Loan limit dynamic regulation and control method and system based on project monitoring

Abstract

The invention provides a project monitoring-based loan limit dynamic regulation and control method and system, and the method comprises the steps: obtaining a loan confirmation value according to the initial business information of a project; obtaining the latest confirmation value according to the real-time business information of the project; according to the detained product guarantee creditor's right balance and the latest confirmation value, obtaining a dynamic detained pledge rate; and dynamically adjusting the loan amount according to the dynamic pledge rate. The problem that in the prior art, timely response cannot be made according to the project progress and the mortgage rate triggering early warning condition is solved, and the effect that timely response is made by mastering the mortgage rate triggering early warning condition of the real estate development loan project is achieved.

Description

Technical Field

[0001] The present application relates to the field of data processing, and in particular to a method and system for dynamically adjusting loan amounts based on project monitoring. Background Art

[0002] In the existing technology, real estate development loan projects are not monitored. It is difficult for the head office and branch management to obtain relevant information in a timely manner when risks occur in real estate development loans. It is impossible to track whether the branch conducts monthly revaluations in accordance with the bank's approval or management regulations, and to grasp the situation where the mortgage rate of real estate development loan projects triggers early warnings and respond in a timely manner. Summary of the invention

[0003] The embodiment of the present invention provides a method and system for dynamically adjusting loan quota based on project monitoring, so as to at least solve the problem in the related art that timely response cannot be made according to the project progress and the early warning triggered by the mortgage rate.

[0004] According to one embodiment of the present invention, a method for dynamically adjusting loan amounts based on project monitoring is provided, comprising: obtaining a loan confirmation value based on initial business information of the project; obtaining the latest confirmation value based on real-time business information of the project; obtaining a dynamic mortgage rate based on the balance of collateral-secured claims and the latest confirmation value; and dynamically adjusting the loan amount based on the dynamic mortgage rate.

[0005] According to another embodiment of the present invention, a system for dynamically regulating loan amounts based on project monitoring is provided, including: a value confirmation module, used to obtain a loan confirmation value based on the initial business information of the project, and to obtain the latest confirmation value based on the real-time business information of the project; a dynamic adjustment module, used to obtain a dynamic mortgage ratio based on the balance of collateral-secured claims and the latest confirmation value, and to dynamically adjust the loan amount based on the dynamic mortgage ratio.

[0006] According to another embodiment of the present invention, there is also provided a computer device, including a memory and a processor, wherein the processor is coupled to the memory, wherein at least one program instruction or code is stored in the memory, and the at least one program instruction or code is loaded and executed by the processor, so that the computer device implements the above-mentioned method for dynamic regulation of loan amount.

[0007] Through the present invention, a method for dynamically regulating loan quota based on project monitoring is provided, which obtains the confirmed value at the time of loan according to the initial business information of the project; obtains the latest confirmed value according to the real-time business information of the project; obtains the dynamic mortgage rate according to the balance of collateral secured claims and the latest confirmed value; and dynamically adjusts the loan quota according to the dynamic mortgage rate. The problem that the related technology cannot make timely responses according to the progress of the project and the triggering of the mortgage rate warning is solved, and the effect of grasping the mortgage rate triggering the warning situation of the real estate development loan project and making timely responses is achieved. BRIEF DESCRIPTION OF THE DRAWINGS

[0008] The drawings described herein are used to provide a further understanding of the present invention and constitute a part of this application. The exemplary embodiments of the present invention and their descriptions are used to explain the present invention and do not constitute an improper limitation of the present invention. In the drawings:

[0009] Figure 1 is a flow chart of a method for dynamic control of loan amount based on project monitoring according to an embodiment of the present invention;

[0010] Figure 2 It is a schematic diagram of the structure of a computer device provided in an embodiment of the present application. DETAILED DESCRIPTION

[0011] In order to further strengthen the monitoring of real estate development loan projects, collateral under the projects and mortgage rates, help branches conduct analysis and risk assessment, further analyze abnormal situations and explain control measures for those that do not meet the user's bank approval or management requirements, and implement a dynamic monitoring and management service solution for real estate development projects, the embodiment of the present application provides a method and system for dynamic regulation of loan amounts based on project monitoring.

