Financial lease rate management method, device and equipment and storage medium

Abstract

The invention discloses a financing lease rate management method, device and equipment and a storage medium, and relates to the technical field of data management, and the method comprises the steps: obtaining the operation data of a lease item; obtaining the current month income level of the tenant based on the operation data; according to the current-month income level, obtaining a current-month lease interest rate; and performing interest rate management according to the current-month lease interest rate. According to the invention, the financial lease interest rate can be dynamically managed.

Description

Technical Field

[0001] The present application relates to the field of data management technology, and in particular to a method, device, equipment and storage medium for managing financial leasing interest rates. Background Art

[0002] The current financial leasing system generally has a long-term fixed interest rate. Although there is an interest rate adjustment function, the number of adjustments is relatively rare and the cost of adjustment is relatively high. If the leasing company can participate in the lessee's business, share the profits of business development with the lessee, and bear the corresponding business risks, the lessee's risks will be more secure and the leasing company will have more profit sources.

[0003] The above contents are only used to assist in understanding the technical solution of the present application and do not constitute an admission that the above contents are prior art. Summary of the invention

[0004] The main purpose of this application is to provide a financial leasing interest rate management method, device, equipment and storage medium, aiming to solve the technical problem of how to dynamically manage financial leasing interest rates.

[0005] To achieve the above purpose, the present application proposes a method for managing the interest rate of a financial lease, the method comprising:

[0006] Obtaining operational data of leased property;

[0007] Based on the operation data, obtain the income level of the lessee for the current month;

[0008] According to the income level of the current month, the rental interest rate of the current month is obtained;

[0009] The interest rate is managed based on the stated monthly rental rate.

[0010] In one embodiment, the step of obtaining the operating data of the leased property includes:

[0011] Obtaining the usage of the leased property;

[0012] The operation data of the leased object is obtained through the usage.

[0013] In one embodiment, the step of obtaining the monthly income level of the lessee based on the operation data includes:

[0014] Based on the operation data, the monthly income of the lessee is obtained;

[0015] Constructing an income model according to the monthly income, and grading the monthly income to obtain a grading result;

[0016] The income level of the lessee for that month is obtained through the grading result.

[0017] In one embodiment, the step of constructing an income model according to the monthly income, grading the monthly income, and obtaining a grading result includes:

[0018] Building an income model based on the monthly income, and setting the income of the lessee in the previous month as a basic level;

[0019] Based on the basic level, the monthly income is graded according to data values ​​to obtain a graded result.

[0020] In one embodiment, the step of obtaining the rental interest rate for the current month according to the income level for the current month includes:

[0021] Based on the classification result, the interest rate adjustment value of the income level of the current month is set.

[0022] In one embodiment, the step of obtaining the monthly rental rate according to the monthly income level includes:

[0023] Obtaining the interest rate adjustment value corresponding to the income level of the current month and the rental interest rate of the lessee last month;

[0024] The lease rate of the previous month is added to the interest rate adjustment value to obtain the lease rate of the lessee for the current month.

[0025] In one embodiment, the step of managing the interest rate according to the monthly rental interest rate includes:

[0026] Develop a repayment schedule based on the stated monthly lease interest rate;

[0027] The interest rate of the lessee is managed according to the repayment schedule.

[0028] In addition, to achieve the above purpose, the present application also proposes a financial leasing interest rate management device, the financial leasing interest rate management device comprising:

[0029] A data acquisition module is used to obtain the operating data of the leased property;

[0030] A data processing module, used for obtaining the monthly income level of the lessee based on the operation data;

[0031] A data analysis module, used to obtain the monthly rental interest rate according to the monthly income level;

[0032] The interest rate management module is used to perform interest rate management based on the rental interest rate of the current month.

[0033] In addition, to achieve the above-mentioned purpose, the present application also proposes a financial leasing interest rate management device, which includes: a memory, a processor, and a computer program stored in the memory and executable on the processor, and the computer program is configured to implement the steps of the financial leasing interest rate management method as described above.

[0034] In addition, to achieve the above-mentioned purpose, the present application also proposes a storage medium, which is a computer-readable storage medium, and a computer program is stored on the storage medium. When the computer program is executed by the processor, the steps of the financial leasing interest rate management method as described above are implemented.

