Processing method and device of lending business, electronic equipment, storage medium and product

Abstract

The invention discloses a processing method and device of a lending business, electronic equipment, a storage medium and a product, and is applied to the technical field of big data processing, and the method comprises the steps: obtaining the original lending data of an original loan and the lending data of lending under the condition that the lending auditing of the original loan is passed; performing principal conversion processing on the unrepayment data to obtain converted principal; determining a to-be-repaid amount of the loan account based on the converted principal and the continuous loan amount; updating the repayment deadline of the original loan according to the lending period to obtain an updated repayment deadline; and updating loan data of the loan account based on the to-be-repaid amount and the updated repayment deadline to obtain loan data corresponding to the lending business. Therefore, according to the scheme provided by the invention, the repayment transaction history before and after the lending is consistent, the risk of inaccurate evaluation of the repayment capability of the loan customer caused by the isolation of the repayment transaction before and after the lending is reduced, and the accuracy of the evaluation of the repayment capability of the loan customer is improved.

Description

Technical Field

[0001] The present application belongs to the field of big data processing technology, and in particular relates to a processing method, device, electronic equipment, storage medium and product for loan renewal business. Background Art

[0002] Refinancing means that before the original loan expires, upon application by the loan customer, the financial institution continues to issue a new loan to the loan customer. Usually, financial institutions use the method of borrowing new money to repay old money to handle loan renewal business, that is, the new loan is used to settle the old loan. In this method, after the loan renewal, the loan account number changes, that is, two new and old loans are generated.

[0003] However, in actual applications, the new and old loans are not consistent and are separated from each other, which is not conducive to tracking the default risk of loan customers, thereby reducing the accuracy of assessing the repayment ability of loan customers. Summary of the invention

[0004] The embodiments of the present application provide a processing method, device, electronic device, storage medium and product for loan renewal business, which can reduce the risk of inaccurate assessment of loan customers' repayment ability caused by the isolation of repayment transactions before and after loan renewal, and improve the accuracy of loan customers' repayment ability assessment.

[0005] In a first aspect, an embodiment of the present application provides a method for processing a loan renewal business, the method comprising: when the renewal of the original loan is approved, obtaining the original loan data of the original loan and the renewal data of the renewal loan, wherein the original loan data at least includes the loan account number and the unpaid data of the original loan, and the renewal data at least includes the renewal amount of the renewal loan and the renewal period of the renewal loan; performing principal conversion processing on the unpaid data to obtain the converted principal; determining the amount to be repaid corresponding to the loan account based on the converted principal and the renewal amount; updating the repayment period corresponding to the original loan according to the renewal period to obtain the updated repayment period; updating the loan data of the loan account number based on the amount to be repaid and the updated repayment period to obtain the loan data corresponding to the loan renewal business.

[0006] In a second aspect, an embodiment of the present application provides a processing device for a loan renewal business, the device comprising: a data acquisition module, for acquiring the original loan data of the original loan and the renewal loan data of the renewal loan when the renewal of the original loan is approved, wherein the original loan data at least includes the loan account number and the unpaid data of the original loan, and the renewal loan data at least includes the renewal loan amount of the renewal loan and the renewal loan period of the renewal loan; a data conversion module, for performing principal conversion processing on the unpaid data to obtain the converted principal; a repayment update module, for determining the amount to be repaid corresponding to the loan account based on the converted principal and the renewal loan amount; a term update module, for updating the repayment term corresponding to the original loan according to the renewal cycle to obtain the updated repayment term; a data update module, for updating the loan data of the loan account based on the amount to be repaid and the updated repayment term to obtain the loan data corresponding to the loan renewal business.

[0007] In a third aspect, an embodiment of the present application provides an electronic device, comprising: a processor and a memory storing computer program instructions; when the processor executes the computer program instructions, it implements the processing method for the loan renewal business as described in the first aspect.

[0008] In a fourth aspect, an embodiment of the present application provides a computer storage medium, on which computer program instructions are stored. When the computer program instructions are executed by a processor, the processing method for the loan renewal business as described in the first aspect is implemented.

[0009] In a fifth aspect, an embodiment of the present application provides a computer program product. When the instructions in the computer program product are executed by a processor of an electronic device, the electronic device can execute the processing method for the loan renewal business as described in the first aspect.

[0010] It can be seen from the above content that in the embodiment of the present application, the renewal loan is realized on the original debt of the original loan, that is, the renewal loan amount of the renewal loan is not used to settle the original loan, but as the amount to be repaid of the original loan, and the loan account of the original loan is used as the loan account of the renewal loan, thereby ensuring the consistency of the loan transaction, reducing the risk of wrong account, and providing a basis for the accurate assessment of the loan customer. In addition, in the embodiment of the present application, the unpaid data of the original loan is converted into principal, and the converted principal and the renewal loan amount are used as the amount to be repaid of the loan account. At the same time, the repayment period of the loan account is updated according to the renewal loan cycle, so that the repayment transaction history before and after the renewal loan has coherence, reducing the risk of inaccurate assessment of the loan customer's repayment ability caused by the isolation of the repayment transactions before and after the renewal loan, and improving the accuracy of the assessment of the loan customer's repayment ability. BRIEF DESCRIPTION OF THE DRAWINGS

[0011] In order to more clearly illustrate the technical solution of the embodiments of the present application, the following is a brief introduction to the drawings required for use in the embodiments of the present application. For ordinary technicians in this field, other drawings can be obtained based on these drawings without any creative work.