[0012] The following will describe the technical solutions in the embodiments of the present application in conjunction with the drawings in the embodiments of the present application. Obviously, the described embodiments are only 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.

[0013] First, the technical terms in the embodiments of the present application are explained:

[0014] Collateral: includes mortgaged property and pledged property. Mortgage property refers to the property that the debtor or a third party pledges to the creditor without transferring possession to guarantee the performance of the debt. Pledged property refers to the movable property or rights that the debtor or a third party pledges to the creditor by transferring possession or registering and publicizing to guarantee the performance of the debt.

[0015] Approval: After receiving a loan application from a customer, the bank will review, evaluate and make a decision on the loan application and issue a written loan approval notice to the customer.

[0016] The pledge ratio of collateral for loan: at the time of loan issuance, the principal of the debt secured by the collateral / the assessed value of the collateral at the time of loan issuance*100%.

[0017] Dynamic pledge ratio of collateral: the principal balance of the collateral-secured claims / the latest assessed value of the collateral*100% at the latest point in time.

[0018] The embodiment of the present invention provides a method for dynamically adjusting loan amount based on project monitoring. Figure 1 is a flow chart of a method for dynamically adjusting loan amounts based on project monitoring according to an embodiment of the present invention. Figure 1 As shown, including:

[0019] Step S101, obtaining the credit confirmation value according to the initial business information of the project;

[0020] In one embodiment, according to the initial business information of the project, the loan confirmation value is obtained, including: when one collateral corresponds to multiple approvals, according to the overall loan confirmation value Z of the collateral, the single approval business amount D associated with the collateral, and the total amount H of each approval business associated with the collateral, the loan confirmation value J of each approval is calculated:

[0021] J=(Z×D) / H

[0022] Among them, Z, D, H, and J are all positive integers, and the unit is yuan.

[0023] Step S102, obtaining the latest confirmed value according to the real-time business information of the project;

[0024] In one embodiment, the initial business information or real-time business information includes at least one of the following: contract account management institution; the first-level branch corresponding to the contract account management institution; the contract account manager; the approval agency; the customer name; the customer name of the group to which it belongs; the approval number; the business type; the contract amount; and the contract balance.

[0025] When one collateral corresponds to multiple approvals, the latest confirmed value Q of each approval is calculated based on the latest confirmed value X of the collateral as a whole, the balance Y of a single approval business associated with the collateral, and the total balance E of each approval business associated with the collateral:

[0026] Q=(X×Y) / E

[0027] Among them, Q, X, Y, and E are all positive integers, and the unit is yuan.

[0028] Step S103, obtaining a dynamic pledge rate according to the balance of collateral-secured claims and the latest confirmed value;

[0029] In the embodiment of the present invention, the loan collateral rate and the dynamic collateral rate are obtained according to the balance of collateral secured claims and the latest confirmed value. The dynamic collateral rate is obtained by dividing the bond collateral balance and the latest confirmed value. The loan collateral rate can be obtained by participating in the calculation based on the confirmed value at the time of the loan, and the dynamic collateral rate can be obtained by participating in the calculation based on the latest confirmed value.

[0030] In one embodiment, a dynamic pledge ratio is obtained according to the balance of collateral-secured claims and the latest confirmed value, including: when the latest confirmed value is greater than 0, the balance of collateral-secured claims is obtained according to the total balance of the approved contracts associated with the collateral that has been recorded, wherein the contract types of the contracts include comprehensive credit contracts, contracts under special approvals, and single-item single-batch contracts; the dynamic pledge ratio is obtained according to the balance of collateral-secured claims and the latest confirmed value.

