Grouping method for credit risk slow release and related device

Abstract

The invention discloses a credit risk slow release grouping method and a related device, and the method comprises the steps: building a mortgage guarantee contract identifier and a slow release product identifier of a corresponding virtual slow release contract based on a mortgage guarantee contract to be subjected to risk slow release grouping and a corresponding slow release product; based on the business contract to be subjected to risk slow release grouping and the corresponding slow release product, establishing a business contract identifier and a slow release product identifier of the corresponding virtual business contract; and based on the virtual business contract and the virtual release contract, establishing a virtual business contract identifier and a virtual release contract identifier of the corresponding credit risk release group. According to the invention, by establishing the virtual business contract and the virtual release contract, direct comparison between debt items and release items is avoided, the data volume directly used by grouping is greatly reduced, the processing speed is improved, and double identifiers (the master node and the slave node) are adopted for grouping, so that the use of a data table is reduced, and the efficiency is improved. Judgment and grouping can be carried out only through double identifiers, so that the processing efficiency is greatly improved, and the data redundancy is reduced.

Description

Technical Field

[0001] The present invention relates to the financial field, and in particular to a credit risk mitigation grouping method and related devices. Background Art

[0002] Credit risk mitigation refers to the transfer or reduction of credit risk by commercial banks through qualified collateral, net settlement, guarantees and credit derivatives. Commercial banks use internal ratings to measure credit risk regulatory capital, and the credit risk mitigation function is reflected in the reduction of default probability, default loss rate or default risk exposure.

[0003] A credit risk mitigation group is a description of the relationship between a debt and its associated mitigation products. The debts and mitigation products in one group are independent of those in other groups. A credit risk mitigation group contains one or more debts and one or more mitigation products. Based on the number of debts and mitigation products, credit risk mitigation groups can be divided into four connection modes:

[0004] a. One-to-one connection mode: There is one debt item and one mitigation asset in a risk mitigation group, and the debt item and the mitigation asset have a one-to-one relationship.

[0005] b. One-to-many connection mode: There is one debt item and multiple mitigation products in a risk mitigation group, and the debt item and the mitigation products are in a one-to-many relationship.

[0006] c. Many-to-one connection mode: There are multiple debt items and one mitigation product in a risk mitigation group, and the debt items and mitigation products are in a many-to-one relationship.

[0007] d. Many-to-many connection mode: There are multiple debt items and multiple mitigation products in a risk mitigation group. The debt items and mitigation products are in a many-to-many relationship. The specific structure is as follows: Figure 1 shown.

[0008] Regarding the grouping of the above-mentioned many-to-many connection mode, the complexity of many-to-many processing is caused by the existence of repeated mortgages or mutual guarantees of collateral in credit business. Especially in the many-to-many grouping process, how to quickly and accurately establish corresponding credit risk mitigation groups from a pile of data while ensuring integrity and independence has become a technical problem that needs to be urgently solved by people in this field. Summary of the invention

[0009] In view of the above problems, the present invention provides a credit risk mitigation grouping method and related devices that overcome the above problems or at least partially solve the above problems.

[0010] In the first aspect, a grouping method for credit risk mitigation includes:

[0011] Based on the mortgage guarantee contract and the corresponding mitigation product to be grouped for risk mitigation, a mortgage guarantee contract identifier and a mitigation product identifier of the corresponding virtual mitigation contract are established, wherein the mortgage guarantee contract corresponds to the mortgage guarantee contract identifier, the mitigation product corresponds to the mitigation product identifier, the mortgage guarantee contract serves as the master node, and the mitigation product serves as the slave node;

[0012] Based on the business contracts to be grouped for risk mitigation and the corresponding mitigation products, a business contract identifier and a mitigation product identifier of the corresponding virtual business contract are established, wherein the business contract corresponds to the business contract identifier, the mitigation product corresponds to the mitigation product identifier, the business contract serves as a master node, and the mitigation product serves as a slave node;

[0013] Based on the virtual business contract and the virtual mitigation contract, a virtual business contract identifier and a virtual mitigation contract identifier of the corresponding credit risk mitigation group are established, wherein the virtual business contract corresponds to the virtual business contract identifier, the virtual mitigation contract corresponds to the virtual mitigation contract identifier, the virtual business contract serves as the master node, and the virtual mitigation contract serves as the slave node.

[0014] Optionally, in certain optional implementations, the step of establishing a mortgage guarantee contract identifier and a mitigation product identifier of a corresponding virtual mitigation contract based on the mortgage guarantee contract and the corresponding mitigation product to be grouped for risk mitigation includes:

[0015] According to each mortgage guarantee contract to be grouped for risk mitigation, a corresponding first array is established, wherein the first array includes a plurality of elements, and one element corresponds to one mortgage guarantee contract;

[0016] According to the order of the elements in the first array, and in turn according to the mortgage guarantee contracts and corresponding mitigation products of the elements, the mortgage guarantee contract identifier and mitigation product identifier of the corresponding virtual mitigation contract are established;

[0017] When the mortgage guarantee contract identifier and the release product identifier of the corresponding virtual release contract are established for each element in the first array, the identifier establishment process of each virtual release contract is completed.

[0018] Optionally, in some optional implementations, the mortgage guarantee contract identifier and the mitigation product identifier of the corresponding virtual mitigation contract are established in accordance with the order of the elements in the first array and in turn according to the mortgage guarantee contracts and corresponding mitigation products of the elements, including:

[0019] Starting from the first element in the first array, for any element, the following steps are performed: judging the mortgage guarantee contract identifier and the release-relief product identifier of the virtual release-relief contract corresponding to the element;

[0020] If the mortgage guarantee contract identifier = 0 and the mitigation product identifier = 0, obtain the master node and slave node identified by the corresponding virtual mitigation contract, and modify the mortgage guarantee contract identifier of the corresponding virtual mitigation contract to 1 and modify the mitigation product identifier of the corresponding virtual mitigation contract to 1;

[0021] If the mortgage guarantee contract identifier = 1 and the mitigation product identifier = 0, obtain the slave node identified by the corresponding virtual mitigation contract, and modify the mitigation product identifier of the corresponding virtual mitigation contract to 1;

[0022] If the mortgage guarantee contract identifier = 0 and the release product identifier = 1, obtain the master node of the corresponding virtual release contract identification, and modify the mortgage guarantee contract identifier of the corresponding virtual release contract to 1;

[0023] If the mortgage guarantee contract identifier = 1 and the release product identifier = 1, the identification establishment process for the virtual release contract corresponding to the element is completed.