[0012] Figure 1 It is a schematic diagram of a loan renewal process of borrowing new money to repay old money in the related art;

[0013] Figure 2 It is a flowchart of a method for processing a loan renewal business provided by an embodiment of the present application;

[0014] Figure 3 It is a flow chart of a principal conversion method provided by an embodiment of the present application;

[0015] Figure 4 This is a schematic diagram of the entire process of handling a loan renewal business provided by an embodiment of the present application;

[0016] Figure 5 It is a structural schematic diagram of a processing device for loan renewal business provided by another embodiment of the present application;

[0017] Figure 6 It is a structural schematic diagram of an electronic device provided in yet another embodiment of the present application. DETAILED DESCRIPTION

[0018] The features and exemplary embodiments of various aspects of the present application will be described in detail below. In order to make the purpose, technical solutions and advantages of the present application clearer, the present application will be further described in detail below in conjunction with the accompanying drawings and specific embodiments. It should be understood that the specific embodiments described herein are only intended to explain the present application, rather than to limit the present application. For those skilled in the art, the present application can be implemented without the need for some of these specific details. The following description of the embodiments is only to provide a better understanding of the present application by illustrating the examples of the present application.

[0019] It should be noted that, in this article, relational terms such as first and second, etc. are only used to distinguish one entity or operation from another entity or operation, and do not necessarily require or imply any such actual relationship or order between these entities or operations. Moreover, the terms "include", "comprise" or any other variants thereof are intended to cover non-exclusive inclusion, so that a process, method, article or device including a series of elements includes not only those elements, but also other elements not explicitly listed, or also includes elements inherent to such process, method, article or device. In the absence of further restrictions, the elements defined by the statement "include..." do not exclude the presence of other identical elements in the process, method, article or device including the elements.

[0020] It should be noted that the acquisition, storage, use and processing of data in the embodiments of the present application are in compliance with the relevant provisions of national laws and regulations.

[0021] In addition, it should be noted that in the embodiments of the present application, certain software, components, models and other existing solutions in the industry may be mentioned, and they should be regarded as exemplary. Their purpose is only to illustrate the feasibility of implementing the technical solution of the present application, but it does not mean that the applicant has or will necessarily use the solution.

[0022] For ease of understanding, before explaining the solution provided in the present application, the background of the solution provided in the present application is first explained.

[0023] Refinancing means that before the original loan matures, upon application by the loan customer, the financial institution conducts a loan investigation and review in advance according to the requirements for newly issued loans. If the financial institution agrees to the loan customer's application for loan renewal, a new loan contract will be signed with the loan customer before the original loan matures. If a guarantee is required, a new guarantee contract will be signed, the loan conditions will be implemented, and the existing loan will be settled through the new loan, etc., allowing the loan customer to continue to use the loan funds.

[0024] When processing loan renewal business, the information system of financial institutions usually adopts the processing method of borrowing new to repay old, that is, issuing a new loan to the loan customer to settle the old loan. Figure 1 As shown, the specific process is as follows:

[0025] The loan customer applies for loan renewal and submits relevant materials for the loan renewal application. The business personnel of the financial institution will review and approve the loan customer's loan renewal application through the loan process system according to the new loan application process, and set the new loan contract to the release status after the review and approval are completed.

[0026] For contracts in the release state, the business personnel of the financial institution initiate a loan renewal account opening and loan issuance transaction to the loan accounting system. In this transaction processing, the loan accounting system calculates the settlement amount of the old loan, then issues a new loan based on the settlement amount, and uses the funds of the new loan to settle the old loan. Among them, when issuing a new loan, the loan accounting system records a debit account in the general ledger; when settling an old loan, the loan accounting system records a credit account in the general ledger to keep the general ledger balanced.

[0027] After the renewal loan account opening and loan disbursement are completed, the loan customer will have two loans under his name, one is the old loan that has been settled, and the other is the new loan that has just been issued. When the loan customer inquires about the loans under his name, he will find the above two old and new loans.

[0028] From the above content, it can be seen that in the renewal loan model of borrowing new money to repay old loans, the renewal loan transaction needs to process two loans, issuing a new loan and settling the old loan. Due to the long transaction line, consistency problems may occur. For example, the new loan is successfully issued, but the old loan fails to be settled. The issuance of the new loan should be rolled back. If there is an abnormality in the rollback, it will lead to transaction inconsistency.

[0029] In the loan renewal model of borrowing new money to repay old money, after the loan renewal transaction is completed, the loan account number (i.e. contract number) will change, and the loan customer will have two loan records. From the customer's perspective, two loan records will be generated under their name, leaving traces on the credit report, which is not very friendly to customers who attach great importance to credit records. In addition, from the perspective of risk control and supervision, the new and old loans are separated from each other, and there is no related management between the two. The credit history of the old loan cannot be queried through the loan data of the new loan. Therefore, it is impossible to evaluate the repayment ability of the loan customer as a whole, which is not conducive to tracking the risk of default.