[0031] In the embodiment of the present invention, the confirmed value of the loan and the amount of the collateral-secured bond at the time of the loan cannot obtain the balance of the collateral-secured claim, and the total contract balance of the associated recorded collateral under the approval can obtain the balance of the secured bond.

[0032] In one embodiment, it also includes: obtaining the loan collateral ratio according to the loan confirmation value and the loan collateral secured debt amount.

[0033] In one embodiment, a dynamic pledge ratio is obtained according to the balance of collateral-secured claims and the latest confirmed value, including: obtaining the dynamic pledge ratio by dividing the balance of collateral-secured claims by the latest confirmed value.

[0034] Step S104, dynamically adjust the loan amount according to the dynamic mortgage rate.

[0035] In one embodiment, it also includes: loan approval and loan warning based on the dynamic mortgage rate.

[0036] In one embodiment, the method further includes: acquiring business information of the project in real time and performing statistical storage.

[0037] In the embodiment of the present invention, the collateral system obtains the business data of the business system in real time and in batches, and retains a copy after obtaining. The business data in the extracted copy is used for calculation in the late batch.

[0038] The embodiment of the present invention also provides a dynamic loan amount control system based on project monitoring, including: a value confirmation module, which is used to obtain the loan confirmation value according to the initial business information of the project, and obtain the latest confirmed value according to the real-time business information of the project; a dynamic adjustment module, which is used to obtain the dynamic mortgage rate according to the balance of the collateral-secured debt and the latest confirmed value, and dynamically adjust the loan amount according to the dynamic mortgage rate.

[0039] Each module in the above-mentioned project-based dynamic loan quota control system can be implemented in whole or in part by software, hardware, or a combination thereof. Each of the above-mentioned modules can be embedded in or independent of a processor in a computer device in the form of hardware, or can be stored in a memory in a computer device in the form of software, so that the processor can call and execute operations corresponding to each of the above modules.

[0040] An embodiment of the present invention also provides a computer device, including a memory and a processor, wherein the processor is coupled to the memory, and at least one program instruction or code is stored in the memory, and the at least one program instruction or code is loaded and executed by the processor so that the computer device implements the specific steps of the system management data visualization method.

[0041] In one embodiment, a computer device is provided. The computer device provided in the embodiment of the present application may be a server or a client. Figure 2 is a schematic diagram of the structure of a computer device provided in an embodiment of the present application, such as Figure 2 As shown:

[0042] Processor 1201, memory 1202, bus 1205, interface 1204, processor 1201 is connected to memory 1202 and interface 1204, bus 1205 is respectively connected to processor 1201, memory 1202 and interface 1204, interface 1204 is used to receive or send data, processor 1201 is a single-core or multi-core central processing unit, or a specific integrated circuit, or one or more integrated circuits configured to implement an embodiment of the present invention. Memory 1202 can be a random access memory (Random Access Memory, RAM), or a non-volatile memory (non-volatile memory, NVM), such as at least one hard disk memory. Memory 1202 is used to store computer execution instructions. Specifically, the computer execution instructions may include program 1203.

[0043] In this embodiment, when the processor 1201 calls the program 1203, it can use Figure 2 The management server in the system executes the system management data visualization method operation, and the details are not repeated here.

[0044] It should be understood that the processor provided in the above embodiments of the present application may be a central processing unit (CPU), or 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. A general-purpose processor may be a microprocessor or the processor may also be any conventional processor, etc.

[0045] It should also be understood that the number of processors in the computer device in the above embodiments of the present application can be one or more, and can be adjusted according to the actual application scenario. This is only an exemplary description and is not limited. The number of memories in the embodiments of the present application can be one or more, and can be adjusted according to the actual application scenario. This is only an exemplary description and is not limited.

[0046] It should also be noted that when a computer device includes a processor (or processing unit) and a memory, the processor in this application can be integrated with the memory, or the processor and the memory can be connected through an interface. It can be adjusted according to the actual application scenario and is not limited.