[0035] In addition, to achieve the above-mentioned purpose, the present application also provides a computer program product, which includes a computer program, and when the computer program is executed by a processor, it implements the steps of the financial leasing interest rate management method as described above.

[0036] One or more technical solutions proposed in this application have at least the following technical effects:

[0037] Adjusting the lease interest rate through the lessee's business data solves the technical problems of the current financial leasing system, which mostly has long-term fixed interest rates, few interest rate adjustments and high costs. Compared with existing technologies, it realizes dynamic management of financial leasing interest rates. BRIEF DESCRIPTION OF THE DRAWINGS

[0038] 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.

[0039] In order to more clearly illustrate the embodiments of the present application or the technical solutions in the prior art, the drawings required for use in the embodiments or the description of the prior art will be briefly introduced below. Obviously, for ordinary technicians in this field, other drawings can be obtained based on these drawings without paying any creative labor.

[0040] Figure 1 A flowchart diagram for the first embodiment of the method for managing the interest rate of a financial lease provided in this application;

[0041] Figure 2 A flow chart of the second embodiment of the method for managing the interest rate of financial lease provided in this application;

[0042] Figure 3 A flowchart diagram for the third embodiment of the method for managing the interest rate of financial leasing provided in this application;

[0043] Figure 4 A flowchart diagram for the fourth embodiment of the method for managing the interest rate of financial leasing of this application;

[0044] Figure 5 A flowchart diagram for Embodiment 5 of the method for managing interest rates of financial leases of this application;

[0045] Figure 6 This is a schematic diagram of the module structure of the financial leasing interest rate management device according to an embodiment of the present application;

[0046] Figure 7 This is a schematic diagram of the equipment structure of the hardware operating environment involved in the financial leasing interest rate management method in the embodiment of the present application.

[0047] The purpose, features and advantages of this application will be further described in conjunction with the embodiments and with reference to the accompanying drawings. DETAILED DESCRIPTION

[0048] It should be understood that the specific embodiments described herein are only used to explain the technical solutions of the present application and are not used to limit the present application.

[0049] In order to better understand the technical solution of the present application, a detailed description will be given below in conjunction with the accompanying drawings and specific implementation methods.

[0050] The main solution of the embodiment of the present application is: obtain the operating data of the leased property; based on the operating data, obtain the monthly income level of the lessee; according to the monthly income level, obtain the monthly rental interest rate; and perform interest rate management according to the monthly rental interest rate.

[0051] In this embodiment, for ease of description, the following description is made by taking the asset management module of the financial leasing system as the execution entity.

[0052] Since the existing financial leasing systems are mostly long-term fixed-rate systems, the interest rate is adjusted infrequently and at high costs, making it impossible to manage the leasing interest rate more reasonably and effectively.

[0053] The present application provides a solution to achieve the technical effect of dynamically managing the interest rate of financial leases.

[0054] It can be seen from the above embodiments that the present application adjusts the lease interest rate through the business data of the lessee, which solves the technical problems that the current financial leasing system mostly has long-term fixed interest rates, few interest rate adjustments and high costs. Compared with the existing technology, it realizes the dynamic management of financial leasing interest rates.

[0055] It should be noted that the execution subject of this embodiment can be a computing service device with data processing, network communication and program running functions, such as a tablet computer, a personal computer, a mobile phone, etc., or an electronic device capable of realizing the above functions, etc. The asset management module of the financial leasing system is taken as an example to illustrate this embodiment and the following embodiments.

[0056] Based on this, the present application embodiment provides a method for managing the interest rate of a financial lease, referring to Figure 1 , Figure 1 This is a flow chart of the first embodiment of the financial leasing interest rate management method of the present application.

[0057] In this embodiment, the financing lease interest rate management method includes steps S10 to S40:

[0058] Step S10, obtaining the operating data of the leased property.