[0024] Optionally, in certain optional implementations, the business contract identifier and the mitigation product identifier of the corresponding virtual business contract are established based on the business contracts to be grouped for risk mitigation and the corresponding mitigation products, including:

[0025] According to each business contract to be grouped for risk mitigation, a corresponding second array is established, wherein the second array includes a plurality of elements, and one element corresponds to one of the business contracts;

[0026] According to the order of the elements in the second array, the business contract identifier and the sustained-release product identifier of the corresponding virtual business contract are established in turn according to the business contract and the corresponding sustained-release product of each element;

[0027] When the business contract identifier and the sustained-release product identifier of the corresponding virtual business contract are established for each element in the second array, the identification establishment process of each virtual business contract is completed.

[0028] Optionally, in some optional implementations, the business contract identifier and the sustained-release product identifier of the corresponding virtual business contract are established according to the order of the elements in the second array and the business contracts and corresponding sustained-release products of the elements, including:

[0029] Starting from the first element in the second array, for any element, the following steps are performed: judging the business contract identifier and the sustained-release product identifier of the virtual business contract corresponding to the element;

[0030] If the business contract identifier = 0 and the slow-release product identifier = 0, obtain the master node and slave node identified by the corresponding virtual business contract, and modify the business contract identifier of the corresponding virtual business contract to 1 and modify the slow-release product identifier of the corresponding virtual business contract to 1;

[0031] If the business contract identifier = 1 and the slow-release product identifier = 0, obtain the slave node identified by the corresponding virtual business contract, and modify the slow-release product identifier of the corresponding virtual business contract to 1;

[0032] If the business contract identifier = 0 and the sustained-release product identifier = 1, obtain the primary node identified by the corresponding virtual business contract, and modify the business contract identifier of the corresponding virtual business contract to 1;

[0033] If the business contract identifier = 1 and the sustained-release product identifier = 1, the identification establishment process for the virtual business contract corresponding to the element is completed.

[0034] Optionally, in certain optional implementations, the establishing of the virtual business contract identifier and the virtual mitigation contract identifier of the corresponding credit risk mitigation group based on the virtual business contract and the virtual mitigation contract includes:

[0035] According to each of the business contracts, a corresponding third array is established, wherein the third array includes a plurality of elements, and one element corresponds to one of the business contracts;

[0036] According to the order of the elements in the third array, and in turn according to the virtual business contracts and corresponding virtual mitigation contracts of the elements, a virtual business contract identifier and a virtual mitigation contract identifier of the corresponding credit risk mitigation group are established;

[0037] When the virtual business contract identifier and the virtual mitigation contract identifier of the corresponding credit risk mitigation group are established for each element in the third array, the establishment process of the corresponding credit risk mitigation group is completed.

[0038] Optionally, in certain optional implementations, the virtual business contract identifier and the virtual mitigation contract identifier of the corresponding credit risk mitigation group are established in accordance with the order of the elements in the third array and in turn according to the virtual business contracts and the corresponding virtual mitigation contracts of the elements, including:

[0039] Starting from the first element in the third array, for any element, the following steps are performed: judging the virtual service contract identifier and the virtual release contract identifier of the virtual service contract corresponding to the element;

[0040] If the virtual business contract identifier = 0 and the virtual mitigation contract identifier = 0, obtain the master node and slave node identified by the corresponding credit risk mitigation group, and modify the virtual business contract identifier of the corresponding credit risk mitigation group to 1 and the virtual mitigation contract identifier of the corresponding credit risk mitigation group to 1;

[0041] If the virtual business contract identifier = 1 and the virtual mitigation contract identifier = 0, obtain the slave node identified by the corresponding credit risk mitigation group, and modify the virtual mitigation contract identifier of the corresponding credit risk mitigation group to 1;

[0042] If the virtual business contract identifier = 0 and the virtual mitigation contract identifier = 1, obtain the master node for the corresponding credit risk mitigation group identification, and modify the virtual business contract identifier of the corresponding credit risk mitigation group to 1;

[0043] If the virtual business contract identifier = 1 and the virtual mitigation contract identifier = 1, the process of establishing the credit risk mitigation group corresponding to the element is completed.

[0044] In a second aspect, a credit risk mitigation grouping device includes: a virtual mitigation contract establishment unit, a virtual business contract establishment unit and a credit risk mitigation grouping unit;

[0045] The virtual mitigation contract establishment unit is used to establish the mortgage guarantee contract identifier and mitigation product identifier of the corresponding virtual mitigation contract based on the mortgage guarantee contract and the corresponding mitigation product to be grouped for risk mitigation, wherein the mortgage guarantee contract corresponds to the mortgage guarantee contract identifier, the mitigation product corresponds to the mitigation product identifier, the mortgage guarantee contract serves as the master node, and the mitigation product serves as the slave node;

[0046] The virtual business contract establishment unit is used to establish a business contract identifier and a mitigation product identifier of a corresponding virtual business contract based on the business contract to be grouped for risk mitigation and the corresponding mitigation product, wherein the business contract corresponds to the business contract identifier, the mitigation product corresponds to the mitigation product identifier, the business contract serves as a master node, and the mitigation product serves as a slave node;

[0047] The credit risk mitigation grouping unit is used to establish a virtual business contract identifier and a virtual mitigation contract identifier of a corresponding credit risk mitigation group based on the virtual business contract and the virtual mitigation contract, wherein the virtual business contract corresponds to the virtual business contract identifier, the virtual mitigation contract corresponds to the virtual mitigation contract identifier, the virtual business contract serves as a master node, and the virtual mitigation contract serves as a slave node.

[0048] In a third aspect, a computer-readable storage medium stores a program, which, when executed by a processor, implements any of the above-mentioned credit risk mitigation grouping methods.