[0047] The present application also provides a computer-readable storage medium on which a computer program is stored. When the computer program is executed by a computer, the method flow executed by the controller of the client or management server in any of the above method embodiments is implemented. Correspondingly, the computer can be the above computer device (client or server).

[0048] It should be understood that the controller or processor mentioned in the above embodiments of the present application may be a central processing unit CPU, or may be a combination of one or more of other general-purpose processors, digital signal processors DSP, application-specific integrated circuits ASIC, readily available programmable gate arrays FPGA or other programmable logic devices, discrete gate or transistor logic devices, discrete hardware components, etc. A general-purpose processor may be a microprocessor or the processor may also be any conventional processor, etc.

[0049] It should also be understood that the memory or readable storage medium mentioned in the computer device (client or server) in the above embodiments of the present application may be a volatile memory or a non-volatile memory, or may include both volatile and non-volatile memories. Among them, the non-volatile memory may be a read-only memory ROM, a programmable read-only memory (Programmable ROM, PROM), an erasable programmable read-only memory (Erasable PROM, EPROM), an electrically erasable programmable read-only memory (Electrically EPROM, EEPROM) or a flash memory. The volatile memory may be a random access memory RAM, which is used as an external cache. By way of example and not limitation, many forms of RAM are available, such as static random access memory (SRAM), dynamic random access memory (DRAM), synchronous dynamic random access memory (SDRAM), double data rate synchronous dynamic random access memory (DDR SDRAM), enhanced synchronous dynamic random access memory (ESDRAM), synchronous link dynamic random access memory (SLDRAM) and direct rambus RAM (DR RAM).

[0050] Those of ordinary skill in the art will appreciate that the steps of implementing all or part of the above-mentioned embodiments by a computer device (client or server) or a processor can be completed by hardware or a program to instruct the relevant hardware. The program can be stored in a computer-readable storage medium, and the storage medium mentioned above can be a read-only memory, a random access memory, etc. Specifically, for example: the above-mentioned processing unit or processor can be a central processing unit, a general-purpose processor, a digital signal processor (DSP), an application-specific integrated circuit (ASIC), a field programmable gate array (FPGA) or other programmable logic devices, transistor logic devices, hardware components or any combination thereof. Whether the above-mentioned functions are performed in hardware or software depends on the specific application and design constraints of the technical solution. Professional and technical personnel can use different methods to implement the described functions for each specific application, but such implementation should not be considered to exceed the scope of this application.

[0051] When software is used for implementation, the method steps described in the above embodiments can be implemented in whole or in part in the form of a computer program product. The computer program product includes one or more computer instructions. When the computer program instructions are loaded and executed on a computer, the process or function according to the embodiment of the present application is generated in whole or in part. The computer can be a general-purpose computer, a special-purpose computer, a computer network, or other programmable devices. The computer instructions can be stored in a computer-readable storage medium, or transmitted from one computer-readable storage medium to another computer-readable storage medium. For example, the computer instructions can be transmitted from a website site, a computer, a server, or a data center by wired (e.g., coaxial cable, optical fiber, digital subscriber line (DSL)) or wireless (e.g., infrared, wireless, microwave, etc.) mode to another website site, computer, server, or data center. The computer-readable storage medium can be any available medium that a computer can access or a data storage device such as a server, a data center, etc. that contains one or more available media integration. Available media can be magnetic media, (e.g., floppy disk, hard disk, tape), optical media (e.g., DVD), or semiconductor media, etc.

[0052] In order to enable those skilled in the art to better understand the technical solution of the present invention, it is described below in conjunction with specific embodiments.