[0059] It should be noted that leased items refer to items or equipment that a leasing company purchases from a supplier and provides to a lessee for use based on the lessee's choice. These leased items are usually fixed assets, such as factories, capital goods or other equipment. They are assets with clear ownership, real existence and the ability to generate income. During the period of financial leasing, the lessee enjoys the right to use the leased items, while the ownership belongs to the leasing company. Operational data refers to the income data generated during the operation of the leased items.

[0060] Obtain the operating data of the leased property. The date range of the data shall not exceed five years and shall not be less than one year. For example, you can obtain the operating data of the past one year or the past two years.

[0061] Step S20: obtaining the monthly income level of the lessee based on the operation data.

[0062] It should be noted that the lessee, also known as the lessee, refers to an enterprise or individual in a financial leasing contract who, based on his or her specific requirements for the leased object and choice of supplier, has the leasing company purchase the leased object and provide it to him or her for use in exchange for rent payment. The lessee is responsible for the repair and maintenance of the leased object during the entire lease period and bears the relevant expenses. The monthly income level is the current monthly income level obtained after grading the lessee's net income data.

[0063] Step S30, obtaining the rental interest rate for the month according to the income level for the month.

[0064] It should be noted that the monthly rental interest rate is the interest rate charged by the leasing company to the lessee for the use of the leased property in the current month. Different income levels in the month will result in different corresponding monthly rental interest rates.

[0065] Step S40: performing interest rate management according to the rental interest rate of the current month.

[0066] It should be noted that interest rate management is the management operation performed by the asset management module of the financial leasing system on the business data and financing interest of the leased assets.

[0067] This embodiment provides a method for managing the interest rate of a financial lease, which adjusts the lease interest rate through the business data of the lessee, solving the technical problems that the current financial lease system mostly has long-term fixed interest rates, few interest rate adjustments, and high costs. Compared with the existing technology, it realizes dynamic management of the financial lease interest rate.

[0068] Based on the first embodiment of the present application, in the second embodiment of the present application, the same or similar contents as those in the above-mentioned embodiment 1 can be referred to the above introduction, and will not be repeated in the following. Figure 2 , step S10 includes steps S101 to S102:

[0069] Step S101, obtaining the usage status of the leased item.

[0070] It should be noted that the usage refers to data such as losses, maintenance costs, and profits generated during the operation of the leased property during the rental period.

[0071] Obtain the usage of the leased property. The date range of the data shall not exceed five years and shall not be less than one year. For example, you can obtain the operating data for the past one year or the past two years.

[0072] Step S102, obtaining the operation data of the leased object through the usage situation.

[0073] The income generated by the leased property, i.e., operating data, is calculated by using data such as loss, maintenance costs, and profits during the operation period of the leased property within the data acquisition date.

[0074] This embodiment provides a method for managing the interest rate of a financial lease, by obtaining the usage of the leased object; and obtaining the operating data of the leased object through the usage, thereby providing a data basis for building a revenue model for the lessee.

[0075] Based on the first embodiment of the present application, in the third embodiment of the present application, the same or similar contents as those in the above-mentioned embodiment 1 can be referred to the above introduction, and will not be repeated in the following. Figure 3 , step S20 includes steps S201 to S203:

[0076] Step S201, obtaining the monthly income of the lessee based on the operation data.

[0077] Based on the income generated during the operation period of the leased property within the data acquisition date, it is classified by month to obtain the income data of the lessee for each month, that is, the monthly income.

[0078] Step S202: constructing an income model according to the monthly income, and grading the monthly income to obtain a grading result.

[0079] It should be noted that the revenue model is also called a profit model or a profit model. It describes the revenue data generated by the lessee through the sale of goods, provision of services or other business activities through the leased property. The revenue model can be constructed based on the monthly income by collecting the monthly income of different lessees in advance.

[0080] In a feasible implementation, step S202 may include steps A01 to A02:

[0081] Step A01, constructing an income model according to the monthly income, and setting the income of the lessee in the previous month as the basic level.

[0082] Establish year-on-year and month-on-month data through the tenant's monthly income data, build the tenant's income model, set the tenant's income data of the previous month as the basic level, and use this as the benchmark for subsequent data classification.

[0083] Step A02: Based on the basic level, the monthly income is graded according to the data value to obtain a grading result.

