, they are used to implement the first aspect above and / or various possible implementations of the first aspect.

[0026] In a fifth aspect, an embodiment of the present application provides a computer program product, including a computer program, which, when executed by a processor, implements the above first aspect and / or various possible implementation methods of the first aspect.

[0027] The credit approval method, device, equipment, storage medium and product provided in the embodiment of the present application receive a credit approval request containing the basic information of the target customer sent by the client, first preliminarily screen the basic information of the target customer according to the pre-stored credit blacklist, if the basic information of the target customer is in the credit blacklist, the approval is not passed, if the basic information of the target customer is no longer in the credit blacklist, then query and obtain the credit information of the target customer, and screen the credit information according to the pre-set priority order, and judge whether there are high-risk interception items in the credit information of the target customer, if the target customer does not include high-risk interception items, then send an application information filling prompt to the client, so that the client sends the application information, judges whether the target customer meets the self-approval credit conditions according to the preset reference conditions, and if it meets the self-approval credit conditions, determines the credit limit of the target customer according to the upper limit and financial score of the target customer. By judging whether the target customer of the client meets the self-approval credit conditions, the credit limit of the target customer can be automatically approved, which can improve the efficiency of credit limit approval and reduce the influence of subjective factors. BRIEF DESCRIPTION OF THE DRAWINGS

[0028] The accompanying drawings, which are incorporated in and constitute a part of this specification, illustrate embodiments consistent with the present application and, together with the description, serve to explain the principles of the present application.

[0029] Figure 1 A schematic diagram of an application scenario of the credit line approval method provided in an embodiment of the present application;

[0030] Figure 2 A flowchart of a credit line approval method provided in an embodiment of the present application;

[0031] Figure 3 A schematic diagram of the structure of a credit line approval device provided in an embodiment of the present application;

[0032] Figure 4A schematic diagram of the structure of the service equipment provided in the embodiment of the present application.

[0033] The above drawings have shown clear embodiments of the present application, which will be described in more detail later. These drawings and text descriptions are not intended to limit the scope of the present application in any way, but to illustrate the concept of the present application to those skilled in the art by referring to specific embodiments. DETAILED DESCRIPTION

[0034] Exemplary embodiments will be described in detail herein, examples of which are shown in the accompanying drawings. When the following description refers to the drawings, unless otherwise indicated, the same numbers in different drawings represent the same or similar elements. The implementations described in the following exemplary embodiments do not represent all implementations consistent with the present application. Instead, they are merely examples of devices and methods consistent with some aspects of the present application as detailed in the appended claims.

[0035] In order to clearly understand the technical solution of the present application, the solution of the prior art is first introduced in detail. In modern financial services, the approval of credit lines is an important link for banks and other financial institutions to provide credit support to customers. The approval process of credit lines usually involves a comprehensive assessment of multiple factors such as the customer's credit status, financial status, and repayment ability. In the traditional method, the customer submits a credit line application to the financial institution, and the application information is entered and stored in the database through the computer system. The system sends the application information to the primary reviewer for preliminary review. The primary reviewer conducts a preliminary assessment of the application based on his own experience and the basic review standards of the institution. After the primary review is passed, the system sends the application information to the intermediate reviewer, who conducts a more detailed review, including the customer's credit history, financial status, etc. After the intermediate review is passed, the system sends the application information to the senior reviewer, who conducts the final review, which usually involves more complex risk assessment and decision-making. The senior reviewer makes the final decision, and the system feeds the results back to the customer. However, each level of approval must wait until the previous level of approval is completed before it can proceed. The whole process is time-consuming, and during the review process, reviewers are often affected by personal experience, emotions, and judgment, resulting in inconsistent approval results and a high degree of subjectivity.