[0053] The embodiment of the present invention provides a dynamic loan quota control system based on project monitoring, which can automatically conduct day-end batching for real estate development loan projects with a contract balance greater than 0, whose "business type" is "0301-housing development loan", "0302-commercial housing development loan", "0303-land consolidation and reserve loan", "0304-park development zone construction loan", "0201-fixed asset loan for capital construction project", "04-project financing loan" and "whether it is a public loan in the real estate field of the central bank" is "yes", and obtain the corresponding first-level branch of the contract account management institution, the contract account management institution, the contract account manager, the approval handling agency, Approval handler, customer name, customer name of the group to which it belongs, approval number, business type, contract amount (100 million yuan), contract balance (100 million yuan), total confirmed value at the time of loan (100 million yuan), latest confirmed value (100 million yuan), amount of collateral-secured claims (100 million yuan), balance of collateral-secured claims (100 million yuan), mortgage rate at the time of loan (%), dynamic mortgage rate (%), remaining saleable value (100 million yuan), payables for project and others (100 million yuan), remaining saleable value - payables for project and others (100 million yuan), project progress (%), repayment progress (%), sales progress (%), confirm whether the warning has been triggered; and record detailed information on the collateral under the project.

[0054] By adding a dynamic monitoring management menu for real estate development projects, it is possible to support branches in viewing and exporting the monitoring data obtained from the end-of-day review of real estate development loan projects.

[0055] Ability to adjust project monitoring parameter information in real time, including: dynamic mortgage rate alarm parameter (%), alarm parameter change notes, whether the real estate development project monitoring logo has been changed, whether it has been included in the real estate development project monitoring, and real estate development project monitoring logo change notes;

[0056] It can support branches to maintain project progress information, including: remaining saleable value (RMB), payables for engineering works and others (RMB), remaining saleable value minus payables for engineering works and others (RMB), project progress (%), repayment progress (%), sales progress (%), description of project and sales progress, and other project description information.

[0057] The manual monitoring function can be added. For the approvals newly included in the housing development loan project monitoring, the system can automatically add them to the housing development loan dynamic monitoring approval range in the evening. For the approvals that are cancelled from the housing development loan project monitoring, the housing development loan dynamic monitoring approval range will be automatically cancelled in the evening.

[0058] The frequency of valuation monitored by the head office for collateral included in the monitoring scope of real estate development loan projects can be increased from once a year to once a month. 7 days before or after the expiration date, an early warning of the valuation being about to / overdue will be triggered to prompt the branch to revalue in a timely manner.

[0059] The related technology does not monitor the real estate development loan projects. It is difficult for the head office and branch management roles to obtain relevant information in a timely manner when risks occur in real estate development loans. It is impossible to track whether the branch has conducted monthly revaluations in accordance with the approval of the user bank or the requirements of the management regulations, and to grasp the situation where the mortgage rate of the real estate development loan project triggers an early warning and respond in a timely manner. For this reason, in the embodiment of the present invention, a monitoring scope for real estate development loan projects is established, and daily batch runs are performed on loans of this type of project to achieve daily monitoring, so that the head office and branch management roles can promptly discover abnormalities in real estate projects and promptly require branches to complete collateral valuation management in accordance with the system.

[0060] The embodiment of the present invention provides a detailed real estate development loan project monitoring solution, which calculates the real estate development loan project according to the rules every day to realize a dynamic loan amount control system based on project monitoring.

[0061] Involving monitoring of different fields to meet the needs of different information statistics acquisition and real-time calculation of loan batches. Including:

[0062] Data date, i.e. batch run date.

[0063] Whether to trigger an early warning is indicated by a value of 0 or 1. When running batch calculations, if the dynamic pledge rate (%) - dynamic pledge rate alarm parameter (%) > 0, this field is "Yes", otherwise it is "No".

[0064] Whether to include real estate development project monitoring is indicated by a value of 0 or 1. When the real estate development loan dynamic mortgage rate and project monitoring related calculations are run, the system is initialized according to the rules. See the following approval related field initialization rules. Value range: 0 No 1 Yes.

[0065] Dynamic mortgage rate alarm parameters (%), among which, when the dynamic mortgage rate of real estate development loans and project monitoring related calculations are run in batches, the system is initialized according to the rules, see the approval-related field initialization rules.