[0084] Based on the basic level income data, monthly income is graded according to the size of the income data value. The data difference between adjacent levels, that is, the level difference can be a certain proportion of the basic level income data, or can be set according to the basic level income data. For example, the level difference is set to 10 million. When the income data of a certain month is 0 to 10 million lower than the basic level data, it is set to -1 level; when it is 10 million to 20 million lower, it is set to -2 level; when the income data of a certain month is 0 to 10 million higher than the basic level data, it is set to +1 level; when it is 10 million to 20 million higher, it is set to +2 level; and so on. The income data of each month is graded to obtain the grading results.

[0085] By constructing an income model and grading the monthly income of lessees, a technical effect is achieved by providing a data basis for setting corresponding interest rate adjustment values ​​according to the grading results.

[0086] Step S203, obtaining the income level of the lessee for the current month through the grading result.

[0087] The result obtained by grading the monthly income data generated by the lessee using the leased property is to obtain the level of the lessee's income in the current month.

[0088] This embodiment provides a method for managing the interest rate of financial leasing, by obtaining the monthly income of the lessee based on the operating data; constructing an income model according to the monthly income, and grading the monthly income to obtain a grading result; and obtaining the income level of the lessee for the current month through the grading result, thereby providing a data basis for interest rate adjustment.

[0089] Based on the first and third embodiments of the present application, in the fourth embodiment of the present application, the same or similar contents as those of the first and third embodiments can be referred to the above description, and will not be described in detail later. Figure 4 , before step S30, including step S01:

[0090] Step S01, based on the classification result, setting the interest rate adjustment value of the income level of the current month.

[0091] According to the result of grading the monthly income data generated by the lessee using the leased property, the financing interest rate is increased when the lessee's monthly income level is positive, and the financing interest rate is reduced when the lessee's monthly income level is negative. The corresponding interest rate adjustment value is set for the level corresponding to the monthly income data through a formula. The interest rate adjustment value can be -10% to 10%, and the adjustment difference between adjacent levels can be 0 to 1%. The specific processing process is as follows:

[0092] X:mXn

[0093] X is the interest rate adjustment value, and -10%≤X≤10%, m is the income level of the month, n is the adjustment difference, and 0≤n≤1%.

[0094] For example, the adjustment difference is set to 0.5%. When the monthly income level is -1, the interest rate adjustment value is obtained through the formula and set to -0.5%. When the monthly income level is -2, the interest rate adjustment value is obtained through the formula and set to -1%. When the monthly income level is +1, the interest rate adjustment value is obtained through the formula and set to 0.5%. When the monthly income level is +2, the interest rate adjustment value is obtained through the formula and set to 1%, and so on.

[0095] In a feasible implementation manner, step S30 includes steps S301 to S302:

[0096] Step S301, obtaining the interest rate adjustment value corresponding to the income level of the current month and the rental interest rate of the lessee in the previous month.

[0097] It should be noted that the rental interest rate last month is the interest rate charged by the leasing company to the lessee for using the leased property in the previous month.

[0098] Step S302, adding the rental interest rate of the previous month to the interest rate adjustment value to obtain the rental interest rate of the lessee for the current month.

[0099] Add the previous month's rental interest rate to the interest rate adjustment value corresponding to the current month's income level, that is, dynamically adjust the rental interest rate based on the lessee's current monthly income to obtain the adjusted rental interest rate, which will be used as the rental interest rate for the current month.

[0100] The new lease interest rate is obtained by comparing the lease interest rate of the previous month with the interest rate adjustment value, thus achieving the technical effect of dynamically adjusting the lease interest rate.

[0101] This embodiment provides a method for managing the interest rate of a financial lease, which sets the interest rate adjustment value of the income level of the current month based on the classification result, thereby dynamically adjusting the lease interest rate charged to the lessee when using the leased property.

[0102] Based on the first and fourth embodiments of the present application, in the fifth embodiment of the present application, the same or similar contents as those of the first and fourth embodiments can be referred to the above description, and will not be described in detail later. Figure 5 , step S40 includes steps S401 to S402:

[0103] Step S401, formulate a repayment schedule according to the rental interest rate of the current month.