[0049] In a fourth aspect, an electronic device comprises at least one processor, and at least one memory and a bus connected to the processor; wherein the processor and the memory communicate with each other via the bus; and the processor is used to call program instructions in the memory to execute any one of the above-mentioned credit risk mitigation grouping methods.

[0050] By means of the above technical scheme, a grouping method and related device for credit risk mitigation provided by the present invention can establish a mortgage guarantee contract identifier and a mitigation product identifier of a corresponding virtual mitigation contract based on the mortgage guarantee contract to be grouped for risk mitigation and the corresponding mitigation product, wherein the mortgage guarantee contract corresponds to the mortgage guarantee contract identifier, the mitigation product corresponds to the mitigation product identifier, the mortgage guarantee contract serves as a master node, and the mitigation product serves as a slave node; based on the business contract to be grouped for risk mitigation and the corresponding mitigation product, establish a business contract identifier and a mitigation product identifier of the corresponding virtual business contract, wherein the business contract corresponds to the business contract identifier, the mitigation product corresponds to the mitigation product identifier, the business contract serves as a master node, and the mitigation product serves as a slave node; based on the virtual business contract and the virtual mitigation contract, establish a virtual business contract identifier and a virtual mitigation contract identifier of the corresponding credit risk mitigation group, wherein the virtual business contract corresponds to the virtual business contract identifier, the virtual mitigation contract corresponds to the virtual mitigation contract identifier, the virtual business contract serves as a master node, and the virtual mitigation contract serves as a slave node. It can be seen from this that the present invention can avoid direct comparison between debts and release items by establishing virtual business contracts and virtual release contracts, greatly reduce the amount of data directly used for grouping, and improve processing speed. The present invention uses dual identification (master node and slave node) for grouping, reducing the use of data tables. Only dual identification is required for judgment and grouping, which greatly improves processing efficiency and reduces data redundancy.

[0051] The above description is only an overview of the technical solution of the present invention. In order to more clearly understand the technical means of the present invention, it can be implemented according to the contents of the specification. In order to make the above and other purposes, features and advantages of the present invention more obvious and easy to understand, the specific implementation methods of the present invention are listed below. BRIEF DESCRIPTION OF THE DRAWINGS

[0052] Various other advantages and benefits will become apparent to those of ordinary skill in the art by reading the detailed description of the preferred embodiments below. The accompanying drawings are only for the purpose of illustrating the preferred embodiments and are not to be considered as limiting the present invention. Moreover, the same reference symbols are used throughout the accompanying drawings to represent the same components. In the accompanying drawings:

[0053] Figure 1A schematic diagram of a risk mitigation many-to-many scenario provided by the present invention is shown;

[0054] Figure 2 A flow chart showing a credit risk mitigation grouping method provided by the present invention;

[0055] Figure 3 A schematic diagram of another risk mitigation many-to-many scenario provided by the present invention is shown;

[0056] Figure 4 A schematic structural diagram of a grouping device for credit risk mitigation provided by the present invention is shown;

[0057] Figure 5 A structural schematic diagram of an electronic device provided by the present invention is shown. DETAILED DESCRIPTION

[0058] The exemplary embodiments of the present invention will be described in more detail below with reference to the accompanying drawings. Although the exemplary embodiments of the present invention are shown in the accompanying drawings, it should be understood that the present invention can be implemented in various forms and should not be limited by the embodiments set forth herein. On the contrary, these embodiments are provided in order to enable a more thorough understanding of the present invention and to enable the scope of the present invention to be fully communicated to those skilled in the art.

[0059] like Figure 2 As shown, the present invention provides a grouping method for credit risk mitigation, including: S100, S200 and S300;

[0060] S100, based on the mortgage guarantee contract and the corresponding mitigation product to be grouped for risk mitigation, establish the mortgage guarantee contract identifier and the mitigation product identifier of the corresponding virtual mitigation contract, wherein the mortgage guarantee contract corresponds to the mortgage guarantee contract identifier, the mitigation product corresponds to the mitigation product identifier, the mortgage guarantee contract serves as the master node, and the mitigation product serves as the slave node;

[0061] Optionally, many-to-many grouping is a form of association between debt and mitigation products, and is an important step in the risk mitigation process. Due to the existence of repeated mortgages or mutual guarantees in collateral in credit business, the complexity of many-to-many processing is caused. Especially in the many-to-many grouping process, how to confirm the integrity and independence of the grouping in a pile of data is a prerequisite for the accuracy of subsequent mitigation allocation. At present, the common many-to-many grouping method is mainly the linked list construction method. Use the debt loop to perform breadth traversal to build a linked list of debt and mitigation products.

[0062] In the linked list construction method, the linked list is used for breadth traversal, so the processing process is clear and it is convenient to add and delete nodes. However, since the nodes of the linked list are based on the debt and slow-release items, as the amount of data increases, the server CPU and memory resources will be occupied in large quantities, and the processing speed will drop rapidly.

[0063] That is, the existing methods focus on the complex relationship between debts and deferred goods, while the present invention introduces the nodes of virtual deferred contracts and virtual business contracts, and further constructs many-to-many groupings based on virtual contracts. The scenarios after introducing the nodes of virtual deferred contracts and virtual business contracts are as follows: Figure 3 As shown, the present invention is not limited to this.

[0064] Optional, combined Figure 3 It can be seen that after the present invention introduces virtual slow-release contracts and virtual business contract nodes in the many-to-many slow-release grouping, the direct comparison of debts and slow-release items is avoided, thereby greatly reducing the amount of data directly used in the grouping and improving the processing speed. In addition, the present invention uses double identification for grouping, reducing the use of data tables, and only requires identification judgment, which greatly improves processing efficiency and reduces data redundancy.