[0066] Business information mainly includes: the contract account management institution corresponding to the first-level branch, the contract account management institution, the contract account manager, the approval processing institution, the approval processing person, the customer name, the customer name of the group to which it belongs, the approval number, the business type, the contract amount (billion yuan), and the contract balance (billion yuan).

[0067] Among them, the "current account management institution" in the contract information associated with the reply (under the agreement, under the reply, single transaction and single batch) corresponds to the first-level branch. The contract account management institution can be directly associated with the reply in combination with the comprehensive credit, internal credit line, and single transaction and single batch business contracts. The contracts under the agreement and the reply are associated with the corresponding reply through the comprehensive credit and internal credit line. Confirm the corresponding first-level branch (collateral system institution) according to the contract account management institution. Associate the corresponding name according to the "current account management person" in the contract information associated with the reply (under the agreement, under the reply, single transaction and single batch). The comprehensive credit, internal credit line, and single transaction and single batch business contracts are directly associated with the reply. The contracts under the agreement and the reply are associated with the corresponding reply through the comprehensive credit and internal credit line. According to the "handling institution" field in the reply information, the institution conversion table is converted to the corresponding institution of the collateral system to obtain the reply handling institution information and the reply handling person information. Confirm the name of the group customer according to the customer number. The business type, contract amount (billion yuan), and contract balance (billion yuan) are determined based on the approved related business contract information.

[0068] The dynamic mortgage rate mainly includes: the total confirmed value at the time of loan (billion yuan), the latest confirmed total value (billion yuan), the amount of collateral-secured claims (billion yuan), the balance of collateral-secured claims (billion yuan), the mortgage rate at the time of loan (%), and the dynamic mortgage rate (%).

[0069] Among them, the total confirmed value at the time of loan is allocated to the approval based on the recorded collateral associated with the approval. The confirmed value at the time of loan refers to the value recognized by the user bank in the latest initial valuation, and the total confirmed value at the time of loan acquisition is confirmed.

[0070] When one collateral corresponds to multiple approvals, the loan confirmation value of the collateral allocated to each approval should be calculated separately. The specific calculation method is:

[0071] The confirmed value of the collateral allocated to each approval at the time of loan = the confirmed value of the collateral as a whole at the time of loan × (the amount of business under the approval associated with the collateral (under the agreement, under the approval, single transaction and single batch)) / ∑ (the amount of business under each approval associated with the collateral (under the agreement, under the approval, single transaction and single batch)).

[0072] The business amount under the approval associated with the collateral, and the business amount under each approval associated with the collateral: the comprehensive credit, internal credit line, and single-batch business contracts are directly associated with the approval, and the contracts under the agreement and the approval find the corresponding approval through the comprehensive credit and internal credit line.

[0073] Among them, the latest confirmed value of the collateral recorded in the account and allocated to the approval is the total value, where the latest confirmed value refers to the latest confirmed value of the user bank's recognized value in the latest initial assessment or revaluation. When a collateral corresponds to multiple approvals, the latest confirmed value of the collateral allocated to each approval should be calculated separately. The specific calculation method is:

[0074] The latest confirmed value of the collateral allocated to each approval = the latest confirmed value of the entire collateral × (the business balance under the approval associated with the collateral (under the agreement, under the approval, single transaction and single batch)) / ∑ (the business balance under each approval associated with the collateral (under the agreement, under the approval, single transaction and single batch)).

[0075] The business balance under the approval associated with the collateral and the business balance under each approval associated with the collateral: the comprehensive credit, internal credit line, and single-batch business contracts are directly associated with the approval, and the contracts under the agreement and the approval find the corresponding approval through the comprehensive credit and internal credit line.

[0076] For the loan collateral ratio, if the total confirmed value at the time of loan is greater than 0, the following calculation is performed: the total business amount under the approval of the related collateral / the total confirmed value of the loan allocated to the approval of the recorded collateral, that is, the loan collateral ratio = the amount of claims secured by the collateral / the total confirmed value at the time of loan.