[0104] It should be noted that a repayment plan is a tool used to record and manage loan or debt repayments. It can help leasing companies plan repayment time, amount and frequency, etc.

[0105] Step S402: performing interest rate management on the lessee according to the repayment schedule.

[0106] The asset management module of the financial leasing system manages the lessee's repayment interest, amount, time, etc. according to the repayment time, amount and frequency planned in the repayment schedule.

[0107] This embodiment provides a method for managing the interest rate of a financial lease, by formulating a repayment schedule according to the monthly lease interest rate; and performing interest rate management on the lessee according to the repayment schedule, thereby improving the efficiency of interest rate management on the lessee.

[0108] It should be noted that the above examples are only used to understand the present application and do not constitute a limitation on the financial leasing interest rate management method of the present application. More simple transformations based on this technical concept are all within the scope of protection of the present application.

[0109] This application also provides a financial leasing interest rate management device, please refer to Figure 6 , the financing lease interest rate management device comprises:

[0110] The data acquisition module 10 is used to acquire the operating data of the leased property.

[0111] The data processing module 20 is used to obtain the monthly income level of the lessee based on the operation data.

[0112] The data analysis module 30 is used to obtain the rental interest rate of the current month according to the income level of the current month.

[0113] The interest rate management module 40 is used to perform interest rate management according to the rental interest rate of the current month.

[0114] The financing lease interest rate management device provided by the present application adopts the financing lease interest rate management method in the above embodiment, which can solve the technical problem of how to dynamically manage the financing lease interest rate. Compared with the prior art, the beneficial effects of the financing lease interest rate management device provided by the present application are the same as the beneficial effects of the financing lease interest rate management method provided by the above embodiment, and the other technical features in the financing lease interest rate management device are the same as the features disclosed in the above embodiment method, which will not be repeated here.

[0115] The present application provides a financing lease interest rate management device, which includes: at least one processor; and a memory that is communicatively connected to the at least one processor; wherein the memory stores instructions that can be executed by the at least one processor, and the instructions are executed by the at least one processor so that the at least one processor can execute the financing lease interest rate management method in the above-mentioned embodiment one.

[0116] Reference below Figure 7 , which shows a schematic diagram of the structure of a financing lease interest rate management device suitable for implementing the embodiment of the present application. The financing lease interest rate management device in the embodiment of the present application may include but is not limited to mobile terminals such as mobile phones, laptop computers, digital broadcast receivers, PDAs (Personal Digital Assistants), PADs (Portable Application Descriptions), PMPs (Portable Media Players), vehicle-mounted terminals (such as vehicle-mounted navigation terminals), etc., and fixed terminals such as digital TVs, desktop computers, etc. Figure 7 The financial lease interest rate management device shown is merely an example and should not bring any limitation to the functions and scope of use of the embodiments of the present application.

[0117] like Figure 7As shown, the financing lease interest rate management device may include a processing device 1001 (such as a central processing unit, a graphics processor, etc.), which can perform various appropriate actions and processes according to the program stored in the read-only memory (ROM: Read Only Memory) 1002 or the program loaded from the storage device 1003 to the random access memory (RAM: Random Access Memory) 1004. In RAM1004, various programs and data required for the operation of the xxx device are also stored. The processing device 1001, ROM1002 and RAM1004 are connected to each other through a bus 1005. An input / output (I / O) interface 1006 is also connected to the bus. Generally, the following systems can be connected to the I / O interface 1006: an input device 1007 including, for example, a touch screen, a touch pad, a keyboard, a mouse, an image sensor, a microphone, an accelerometer, a gyroscope, etc.; an output device 1008 including, for example, a liquid crystal display (LCD: Liquid Crystal Display), a speaker, a vibrator, etc.; a storage device 1003 including, for example, a magnetic tape, a hard disk, etc.; and a communication device 1009. The communication device 1009 can allow the financial lease rate management device to communicate wirelessly or wired with other devices to exchange data. Although the figure shows a financial lease rate management device with various systems, it should be understood that it is not required to implement or have all the systems shown. More or fewer systems can be implemented or provided instead.

