Loan five-level classification method and device, computer equipment and readable storage medium

Abstract

The invention relates to the field of data processing, and provides a loan five-level classification method and device, computer equipment and a computer readable storage medium, and the method comprises the steps: receiving background batch tasks submitted by a user, the background batch tasks carrying task basic information used for indicating task scheduling and execution; determining loans needing to be subjected to five-level classification according to the task basic information; if the loan is an asset reorganization loan, does not have an asset reorganization exemption application and is not in an observation period, obtaining a system five-level classification rule of the asset reorganization loan according to at least one of an out-of-period rule, a bad up-regulation rule and a multiple reorganization rule; and performing five-level classification on the loan according to the system five-level classification rule to obtain a system five-level classification result. By adopting the embodiment of the invention, the condition that the five-level classification result of the partial recombined loan is abnormal due to the change of the supervision rule is avoided, so that the consistency of the data is improved.

Description

Technical Field

[0001] The present application relates to the fields of data processing and financial technology, and in particular to a five-level loan classification method, apparatus, computer equipment and computer-readable storage medium. Background Art

[0002] The five-level classification means that commercial banks classify their assets into five levels according to the inherent risk level of their assets, namely normal, special mention, substandard, doubtful and loss. The risk classification of credit assets is based on default risk. According to the business type classification and quality of the loan, loans are divided into different grades according to the corresponding standards. Relying on the quantitative and qualitative indicators of relevant risks in the credit business system, according to the regulatory risk classification rules of the regulatory authorities, and comprehensively considering the borrower's overdue repayment default risk classification and debt analysis characteristics, the final five-level classification results are obtained. However, due to changes in the economic situation, the financial regulatory authorities have made multiple adjustments and clarified and refined the risk classification rules for restructuring type loans since 2020. Since the restructuring loan business scenario is very complex, changes in regulatory rules will cause abnormal five-level classification results for some restructuring loans, resulting in problems with data consistency.

[0003] Therefore, how to avoid abnormal five-level classification results of some restructured loans due to changes in regulatory rules in order to improve data consistency has become a technical problem that needs to be solved urgently. Summary of the invention

[0004] The main purpose of this application is to provide a five-level loan classification method, device, computer equipment and computer-readable storage medium, aiming to avoid abnormal five-level classification results of some restructured loans due to changes in regulatory rules, so as to improve the technical problem of data consistency.

[0005] To achieve the above purpose, the present application provides a five-level loan classification method, which includes the following steps:

[0006] Receive background batch tasks submitted by users, wherein the background batch tasks carry basic task information for instructing task scheduling and execution;

[0007] Determine the loans that need to be classified into five categories according to the basic information of the task;

[0008] If the loan is an asset restructuring loan and there is no asset restructuring exemption application and it is not in the observation period, then the system five-level classification rule of the asset restructuring loan is obtained according to at least one of the de-periodization rule, the non-performing loan adjustment rule and the multiple restructuring rule;

[0009] The loans are classified into five categories according to the five-category classification rule of the system to obtain the result of the five-category classification of the system.

[0010] In addition, to achieve the above purpose, the present application also provides a five-level loan classification device, the five-level loan classification device comprising:

[0011] A task receiving unit, used to receive background batch tasks submitted by users, wherein the background batch tasks carry basic task information for instructing task scheduling and execution;

[0012] A loan determination unit, used for determining loans that need to be classified into five levels according to the task basic information;

[0013] A system five-level classification rule acquisition unit, for obtaining the system five-level classification rule of the asset restructuring loan according to at least one of the de-periodization rule, the bad debt increase rule and the multiple restructuring rule, if the loan is an asset restructuring loan and there is no asset restructuring exemption application and the loan is not in the observation period;

[0014] The system five-level classification unit is used to classify the loan into five levels according to the system five-level classification rules to obtain the system five-level classification result.

[0015] In addition, to achieve the above-mentioned purpose, the present application also provides a computer device, which includes a processor, a memory, and a five-level loan classification program stored in the memory and executable by the processor, wherein when the five-level loan classification program is executed by the processor, the steps of the five-level loan classification method as described above are implemented.

[0016] In addition, to achieve the above-mentioned purpose, the present application also provides a computer-readable storage medium, on which a five-level loan classification program is stored, wherein when the five-level loan classification program is executed by a processor, the steps of the five-level loan classification method as described above are implemented.