[0065] Optionally, in some optional embodiments, the S100 includes: step 1.1, step 1.2 and step 1.3;

[0066] Step 1.1: Establish a corresponding first array according to each mortgage guarantee contract to be grouped for risk mitigation, wherein the first array includes a plurality of elements, and one element corresponds to one mortgage guarantee contract;

[0067] Step 1.2, according to the order of the elements in the first array, based on the mortgage guarantee contracts and corresponding release products of the elements, establish the mortgage guarantee contract identifier and release product identifier of the corresponding virtual release contract;

[0068] Optionally, in some optional embodiments, the step 1.2 includes: step 2.1, step 2.2, step 2.3, step 2.4 and step 2.5;

[0069] Step 2.1, starting from the first element in the first array, for any element, execute: judging the mortgage guarantee contract identifier and the release-relief product identifier of the virtual release-relief contract corresponding to the element;

[0070] Step 2.2, if the mortgage guarantee contract identifier = 0 and the mitigation product identifier = 0, obtain the master node and slave node identified by the corresponding virtual mitigation contract, and modify the mortgage guarantee contract identifier of the corresponding virtual mitigation contract to 1 and modify the mitigation product identifier of the corresponding virtual mitigation contract to 1;

[0071] Step 2.3: If the mortgage guarantee contract identifier = 1 and the mitigation product identifier = 0, obtain the slave node identified by the corresponding virtual mitigation contract, and modify the mitigation product identifier of the corresponding virtual mitigation contract to 1;

[0072] Step 2.4: If the mortgage guarantee contract identifier = 0 and the release product identifier = 1, obtain the master node of the corresponding virtual release contract identification, and modify the mortgage guarantee contract identifier of the corresponding virtual release contract to 1;

[0073] Step 2.5: If the mortgage guarantee contract identifier = 1 and the release product identifier = 1, the identification establishment process of the virtual release contract corresponding to the element is completed.

[0074] Step 1.3: When the mortgage guarantee contract identifier and the release product identifier of the corresponding virtual release contract are established for each element in the first array, the identification establishment process of each virtual release contract is completed.

[0075] Optionally, the present invention uses the mortgage guarantee contract as the main node and the slow-release product as the slave node, and constructs a virtual slow-release contract with a data structure as shown in Table 1 according to the double identification method. The present invention does not impose any limitation on this.

[0076] Table 1

[0077] Virtual Mitigation Contract Mortgage guarantee contract logo Mortgage guarantee contract Sustained release Sustained release product labeling

[0078] For example, A1: construct the main node data array A[n] of the mortgage guarantee contracts to be grouped, using a cursor in the database;

[0079] A2: For the mortgage guarantee contract A[i], obtain the master and slave identifiers (the identifier of the master node and the identifier of the slave node) of the node (the corresponding virtual release contract node) and perform judgment and classification;

[0080] a2.1: If the mortgage guarantee contract identifier = 0 and the release product identifier = 0, a new grouping process is performed to obtain the master node and slave node identifiable by the mortgage guarantee contract A[i], and identify them respectively (mortgage guarantee contract identifier = 1, release product identifier = 1), and re-enter the above A2 judgment.

[0081] a2.2: If the mortgage guarantee contract identifier = 1 and the release product identifier = 0, obtain the slave node identifiable by the mortgage guarantee contract A[i], identify it (mortgage guarantee contract identifier = 1, release product identifier = 1), and re-enter the above A2 judgment.

[0082] a2.3: If the mortgage guarantee contract identifier = 0 and the release product identifier = 1, obtain the main node identifiable by the mortgage guarantee contract A[i], identify it (mortgage guarantee contract identifier = 1 and release product identifier = 1), and re-enter the above A2 judgment.

[0083] a2.4: If the mortgage guarantee contract identifier = 1 and the slow-release product identifier = 1, then the grouping process of the mortgage guarantee contract A[i] is exited.

[0084] A3: If the master-slave identifiers of all nodes in A[n] are [1,1], the construction process of the virtual release contract is completed.

[0085] It should be noted that the establishment of virtual slow-release contracts avoids the direct use of slow-release products for grouping, which can reduce the amount of data to a certain extent. Figure 3 It can be seen that one virtual slow-release contract can correspond to multiple slow-release products. When the virtual slow-release contract is used for grouping later, the amount of data that needs to be processed is significantly reduced when the virtual slow-release contract is not used for grouping.

[0086] S200, based on the business contract to be grouped for risk mitigation and the corresponding mitigation product, establish a business contract identifier and a mitigation product identifier of the corresponding virtual business contract, wherein the business contract corresponds to the business contract identifier, the mitigation product corresponds to the mitigation product identifier, the business contract serves as a master node, and the mitigation product serves as a slave node;

[0087] Optionally, in some optional embodiments, the S200 includes: step 3.1, step 3.2 and step 3.3;

[0088] Step 3.1: Establish a corresponding second array according to each business contract to be grouped for risk mitigation, wherein the second array includes a plurality of elements, and one element corresponds to one business contract;

[0089] Step 3.2, according to the order of the elements in the second array, and in turn according to the business contracts and corresponding sustained-release products of the elements, establish the business contract identifier and the sustained-release product identifier of the corresponding virtual business contract;

[0090] Optionally, in some optional embodiments, the step 3.2 includes: step 4.1, step 4.2, step 4.3, step 4.4 and step 4.5;

[0091] Step 4.1, starting from the first element in the second array, for any element, execute: judging the business contract identifier and the sustained-release product identifier of the virtual business contract corresponding to the element;

[0092] Step 4.2: If the business contract identifier = 0 and the slow-release product identifier = 0, obtain the master node and slave node identified by the corresponding virtual business contract, and modify the business contract identifier of the corresponding virtual business contract to 1 and the slow-release product identifier of the corresponding virtual business contract to 1;

[0093] Step 4.3: If the business contract identifier = 1 and the slow-release product identifier = 0, obtain the slave node identified by the corresponding virtual business contract, and modify the slow-release product identifier of the corresponding virtual business contract to 1;

[0094] Step 4.4: If the business contract identifier = 0 and the sustained-release product identifier = 1, obtain the master node of the corresponding virtual business contract identification, and modify the business contract identifier of the corresponding virtual business contract to 1;

[0095] Step 4.5: If the business contract identifier = 1 and the sustained-release product identifier = 1, the identification establishment process for the virtual business contract corresponding to the element is completed.

[0096] Step 3.3: After the business contract identifier and the sustained-release product identifier of the corresponding virtual business contract are established for each element in the second array, the identifier establishment process of each virtual business contract is completed.

[0097] Optionally, the present invention takes the business contract as the main node and the sustained-release product as the slave node, and constructs a virtual sustained-release contract with a data structure as shown in Table 2 according to the double identification method, and the present invention does not impose any limitation on this.