[0036] In view of the above technical problems, the inventors have thought of automatically calculating the credit limit by judging whether the self-approval credit conditions are met when receiving the credit limit approval request sent by the client. Specifically, the credit limit approval request includes the basic information of the target customer. The basic information of the target customer is first preliminarily screened according to the pre-stored credit blacklist. If the basic information of the target customer is in the credit blacklist, the approval is not passed. If the basic information of the target customer is no longer in the credit blacklist, the credit information of the target customer is queried and obtained, and the credit information is screened according to the pre-set priority order to judge whether there are high-risk interception items in the credit information of the target customer. If the target customer does not include high-risk interception items, an application information filling prompt is sent to the client to enable the client to send the application information, and judge whether the target customer meets the self-approval credit conditions according to the preset reference conditions. If the self-approval credit conditions are met, the credit limit of the target customer is determined according to the target customer's limit upper limit and financial score. By judging whether the target customer of the client meets the self-approval credit conditions, the credit limit of the target customer is automatically approved, which can improve the efficiency of credit limit approval and reduce the influence of subjective factors.

[0037] Based on the above creative findings, the inventor proposed the technical solution of the present application.

[0038] Figure 1 This is a schematic diagram of an application scenario of the credit line approval method provided in the embodiment of the present application. Figure 1 As shown, it includes: a service device 101, a database server 102 and a client 103.

[0039] Specifically, the target customer fills in a credit line approval request through the client 103, and the client 103 sends the credit line approval request to the service device 101. After receiving the credit line approval request, the service device 101 extracts the basic information of the target customer, calls the data interface to obtain the credit blacklist pre-stored in the database server 102, and screens the basic information of the target customer according to the credit blacklist to determine whether the target customer exists in the credit blacklist. If the target customer does not exist in the credit blacklist, the credit information of the target customer is queried in the database server 102, and the target customer is selected according to the preset priority. The credit information is screened a second time to determine whether the target customer contains high-risk interception items; if the target customer does not contain high-risk interception items, an application information filling prompt is sent to the client 103, so that the target customer can fill in the application information through the client 103, and the service device 101 receives the application information and determines whether the application information meets the self-approval credit conditions based on the preset reference conditions. If the application information meets the self-approval credit conditions, the upper limit and financial score of the target customer are obtained, and the credit limit of the target customer is determined based on the upper limit and the financial score, and the credit limit is sent to the client 103 to complete the approval of the credit limit.

[0040] The technical solution of the present application and how the technical solution of the present application solves the above-mentioned technical problems are described in detail below with specific embodiments. The following specific embodiments can be combined with each other, and the same or similar concepts or processes may not be repeated in some embodiments. The embodiments of the present application will be described below in conjunction with the accompanying drawings.

[0041] Figure 2 The following is a flow chart of the credit line approval method provided in the embodiment of the present application. Figure 2 As shown, the implementation of the embodiment of the present application is Figure 1 The service device shown may also be other devices with similar functions, and this embodiment is not particularly limited here. The method includes:

[0042] S201: receiving a credit line approval request sent by a client, wherein the credit line approval request includes basic information of a target customer.

[0043] Specifically, the service device receives the basic information of the target customer sent by the client and performs data cleaning on the basic information. First, fill or delete the missing data, detect and process outliers, delete duplicate data records, convert different data into a unified format, and convert data in different units into a unified unit. Verify the pre-processed data to ensure the accuracy and consistency of the data.

[0044] S202: Screening the basic information according to the pre-stored credit blacklist to determine whether the target customer exists in the credit blacklist.

[0045] The credit blacklist includes information about restricted individuals, entities and organizations. Individuals, entities and organizations on the credit blacklist are prohibited from transferring the process downward.

[0046] Specifically, the data interface is called to load the latest credit blacklist from the database server, the basic information of the target customer is screened using a matching algorithm, a screening result is generated, and it is determined whether the target customer exists in the credit blacklist.

[0047] S203: If the target customer does not exist in the credit blacklist, the credit information of the target customer is queried, and the credit information is screened again according to a preset priority order to determine whether the target customer contains a high-risk interception item.

[0048] Among them, credit information includes at least industrial and commercial registration status, industry category and financial indicators.

[0049] Specifically, the credit information is screened twice according to the preset priority order to determine whether the target customer contains high-risk interception items, including steps Sa1~Sa7:

[0050] Sa1: Determine whether the target customer’s business registration status is normal.

[0051] Specifically, the data interface is called to query the enterprise information disclosure platform to query the target customer's industrial and commercial registration status, business scope, annual report information, etc. It is determined whether the target customer's industrial and commercial registration status is normal.