[0017] The present application provides a five-level classification method, device, computer equipment and computer-readable storage medium for loans, the method includes receiving a background batch task submitted by a user, the background batch task carries basic task information for indicating task scheduling and execution; according to the basic task information, the loan that needs to be classified into five levels can be determined; then determine whether the loan is an asset restructuring loan, if the loan is an asset restructuring loan, then further determine whether there is an asset restructuring exemption application and whether it is in an observation period; when the asset restructuring loan does not have an asset restructuring exemption application and is not in an observation period, obtain a system five-level classification rule according to at least one of the de-periodization rule, the bad debt increase rule and the multiple restructuring rule, and then implement the five-level classification of the loan according to the system five-level classification rule, and obtain the result of the system five-level classification. First, the process can filter out the five-level classification error caused by the wrong configuration of the asset restructuring rule for non-asset restructuring loans through process settings, as well as the situation of the wrong five-level classification in the asset restructuring loan due to the existence of exemption or being in the observation period; secondly, even if the regulatory rules change, the system five-level classification rules can be adjusted according to at least one of the de-periodization rule, the bad debt increase rule and the multiple restructuring rule to perform the system five-level classification. It can be seen that the five-level loan classification method, device, computer equipment and computer-readable storage medium provided by the present application can not only avoid abnormal five-level classification results of some restructured loans due to changes in regulatory rules, but at least can screen out through process settings the five-level classification errors caused by incorrect configuration of asset restructuring rules for non-asset restructuring loans, as well as the incorrect five-level classification of asset restructuring loans due to exemptions or being in the observation period, thereby improving data consistency. BRIEF DESCRIPTION OF THE DRAWINGS

[0018] Figure 1 A flowchart of a five-level loan classification method provided for this application;

[0019] Figure 2 A flowchart of another five-level loan classification method provided for this application;

[0020] Figure 3 A functional module diagram of a five-level loan classification device is provided for an embodiment of the present application;

[0021] Figure 4 A schematic block diagram of the structure of a computer device provided in an embodiment of the present application.

[0022] The realization of the purpose, functional features and advantages of this application will be further explained in conjunction with embodiments and with reference to the accompanying drawings. DETAILED DESCRIPTION

[0023] The following will be combined with the drawings in the embodiments of the present application to clearly and completely describe the technical solutions in the embodiments of the present application. Obviously, the described embodiments are part of the embodiments of the present application, not all of the embodiments. Based on the embodiments in the present application, all other embodiments obtained by ordinary technicians in this field without creative work are within the scope of protection of this application.

[0024] The flowcharts shown in the accompanying drawings are only examples and do not necessarily include all the contents and operations / steps, nor must they be executed in the order described. For example, some operations / steps may also be decomposed, combined or partially merged, so the actual execution order may change according to actual conditions.

[0025] It should be understood that the terms used in this application specification are only for the purpose of describing specific embodiments and are not intended to limit the application. As used in this application specification and the appended claims, unless the context clearly indicates otherwise, the singular forms "a", "an" and "the" are intended to include plural forms.

[0026] It should be further understood that the term “and / or” used in the specification and appended claims refers to any combination and all possible combinations of one or more of the associated listed items, and includes these combinations.

[0027] The five-level loan classification method involved in the embodiment of the present application is mainly applied to computer equipment. The five-level loan classification equipment can be a PC, a portable computer, a mobile terminal, or other equipment with display and processing functions.

[0028] In conjunction with the accompanying drawings, some embodiments of the present application are described in detail below. In the absence of conflict, the following embodiments and features in the embodiments can be combined with each other.

[0029] Reference Figure 1 , Figure 1 A flowchart of a five-level loan classification method provided for this application.

[0030] like Figure 1 As shown, an embodiment of the present application provides a five-category loan classification method, which includes steps S101 to S104.

[0031] In this embodiment, the five-level loan classification method includes the following steps:

[0032] Step S101: receiving a background batch task submitted by a user, wherein the background batch task carries basic task information for instructing task scheduling and execution;

[0033] Among them, the background batch tasks can be submitted through the background batch task interface, and the background batch task interface can include at least one of the following: a setting interface, an execution (Executor) interface, a sharding interface, a scheduling record interface, a view (cat) log record interface, an associated workflow (workflow) interface, and a grayscale strategy setting interface.

[0034] The settings interface is used to set the basic configuration of the task, such as the job implementation class, the total number of job shards, the time interval in seconds for statistical processing data volume, load, cron expression, local mode, only using the priority executor, time zone, job importance level, priority executor, custom parameters, shard sequence number / parameter comparison table, job description information, etc.