[0030] In order to solve the problems existing in the prior art, the embodiments of the present invention provide a processing method, device, electronic device, storage medium and product for a loan renewal business. The present application realizes a loan renewal on the original debt item, which can keep the original loan account (i.e., contract number) unchanged, and does not generate a new loan, effectively solving the transaction consistency problem. At the same time, the repayment transaction history before and after the loan renewal is consistent, meeting the needs of risk control, and supporting the adjustment of the loan repayment plan and interest rate after the renewal. The processing method of the loan renewal business can also shorten the approval process for new loans and improve customer experience.

[0031] The following first introduces the processing method of the loan renewal business provided by the embodiment of the present invention. Among them, the processing method of the loan renewal business provided by the embodiment of the present application can be applied to the loan accounting system, and the loan accounting system can interact with the loan process system and the general ledger system to complete the loan renewal business of the loan customer.

[0032] Figure 2FIG. 1 is a flow chart showing a processing method for a loan renewal business provided by an embodiment of the present invention. Figure 2 As shown, the method may include the following steps:

[0033] Step S201, when the renewal of the original loan is approved, the original loan data of the original loan and the renewal data of the renewal loan are obtained.

[0034] In step S201, the original loan data at least includes the loan account number and the unpaid data of the original loan, wherein the loan account number may be the contract code of the loan contract of the original loan; the unpaid data of the original loan may include but is not limited to the unpaid principal, unpaid interest and unpaid assessment fee of the original loan. The renewal loan data at least includes the renewal loan amount and the renewal loan period of the renewal loan.

[0035] It should be noted that before obtaining the original loan data of the original loan and the renewal loan data of the renewal loan, the loan customer needs to initiate a renewal loan application, and the renewal loan process system will review and approve the renewal loan application of the loan customer. When the renewal loan application review and approval are completed and passed, and the renewal loan amount is greater than the unpaid principal of the original loan, the renewal loan amount of the renewal loan will be transferred to the deposit account designated by the renewal loan through a transfer transaction. At the same time, the general ledger system will record the newly issued funds accounting account by debiting the principal account and crediting the deposit account.

[0036] In addition, it should be noted that by setting the renewal loan amount to be greater than the unpaid principal of the original loan, it can be guaranteed that the renewal loan amount after the renewal can repay the unpaid principal of the original loan, so that the loan customer can repay the original loan.

[0037] Step S202, converting the unpaid data into principal to obtain the converted principal.

[0038] In step S202, the loan accounting system may convert the unpaid data into principal. In an embodiment of the present application, the loan accounting system may perform principal conversion processing on the unpaid principal and unpaid interest in the unpaid data, that is, capitalization of interest and capitalization of fees, so that during the loan process, the interest income or fees can be reinvested into the principal, so that the principal amount continues to increase. This calculation method gradually increases the interest income, thereby increasing the return on the bank's loan investment.

[0039] Through step S202, the principal is used as a part of the amount to be repaid of the renewal loan, so that the new and old loans are treated as one loan, and the new and old loans are also associated with each other and are no longer separated.

[0040] Step S203, determining the amount to be repaid corresponding to the loan account based on the converted principal and the renewal loan amount.

[0041] In step S203, the renewal amount of the renewal loan and the converted principal are used as the amount to be repaid corresponding to the loan account, that is, in the embodiment of the present application, the new and old loans are regarded as one loan to establish an association relationship between the new and old loans.

[0042] Step S204, updating the repayment period corresponding to the original loan according to the loan renewal cycle to obtain an updated repayment period.

[0043] In step S204, since in the embodiment of the present application, the new and old loans are treated as one loan, after the loan is renewed on the basis of the original loan, the repayment period corresponding to the loan account also changes, that is, the repayment period of the original loan is adjusted by using the renewal cycle to postpone the repayment period of the original loan, thereby increasing the repayment period corresponding to the loan account.

[0044] Step S205, updating the loan data of the loan account based on the amount to be repaid and the updated repayment period to obtain the loan data corresponding to the loan renewal business.

[0045] After obtaining the amount to be repaid and the updated repayment period through steps S201 to S204, the loan accounting system updates the loan data corresponding to the loan account, for example, updates the repayment period, repayment plan, repayment interest rate, etc. corresponding to the loan account.

[0046] It should be noted that since all the processing of the renewal loan transaction is based on the original debt, the transaction details and form changes of the loan account of the original loan before and after the renewal loan are continuous, and all historical details can be queried at the customer level and post-loan monitoring level. After that, when the loan customer inquires about the loans under his name, he can query a loan through the loan account of the original loan, and the loan includes the original loan and the renewal loan.

[0047] Based on the scheme defined by the above steps S201 to S205, it can be known that in the embodiment of the present application, the renewal loan is realized on the original debt item of the original loan, that is, the renewal loan amount of the renewal loan is not used to settle the original loan, but as the amount to be repaid of the original loan, and the loan account of the original loan is used as the loan account of the renewal loan, thereby ensuring the consistency of the loan transaction, reducing the risk of wrong account, and providing a basis for the accurate assessment of the loan customer. In addition, in the embodiment of the present application, the unpaid data of the original loan is converted into principal, and the converted principal and the renewal loan amount are used as the amount to be repaid of the loan account. At the same time, the repayment period of the loan account is updated according to the renewal loan cycle, so that the repayment transaction history before and after the renewal loan has coherence, reducing the risk of inaccurate assessment of the loan customer's repayment ability caused by the isolation of the repayment transactions before and after the renewal loan, and improving the accuracy of the loan customer's repayment ability assessment.