[0052] Sa2: If the business registration status is abnormal, the screening is stopped and the target customer is determined to contain high-risk interception items.

[0053] Specifically, if the industrial and commercial registration status of the target customer shows abnormalities, such as revocation, cancellation or abnormal operation, the target customer is judged to contain high-risk interception items, and screening is stopped, the target customer is prohibited from flowing downward, and manual approval steps are executed.

[0054] Sa3: If the business registration status is normal, query the risk factors of the industry category and determine whether the risk factors belong to high-risk interception items.

[0055] Specifically, if the industrial and commercial registration status is normal, obtain the research report on the industry category, understand the common risk factors of the industry, and obtain industry risk warnings and early warning information issued by the regulatory agency. Compare the queried industry risk factors with the high-risk interception items to determine whether they meet the high-risk interception item conditions.

[0056] Sa4: If the risk factor belongs to the high-risk interception item, the screening is stopped and the target customer is determined to contain the high-risk interception item.

[0057] Specifically, if the risk factors meet the conditions of high-risk interception items, the target customer is determined to contain high-risk interception items, and screening is stopped, the target customer is prohibited from flowing downward, the manual approval steps are executed, the risk factors are further evaluated, and corresponding decisions are made based on the evaluation results.

[0058] Sa5: If the risk factor does not belong to the high risk interception item, the financial indicators are analyzed to generate risk analysis results.

[0059] Specifically, if the risk factor does not belong to the high-risk interception items, the financial indicators of the target customers are analyzed. First, the financial data of the target customers are collected, including corporate financial statements, annual reports and audit reports, and key financial indicators are selected for analysis. The proportion of net profit to operating income is calculated to evaluate the profitability of the company; the ratio of current assets to current liabilities is calculated to evaluate the company's short-term debt repayment ability; the ratio of operating income to total assets is calculated to evaluate the company's asset utilization efficiency; the growth rate of current period operating income and previous period operating income is calculated to evaluate the company's revenue growth ability. The financial status of the company is summarized, including a comprehensive evaluation of profitability, debt repayment ability, operating efficiency and growth ability, and risk analysis results are generated.

[0060] Sa6: If the risk analysis result is good, it is determined that the target customer does not contain high-risk interception items.

[0061] Specifically, if the target customer's profitability indicator is at or above the industry average, the debt-paying ability indicator is within a safe range, the operating efficiency indicator performs well, and the growth ability indicator shows a positive growth trend, then it means that the risk analysis result is good, there are no significant high-risk factors, and it is determined that the target customer does not contain high-risk intercept items.

[0062] Sa7: If there are multiple high-risk indicators in the risk analysis results, the target customer is determined to contain high-risk intercept items.

[0063] S204: If the target customer does not include high-risk interception items, a prompt for filling in application information is sent to the client.

[0064] Among them, the application information may include data such as application amount, net assets, and debt-to-asset ratio.

[0065] Specifically, if the target customer does not contain high-risk interception items, it is determined that the target customer meets the standard requirements for automatic approval, and the service device sends a prompt message to the client where the target customer is located to remind the target customer to enter application information on the client, where the prompt message can be sent to the client via a notification function or a message box.

[0066] S205: Receive application information sent by the client.

[0067] Specifically, after the target customer fills in the application information, the client sends the application information to the service device.

[0068] S206: According to the preset reference conditions, determine whether the application information meets the self-approval credit conditions.

[0069] Specifically, it includes steps Sb1 to Sb3:

[0070] Sb1: If the application amount is higher than the preset amount threshold and the target customer's application type belongs to the low-risk category, the registered capital and net profit margin of the target customer are obtained.

[0071] Sb2: Determine whether the registered capital of the target customer is higher than a preset capital threshold and whether the net profit margin is higher than a second preset rate value.

[0072] Sb3: If the registered capital of the target customer is higher than the preset capital threshold and the net profit margin is higher than the second preset rate value, the target customer is determined to meet the self-approval credit conditions.