[0035] Step S102: determining loans that need to be classified into five levels according to the task basic information;

[0036] Specifically, the loans that need to be classified into five levels are determined based on the task basic information. For example, the task basic information includes loans that need to be processed in batches. The loans that need to be processed in batches can be listed in a table, and each row in the table represents a loan that needs to be processed in batches. One column can be used to indicate whether the loans that need to be processed in batches need to be classified into five levels.

[0037] Step S103: If the loan is an asset restructuring loan and there is no asset restructuring exemption application and it is not in the observation period, then the system five-level classification rule of the asset restructuring loan is obtained according to at least one of the de-periodization rule, the non-performing loan adjustment rule and the multiple restructuring rule.

[0038] Furthermore, the method further comprises:

[0039] Determine whether the loan is an asset restructuring loan;

[0040] If the loan is a non-asset restructuring loan, then obtaining the system five-level classification rules for the non-asset restructuring loan, and performing the five-level classification of the loan according to the system five-level classification rules in step 1 to obtain the result of the system five-level classification;

[0041] If the loan is an asset restructuring loan, determine whether there is an asset restructuring exemption application for the asset restructuring loan;

[0042] If there is an asset restructuring exemption application for the asset restructuring loan, then execute the step to obtain the system five-level classification rules for the non-asset restructuring loan;

[0043] If there is no asset restructuring exemption application for the asset restructuring loan, determine whether the asset restructuring loan is in the observation period;

[0044] If the asset restructuring loan is in the observation period, the step of obtaining the system five-level classification rules of the non-asset restructuring loan is executed.

[0045] Specifically, whether the loan is an asset restructuring loan or a loan that needs to be processed in batches can be listed in a table, where each row in the table represents a loan that needs to be processed in batches, and one column can be used to represent the type of the loan that needs to be processed in batches, and the type can include at least one of the following: asset restructuring, deferred payment, and extension. If the type is identified as deferred payment and extension, the loan type is a non-asset restructuring type.

[0046] Among them, asset restructuring usually refers to a series of adjustments and restructuring activities carried out by enterprises in order to optimize asset structure, improve asset quality and enhance competitiveness. This may include but is not limited to the sale of non-core businesses, acquisition of other enterprises or part of their assets, and consolidation of similar items. Through these measures, enterprises can better concentrate resources and focus on their core competitiveness, while also helping to improve financial conditions and improve operational efficiency. Deferral usually refers to the act of temporarily reducing or suspending repayments for a certain period of time. For example, in economic difficulties or other special circumstances, borrowers can apply to lenders for deferred payments to alleviate short-term financial pressure. This arrangement is usually temporary and is intended to help borrowers tide over difficulties. Extension refers to the extension of the repayment period of a loan or debt. When a borrower is unable to repay the loan as originally planned, the repayment period can be extended by negotiation with the lender. This can alleviate the monthly repayment pressure to a certain extent, but it may increase the total interest expenditure.

[0047] If the loan is not an asset restructuring loan, the process of five-level classification of non-asset restructuring loans is entered, the system five-level classification rules of the non-asset restructuring loans are obtained, and the loan is classified into five levels according to the system five-level classification rules of the non-asset restructuring loans to obtain the result of the system five-level classification.

[0048] Specifically, if the loan is an asset restructuring loan, and if the asset restructuring type loan needs to implement the non-asset restructuring five-level classification rules, an exemption application can be initiated on the asset restructuring exemption application interface. The asset restructuring exemption application interface can provide exemption application approval for a single asset through a function button, and can also provide a template download for exemption application approval to conduct exemption application approval for batches of assets.

[0049] In addition, the asset restructuring exemption application interface can also include input query conditions to facilitate users to query according to the import date, and can also include an exemption application list display area for displaying asset exemption applications obtained by querying according to the import date. Each asset exemption application can list the batch number, batch status, number of imports, creation time, and operator of the asset, so as to more intuitively display the relevant information of the relevant asset exemption application.

[0050] Parallel to the asset restructuring exemption application interface is also the asset restructuring exemption approval interface, which can also include input query conditions for querying pending approval tasks based on batch numbers and / or application instructions; similarly, it can also include a pending approval task list display area for displaying pending approval tasks queried based on the input query conditions. Each pending approval task can list the batch number, batch status, number of imports, application instructions, creation time, operator, and track of the asset, so as to more intuitively display the relevant information of the relevant asset exemption application.

[0051] Similarly, if the asset restructuring loan is in the observation period, the five-level classification process of non-asset restructuring loans is also entered, the system five-level classification rules of the non-asset restructuring loans are obtained, and the loan is classified into five levels according to the system five-level classification rules of the non-asset restructuring loans to obtain the system five-level classification results.