[0048] The following is an explanation of the implementation process of the method provided in the embodiment of the present application.

[0049] Before converting the unpaid data into principal and obtaining the converted principal, the loan accounting system needs to determine the effective date of the loan renewal, where the effective date of the loan renewal can be an immediate effective date, that is, the date when the loan renewal is approved; the effective date of the loan renewal can also be a pre-set date, for example, the effective date agreed upon by the loan customer and the financial institution. After the loan renewal takes effect, the loan accounting system updates the overdue record information of the original loan.

[0050] Specifically, the loan accounting system first obtains the overdue record information corresponding to the original loan, then clears the overdue record information and updates the credit data corresponding to the loan account.

[0051] In one example, the loan accounting system updates the overdue record information of the loan account, mainly clearing the overdue principal and overdue interest of the original loan account, so that the overdue principal and overdue interest of the loan account are changed from existence to non-existence, and the accounting records are transferred from the overdue account to the normal account. In addition, after the overdue record information of the loan account is deleted, the credit data of the loan customer will also be updated synchronously.

[0052] It should be noted that for loan customers, loan renewal re-negotiates the repayment period, repayment interest rate and repayment plan, and can even increase the loan amount. The loan is a brand new status. Therefore, before processing the loan renewal business, the overdue record of the original loan should be updated first to return the original loan to normal status.

[0053] After updating the overdue record information of the original loan, the loan accounting system converts the principal of the unpaid data of the original loan.

[0054] Specifically, the loan accounting system first obtains a renewal contract for the renewal loan, and when the renewal contract indicates that at least part of the unpaid data should be converted into principal, the system obtains the data to be converted from the unpaid data, and performs principal conversion on the data to be converted to obtain the converted principal.

[0055] In the above embodiment, the data to be converted includes at least part of the unpaid data in the unpaid data. For example, the loan customer and the financial institution agree in the loan renewal contract to use all the interest in the unpaid data as the data to be converted. In this scenario, the loan accounting system will process the unpaid interest as the principal. For another example, the loan customer and the financial institution agree in the loan renewal contract to use all the assessment fees in the unpaid data as the data to be converted. In this scenario, the loan accounting system will process the unpaid assessment fees as the principal. For another example, the loan customer and the financial institution agree in the loan renewal contract to use part of the unpaid interest and / or part of the unpaid assessment fees in the unpaid data as the data to be converted. In this scenario, the loan accounting system will process part of the unpaid interest and / or part of the unpaid assessment fees in the unpaid data as the principal. For another example, the loan customer and the financial institution agree in the loan renewal contract to use all the data in the unpaid data as the data to be converted. In this scenario, the loan accounting system will process all the data in the unpaid data as the principal.

[0056] In one embodiment, the Figure 3 The principal conversion method shown is used to convert the principal of the unpaid data. The process includes the following steps:

[0057] Step S301, obtaining the unpaid principal, unpaid interest and unpaid assessment fee from the data to be converted;

[0058] Step S302, converting the unpaid interest into principal to obtain principalized interest;

[0059] Step S303, capitalizing the unpaid assessment fees to obtain capitalized fees;

[0060] Step S304, calculate the sum of the unpaid principal, the principalized interest and the principalized fees to obtain the converted principal.

[0061] In one example, an interest table and an assessment fee table are stored in the loan accounting system, wherein the interest table includes interest-related data in the loan data of the original loan, such as the interest for each repayment period, the method of calculating the interest, etc.; the assessment fee table includes data related to the assessment of loan customers, such as the projects for assessing loan customers, the assessment fee for each assessment project, etc.

[0062] For capitalized interest, the loan accounting system adds a capitalized amount field in the interest table to store the amount of interest that has been capitalized. The initial value of this field is zero. After adding the capitalized amount field to the interest table, the loan accounting system modifies the calculation formula for the interest payable to:

[0063] Interest payable = accrued interest - interest paid - principalized interest.

[0064] During the loan renewal process, the loan accounting system assigns all current interest payable to the principalized interest field, and the recalculated interest payable amount is 0. The loan accounting system then adds the interest payable before principalization to the principal balance field to increase the principal balance.

[0065] For capitalized expenses, the loan accounting system adds a capitalized amount field in the assessment expense table to save the amount of expenses that have been capitalized, where the initial value of this field is zero. After adding the capitalized amount field to the assessment expense table, the loan accounting system modifies the calculation formula of the payable expenses to: payable expenses = assessment expenses - paid expenses - capitalized expenses. During the loan renewal process, the loan accounting system assigns all current payable expenses to the capitalized expense field, and the recalculated payable expense amount is zero. The loan accounting system then adds the payable expenses before capitalization to the principal balance field to increase the principal balance.

[0066] It should be noted that in the embodiment of the present application, the loan accounting system can convert the accrued interest or assessment fees before the loan renewal into principal according to the terms in the loan renewal contract signed between the loan customer and the financial institution, that is, the interest capitalization and the fee capitalization, so as to reduce the accrued interest or assessment fees to zero and increase the corresponding principal balance at the same time. In addition, the loan renewal contract can make another loan based on the balance of the original loan.