[0118] In particular, according to the embodiments disclosed in the present application, the process described above with reference to the flowchart can be implemented as a computer software program. For example, the embodiments disclosed in the present application include a computer program product, which includes a computer program carried on a computer-readable medium, and the computer program includes a program code for executing the method shown in the flowchart. In such an embodiment, the computer program can be downloaded and installed from a network through a communication device, or installed from a storage device 1003, or installed from a ROM 1002. When the computer program is executed by the processing device 1001, the above-mentioned functions defined in the method of the embodiment disclosed in the present application are executed.

[0119] The financing lease interest rate management device provided by the present application adopts the financing lease interest rate management method in the above embodiment, which can solve the technical problem of how to dynamically manage the financing lease interest rate. Compared with the prior art, the beneficial effects of the financing lease interest rate management device provided by the present application are the same as the beneficial effects of the financing lease interest rate management method provided by the above embodiment, and the other technical features in the financing lease interest rate management device are the same as the features disclosed in the method of the previous embodiment, which will not be repeated here.

[0120] It should be understood that the various parts disclosed in this application can be implemented by hardware, software, firmware or a combination thereof. In the description of the above embodiments, specific features, structures, materials or characteristics can be combined in any one or more embodiments or examples in a suitable manner.

[0121] The above is only a specific implementation of the present application, but the protection scope of the present application is not limited thereto. Any person skilled in the art who is familiar with the present technical field can easily think of changes or substitutions within the technical scope disclosed in the present application, which should be included in the protection scope of the present application. Therefore, the protection scope of the present application should be based on the protection scope of the claims.

[0122] The present application provides a computer-readable storage medium having computer-readable program instructions (ie, computer programs) stored thereon, and the computer-readable program instructions are used to execute the financing lease interest rate management method in the above-mentioned embodiment.

[0123] The computer-readable storage medium provided in the present application may be, for example, a USB flash drive, but is not limited to electrical, magnetic, optical, electromagnetic, infrared, or semiconductor systems, systems or devices, or any combination of the above. More specific examples of computer-readable storage media may include, but are not limited to: an electrical connection with one or more wires, a portable computer disk, a hard disk, a random access memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disk read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the above. In this embodiment, the computer-readable storage medium may be any tangible medium containing or storing a program that can be used by or in combination with an instruction execution system, system or device. The program code contained on the computer-readable storage medium may be transmitted using any appropriate medium, including but not limited to: wires, optical cables, RF (Radio Frequency), etc., or any suitable combination of the above.

[0124] The computer-readable storage medium may be included in the financing lease interest rate management device; or may exist independently without being assembled into the financing lease interest rate management device.

[0125] The above-mentioned computer-readable storage medium carries one or more programs. When the above-mentioned one or more programs are executed by the financial leasing interest rate management device, the financial leasing interest rate management device: obtains the operating data of the leased property; based on the operating data, obtains the monthly income level of the lessee; according to the monthly income level, obtains the monthly lease interest rate; and performs interest rate management according to the monthly lease interest rate.

[0126] Computer program code for performing the operations of the present application may be written in one or more programming languages ​​or a combination thereof, including object-oriented programming languages ​​such as Java, Smalltalk, C++, and conventional procedural programming languages ​​such as "C" or similar programming languages. The program code may be executed entirely on the user's computer, partially on the user's computer, as a separate software package, partially on the user's computer and partially on a remote computer, or entirely on a remote computer or server. In the case of a remote computer, the remote computer may be connected to the user's computer through any type of network, including a local area network (LAN) or a wide area network (WAN), or may be connected to an external computer (e.g., via the Internet using an Internet service provider).

[0127] The flow chart and block diagram in the accompanying drawings illustrate the possible architecture, function and operation of the system, method and computer program product according to various embodiments of the present application. In this regard, each square box in the flow chart or block diagram can represent a module, a program segment or a part of a code, and the module, the program segment or a part of the code contains one or more executable instructions for realizing the specified logical function. It should also be noted that in some alternative implementations, the functions marked in the square box can also occur in a sequence different from that marked in the accompanying drawings. For example, two square boxes represented in succession can actually be executed substantially in parallel, and they can sometimes be executed in the opposite order, depending on the functions involved. It should also be noted that each square box in the block diagram and / or flow chart, and the combination of the square boxes in the block diagram and / or flow chart can be implemented with a dedicated hardware-based system that performs a specified function or operation, or can be implemented with a combination of dedicated hardware and computer instructions.