[0052] The observation period (also called waiting period) refers to the period during which the five-level classification of asset restructuring is temporarily not carried out for a certain period after the effectiveness of the loan. The observation period can be preset or determined based on the minimum and maximum overdue days, and is not specifically limited here.

[0053] Specifically, if the loan is an asset restructuring loan and there is no asset restructuring exemption application and it is not in the observation period, then the system five-level classification rule of the asset restructuring loan is obtained according to at least one of the de-periodization rule, the non-performing loan adjustment rule and the multiple restructuring rule;

[0054] The delinquency rule is mainly used for loan risk management in banks or financial institutions. It determines the risk level of a loan based on the time the loan is overdue and the method of guarantee. Specifically, once a loan exceeds the scheduled repayment period and is not repaid in time, the credit system will automatically adjust the risk classification of the loan based on the number of days overdue. The longer the overdue period, the higher the default risk of the lender, so the loan may be classified into a higher risk category, such as changing from a normal loan to a special mention or even a non-performing loan.

[0055] The NPL upgrade rules refer to regulations that allow the risk classification of loans that have been marked as NPLs but show signs of improvement during the subsequent observation period to be adjusted upward. For example, if a loan is restructured and the borrower is able to repay on time and shows that the financial situation is improving, then according to these rules, the loan can be upgraded from the NPL category to a lower-risk category, such as from a NPL to a special mention loan. Such adjustments help to more accurately reflect the current credit status of the borrower and the true risk level of the loan.

[0056] Multiple restructuring rules refer to the regulations applicable to loans that have undergone one or more restructurings but have not yet returned to normal status. If a loan has been restructured, but the borrower still cannot fulfill its repayment obligations as agreed in the contract during the restructuring observation period, or its financial situation has not been substantially improved despite the repayment of the loan, then according to these rules, the loan may be further classified as a higher-risk loan, and may even eventually require legal means to recover.

[0057] The implementation of these rules helps financial institutions better manage and control credit risks, while also providing borrowers with opportunities to improve their credit status under certain conditions.

[0058] Step S104, classifying the loan into five categories according to the five-category classification rule of the system, and obtaining the result of the five-category classification of the system;

[0059] Specifically, the loan may be classified into five categories according to one of the delinquency rule, the bad debt adjustment rule and the multiple restructuring rule to obtain a result of the system five-category classification. For example, the worst result among the results of the five-category classification obtained by classifying the loan into five categories according to one of the delinquency rule, the bad debt adjustment rule and the multiple restructuring rule is taken as the result of the system five-category classification. More specifically, assuming that the loan is classified into five categories according to the delinquency rule and the result of the five-category classification is suspicious, the loan is classified into five categories according to the bad debt adjustment rule and the result of the five-category classification is loss, and the loan is classified into five categories according to the multiple restructuring rule and the result of the five-category classification is suspicious, then the result of the system five-category classification is determined to be suspicious.

[0060] Alternatively, the loan may be classified into five categories according to two of the delinquency rule, the bad debt adjustment rule and the multiple restructuring rule to obtain a result of the system five-category classification. For example, the same two of the results of the five-category classification obtained by classifying the loan into five categories according to the delinquency rule, the bad debt adjustment rule and the multiple restructuring rule may be used as the result of the system five-category classification. More specifically, assuming that the loan is classified into five categories according to the delinquency rule and the result of the five-category classification is suspicious, the loan is classified into five categories according to the bad debt adjustment rule and the result of the five-category classification is loss, and the loan is classified into five categories according to the multiple restructuring rule and the result of the five-category classification is suspicious, then the result of the system five-category classification is determined to be suspicious.

[0061] Alternatively, the loans may be classified into five categories according to three of the delinquency rule, the bad debt adjustment rule and the multiple restructuring rule to obtain the result of the system five-category classification. For example, a weight may be set for each of the five-category classification results of the delinquency rule, the bad debt adjustment rule and the multiple restructuring rule, and a total score may be calculated according to the five-category classification results of the delinquency rule, the bad debt adjustment rule and the multiple restructuring rule and their corresponding weights, and the result of the system five-category classification may be determined according to the interval in which the score lies.