[0098] Table 2

[0099] Virtual Business Contract Business contract identification Business Contract Sustained release Sustained release product labeling

[0100] For example, B1: construct the master node data array B[n] corresponding to the business contracts to be grouped, and use the cursor in the database;

[0101] B2: For the business contract B[i], obtain the master and slave identifiers of the node and make judgments and classifications;

[0102] b2.1: If the business contract identifier = 0 and the sustained-release product identifier = 0, a new grouping process is performed to obtain the master node and slave node identifiable by the business contract B[i], identify them respectively (business contract identifier = 1, sustained-release product identifier = 1), and re-enter the above B2 judgment.

[0103] b2.2: If the business contract identifier = 1 and the sustained-release product identifier = 0, obtain the slave node identifiable by the business contract B[i], identify it (business contract identifier = 1, sustained-release product identifier = 1), and re-enter the above B2 judgment.

[0104] b2.3: ​​If the business contract identifier = 0 and the sustained-release product identifier = 1, obtain the main node identifiable by the business contract B[i], identify it (business contract identifier = 1, sustained-release product identifier = 1), and re-enter the above B2 judgment.

[0105] b2.4: If the business contract identifier = 1 and the sustained-release product identifier = 1, then the business contract B[i] grouping process is exited.

[0106] B: If the master-slave identifiers of all nodes in the business contract B[n] are [1, 1], it means that the virtual business contract construction process is completed.

[0107] S300. Based on the virtual business contract and the virtual mitigation contract, establish a virtual business contract identifier and a virtual mitigation contract identifier of the corresponding credit risk mitigation group, wherein the virtual business contract corresponds to the virtual business contract identifier, the virtual mitigation contract corresponds to the virtual mitigation contract identifier, the virtual business contract serves as the master node, and the virtual mitigation contract serves as the slave node.

[0108] Optionally, in some optional implementations, the S300 includes: step 5.1, step 5.2 and step 5.3;

[0109] Step 5.1: Create a corresponding third array according to each of the business contracts, wherein the third array includes a plurality of elements, and one element corresponds to one of the business contracts;

[0110] Step 5.2, according to the order of the elements in the third array, and in turn according to the virtual business contracts and corresponding virtual mitigation contracts of the elements, establish the virtual business contract identifier and virtual mitigation contract identifier of the corresponding credit risk mitigation group;

[0111] Step 5.3: When each element in the third array has established the virtual business contract identifier and the virtual mitigation contract identifier of the corresponding credit risk mitigation group, the establishment process of the corresponding credit risk mitigation group is completed.

[0112] Optionally, in some optional embodiments, the step 5.2 includes: step 6.1, step 6.2, step 6.3, step 6.4 and step 6.5;

[0113] Step 6.1, starting from the first element in the third array, for any element, execute: judging the virtual business contract identifier and the virtual release contract identifier of the virtual business contract corresponding to the element;

[0114] Step 6.2: If the virtual business contract identifier = 0 and the virtual mitigation contract identifier = 0, obtain the master node and slave node identified by the corresponding credit risk mitigation group, and modify the virtual business contract identifier of the corresponding credit risk mitigation group to 1 and the virtual mitigation contract identifier of the corresponding credit risk mitigation group to 1;

[0115] Step 6.3: If the virtual business contract identifier = 1 and the virtual mitigation contract identifier = 0, obtain the slave node identified by the corresponding credit risk mitigation group, and modify the virtual mitigation contract identifier of the corresponding credit risk mitigation group to 1;

[0116] Step 6.4: If the virtual business contract identifier = 0 and the virtual mitigation contract identifier = 1, obtain the master node for the corresponding credit risk mitigation group identification, and modify the virtual business contract identifier of the corresponding credit risk mitigation group to 1;

[0117] Step 6.5: If the virtual business contract identifier = 1 and the virtual mitigation contract identifier = 1, the process of establishing the corresponding credit risk mitigation group for the element is completed.

[0118] Optionally, the present invention uses the virtual business contract as the main node and the virtual mitigation contract as the slave node, and constructs a credit risk mitigation group with a data structure as shown in Table 3 according to the double identification method. The present invention does not impose any limitation on this.

[0119] Table 3

[0120]

[0121] For example, C1: construct the master node data array C[n] corresponding to the virtual business contract to be grouped, and use the cursor in the database;

[0122] C2: For the virtual business contract C[i], obtain the master and slave identifiers of the node and make judgments and classifications;

[0123] c2.1: If the virtual business contract mark = 0 and the virtual release contract mark = 0, a new grouping process is performed to obtain the master node and slave node identifiable by the virtual business contract C[i], mark them respectively (virtual business contract mark = 1, virtual release contract mark = 1), and re-enter the above C2 judgment.

[0124] c2.2: If the virtual business contract mark = 1 and the virtual release contract mark = 0, obtain the slave node identifiable by the virtual business contract C[i], identify it (virtual business contract mark = 1, virtual release contract mark = 1), and re-enter the above C2 judgment.

[0125] c2.3: If the virtual business contract mark = 0 and the virtual release contract mark = 1, obtain the main node identifiable by the virtual business contract C[i], identify it (virtual business contract mark = 1, virtual release contract mark = 1), and re-enter the above C2 judgment.

[0126] c2.4: If the virtual service contract flag = 1 and the virtual release contract flag = 1, then exit the virtual service contract C[i] grouping process.

[0127] C3: If the master-slave identifiers of all nodes in the virtual business contract C[n] are [1, 1], it means that the construction process of the credit risk mitigation group is completed.