[0073] Exemplarily, the preset amount threshold is 1 million yuan, the preset capital threshold is 5 million yuan, and the second preset rate value is 10%. When the target customer's application amount is 1.5 million yuan and the application type is determined to be a low-risk category, the service equipment automatically obtains the target customer's registered capital and net profit margin. If the target customer's registered capital is 6 million yuan and the net profit margin is 12%, it is determined that the target customer meets the self-approval credit conditions.

[0074] S207: If the application information meets the self-approval credit conditions, the target customer's credit limit and financial score are obtained.

[0075] Among them, the financial score is a comprehensive indicator for quantitative assessment of the financial health of an enterprise or individual. It is usually based on a series of financial data and indicators and is derived through a specific algorithm to measure the financial stability, debt repayment ability and credit risk of an enterprise or individual.

[0076] S208: Determine the credit limit of the target customer based on the target customer's upper limit and financial score.

[0077] Specifically, the process of determining the credit limit of the target customer includes steps Sc1 to Sc7:

[0078] Sc1: Get the unused balance of the target customer's upper limit.

[0079] Among them, the unused balance in the upper limit usually refers to the part of a pre-set limit that has not been used by the target customer.

[0080] Sc2: If the balance is not less than the application amount, the target customer's credit limit is determined to be equal to the application amount.

[0081] Specifically, if the target customer has an upper limit and there is sufficient unused balance in the upper limit, the application amount will be fully met and the target customer's credit line will be determined as the application amount.

[0082] Sc3: If the target customer has no upper limit, determine whether the target customer's financial score is not less than the preset score.

[0083] Sc4: If the target customer's financial score is not less than the preset score, the target customer's credit limit is determined to be equal to the application amount.

[0084] For example, if the target customer has no upper limit, it is determined whether the target customer's financial score is greater than or equal to 60. If the target customer's financial score is greater than or equal to 60, the application amount is also fully met, and the target customer's credit line is determined to be the size of the application amount.

[0085] Sc5: If the target customer's financial score is less than the preset score, the target customer's debt-to-asset ratio is obtained, and it is determined whether the debt-to-asset ratio is lower than a first preset ratio value.

[0086] Sc6: If the debt-to-asset ratio is lower than the first preset ratio, the minimum value between the application amount and the first preset ratio of net assets shall be determined as the target customer’s credit limit.

[0087] For example, when the financial score is less than 60 points, it is determined whether the target customer's debt-to-asset ratio is less than 75%. If the target customer's debt-to-asset ratio is less than 75%, the target customer's credit line is calculated according to the following formula: credit amount = min (1 / 3 net assets, application amount), where 1 / 3 net assets is rounded to tenths.

[0088] Sc7: If the debt-to-asset ratio is not lower than the first preset ratio, the minimum of the application amount and the second preset ratio of net assets will be determined as the target customer’s credit limit.

[0089] If the target customer's balance sheet is greater than or equal to 75% and its debt-to-asset ratio is less than 100%, the target customer's credit line is calculated using the following formula: Credit amount = min(1 / 5 net assets, application amount), where 1 / 5 net assets is rounded off to the nearest tenth place.

[0090] S209: Send the credit limit to the client.

[0091] Specifically, the credit limit is sent to the client to remind the target customer to promptly identify and respond to potential credit risks, obtain and understand their credit information in a timely manner, and choose appropriate financial products and services.

[0092] In summary, when receiving a credit line approval request containing the basic information of a target customer sent by a client, the basic information of the target customer is first preliminarily screened according to a pre-stored credit blacklist. If the basic information of the target customer is in the credit blacklist, the approval is rejected. If the basic information of the target customer is no longer in the credit blacklist, the credit information of the target customer is queried and screened according to a pre-set priority order to determine whether there are high-risk interception items in the credit information of the target customer. If the target customer does not include high-risk interception items, an application information filling prompt is sent to the client to enable the client to send the application information, and determine whether the target customer meets the self-approval credit conditions according to the preset reference conditions. If the target customer meets the self-approval credit conditions, the credit line of the target customer is determined according to the target customer's limit upper limit and financial score. By determining whether the target customer of the client meets the self-approval credit conditions, the credit line of the target customer can be automatically approved, which can improve the efficiency of credit line approval and reduce the influence of subjective factors.