[0062] It can be seen that the five-level classification method of loans provided by the present application includes receiving background batch tasks submitted by users, and the background batch tasks carry basic task information for indicating task scheduling and execution; according to the basic task information, the loans that need to be classified into five levels can be determined; and then determine whether the loan is an asset restructuring loan. If the loan is an asset restructuring loan, it is further determined whether there is an asset restructuring exemption application and whether it is in the observation period; when there is no asset restructuring exemption application for the asset restructuring loan and it is not in the observation period, the system five-level classification rules are obtained according to at least one of the de-periodization rule, the bad adjustment rule and the multiple restructuring rule, and then the five-level classification of the loan can be realized according to the system five-level classification rules to obtain the result of the system five-level classification. First, the process can filter out the five-level classification errors caused by the wrong configuration of asset restructuring rules for non-asset restructuring loans through process settings, as well as the erroneous five-level classification of asset restructuring loans due to the existence of exemptions or being in the observation period; secondly, even if the regulatory rules change, the system five-level classification rules can be adjusted according to at least one of the de-periodization rule, the bad adjustment rule and the multiple restructuring rule to perform the system five-level classification. It can be seen that the five-level loan classification method, device, computer equipment and computer-readable storage medium provided by the present application can not only avoid abnormal five-level classification results of some restructured loans due to changes in regulatory rules, but at least can screen out through process settings the five-level classification errors caused by incorrect configuration of asset restructuring rules for non-asset restructuring loans, as well as the incorrect five-level classification of asset restructuring loans due to exemptions or being in the observation period, thereby improving data consistency.

[0063] Furthermore, the method further comprises:

[0064] Determine whether there is a manual five-level classification for the loan;

[0065] If there is a manual five-level classification of the loan, the worst result between the result of the manual five-level classification and the result of the system five-level classification is used as the five-level classification result of the loan;

[0066] If there is no manual five-level classification for the loan, the result of the system's five-level classification will be used as the five-level classification result for the loan.

[0067] Among them, the manual five-level classification is manually added on the interface based on the relevant information of each loan. The results of the five-level classification include the following five categories: normal, attention, substandard, suspicious and loss, in descending order. For example, the result of normal is better than that of attention, the result of attention is better than that of substandard, the result of substandard is better than that of suspicious, and the result of suspicious is better than that of loss.

[0068] It can be seen that the five-level classification method for loans provided by the present application includes determining whether there is an artificial five-level classification for the loan; if there is an artificial five-level classification, the worst result between the result of the artificial five-level classification and the result of the system five-level classification is used as the five-level classification result of the loan; if there is no artificial five-level classification, the result of the system five-level classification is directly used as the five-level classification result of the loan. In this way, when the results of the artificial five-level classification and the system five-level classification are inconsistent, the worst classification result between the two is used as the final five-level classification result, thereby reducing system risk. It can be seen from this that the five-level classification method for loans provided by the present application can be classified by the result of the system five-level classification when there is only the result of the system five-level classification. When there are both the result of the system five-level classification and the result of the artificial five-level classification, the worst classification result between the two is used as the final five-level classification result, which is not only conducive to preventing the inconsistency of the data of the two, but also reduces the system risk.

[0069] Furthermore, before obtaining the system five-level classification rule according to at least one of the delinquency rule, the bad upward adjustment rule and the multiple reorganization rule, the method further includes:

[0070] In response to the user's operation on the asset reorganization five-level classification management interface, the asset reorganization five-level classification rules are configured, and the asset reorganization five-level classification rules include at least one of the following: the de-expiration rule, the bad debt increase rule and the multiple reorganization rule.

[0071] Among them, the five-level classification management interface of asset restructuring includes the deferred configuration rule management interface, the bad debt adjustment rule management interface, the multiple restructuring rule management interface and the general configuration setting interface. The deferred configuration rule management interface, the bad debt adjustment rule management interface and the multiple restructuring rule management interface are used to manage the corresponding rules respectively, which can query and display the classification rule details, and modify the five-level classification rule; the settings of the general configuration setting interface are applicable to the above three rules, such as setting the asset observation days mentioned above.

[0072] In the embodiment of the present application, in response to the user's operation on the five-level classification management interface for asset restructuring, the five-level classification rules for asset restructuring are configured, and the five-level classification rules for loans are configured, so that even if the regulatory rules change, real-time adjustments can be made quickly and conveniently, avoiding errors in the five-level classification results of restructured loans caused by changes in regulatory rules; at the same time, restructured loans and non-restructured loans can be flexibly switched to which five-level classification rules to adapt according to the configuration. For example, non-restructured loans need to be classified according to the five-level classification rules for restructured loans, and then they can be applied for approval in other restructuring type management, and restructured loans will be subject to the five-level classification of non-asset restructuring, and apply for exemption processing.

[0073] Reference Figure 2 , Figure 2A flowchart of another five-level loan classification method provided for this application.

[0074] like Figure 2 As shown, an embodiment of the present application provides a five-category loan classification method, which includes steps S201 to S212.