[0067] In another embodiment, when the loan renewal contract indicates that principal conversion of unpaid data is prohibited, the loan accounting system obtains the unpaid principal, unpaid interest and unpaid assessment fees from the unpaid data, and determines the unpaid principal and the loan renewal amount as the amount to be repaid corresponding to the loan account; then, the unpaid interest is determined as the loan renewal interest corresponding to the loan renewal, and the unpaid assessment fee is determined as the loan renewal assessment fee corresponding to the loan renewal.

[0068] That is, when the loan customer and the financial institution agree not to convert the unpaid interest and unpaid assessment fees into principal, the loan accounting system will treat the unpaid interest as the renewal interest for the renewal loan and allocate it to each repayment period. For example, the unpaid interest is averaged according to the renewal period (for example, 12 months), and the average interest is evenly allocated to each repayment period (for example, each month); similarly, the loan accounting system will also treat the unpaid assessment fees as the renewal assessment fees for the renewal loan and allocate them to each repayment period.

[0069] It should be noted that whether the unpaid data needs to be principalized can be negotiated between the loan customer and the financial institution, and the negotiation results can be written into the loan renewal contract; it can also be enforced by the financial institution.

[0070] Furthermore, after the principal conversion process is performed on the unpaid data, the loan accounting system can calculate the sum of the converted principal and the renewal loan amount to obtain the outstanding amount of the loan account corresponding to the original loan. At the same time, the loan accounting system can also update the repayment period corresponding to the original loan according to the renewal loan cycle.

[0071] Specifically, the loan accounting system first obtains the renewal effective date of the renewal loan, and then determines the renewal term corresponding to the renewal loan based on the renewal effective date and the renewal cycle; then the repayment term corresponding to the original loan is adjusted to the renewal term to obtain the updated repayment term.

[0072] In one embodiment, the loan renewal effective date can be an immediate effective date or a pre-set effective date. When a loan customer applies for a loan renewal, after passing the review and approval of the loan process system, the loan renewal transaction of the loan accounting system can be immediately called up, or the effective date of the loan renewal can be set, and the loan renewal will be initiated regularly by the batch processing of the loan accounting system. After the loan renewal takes effect, the loan renewal period is calculated through the loan renewal cycle. For example, if the loan renewal effective date is January 1, 2024, and the loan renewal cycle is 1 year, the loan renewal period is January 1, 2025; regardless of the repayment period of the original loan, the loan review system will adjust the repayment period of the original loan to January 1, 2025.

[0073] Furthermore, after determining the loan amount corresponding to the loan account and updating the repayment period of the original loan, the loan accounting system updates the loan data of the loan account based on the amount to be repaid and the updated repayment period.

[0074] In one embodiment, the loan accounting system updates the unpaid amount in the loan account to the amount to be repaid, and updates the repayment period corresponding to the loan account to the updated repayment period; and determines the repayment amount corresponding to each repayment period based on the amount to be repaid, the updated repayment period, the repayment plan and the repayment interest rate; then, the amount to be repaid, the updated repayment period and the repayment amount corresponding to each repayment period are updated to the loan data corresponding to the loan account to obtain the loan data corresponding to the loan renewal business.

[0075] In the above embodiment, the loan renewal data also includes the repayment plan and the repayment interest rate. For the repayment plan, the loan customer can sign a loan renewal contract with the financial institution and adjust the loan repayment date, repayment period (for example, monthly repayment, quarterly repayment, annual repayment), and repayment method (monthly interest payment, equal principal repayment, equal principal and interest repayment) of each period according to the provisions of the loan renewal contract. The loan accounting system can also perform a trial calculation on the amount to be repaid in each period so that the loan customer can choose a suitable repayment plan.

[0076] For the repayment interest rate, the loan customer can sign a loan renewal contract with the financial institution and adjust the loan pricing elements according to the provisions of the loan renewal contract, among which the pricing elements may also include but are not limited to the pricing benchmark (LPR market interest rate, bank's own funding cost), plus or minus points and floating ratio, repricing cycle (adjustment at the beginning of the year, adjustment for the year and day), and penalty interest floating ratio. The loan accounting system can also customize the effective date and expiration date of the interest rate plan according to the requirements of the loan customer.

[0077] In one example, Figure 4 The entire process of loan renewal is shown. Figure 4 As shown, the process is as follows:

[0078] The loan customer applies for a loan renewal and submits the relevant materials for the loan renewal application. The business personnel of the financial institution will review and approve the loan renewal application of the loan customer through the loan process system in accordance with the application process of the new loan, and continue to determine the effective method of the loan renewal after the review and approval are completed. When the loan renewal is effective immediately, the loan accounting system will determine the date of approval of the loan renewal application as the effective date of the loan renewal; when the loan renewal is effective by agreement, the loan accounting system will determine the pre-set effective date as the effective date of the loan renewal.