[0128] like Figure 4As shown, the present invention provides a credit risk mitigation grouping device, comprising: a virtual mitigation contract establishing unit 100, a virtual business contract establishing unit 200 and a credit risk mitigation grouping unit 300;

[0129] The virtual mitigation contract establishment unit 100 is used to establish the mortgage guarantee contract identifier and mitigation product identifier of the corresponding virtual mitigation contract based on the mortgage guarantee contract and the corresponding mitigation product to be grouped for risk mitigation, wherein the mortgage guarantee contract corresponds to the mortgage guarantee contract identifier, the mitigation product corresponds to the mitigation product identifier, the mortgage guarantee contract serves as the master node, and the mitigation product serves as the slave node;

[0130] The virtual business contract establishing unit 200 is used to establish a business contract identifier and a mitigation product identifier of a corresponding virtual business contract based on the business contract to be grouped for risk mitigation and the corresponding mitigation product, wherein the business contract corresponds to the business contract identifier, the mitigation product corresponds to the mitigation product identifier, the business contract serves as a master node, and the mitigation product serves as a slave node;

[0131] The credit risk mitigation grouping unit 300 is used to establish a virtual business contract identifier and a virtual mitigation contract identifier of a corresponding credit risk mitigation group based on the virtual business contract and the virtual mitigation contract, wherein the virtual business contract corresponds to the virtual business contract identifier, the virtual mitigation contract corresponds to the virtual mitigation contract identifier, the virtual business contract serves as a master node, and the virtual mitigation contract serves as a slave node.

[0132] Optionally, in some optional implementations, the virtual release contract establishment unit 100 includes: a first array establishment subunit, a first identification establishment subunit and a first identification completion subunit;

[0133] The first array establishing subunit is used to establish a corresponding first array according to each mortgage guarantee contract to be grouped for risk mitigation, wherein the first array includes a plurality of elements, and one element corresponds to one mortgage guarantee contract;

[0134] The first identification establishment subunit is used to establish the mortgage guarantee contract identification and the mitigation product identification of the corresponding virtual mitigation contract according to the order of the elements in the first array and the mortgage guarantee contracts and corresponding mitigation products of the elements in turn;

[0135] The first identification completion subunit is used to complete the identification establishment process of each virtual release contract after each element in the first array has established the mortgage guarantee contract identification and the release product identification of the corresponding virtual release contract.

[0136] Optionally, in some optional embodiments, the first identification establishment subunit includes: a first judgment subunit, a first result subunit, a second result subunit, a third result subunit and a fourth result subunit;

[0137] The first judgment subunit is used to start from the first element in the first array and, for any element, perform the following steps: judging the mortgage guarantee contract identifier and the release-relief product identifier of the virtual release-relief contract corresponding to the element;

[0138] The first result subunit is used to obtain the master node and slave node of the corresponding virtual release contract identification if the mortgage guarantee contract identifier = 0 and the release product identifier = 0, and modify the mortgage guarantee contract identifier of the corresponding virtual release contract to 1 and modify the release product identifier of the corresponding virtual release contract to 1;

[0139] The second result subunit is used to obtain the slave node identified by the corresponding virtual release contract if the mortgage guarantee contract identifier = 1 and the release product identifier = 0, and modify the release product identifier of the corresponding virtual release contract to 1;

[0140] The third result subunit is used to obtain the master node of the corresponding virtual release contract identification if the mortgage guarantee contract identifier = 0 and the release product identifier = 1, and modify the mortgage guarantee contract identifier of the corresponding virtual release contract to 1;

[0141] The fourth result subunit is used to complete the identification establishment process of the virtual release contract corresponding to the element if the mortgage guarantee contract identification = 1 and the release product identification = 1.

[0142] Optionally, in some optional implementations, the virtual service contract establishing unit 200 includes: a second array establishing subunit, a second identification establishing subunit, and a second identification completing subunit;

[0143] The second array establishing subunit is used to establish a corresponding second array according to each business contract to be grouped for risk mitigation, wherein the second array includes a plurality of elements, and one element corresponds to one business contract;

[0144] The second identification establishment subunit is used to establish the business contract identification and the sustained-release product identification of the corresponding virtual business contract according to the business contract and the corresponding sustained-release product of each element in the order of the elements in the second array;

[0145] The second identification completion subunit is used to complete the identification establishment process of each virtual business contract after each element in the second array has established the business contract identification and the sustained-release product identification of the corresponding virtual business contract.

[0146] Optionally, in certain optional embodiments, the second identification establishing subunit includes: a second judging subunit, a fifth result subunit, a sixth result subunit, a seventh result subunit and an eighth result subunit;

[0147] The second judgment subunit is used to start from the first element in the second array and, for any element, perform the following steps: judging the business contract identifier and the sustained-release product identifier of the virtual business contract corresponding to the element;

[0148] The fifth result subunit is used to obtain the master node and slave node identified by the corresponding virtual business contract if the business contract identifier = 0 and the sustained-release product identifier = 0, and to modify the business contract identifier of the corresponding virtual business contract to 1 and the sustained-release product identifier of the corresponding virtual business contract to 1;

[0149] The sixth result subunit is used for obtaining the slave node identified by the corresponding virtual business contract if the business contract identifier = 1 and the slow-release product identifier = 0, and modifying the slow-release product identifier of the corresponding virtual business contract to 1;

[0150] The seventh result subunit is used to obtain the main node of the corresponding virtual business contract identification if the business contract identifier = 0 and the sustained-release product identifier = 1, and modify the business contract identifier of the corresponding virtual business contract to 1;

[0151] The eighth result subunit is used to complete the identification establishment process of the virtual business contract corresponding to the element if the business contract identification = 1 and the sustained-release product identification = 1.

[0152] Optionally, in certain optional implementations, the credit risk mitigation grouping unit 300 includes: a third array establishing subunit, a third identification establishing subunit, and a third identification completing subunit;

[0153] The third array establishing subunit is used to establish a corresponding third array according to each of the business contracts, wherein the third array includes a plurality of elements, and one element corresponds to one of the business contracts;

[0154] The third identification establishment subunit is used to establish the virtual business contract identification and the virtual mitigation contract identification of the corresponding credit risk mitigation group according to the virtual business contract and the corresponding virtual mitigation contract of each element in the order of the elements in the third array;

[0155] The third identification completion subunit is used to complete the establishment process of the corresponding credit risk mitigation group after each element in the third array has established the virtual business contract identification and virtual mitigation contract identification of the corresponding credit risk mitigation group.