[0075] In this embodiment, the five-level loan classification method includes the following steps:

[0076] Step S201: receiving a background batch task submitted by a user, wherein the background batch task carries basic task information for instructing task scheduling and execution;

[0077] Step S202: determining loans that need to be classified into five levels according to the basic task information;

[0078] Step S203, determining whether the loan is an asset restructuring loan;

[0079] If the loan is a non-asset restructuring loan, execute step S204;

[0080] If the loan is an asset restructuring loan, step S205 is executed.

[0081] Step S204, obtaining the system five-level classification rules of the non-asset restructuring loan, and executing step S209;

[0082] Step S205, determining whether there is an asset restructuring exemption application for the asset restructuring loan;

[0083] If there is an asset restructuring exemption application for the asset restructuring loan, step S204 is executed.

[0084] If there is no asset restructuring exemption application for the asset restructuring loan, step S206 is executed.

[0085] Step S206, determining whether the asset restructuring loan is in the observation period;

[0086] If the asset restructuring loan is in the observation period, step S204 is executed.

[0087] If the asset restructuring loan is not in the observation period, execute step S207.

[0088] Step S207, in response to the user's operation on the asset reorganization five-level classification management interface, configure the asset reorganization five-level classification rules, wherein the asset reorganization five-level classification rules include at least one of the following: an expiration rule, a bad debt adjustment rule, and a multiple reorganization rule.

[0089] Step S208, obtaining a system five-level classification rule for the asset restructuring loan according to at least one of the delinquency rule, the bad debt adjustment rule and the multiple restructuring rule;

[0090] Step S209, classifying the loan into five categories according to the five-category classification rule of the system, and obtaining the result of the five-category classification of the system;

[0091] Step S210, determining whether the loan has been manually classified into five levels;

[0092] If the loan has a manual five-level classification, step S211 is executed.

[0093] If the loan does not have a manual five-level classification, step S212 is executed.

[0094] Step S211: The worst result between the result of the manual five-level classification and the result of the system five-level classification is used as the five-level classification result of the loan.

[0095] Step S212: Using the result of the five-level classification of the system as the result of the five-level classification of the loan.

[0096] The specific implementation methods of each step in the embodiments of the present application refer to the specific implementation methods of each step in the above embodiments, which will not be repeated here.

[0097] See also Figure 3 , Figure 3 A functional module diagram of a five-level loan classification device is provided for an embodiment of the present application.

[0098] like Figure 3 As shown, the five-level loan classification device includes:

[0099] The task receiving unit 301 is used to receive the background batch tasks submitted by the user, and the background batch tasks carry the basic task information for instructing task scheduling and execution;

[0100] A loan determination unit 302, configured to determine loans that need to be classified into five categories according to the task basic information;

[0101] A system five-level classification rule acquisition unit 303 is used to obtain the system five-level classification rule of the asset restructuring loan according to at least one of the de-periodization rule, the non-performing loan increase rule and the multiple restructuring rule if the loan is an asset restructuring loan and there is no asset restructuring exemption application and it is not in the observation period;

[0102] The system five-level classification unit 304 is used to classify the loan into five levels according to the system five-level classification rules to obtain a system five-level classification result.

[0103] Furthermore, the system five-level classification rule acquisition unit 303 is also used for:

[0104] If the loan is a non-asset restructuring loan, then the system five-level classification rules for the non-asset restructuring loan are obtained, and the five-level classification of the loan is performed according to the system five-level classification rules in the execution step to obtain the result of the system five-level classification.

[0105] Furthermore, the device also includes:

[0106] A manual five-level classification unit 305, used to determine whether the loan has a manual five-level classification;

[0107] The loan five-level classification unit 306 is used to take the worst result of the manual five-level classification result and the system five-level classification result as the five-level classification result of the loan if the loan has a manual five-level classification.

[0108] Furthermore, the five-level loan classification unit 306 is also used for:

[0109] If there is no manual five-level classification for the loan, the result of the system's five-level classification will be used as the five-level classification result for the loan.

[0110] Furthermore, the system five-level classification rule acquisition unit 303 is also used for:

[0111] If there is an asset restructuring exemption application for the asset restructuring loan, the step of obtaining the system five-level classification rules for the non-asset restructuring loan is executed.

[0112] Furthermore, the system five-level classification rule acquisition unit 303 is also used for:

[0113] If the asset restructuring loan is in the observation period, the step of obtaining the system five-level classification rules of the non-asset restructuring loan is executed.