[0079] After determining the effective date of the loan renewal, the loan accounting system updates the overdue record information of the original loan. Then it checks whether the unpaid interest in the original loan is to be capitalized. If the unpaid interest is to be capitalized, the unpaid interest is converted into principal, that is, capitalized interest, and the capitalized interest is determined as credit interest in the general ledger system, and the debit principal of the loan account of the original loan is updated; if the unpaid interest does not need to be capitalized, it further checks whether the unpaid assessment fee in the original loan is to be capitalized. If the unpaid assessment fee is to be capitalized, the unpaid assessment fee is converted into principal, that is, capitalized fee, and the capitalized fee is determined as credit fee in the general ledger system, and the debit principal of the loan account of the original loan is updated; if the unpaid assessment fee does not need to be capitalized, it further checks whether the loan can be issued here; if the loan can be issued, the loan accounting system issues the loan to the loan account corresponding to the original loan and updates the credit deposit in the general ledger system.

[0080] When the loan is disbursed or not, the repayment period, repayment plan, repayment interest rate, etc. of the loan account can be adjusted to update the loan data corresponding to the loan account.

[0081] After the renewal account opening and loan disbursement are completed, the loan customer will only have one loan in his or her name. When the loan customer inquires about the loans under his or her name, he or she can only find one loan, and the original overdue record of the loan has been deleted. Therefore, the loan customer’s credit data does not include the original overdue record of the loan.

[0082] This concludes the introduction to the method provided in the embodiments of the present application.

[0083] As can be seen from the above content, the method provided by the embodiment of the present application realizes the renewal of the loan based on the renewal of the original debt. This method can keep the loan account of the original loan unchanged. On the one hand, it optimizes the credit record of the loan customer, with only one loan record; on the other hand, it optimizes the risk control and regulatory data, and the transaction history of the loan has continuity, providing a more comprehensive credit behavior tracking for risk control and supervision. In addition, in the embodiment of the present application, the loans before and after the renewal are all traded on the same loan, which effectively ensures the consistency of the transaction and reduces the risk of wrong accounts. Finally, the method provided by the embodiment of the present application also adopts the idea of ​​parameterization and modularization, and takes the renewal effective date, whether the interest is principalized, whether the fees are principalized, whether to lend again, the loan amount, the new due date, the repayment period, the repayment method, the repayment date, the interest rate pricing benchmark, the interest rate floating method, the interest rate floating ratio, the interest rate repricing cycle, etc. as combination parameters, supports the configuration of a unified control process at the product level, and can also support the negotiation with the customer at the contract level to set up customized processing, with extremely high flexibility.

[0084] Based on the processing method of the loan renewal business provided in the above embodiment, accordingly, the present application also provides a specific implementation of the processing device of the loan renewal business. Please refer to the following embodiment.

[0085] See first Figure 5 The processing device 500 for the loan renewal business provided in the embodiment of the present application includes: a data acquisition module 501, a data conversion module 502, a repayment update module 503, a term update module 504 and a data update module 505.

[0086] The data acquisition module 501 is used to acquire the original loan data of the original loan and the renewal loan data of the renewal loan when the renewal loan of the original loan is approved, wherein the original loan data at least includes the loan account number and the outstanding data of the original loan, and the renewal loan data at least includes the renewal loan amount and the renewal loan period of the renewal loan;

[0087] The data conversion module 502 is used to perform principal conversion processing on the unpaid data to obtain the converted principal;

[0088] The repayment update module 503 is used to determine the amount to be repaid corresponding to the loan account based on the converted principal and the renewal loan amount;

[0089] The term update module 504 is used to update the repayment term corresponding to the original loan according to the loan renewal cycle to obtain an updated repayment term;

[0090] The data updating module 505 is used to update the loan data of the loan account based on the amount to be repaid and the updated repayment period to obtain the loan data corresponding to the loan renewal business.

[0091] In one example, the data conversion module includes: a contract acquisition module and a sub-conversion module. The contract acquisition module is used to obtain a renewal contract for a renewal loan; the sub-conversion module is used to obtain the data to be converted from the unpaid data, and perform principal conversion on the data to be converted to obtain the converted principal when the renewal contract indicates that at least part of the unpaid data is to be converted into principal.

[0092] In one example, the sub-conversion module is specifically used to obtain the unpaid principal, unpaid interest and unpaid assessment fees from the data to be converted; to capitalize the unpaid interest to obtain the principalized interest; to capitalize the unpaid assessment fees to obtain the principalized fees; and to calculate the sum of the unpaid principal, the principalized interest and the principalized fees to obtain the converted principal.

[0093] In one example, the data conversion module is also used to, after obtaining a renewal contract for a renewal loan, obtain the unpaid principal, unpaid interest and unpaid assessment fees from the unpaid data when the renewal contract indicates that principal conversion of the unpaid data is prohibited; determine the unpaid principal and the renewal loan amount as the amount to be repaid corresponding to the loan account; determine the unpaid interest as the renewal loan interest corresponding to the renewal loan, and determine the unpaid assessment fee as the renewal loan assessment fee corresponding to the renewal loan.

[0094] In one example, the term update module is specifically used to obtain the renewal effective date of the renewal loan; determine the renewal term corresponding to the renewal loan based on the renewal effective date and the renewal cycle; adjust the repayment term corresponding to the original loan to the renewal term, and obtain the updated repayment term.