[0093] In another embodiment of the present application, if the target customer meets the self-approval credit conditions, another method for determining the credit limit is also included, specifically, including steps S301 to S304:

[0094] S301: Obtain the target customer's debt-to-asset ratio and model score, where the model score is pre-calculated based on the target customer's credit risk.

[0095] S302: Determine the basic credit limit of the target customer based on the model score and debt-to-asset ratio.

[0096] Specifically, the formula for determining the basic credit limit of target customers is: Basic credit limit = model score × score coefficient + net assets × net assets coefficient

[0097] Among them, the scoring coefficient can be 0.1 and the net asset coefficient is set to 0.2.

[0098] S303: Compare the basic quota with the unused balance in the upper quota limit, and determine the smaller value as the quota after the quota balance is adjusted.

[0099] Specifically, the calculation formula for the adjusted limit balance is: adjusted limit balance = min (basic limit, unused balance in the upper limit)

[0100] S304: Calculate the target customer's credit limit based on the limit loss ratio and the limit margin adjustment amount according to the industry underwriting policy.

[0101] Specifically, the credit limit is calculated as follows: Credit limit = amount after limit margin adjustment × (1-industry underwriting policy limit compensation ratio)

[0102] In summary, the basic credit limit is calculated by model scoring and debt-to-asset ratio, ensuring the scientificity and accuracy of the credit limit. The score coefficient and net asset coefficient are used for weighted calculation, making the credit limit more in line with the actual situation of the customer. Adjustments are made based on the industry underwriting limit compensation ratio to further reduce risks and ensure that the credit limit is within a reasonable range.

[0103] Figure 3 This is a schematic diagram of the structure of the credit line approval device provided in the embodiment of the present application. Figure 3 As shown, the credit limit approval device includes: a request receiving module 301, a primary screening module 302, a secondary screening module 303, an information prompt module 304, an application information receiving module 305, a self-approval credit judgment module 306, an information acquisition module 307, a credit limit determination module 308 and a credit limit sending module 309.

[0104] The request receiving module 301 is used to receive a credit line approval request sent by a client, wherein the credit line approval request includes basic information of a target customer.

[0105] The primary screening module 302 is used to perform a primary screening on the basic information according to the pre-stored credit blacklist to determine whether the target customer exists in the credit blacklist.

[0106] The secondary screening module 303 is used to query the credit information of the target customer if the target customer does not exist in the credit blacklist, and perform secondary screening on the credit information according to a preset priority order to determine whether the target customer contains a high-risk interception item.

[0107] The information prompt module 304 is used to send an application information filling prompt to the client if the target customer does not contain a high-risk interception item.

[0108] The application information receiving module 305 is used to receive the application information sent by the client.

[0109] The self-approval credit determination module 306 is used to determine whether the application information meets the self-approval credit conditions according to the preset reference conditions.

[0110] The information acquisition module 307 is used to obtain the credit limit and financial score of the target customer if the application information meets the self-approval credit conditions.

[0111] The credit limit determination module 308 is used to determine the credit limit of the target customer according to the upper limit and financial score of the target customer.

[0112] The credit limit sending module 309 is used to send the credit limit to the client.

[0113] In one possible implementation, the credit limit determination module 308 is specifically used to obtain the unused balance in the upper limit of the target customer; if the balance is not less than the application amount, it is determined that the credit limit of the target customer is equal to the application amount; if the target customer has no upper limit, it is determined whether the financial score of the target customer is not less than the preset score; if the financial score of the target customer is not less than the preset score, it is determined that the credit limit of the target customer is equal to the application amount; if the financial score of the target customer is less than the preset score, the debt-to-asset ratio of the target customer is obtained, and it is determined whether the debt-to-asset ratio is lower than a first preset rate value; if the debt-to-asset ratio is lower than the first preset rate value, the minimum value of the application amount and the first preset ratio of net assets is determined as the credit limit of the target customer; if the debt-to-asset ratio is not lower than the first preset rate value, the minimum value of the application amount and the second preset ratio of net assets is determined as the credit limit of the target customer.