[0114] Furthermore, before obtaining the system five-level classification rule of the asset restructuring loan according to at least one of the delinquency rule, the bad debt adjustment rule and the multiple restructuring rule, the device further includes:

[0115] The classification rule configuration unit 307 is used to respond to the user's operation on the asset reorganization five-level classification management interface and configure the asset reorganization five-level classification rules, wherein the asset reorganization five-level classification rules include at least one of the following: the de-expiration rule, the bad debt increase rule and the multiple reorganization rule.

[0116] It should be noted that those skilled in the art can clearly understand that, for the convenience and brevity of description, the specific working process of the above-described device and each module can refer to the corresponding process in the aforementioned method embodiment, and will not be repeated here.

[0117] The above-mentioned device can be implemented in the form of a computer program. Figure 4 Runs on the computer device shown.

[0118] See also Figure 4 , Figure 4 A schematic block diagram of the structure of a computer device provided in an embodiment of the present application. The computer device may be a server.

[0119] See also Figure 4 The computer device includes a processor, a memory and a network interface connected through a system bus, wherein the memory may include a non-volatile storage medium and an internal memory.

[0120] The non-volatile storage medium can store an operating system and a computer program. The computer program includes program instructions, and when the program instructions are executed, the processor can execute any one of the five-level loan classification methods.

[0121] The processor is used to provide computing and control capabilities and support the operation of the entire computer equipment.

[0122] The internal memory provides an environment for the operation of the computer program in the non-volatile storage medium. When the computer program is executed by the processor, the processor can execute any one of the five-level loan classification methods.

[0123] The network interface is used for network communication, such as sending assigned tasks, etc. Those skilled in the art will understand that Figure 4 The structure shown in the figure is only a block diagram of a part of the structure related to the solution of the present application, and does not constitute a limitation on the computer device to which the solution of the present application is applied. The specific computer device may include more or fewer components than those shown in the figure, or combine certain components, or have a different arrangement of components.

[0124] It should be understood that the processor may be a central processing unit (CPU), and the processor may also be other general-purpose processors, digital signal processors (DSP), application-specific integrated circuits (ASIC), field-programmable gate arrays (FPGA) or other programmable logic devices, discrete gate or transistor logic devices, discrete hardware components, etc. Among them, the general-purpose processor may be a microprocessor or the processor may also be any conventional processor, etc.

[0125] In one embodiment, the processor is used to run a computer program stored in the memory to implement the following steps:

[0126] Receive background batch tasks submitted by users, wherein the background batch tasks carry basic task information for instructing task scheduling and execution;

[0127] Determine the loans that need to be classified into five categories according to the basic information of the task;

[0128] If the loan is an asset restructuring loan and there is no asset restructuring exemption application and it is not in the observation period, then the system five-level classification rule of the asset restructuring loan is obtained according to at least one of the de-periodization rule, the non-performing loan adjustment rule and the multiple restructuring rule;

[0129] The loans are classified into five categories according to the five-category classification rule of the system to obtain the result of the five-category classification of the system.

[0130] In one embodiment, the processor is used to run a computer program stored in the memory to implement the following steps:

[0131] If the loan is a non-asset restructuring loan, then the system five-level classification rules for the non-asset restructuring loan are obtained, and the five-level classification of the loan is performed according to the system five-level classification rules in the execution step to obtain the result of the system five-level classification.

[0132] In one embodiment, the processor is used to run a computer program stored in the memory to implement the following steps:

[0133] Determine whether there is a manual five-level classification for the loan;

[0134] If there is a manual five-level classification of the loan, the worst result between the result of the manual five-level classification and the result of the system five-level classification is used as the five-level classification result of the loan.

[0135] In one embodiment, the processor is used to run a computer program stored in the memory to implement the following steps:

[0136] If there is no manual five-level classification for the loan, the result of the system's five-level classification will be used as the five-level classification result for the loan.

[0137] In one embodiment, the processor is used to run a computer program stored in the memory to implement the following steps:

[0138] If there is an asset restructuring exemption application for the asset restructuring loan, the step of obtaining the system five-level classification rules for the non-asset restructuring loan is executed.

[0139] In one embodiment, the processor is used to run a computer program stored in the memory to implement the following steps:

[0140] If the asset restructuring loan is in the observation period, the step of obtaining the system five-level classification rules of the non-asset restructuring loan is executed.

[0141] In one embodiment, before obtaining the system five-level classification rule according to at least one of the delinquency rule, the bad upward adjustment rule and the multiple reorganization rule, the processor is used to run a computer program stored in the memory to implement the following steps:

[0142] In response to the user's operation on the asset reorganization five-level classification management interface, the asset reorganization five-level classification rules are configured, and the asset reorganization five-level classification rules include at least one of the following: the de-expiration rule, the bad debt increase rule and the multiple reorganization rule.