[0095] In one example, the loan renewal data also includes a repayment plan and a repayment interest rate, wherein the data update module is specifically used to update the unpaid amount in the loan account to the amount to be repaid, and to update the repayment period corresponding to the loan account to the updated repayment period; determine the repayment amount corresponding to each repayment period based on the amount to be repaid, the updated repayment period, the repayment plan and the repayment interest rate; update the amount to be repaid, the updated repayment period and the repayment amount corresponding to each repayment period to the loan data corresponding to the loan account, and obtain the loan data corresponding to the loan renewal business.

[0096] In one example, the processing device for the loan renewal business also includes: an overdue update module, which is used to obtain the overdue record information corresponding to the original loan before converting the unpaid data into principal and obtaining the converted principal; clearing the overdue record information and updating the credit data corresponding to the loan account.

[0097] Each module of the processing device for loan renewal business provided in the embodiment of the present application can realize Figure 2 The functions of each step of the processing method for loan renewal business are provided, and the corresponding technical effects can be achieved. For the sake of concise description, they will not be repeated here.

[0098] Figure 6 A schematic diagram of the hardware structure of an electronic device provided in an embodiment of the present application is shown.

[0099] The electronic device may include a processor 601 and a memory 602 storing computer program instructions.

[0100] Specifically, the processor 601 may include a central processing unit (CPU), or an application specific integrated circuit (ASIC), or may be configured to implement one or more integrated circuits of the embodiments of the present application.

[0101] The memory 602 may include a large capacity memory for data or instructions. By way of example and not limitation, the memory 602 may include a hard disk drive (HDD), a floppy disk drive, a flash memory, an optical disk, a magneto-optical disk, a magnetic tape, or a universal serial bus (USB) drive or a combination of two or more of these. In appropriate cases, the memory 602 may include a removable or non-removable (or fixed) medium. In appropriate cases, the memory 602 may be inside or outside the integrated gateway disaster recovery device. In a specific embodiment, the memory 602 is a non-volatile solid-state memory.

[0102] The memory may include read-only memory (ROM), random access memory (RAM), magnetic disk storage media devices, optical storage media devices, flash memory devices, electrical, optical or other physical / tangible memory storage devices. Thus, typically, the memory includes one or more tangible (non-transitory) computer-readable storage media (e.g., memory devices) encoded with software including computer-executable instructions, and when the software is executed (e.g., by one or more processors), it is operable to perform the operations described with reference to the method according to one aspect of the present application.

[0103] The processor 601 reads and executes the computer program instructions stored in the memory 602 to implement any one of the loan renewal business processing methods in the above embodiments.

[0104] In one example, the electronic device may further include a communication interface 603 and a bus 610. Figure 6 As shown, the processor 601, the memory 602, and the communication interface 603 are connected via a bus 610 and communicate with each other.

[0105] The communication interface 603 is mainly used to implement communication between various modules, devices, units and / or equipment in the embodiments of the present application.

[0106] Bus 610 includes hardware, software or both, and the parts of electronic equipment are coupled to each other. For example, but not limitation, bus may include accelerated graphics port (AGP) or other graphics bus, enhanced industrial standard architecture (EISA) bus, front side bus (FSB), hypertransport (HT) interconnection, industrial standard architecture (ISA) bus, infinite bandwidth interconnection, low pin count (LPC) bus, memory bus, micro channel architecture (MCA) bus, peripheral component interconnection (PCI) bus, PCI-Express (PCI-X) bus, serial advanced technology attachment (SATA) bus, video electronics standard association local (VLB) bus or other suitable bus or two or more of these combinations. In appropriate cases, bus 610 may include one or more buses. Although the present application embodiment describes and shows a specific bus, the application considers any suitable bus or interconnection.

[0107] The processing method of the loan renewal business in the above embodiment can be implemented by providing a computer storage medium in the embodiment of the present invention. The computer storage medium stores computer program instructions; when the computer program instructions are executed by the processor, any one of the processing methods of the loan renewal business in the above embodiment is implemented.

[0108] An embodiment of the present application also provides a computer program product, including a computer program, which, when executed, implements any one of the loan renewal business processing methods in the above embodiments.

[0109] It should also be noted that the exemplary embodiments mentioned in this application describe some methods or systems based on a series of steps or devices. However, this application is not limited to the order of the above steps, that is, the steps can be performed in the order mentioned in the embodiment, or in a different order from the embodiment, or several steps can be performed simultaneously.

[0110] The above refers to the flowcharts and / or block diagrams of the processing methods, devices, electronic devices, storage media and products of the renewal loan business according to the embodiments of the present disclosure, which describe various aspects of the present disclosure. It should be understood that each box in the flowchart and / or block diagram and the combination of boxes in the flowchart and / or block diagram can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, a special-purpose computer, or other programmable data processing device to produce a machine so that these instructions executed by the processor of the computer or other programmable data processing device enable the implementation of the functions / actions specified in one or more boxes of the flowchart and / or block diagram. Such a processor can be, but is not limited to, a general-purpose processor, a special-purpose processor, a special application processor or a field programmable logic circuit. It can also be understood that each box in the block diagram and / or flowchart and the combination of boxes in the block diagram and / or flowchart can also be implemented by dedicated hardware that performs the specified function or action, or can be implemented by a combination of dedicated hardware and computer instructions.