[0156] Optionally, in certain optional embodiments, the third identification establishing subunit includes: a third judgment subunit, a ninth result subunit, a tenth result subunit, an eleventh result subunit and a twelfth result subunit;

[0157] The third judgment subunit is used to start from the first element in the third array and, for any element, perform the following steps: judging the virtual service contract identifier and the virtual release contract identifier of the virtual service contract corresponding to the element;

[0158] The ninth result subunit is used for obtaining the master node and slave node identified by the corresponding credit risk mitigation group if the virtual business contract identifier = 0 and the virtual mitigation contract identifier = 0, and modifying the virtual business contract identifier of the corresponding credit risk mitigation group to 1 and the virtual mitigation contract identifier of the corresponding credit risk mitigation group to 1;

[0159] The tenth result subunit is used for obtaining the slave node identified by the corresponding credit risk mitigation group if the virtual business contract identifier = 1 and the virtual mitigation contract identifier = 0, and modifying the virtual mitigation contract identifier of the corresponding credit risk mitigation group to 1;

[0160] The eleventh result subunit is used to obtain the master node of the corresponding credit risk mitigation group identification if the virtual business contract identifier = 0 and the virtual mitigation contract identifier = 1, and modify the virtual business contract identifier of the corresponding credit risk mitigation group to 1;

[0161] The twelfth result subunit is used to complete the process of establishing the credit risk mitigation group corresponding to the element if the virtual business contract identifier = 1 and the virtual mitigation contract identifier = 1.

[0162] The present invention provides a computer-readable storage medium having a program stored thereon, wherein when the program is executed by a processor, the grouping method for credit risk mitigation described in any one of the above items is implemented.

[0163] like Figure 5 As shown, the present invention provides an electronic device 70, which includes at least one processor 701, and at least one memory 702 and a bus 703 connected to the processor 701; wherein the processor 701 and the memory 702 communicate with each other through the bus 703; the processor 701 is used to call the program instructions in the memory 702 to execute any of the above-mentioned credit risk mitigation grouping methods.

[0164] In the present invention, relational terms such as first and second, etc. are used only to distinguish one entity or operation from another entity or operation, and do not necessarily require or imply any such actual relationship or order between these entities or operations. Moreover, the terms "comprise", "include" or any other variants thereof are intended to cover non-exclusive inclusion, so that a process, method, article or device including a series of elements includes not only those elements, but also other elements not explicitly listed, or also includes elements inherent to such process, method, article or device. In the absence of further restrictions, the elements defined by the statement "comprise a ..." do not exclude the presence of other identical elements in the process, method, article or device including the elements.

[0165] Each embodiment in this specification is described in a related manner, and the same or similar parts between the embodiments can be referred to each other, and each embodiment focuses on the differences from other embodiments. In particular, for the system embodiment, since it is basically similar to the method embodiment, the description is relatively simple, and the relevant parts can be referred to the partial description of the method embodiment.

[0166] The above description of the disclosed embodiments enables those skilled in the art to implement or use the present invention. Various modifications to these embodiments will be apparent to those skilled in the art, and the general principles defined in the present invention may be implemented in other embodiments without departing from the spirit or scope of the present invention. Therefore, the present invention will not be limited to the embodiments shown in the present invention, but will conform to the widest scope consistent with the principles and novel features disclosed in the present invention.

[0167] The above description is only a preferred embodiment of the present invention and is not intended to limit the protection scope of the present invention. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of the present invention are included in the protection scope of the present invention.

Claims

1. A grouping method for credit risk mitigation, characterized in that: include: Based on the mortgage guarantee contract and the corresponding mitigation product to be grouped for risk mitigation, a mortgage guarantee contract identifier and a mitigation product identifier of the corresponding virtual mitigation contract are established, wherein the mortgage guarantee contract corresponds to the mortgage guarantee contract identifier, the mitigation product corresponds to the mitigation product identifier, the mortgage guarantee contract serves as the master node, and the mitigation product serves as the slave node; Based on the business contracts to be grouped for risk mitigation and the corresponding mitigation products, a business contract identifier and a mitigation product identifier of the corresponding virtual business contract are established, wherein the business contract corresponds to the business contract identifier, the mitigation product corresponds to the mitigation product identifier, the business contract serves as a master node, and the mitigation product serves as a slave node; Based on the virtual business contract and the virtual mitigation contract, a virtual business contract identifier and a virtual mitigation contract identifier of the corresponding credit risk mitigation group are established, wherein the virtual business contract corresponds to the virtual business contract identifier, the virtual mitigation contract corresponds to the virtual mitigation contract identifier, the virtual business contract serves as the master node, and the virtual mitigation contract serves as the slave node.

2. The method according to claim 1, characterized in that The method of establishing the mortgage guarantee contract identifier and the mitigation product identifier of the corresponding virtual mitigation contract based on the mortgage guarantee contract and the corresponding mitigation product to be grouped for risk mitigation includes: According to each mortgage guarantee contract to be grouped for risk mitigation, a corresponding first array is established, wherein the first array includes a plurality of elements, and one element corresponds to one mortgage guarantee contract; According to the order of the elements in the first array, and in turn according to the mortgage guarantee contracts and corresponding mitigation products of the elements, the mortgage guarantee contract identifier and mitigation product identifier of the corresponding virtual mitigation contract are established; When the mortgage guarantee contract identifier and the release product identifier of the corresponding virtual release contract are established for each element in the first array, the identifier establishment process of each virtual release contract is completed.

3. The method according to claim 2, characterized in that According to the order of the elements in the first array, the mortgage guarantee contract identifier and the mitigation product identifier of the corresponding virtual mitigation contract are established according to the mortgage guarantee contract and the corresponding mitigation product of each element, including: Starting from the first element in the first array, for any element, the following steps are performed: judging the mortgage guarantee contract identifier and the release-relief product identifier of the virtual release-relief contract corresponding to the element; If the mortgage guarantee contract identifier = 0 and the mitigation product identifier = 0, obtain the master node and slave node identified by the corresponding virtual mitigation contract, and modify the mortgage guarantee contract identifier of the corresponding virtual mitigation contract to 1 and modify the mitigation product identifier of the corresponding virtual mitigation contract to 1; If the mortgage guarantee contract identifier = 1 and the mitigation product identifier = 0, obtain the slave node identified by the corresponding virtual mitigation contract, and modify the mitigation product identifier of the corresponding virtual mitigation contract to 1; If the mortgage guarantee contract identifier = 0 and the release product identifier = 1, obtain the master node of the corresponding virtual release contract identification, and modify the mortgage guarantee contract identifier of the corresponding virtual release contract to 1; If the mortgage guarantee contract identifier = 1 and the release product identifier = 1, the identification establishment process for the virtual release contract corresponding to the element is completed.