[0143] A computer-readable storage medium is also provided in an embodiment of the present application. The computer-readable storage medium stores a computer program. The computer program includes program instructions. The processor executes the program instructions to implement any one of the five-level loan classification methods provided in the embodiments of the present application.

[0144] The computer-readable storage medium may be an internal storage unit of the computer device described in the foregoing embodiment, such as a hard disk or memory of the computer device. The computer-readable storage medium may also be an external storage device of the computer device, such as a plug-in hard disk, a smart memory card (Smart Medi a Card, SMC), a secure digital (Secure Digital, SD) card, a flash memory card (Flash Card), etc., equipped on the computer device.

[0145] The above is only a specific implementation of the present application, but the protection scope of the present application is not limited thereto. Any technician familiar with the technical field can easily think of various equivalent modifications or replacements within the technical scope disclosed in the present application, and these modifications or replacements should be included in the protection scope of the present application. Therefore, the protection scope of the present application shall be based on the protection scope of the claims.

Claims

1. A five-level loan classification method, characterized in that: The five-level loan classification method comprises the following steps: Receive background batch tasks submitted by users, wherein the background batch tasks carry basic task information for instructing task scheduling and execution; Determine the loans that need to be classified into five categories according to the basic information of the task; If the loan is an asset restructuring loan and there is no asset restructuring exemption application and it is not in the observation period, then the system five-level classification rule of the asset restructuring loan is obtained according to at least one of the de-periodization rule, the non-performing loan adjustment rule and the multiple restructuring rule; The loans are classified into five categories according to the five-category classification rule of the system to obtain the result of the five-category classification of the system.

2. The five-level loan classification method according to claim 1, characterized in that: The method further comprises: If the loan is a non-asset restructuring loan, then the system five-level classification rules for the non-asset restructuring loan are obtained, and the five-level classification of the loan is performed according to the system five-level classification rules in the execution step to obtain the result of the system five-level classification.

3. The five-level loan classification method according to claim 1, characterized in that: The method further comprises: Determine whether there is a manual five-level classification for the loan; If there is a manual five-level classification of the loan, the worst result between the result of the manual five-level classification and the result of the system five-level classification is used as the five-level classification result of the loan.

4. The five-level loan classification method according to claim 3, characterized in that: The method further comprises: If there is no manual five-level classification for the loan, the result of the system's five-level classification will be used as the five-level classification result for the loan.

5. The five-level loan classification method according to claim 2, characterized in that: The method further comprises: If there is an asset restructuring exemption application for the asset restructuring loan, the step of obtaining the system five-level classification rules for the non-asset restructuring loan is executed.

6. The five-level loan classification method according to claim 2, characterized in that: The method further comprises: If the asset restructuring loan is in the observation period, the step of obtaining the system five-level classification rules of the non-asset restructuring loan is executed.

7. The five-level loan classification method according to any one of claims 1 to 6, characterized in that: Before obtaining the systematic five-level classification rule of the asset restructuring loan according to at least one of the delinquency rule, the bad debt adjustment rule and the multiple restructuring rule, the method further includes: In response to the user's operation on the asset reorganization five-level classification management interface, the asset reorganization five-level classification rules are configured, and the asset reorganization five-level classification rules include at least one of the following: the de-expiration rule, the bad debt increase rule and the multiple reorganization rule.

8. A five-level loan classification device, characterized in that: The five-level loan classification device comprises: A task receiving unit, used to receive background batch tasks submitted by users, wherein the background batch tasks carry basic task information for instructing task scheduling and execution; A loan determination unit, used for determining loans that need to be classified into five levels according to the task basic information; A system five-level classification rule acquisition unit, for obtaining the system five-level classification rule of the asset restructuring loan according to at least one of the de-periodization rule, the bad debt increase rule and the multiple restructuring rule, if the loan is an asset restructuring loan and there is no asset restructuring exemption application and the loan is not in the observation period; The system five-level classification unit is used to classify the loan into five levels according to the system five-level classification rules to obtain the system five-level classification result.

9. A computer device, characterized in that: The computer device includes a processor, a memory, and a five-category loan classification program stored in the memory and executable by the processor, wherein when the five-category loan classification program is executed by the processor, the steps of the five-category loan classification method as described in any one of claims 1 to 7 are implemented.

10. A computer-readable storage medium, characterized in that: The computer-readable storage medium stores a five-category loan classification program, wherein when the five-category loan classification program is executed by a processor, the steps of the five-category loan classification method according to any one of claims 1 to 7 are implemented.

Images