[0114] In one possible implementation, the secondary screening module 303 is specifically used to determine whether the industrial and commercial registration status of the target customer is normal; if the industrial and commercial registration status is abnormal, the screening is stopped, and it is determined that the target customer includes high-risk interception items; if the industrial and commercial registration status is normal, the risk factors of the industry category are queried, and it is determined whether the risk factors belong to high-risk interception items; if the risk factors belong to high-risk interception items, the screening is stopped, and it is determined that the target customer includes high-risk interception items; if the risk factors do not belong to high-risk interception items, the financial indicators are analyzed to generate risk analysis results; if the risk analysis results are good, it is determined that the target customer does not include high-risk interception items; if there are multiple high-risk indicators in the risk analysis results, it is determined that the target customer includes high-risk interception items.

[0115] In one possible implementation, the self-approval credit judgment module 306 is specifically used to obtain the registered capital and net profit margin of the target customer if the application amount is higher than the preset amount threshold and the application type of the target customer belongs to the low-risk category; determine whether the registered capital of the target customer is higher than the preset capital threshold and the net profit margin is higher than the second preset rate value; if the registered capital of the target customer is higher than the preset capital threshold and the net profit margin is higher than the second preset rate value, determine that the target customer meets the self-approval credit conditions.

[0116] In a possible implementation, the credit line approval device also includes a credit line calculation module, which is used to obtain the target customer's debt-to-asset ratio and model score, wherein the model score is calculated in advance based on the target customer's credit risk; determine the target customer's basic credit line based on the model score and the debt-to-asset ratio; compare the basic credit line with the unused balance in the upper limit, and determine the smaller value as the limit balance adjusted credit line; calculate the target customer's credit line based on the industry underwriting policy limit loss ratio and the limit balance adjusted credit line.

[0117] The credit limit approval device provided in this embodiment can execute the method provided in the above method embodiment, and its implementation principle and technical effect are similar, so this embodiment will not be described in detail here.

[0118] Figure 4 This is a schematic diagram of the structure of the service device provided in the embodiment of the present application. Figure 4 As shown, the service device provided in this embodiment includes: at least one processor 401 and a memory 402. Optionally, the service device includes a communication component 403. The processor 401, the memory 402 and the communication component 403 are connected via a bus 404.

[0119] In a specific implementation process, at least one processor 401 executes the computer-executable instructions stored in the memory 402, so that at least one processor 401 executes the above method.

[0120] The specific implementation process of the processor 401 can be found in the above method embodiment, and its implementation principle and technical effect are similar, so this embodiment will not be repeated here.

[0121] In the above embodiments, it should be understood that the processor can be a central processing unit (CPU), or other general-purpose processors, digital signal processors (DSP), application-specific integrated circuits (ASIC), etc. A general-purpose processor can be a microprocessor or any conventional processor. The steps of the method disclosed in the invention can be directly implemented as a hardware processor, or can be implemented by a combination of hardware and software modules in the processor.

[0122] The memory may include a high-speed memory (Random Access Memory, RAM), and may also include a non-volatile memory (NVM), such as at least one disk storage.

[0123] The bus can be an Industry Standard Architecture (ISA) bus, a Peripheral Component Interconnect (PCI) bus, or an Extended Industry Standard Architecture (EISA) bus, etc. The bus can be divided into an address bus, a data bus, a control bus, etc. For ease of representation, the bus in the drawings of this application is not limited to only one bus or one type of bus.

[0124] An embodiment of the present application also provides a computer program product, including a computer program, which implements the above method when executed by a processor.

[0125] An embodiment of the present application also provides a computer-readable storage medium, in which computer-executable instructions are stored. When a processor executes the computer-executable instructions, the above method is implemented.

[0126] The above-mentioned readable storage medium can be implemented by any type of volatile or non-volatile storage device or a combination thereof, such as static random access memory (SRAM), electrically erasable programmable read-only memory (EEPROM), erasable programmable read-only memory (EPROM), programmable read-only memory (PROM), read-only memory (ROM), magnetic memory, flash memory, magnetic disk or optical disk. The readable storage medium can be any available medium that can be accessed by a general or special-purpose computer.