[0077] For the dynamic pledge ratio, if the latest confirmed value is greater than 0, the following calculation is performed: the total business balance under the approval of the associated collateral / the total latest confirmed value of the recorded collateral allocated to the approval, that is, the dynamic pledge ratio = the balance of the collateral-secured claims / the total latest confirmed value.

[0078] In addition to the above-mentioned field information, it may also include: remaining saleable value, engineering payment payable and others, remaining saleable value - engineering payment payable and others, engineering progress, repayment progress, sales progress, etc. The specific field information may be adjusted according to the actual situation.

[0079] The project monitoring-based dynamic loan amount control system provided by the embodiment of the present invention calculates the real estate development loan projects according to the rules every day during the actual implementation process; maintains the parameter information of the real estate development loan projects; maintains the progress information of the real estate development loan projects; records the batch running of the detailed information of the collateral under the real estate development loan projects; records the project monitoring history information of the real estate development loan projects; manually incorporates the monitoring function to achieve flexible adjustment; and adjusts the valuation frequency of the collateral under the real estate development loan projects.

[0080] In the actual implementation process, when the dynamic control system of loan quota based on project monitoring conducts collateral management, the credit business system approval, contract, management elements, business and collateral relationship and other information can be received by adding batches to achieve the required locking of real estate development loan projects, and the collateral information of the collateral system can be combined to run the batch according to the rules; the query and export of the batch result data can be realized on the computer side; and a modification entry is added to support the modification of parameters, progress information, and manual inclusion in monitoring, so as to realize the next day's batch running rules according to the branch settings; for the collateral included in the real estate development loan project, the collateral is automatically linked to the real estate development loan project at the time of inclusion, and the linkage collateral valuation frequency can be 1 month.

[0081] The dynamic loan quota control system based on project monitoring provided by the embodiment of the present invention can automatically conduct end-of-day review of real estate development loan projects, obtain contract loan status, collateral value, collateral ratio and dynamic collateral ratio information, and determine whether an early warning has been triggered. By adding a new real estate development project dynamic monitoring management menu, it supports branches to monitor and view real estate development loan projects, and can adjust project monitoring parameter information in real time to facilitate adaptive alarm parameters applicable to the current approval; it also supports branches to maintain project progress information to grasp the progress of real estate project engineering, sales progress, and repayment progress in real time. Add a manual inclusion monitoring function to support dynamic monitoring of businesses that are not included in the system but should be included in the monitoring scope of real estate development loan projects.

[0082] The terms "first", "second", etc. in the specification and claims of the present application and the above-mentioned drawings are used to distinguish similar objects, and need not be used to describe a specific order or sequential order. It should be understood that the terms used in this way can be interchangeable under appropriate circumstances, which is only to describe the distinction mode adopted by the objects of the same attributes when describing in the embodiments of the present application. In addition, the terms "including" and "having" and any of their variations are intended to cover non-exclusive inclusions, so that the process, method, system, product or equipment comprising a series of units need not be limited to those units, but may include other units that are not clearly listed or inherent to these processes, methods, products or equipment.

[0083] The terms used in the embodiments of the present application are only for the purpose of describing specific embodiments and are not intended to limit the present invention. The singular forms of "a", "" and "the" used in the embodiments of the present application are also intended to include plural forms, unless the context clearly indicates other meanings. It should also be understood that in the description of the present application, unless otherwise specified, " / " indicates that the objects associated before and after are in an "or" relationship, for example, A / B can represent A or B; "and / or" in the present application is only a description of the association relationship of associated objects, indicating that three relationships can exist, for example, A and / or B can represent: A exists alone, A and B exist at the same time, and B exists alone, where A and B can be singular or plural.

[0084] As used herein, the words “if” or “if” may be interpreted as “at the time of” or “when” or “in response to determining” or “in response to detecting”, depending on the context. Similarly, the phrases “if it is determined” or “if (stated condition or event) is detected” may be interpreted as “when it is determined” or “in response to determining” or “when detecting (stated condition or event)” or “in response to detecting (stated condition or event)”, depending on the context.