[0111] The above are only specific implementation methods of the present application. Those skilled in the art can clearly understand that for the convenience and simplicity of description, the specific working processes of the systems, modules and units described above can refer to the corresponding processes in the aforementioned method embodiments, and will not be repeated here. It should be understood that the protection scope of the present application is not limited to this. Any technician familiar with the technical field can easily think of various equivalent modifications or replacements within the technical scope disclosed in this application, and these modifications or replacements should be included in the protection scope of this application.

Claims

1. A method for processing loan renewal business, characterized in that: include: When the renewal of the original loan is approved, obtaining the original loan data of the original loan and the renewal loan data of the renewal loan, wherein the original loan data at least includes the loan account number and the outstanding data of the original loan, and the renewal loan data at least includes the renewal loan amount of the renewal loan and the renewal loan period of the renewal loan; Performing principal conversion processing on the unpaid data to obtain the converted principal; Determine the amount to be repaid corresponding to the loan account based on the converted principal and the renewal loan amount; The repayment period corresponding to the original loan is updated according to the loan renewal cycle to obtain an updated repayment period; The loan data of the loan account is updated based on the amount to be repaid and the updated repayment period to obtain loan data corresponding to the loan renewal business.

2. The method according to claim 1, characterized in that The unpaid data is converted into principal to obtain the converted principal, including: Obtaining a loan renewal contract for the loan renewal; In the case where the loan renewal contract indicates that at least part of the unpaid data is to be converted into principal, the data to be converted is obtained from the unpaid data, and the data to be converted is converted into principal to obtain the converted principal.

3. The method according to claim 2, characterized in that The data to be converted is subjected to principal conversion processing to obtain the converted principal, including: Obtaining the unpaid principal, unpaid interest and unpaid assessment fee from the data to be converted; The unpaid interest is converted into principal to obtain principalized interest; Principalizing the unpaid assessment fees to obtain principalized fees; The sum of the unpaid principal, the principalized interest and the principalized fees is calculated to obtain the converted principal.

4. The method according to claim 2, characterized in that: After obtaining the renewal loan contract for the renewal loan, the method further includes: In the case where the renewal contract indicates that the principal conversion processing of the unpaid data is prohibited, obtaining the unpaid principal, unpaid interest and unpaid assessment fee from the unpaid data; Determine the unpaid principal and the renewal loan amount as the amount to be repaid corresponding to the loan account; The unpaid interest is determined as the renewal interest corresponding to the renewal loan, and the unpaid assessment fee is determined as the renewal assessment fee corresponding to the renewal loan.

5. The method according to claim 1, characterized in that The repayment period corresponding to the original loan is updated according to the renewal loan cycle to obtain an updated repayment period, including: Obtain the renewal effective date of the renewal loan; Determine the loan renewal period corresponding to the loan renewal according to the loan renewal effective date and the loan renewal period; The repayment period corresponding to the original loan is adjusted to the renewal loan period to obtain the updated repayment period.

6. The method according to claim 1, characterized in that The loan renewal data also includes a repayment plan and a repayment interest rate, wherein the loan data of the loan account is updated based on the amount to be repaid and the updated repayment period to obtain loan data corresponding to the loan renewal business, including: The unpaid amount in the loan account is updated to the amount to be repaid, and the repayment period corresponding to the loan account is updated to the updated repayment period; Determine the repayment amount corresponding to each repayment period according to the amount to be repaid, the updated repayment period, the repayment plan, and the repayment interest rate; The amount to be repaid, the updated repayment period and the repayment amount corresponding to each repayment period are updated to the loan data corresponding to the loan account to obtain the loan data corresponding to the loan renewal business.

7. The method according to claim 1, characterized in that Before converting the unpaid data into principal to obtain the converted principal, the method further includes: Obtaining overdue record information corresponding to the original loan; The overdue record information is cleared and the credit data corresponding to the loan account is updated.

8. A processing device for loan renewal business, characterized in that: include: A data acquisition module, for acquiring original loan data of the original loan and renewal loan data of the renewal loan when the renewal loan of the original loan is approved, wherein the original loan data at least includes the loan account number and the outstanding data of the original loan, and the renewal loan data at least includes the renewal loan amount of the renewal loan and the renewal loan period of the renewal loan; A data conversion module, used to perform principal conversion processing on the unpaid data to obtain the converted principal; A repayment update module, used to determine the amount to be repaid corresponding to the loan account based on the converted principal and the renewal loan amount; A term update module, used to update the repayment term corresponding to the original loan according to the loan renewal cycle to obtain an updated repayment term; The data updating module is used to update the loan data of the loan account based on the amount to be repaid and the updated repayment period to obtain the loan data corresponding to the loan renewal business.

9. An electronic device, characterized in that: The electronic device comprises: a processor and a memory storing computer program instructions; when the processor executes the computer program instructions, the method for processing the loan renewal business as described in any one of claims 1-7 is implemented.

10. A computer-readable storage medium, characterized in that: The computer-readable storage medium stores computer program instructions, and when the computer program instructions are executed by the processor, the method for processing the loan renewal business as described in any one of claims 1-7 is implemented.

11. A computer program product, characterized in that When the instructions in the computer program product are executed by the processor of an electronic device, the electronic device is enabled to execute the method for processing loan renewal business as described in any one of claims 1 to 7.

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