[0127] An exemplary readable storage medium is coupled to a processor so that the processor can read information from the readable storage medium and write information to the readable storage medium. Of course, the readable storage medium can also be a component of the processor. The processor and the readable storage medium can be located in an application specific integrated circuit (Application Specific Integrated Circuits, referred to as: ASIC). Of course, the processor and the readable storage medium can also exist in the device as discrete components.

[0128] The division of units is only a logical function division, and there may be other divisions in actual implementation, such as multiple units or components can be combined or integrated into another system, or some features can be ignored or not executed. Another point is that the mutual coupling or direct coupling or communication connection shown or discussed can be an indirect coupling or communication connection through some interface, device or unit, which can be electrical, mechanical or other forms.

[0129] The units described as separate components may or may not be physically separated, and the components shown as units may or may not be physical units, that is, they may be located in one place or distributed on multiple network units. Some or all of the units may be selected according to actual needs to achieve the purpose of the solution of this embodiment.

[0130] In addition, each functional unit in each embodiment of the present invention may be integrated into one processing unit, or each unit may exist physically separately, or two or more units may be integrated into one unit.

[0131] If the function is implemented in the form of a software functional unit and sold or used as an independent product, it can be stored in a computer-readable storage medium. Based on this understanding, the technical solution of the present invention, 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. The computer software product is stored in a storage medium, including several instructions for a computer device (which can be a personal computer, server, or network device, etc.) to perform all or part of the steps of the methods of each embodiment of the present invention. The aforementioned storage medium includes: U disk, mobile hard disk, read-only memory (ROM, Read-Only Memory), random access memory (RAM, Random Access Memory), disk or optical disk, etc. Various media that can store program codes.

[0132] Those skilled in the art can understand that all or part of the steps of implementing the above-mentioned method embodiments can be completed by hardware related to program instructions. The aforementioned program can be stored in a computer-readable storage medium. When the program is executed, the steps of the above-mentioned method embodiments are executed; and the aforementioned storage medium includes: ROM, RAM, disk or optical disk and other media that can store program codes.

[0133] Finally, it should be noted that those skilled in the art will readily conceive of other embodiments of the present invention after considering the specification and practicing the invention disclosed herein. The present invention is intended to cover any variations, uses or adaptations of the present invention, which follow the general principles of the present invention and include common knowledge or customary technical means in the art not disclosed by the present invention, are not limited to the precise structure described above and shown in the drawings, and may be modified and changed in various ways without departing from the scope thereof. The scope of the present invention is limited only by the appended claims.

Claims

1. A credit line approval method, characterized in that: Applied to service equipment, including: Receiving a credit line approval request sent by a client, wherein the credit line approval request includes basic information of a target customer; Screening the basic information according to a pre-stored credit blacklist to determine whether the target customer exists in the credit blacklist; If the target customer does not exist in the credit blacklist, the credit information of the target customer is queried, and the credit information is screened again according to a preset priority order to determine whether the target customer contains a high-risk interception item; If the target customer does not include a high-risk interception item, a prompt for filling in application information is sent to the client; Receiving application information sent by the client; According to the preset reference conditions, determine whether the application information meets the self-approval credit conditions; If the application information meets the self-approval credit conditions, the credit limit and financial score of the target customer are obtained; Determine the credit limit of the target customer based on the target customer's upper limit and financial score; The credit limit is sent to the client.

2. The method according to claim 1, characterized in that The application information includes the application amount and net assets; Accordingly, determining the credit limit of the target customer according to the upper limit and financial score of the target customer includes: Obtain the unused balance of the upper limit of the target customer; If the balance is not less than the application amount, determining that the target customer's credit limit is equal to the application amount; If the target customer has no upper limit, determining whether the target customer's financial score is not less than a preset score; If the target customer's financial score is not less than the preset score, the target customer's credit limit is determined to be equal to the application amount; If the target customer's financial score is less than the preset score, obtaining the target customer's debt-to-asset ratio, and determining whether the debt-to-asset ratio is lower than a first preset ratio value; If the debt-to-asset ratio is lower than the first preset ratio, the minimum value between the application amount and the first preset ratio of net assets is determined as the credit limit of the target customer; If the debt-to-asset ratio is not lower than the first preset rate value, the minimum value between the application amount and the second preset ratio of net assets is determined as the credit limit of the target customer.