[0085] The above embodiments are only used to illustrate the technical solutions of the present application, rather than to limit them. Although the present application has been described in detail with reference to the aforementioned embodiments, a person of ordinary skill in the art should understand that the technical solutions described in the aforementioned embodiments may still be modified, or some of the technical features thereof may be replaced by equivalents. However, these modifications or replacements do not deviate the essence of the corresponding technical solutions from the scope of the technical solutions of the embodiments of the present application.

Claims

1. A method for dynamically adjusting loan quota based on project monitoring, characterized in that: include: Based on the initial business information of the project, obtain the credit confirmation value; Obtain the latest confirmed value based on real-time business information of the project; Obtain the dynamic pledge rate based on the balance of collateral secured claims and the latest confirmed value; The loan amount is dynamically adjusted according to the dynamic mortgage rate.

2. The method according to claim 1, characterized in that in, The initial service information or the real-time service information includes: Contract account management institution; the contract account management institution corresponds to the first-level branch; contract account manager; approval handling institution; approval handling person; customer name; customer name of the group to which it belongs; approval number; business type; contract amount; contract balance.

3. The method according to claim 1, characterized in that: Also includes: Based on the dynamic mortgage rate, loan approval and loan warning are carried out.

4. The method according to claim 1, characterized in that The method of obtaining the credit confirmation value and the latest confirmation value based on the initial business information and real-time business information of the project includes: When one collateral corresponds to multiple approvals, the loan confirmation value J of each approval is calculated based on the overall loan confirmation value Z of the collateral, the single approval business amount D associated with the collateral, and the total amount of each approval business associated with the collateral H: J=(Z×D) / H Among them, Z, D, H, and J are all positive integers, and the unit is yuan; When one collateral corresponds to multiple approvals, the latest confirmed value Q of each approval is calculated based on the latest confirmed value X of the collateral as a whole, the balance Y of a single approval business associated with the collateral, and the total balance E of each approval business associated with the collateral: Q=(X×Y) / E Among them, Q, X, Y, and E are all positive integers, and the unit is yuan.

5. The method according to claim 1, characterized in that According to the balance of the collateral-secured claims and the latest confirmed value, the dynamic pledge rate is obtained, including: When the latest confirmed value is greater than 0, the balance of the collateral-secured claims is obtained based on the total balance of the approved contracts related to the collateral that has been recorded, where the contract types include comprehensive credit contracts, contracts under special approvals, and single-item and single-batch contracts; The dynamic pledge rate is obtained according to the balance of the collateral-secured claims and the latest confirmed value.

6. The method according to claim 5, characterized in that The dynamic pledge rate is obtained according to the balance of the collateral-secured claims and the latest confirmed value, including: The dynamic pledge rate is obtained by dividing the balance of the collateral-secured claims by the latest confirmed value.

7. The method according to claim 1, characterized in that Also includes: The loan collateral ratio is obtained by dividing the amount of claims secured by the loan collateral by the confirmed value of the loan.

8. The method according to claim 1, characterized in that Also includes: Obtain project business information in real time and store statistics.

9. A dynamic loan quota control system based on project monitoring, characterized in that: include: A value confirmation module is used to obtain the credit time confirmation value based on the initial business information of the project, and obtain the latest confirmation value based on the real-time business information of the project; The dynamic adjustment module is used to obtain a dynamic mortgage rate based on the balance of the collateral-secured claims and the latest confirmed value, and dynamically adjust the loan amount based on the dynamic mortgage rate.

10. A computer device comprising a memory and a processor, wherein the processor is coupled to the memory, wherein: The memory stores at least one program instruction or code, and the at least one program instruction or code is loaded and executed by the processor so that the computer device implements the method for dynamically adjusting the loan amount described in any one of claims 1-8.

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