4. The method according to claim 1, characterized in that The step of establishing the business contract identifier and the mitigation product identifier of the corresponding virtual business contract based on the business contract to be grouped for risk mitigation and the corresponding mitigation product includes: According to each business contract to be grouped for risk mitigation, a corresponding second array is established, wherein the second array includes a plurality of elements, and one element corresponds to one of the business contracts; According to the order of the elements in the second array, the business contract identifier and the sustained-release product identifier of the corresponding virtual business contract are established in turn according to the business contract and the corresponding sustained-release product of each element; When the business contract identifier and the sustained-release product identifier of the corresponding virtual business contract are established for each element in the second array, the identification establishment process of each virtual business contract is completed.

5. The method according to claim 4, characterized in that The step of establishing the business contract identifier and the sustained-release product identifier of the corresponding virtual business contract according to the order of the elements in the second array and the business contract and the corresponding sustained-release product of each element in turn includes: Starting from the first element in the second array, for any element, the following steps are performed: judging the business contract identifier and the sustained-release product identifier of the virtual business contract corresponding to the element; If the business contract identifier = 0 and the slow-release product identifier = 0, obtain the master node and slave node identified by the corresponding virtual business contract, and modify the business contract identifier of the corresponding virtual business contract to 1 and modify the slow-release product identifier of the corresponding virtual business contract to 1; If the business contract identifier = 1 and the slow-release product identifier = 0, obtain the slave node identified by the corresponding virtual business contract, and modify the slow-release product identifier of the corresponding virtual business contract to 1; If the business contract identifier = 0 and the sustained-release product identifier = 1, obtain the primary node identified by the corresponding virtual business contract, and modify the business contract identifier of the corresponding virtual business contract to 1; If the business contract identifier = 1 and the sustained-release product identifier = 1, the identification establishment process for the virtual business contract corresponding to the element is completed.

6. The method according to claim 1, characterized in that The step of establishing the virtual business contract identifier and the virtual mitigation contract identifier of the corresponding credit risk mitigation group based on the virtual business contract and the virtual mitigation contract includes: According to each of the business contracts, a corresponding third array is established, wherein the third array includes a plurality of elements, and one element corresponds to one of the business contracts; According to the order of the elements in the third array, and in turn according to the virtual business contracts and corresponding virtual mitigation contracts of the elements, a virtual business contract identifier and a virtual mitigation contract identifier of the corresponding credit risk mitigation group are established; When the virtual business contract identifier and the virtual mitigation contract identifier of the corresponding credit risk mitigation group are established for each element in the third array, the establishment process of the corresponding credit risk mitigation group is completed.

7. The method according to claim 6, characterized in that According to the order of the elements in the third array, the virtual business contract identifier and the virtual mitigation contract identifier of the corresponding credit risk mitigation group are established in turn according to the virtual business contract and the corresponding virtual mitigation contract of each element, including: Starting from the first element in the third array, for any element, the following steps are performed: judging the virtual service contract identifier and the virtual release contract identifier of the virtual service contract corresponding to the element; If the virtual business contract identifier = 0 and the virtual mitigation contract identifier = 0, obtain the master node and slave node identified by the corresponding credit risk mitigation group, and modify the virtual business contract identifier of the corresponding credit risk mitigation group to 1 and the virtual mitigation contract identifier of the corresponding credit risk mitigation group to 1; If the virtual business contract identifier = 1 and the virtual mitigation contract identifier = 0, obtain the slave node identified by the corresponding credit risk mitigation group, and modify the virtual mitigation contract identifier of the corresponding credit risk mitigation group to 1; If the virtual business contract identifier = 0 and the virtual mitigation contract identifier = 1, obtain the master node for the corresponding credit risk mitigation group identification, and modify the virtual business contract identifier of the corresponding credit risk mitigation group to 1; If the virtual business contract identifier = 1 and the virtual mitigation contract identifier = 1, the process of establishing the credit risk mitigation group corresponding to the element is completed.

8. A grouping device for credit risk mitigation, characterized in that: include: Virtual mitigation contract establishment unit, virtual business contract establishment unit and credit risk mitigation grouping unit; The virtual mitigation contract establishment unit is used to establish the mortgage guarantee contract identifier and mitigation product identifier of the corresponding virtual mitigation contract based on the mortgage guarantee contract and the corresponding mitigation product to be grouped for risk mitigation, wherein the mortgage guarantee contract corresponds to the mortgage guarantee contract identifier, the mitigation product corresponds to the mitigation product identifier, the mortgage guarantee contract serves as the master node, and the mitigation product serves as the slave node; The virtual business contract establishment unit is used to establish a business contract identifier and a mitigation product identifier of a corresponding virtual business contract based on the business contract to be grouped for risk mitigation and the corresponding mitigation product, wherein the business contract corresponds to the business contract identifier, the mitigation product corresponds to the mitigation product identifier, the business contract serves as a master node, and the mitigation product serves as a slave node; The credit risk mitigation grouping unit is used to establish a virtual business contract identifier and a virtual mitigation contract identifier of a corresponding credit risk mitigation group based on the virtual business contract and the virtual mitigation contract, wherein the virtual business contract corresponds to the virtual business contract identifier, the virtual mitigation contract corresponds to the virtual mitigation contract identifier, the virtual business contract serves as a master node, and the virtual mitigation contract serves as a slave node.

9. A computer-readable storage medium having a program stored thereon, characterized in that: When the program is executed by a processor, the grouping method for credit risk mitigation according to any one of claims 1 to 7 is implemented.

10. An electronic device, characterized in that: The electronic device includes at least one processor, and at least one memory and a bus connected to the processor; wherein the processor and the memory communicate with each other via the bus; the processor is used to call program instructions in the memory to execute the credit risk mitigation grouping method as described in any one of claims 1 to 7.

Images