3. The method according to claim 1, characterized in that The credit information includes business registration status, industry category, and financial indicators; Accordingly, the secondary screening of the credit information according to the preset priority order to determine whether the target customer contains high-risk interception items includes: Determine whether the business registration status of the target customer is normal; If the business registration status is abnormal, the screening is stopped and the target customer is determined to contain a high-risk interception item; If the business registration status is normal, then query the risk factors of the industry category and determine whether the risk factors belong to high-risk interception items; If the risk factor belongs to a high-risk interception item, the screening is stopped and it is determined that the target customer contains a high-risk interception item; If the risk factor does not belong to the high-risk interception item, the financial indicator is analyzed to generate a risk analysis result; If the risk analysis result is good, it is determined that the target customer does not include high-risk interception items; If there are multiple high-risk indicators in the risk analysis result, it is determined that the target customer includes a high-risk interception item.

4. The method according to claim 2, characterized in that: The step of judging whether the application information meets the self-approval credit conditions according to the preset reference conditions includes: If the application amount is higher than the preset amount threshold, and the application type of the target customer belongs to the low-risk category, then the registered capital and net profit margin of the target customer are obtained; Determining whether the registered capital of the target customer is higher than a preset capital threshold, and the net profit margin is higher than a second preset rate value; If the registered capital of the target customer is higher than the preset capital threshold, and the net profit margin is higher than the second preset rate value, it is determined that the target customer meets the self-approval credit conditions.

5. The method according to claim 1, characterized in that If the target customer meets the self-approval credit conditions, it also includes: Obtaining the target customer's debt-to-asset ratio and model score, wherein the model score is pre-calculated based on the target customer's credit risk; Determine the basic credit limit of the target customer according to the model score and the debt-to-asset ratio; Compare the basic amount with the unused balance of the upper limit, and determine the smaller value as the adjusted amount of the balance; The credit limit of the target customer is calculated based on the industry underwriting policy limit loss ratio and the adjusted amount of the limit margin.

6. A credit line approval device, characterized in that: Applied to service equipment, including: A request receiving module, used to receive a credit line approval request sent by a client, wherein the credit line approval request includes basic information of a target customer; A primary screening module, used to screen the basic information according to a pre-stored credit blacklist to determine whether the target customer exists in the credit blacklist; A secondary screening module, for querying the credit information of the target customer if the target customer does not exist in the credit blacklist, and performing secondary screening on the credit information according to a preset priority order to determine whether the target customer contains a high-risk interception item; An information prompt module, used for sending an application information filling prompt to the client if the target customer does not contain a high-risk interception item; An application information receiving module, used to receive the application information sent by the client; A self-approval credit determination module is used to determine whether the application information meets the self-approval credit conditions according to preset reference conditions; An information acquisition module, used to obtain the credit limit and financial score of the target customer if the application information meets the self-approval credit conditions; A credit limit determination module, used to determine the credit limit of the target customer according to the upper limit and financial score of the target customer; A credit line sending module is used to send the credit line to the client.

7. The device according to claim 6, characterized in that The self-approval credit judgment module is specifically used to obtain the registered capital and net profit margin of the target customer if the application amount is higher than the preset amount threshold and the application type of the target customer belongs to the low-risk category; determine whether the registered capital of the target customer is higher than the preset capital threshold and the net profit margin is higher than a second preset rate value; if the registered capital of the target customer is higher than the preset capital threshold and the net profit margin is higher than the second preset rate value, determine that the target customer meets the self-approval credit conditions.

8. A service device, characterized in that: include: Memory, processor; The memory stores computer-executable instructions; The processor executes the computer-executable instructions stored in the memory, so that the processor performs the method according to any one of claims 1 to 5.

9. A computer-readable storage medium, characterized in that: The computer-readable storage medium stores computer-executable instructions, which are used to implement the method according to any one of claims 1 to 5 when executed by a processor.

10. A computer program product, characterized in that The invention comprises a computer program, which implements the method according to any one of claims 1 to 5 when being executed by a processor.

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