[0128] The modules involved in the embodiments described in this application may be implemented by software or hardware, wherein the name of the module does not constitute a limitation on the unit itself in some cases.

[0129] The readable storage medium provided in this application is a computer-readable storage medium, which stores computer-readable program instructions (i.e., computer programs) for executing the above-mentioned financing lease interest rate management method, and can solve the technical problem of how to dynamically manage the financing lease interest rate. Compared with the prior art, the beneficial effects of the computer-readable storage medium provided in this application are the same as the beneficial effects of the financing lease interest rate management method provided in the above-mentioned embodiment, and will not be repeated here.

[0130] The present application also provides a computer program product, including a computer program, which implements the steps of the above-mentioned financial leasing interest rate management method when executed by a processor.

[0131] The computer program product provided by this application can solve the technical problem of how to dynamically manage the interest rate of a financial lease. Compared with the prior art, the beneficial effects of the computer program product provided by this application are the same as the beneficial effects of the financial lease interest rate management method provided by the above embodiment, and will not be repeated here.

[0132] The above descriptions are only some embodiments of the present application, and are not intended to limit the patent scope of the present application. All equivalent structural changes made using the contents of the present application specification and drawings under the technical concept of the present application, or direct / indirect applications in other related technical fields are included in the patent protection scope of the present application.

Claims

1. A method for managing interest rates of financial leases, characterized in that: The method comprises: Obtaining operational data of leased property; Based on the operation data, obtain the income level of the lessee for the current month; According to the income level of the current month, the rental interest rate of the current month is obtained; The interest rate is managed based on the stated monthly rental rate.

2. The method according to claim 1, characterized in that The step of obtaining the operating data of the leased property comprises: Obtaining the usage of the leased property; The operation data of the leased object is obtained through the usage.

3. The method according to claim 1, characterized in that The step of obtaining the monthly income level of the lessee based on the operation data comprises: Based on the operation data, the monthly income of the lessee is obtained; Constructing an income model according to the monthly income, and grading the monthly income to obtain a grading result; The income level of the lessee for that month is obtained through the grading result.

4. The method according to claim 3, characterized in that The step of constructing an income model according to the monthly income, and grading the monthly income to obtain a grading result comprises: Building an income model based on the monthly income, and setting the income of the lessee in the previous month as a basic level; Based on the basic level, the monthly income is graded according to data values ​​to obtain a graded result.

5. The method according to claim 4, characterized in that The step of obtaining the rental interest rate for the current month according to the income level for the current month includes: Based on the classification result, the interest rate adjustment value of the income level of the current month is set.

6. The method according to claim 5, characterized in that The step of obtaining the rental interest rate for the current month according to the income level for the current month comprises: Obtaining the interest rate adjustment value corresponding to the income level of the current month and the rental interest rate of the lessee last month; The lease rate of the previous month is added to the interest rate adjustment value to obtain the lease rate of the lessee for the current month.

7. The method according to claim 6, characterized in that The step of performing interest rate management according to the monthly rental interest rate comprises: Develop a repayment schedule based on the stated monthly lease interest rate; The interest rate of the lessee is managed according to the repayment schedule.

8. A financial leasing interest rate management device, characterized in that: The device comprises: A data acquisition module is used to obtain the operating data of the leased property; A data processing module, used for obtaining the monthly income level of the lessee based on the operation data; A data analysis module, used to obtain the monthly rental interest rate according to the monthly income level; The interest rate management module is used to perform interest rate management based on the rental interest rate of the current month.

9. A financial leasing interest rate management device, characterized in that: The device comprises: a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the computer program is configured to implement the steps of the method for managing the interest rate of a financial lease as claimed in any one of claims 1 to 7.

10. A storage medium, characterized in that: The storage medium is a computer-readable storage medium, and a computer program is stored on the storage medium. When the computer program is executed by a processor, the steps of the financing lease interest rate management method according to any one of claims 1 to 7 are implemented.

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