Tree-shaped hierarchical credit line management system

Abstract

The invention provides a tree hierarchy credit line management system, which relates to the technical field of management, and comprises a line configuration module, the line configuration module divides a line area into a management line and a service line, the service line corresponds to a line account opened by a client, and the management line realizes multi-hierarchy line logic. The problems that in the prior art, in terms of structural composition, principle or method, along with business development, channel financial products are increased, business rules are complex and need to be flexibly adjusted, and the complex and changeable business requirements are difficult to meet in the prior art are solved; when logics such as a whole platform 20W limit and a product customization limit are processed, the prior art may not provide a reasonably designed data structure and a simple calculation logic, resulting in low business execution efficiency; the problems that in the prior art, the structure composition, principle or method cannot adapt to the change of business rules, high-efficiency limit management and risk management are difficult to realize, and the requirements of the current business cannot be met are solved.

Description

Technical Field

[0001] The present invention belongs to the field of management technology, and more specifically, particularly relates to a tree-shaped hierarchical credit limit management system. Background Art

[0002] Credit limit management is an important way to manage risks in the field of consumer finance. However, as the business develops, the number of channel financial products continues to increase, and business rules are becoming more and more complex and need to be flexibly adjusted. In terms of processing the logic of the 200,000 limit for the entire platform and the customized limit for products, the efficient execution of the business needs to be achieved with the help of a reasonably designed data structure and concise calculation logic; however, the existing technology has problems in terms of structure, composition, principles or methods. As the business develops, the number of channel financial products increases, the business rules are complex and need to be flexibly adjusted. The existing technology is difficult to meet such complex and changeable business needs; when processing the logic of the 200,000 limit for the entire platform and the customized limit for products, the existing technology may not be able to provide a reasonably designed data structure and concise calculation logic, resulting in low business execution efficiency; the existing technology may not be able to adapt to changes in business rules in terms of structure, composition, principles or methods, making it difficult to achieve efficient credit limit management and risk management, and unable to meet the needs of current business. Summary of the invention

[0003] In order to solve the above technical problems, the present invention provides a tree-shaped hierarchical credit limit management system to solve the problems raised by the background technology.

[0004] The tree-shaped hierarchical credit limit management system of the present invention is achieved by the following specific technical means:

[0005] A tree-shaped hierarchical credit line management system: comprising a line configuration module, wherein the line configuration module divides the line into a management line and a business line, wherein the business line corresponds to a line account opened by a customer, and the management line implements a multi-level limit logic.

[0006] Furthermore, the management quota includes Root-level quota, Level 1 quota, and Level 2 quota. The Root-level quota is a virtual quota, which corresponds to the policy limit of personal credit. The sum of all subordinate credit limits shall not exceed this limit. The Level 1 quota corresponds to the department and is divided into major categories according to the business line. The Level 2 quota is further subdivided by channel.

[0007] Furthermore; the business limit includes the business limit account and level 4 products generated by the 3-level limit configuration. The customer can only have one valid limit account with the same limit category code under the level generated by the 3-level limit configuration. The level 4 product is selected when the business limit account is opened, and has a many-to-one relationship with the 3-level limit configuration.

[0008] Furthermore, it also includes a data query module, which uses the customer number to query all the data in the credit account tree at one time during business processing, without the need for recursion level by level.

[0009] Furthermore, it also includes a cache module, which records the global credit limit hierarchy configuration and the current customer's account data. The hierarchy configuration cache serves as a credit limit account traversal map to find account data at each level according to the credit limit category code.

[0010] Furthermore, during data processing, the accounts at all levels are traversed by recursively obtaining the parent code, and an infinite loop is avoided by limiting the number of traversals.

[0011] Compared with the prior art, the present invention has the following beneficial effects:

[0012] The quota account distinguishes between management accounts and business accounts, clarifies the responsibilities of limit verification calculation and quota business rule processing, makes data storage and business processing logic clearer, and facilitates management and maintenance.

[0013] The method of using the customer number to query and obtain the credit limit account data once avoids tedious recursive queries, improves query efficiency and saves system resources.

[0014] The cache setting avoids multiple queries to the credit account data table in one business processing, significantly improves the interface response speed, and optimizes the user experience.

[0015] With the help of hierarchical configuration cache, recursive traversal management accounts from bottom to top realizes the accumulation of customer loan balances and completes the verification of limits at all levels. The code logic of data structure and traversal processing is concise and lightweight, which is conducive to system maintenance and iterative updates of business.

[0016] The system can flexibly adapt to changes in business rules. As the number of channel financial products increases and business rules become more complicated, it can efficiently execute relevant logic to meet the needs of risk management in the consumer finance field.

[0017] Reasonable quota allocation and management can help reduce risks, improve the risk management capabilities of financial institutions, and ensure the stable operation of financial services. BRIEF DESCRIPTION OF THE DRAWINGS

[0018] Figure 1 It is a logical relationship diagram from configuration data to account data of the present invention.

[0019] Figure 2 It is a relationship diagram from configuration data to account data records of the present invention. DETAILED DESCRIPTION

[0020] The present invention will be further described below in conjunction with specific embodiments, and the advantages and features of the present invention will become clearer as the description proceeds. However, these embodiments are exemplary only and do not constitute any limitation to the scope of the present invention. It should be understood by those skilled in the art that the details and forms of the technical solution of the present invention may be modified or replaced without departing from the spirit and scope of the present invention, but these modifications and replacements all fall within the scope of protection of the present invention.

[0021] Example:

[0022] As attached Figure 1 To Attachment Figure 1 As shown:

[0023] The present invention provides a tree-shaped hierarchical credit line management system, comprising a line configuration module, wherein the line configuration module divides the line into a management line and a business line, the business line corresponds to a line account opened by a customer, and the management line implements multi-level limit logic.

[0024] Among them, the management quota includes Root-level quota, Level 1 quota and Level 2 quota. The Root-level quota is a virtual quota, which corresponds to the policy limit of personal credit. The sum of all subordinate credit limits shall not exceed this limit. The Level 1 quota corresponds to the department and is divided into major categories according to business lines. The Level 2 quota is further subdivided by channel.

[0025] Among them, the business limit includes the business limit account and level 4 products generated by the 3-level limit configuration. The customer can only have one valid limit account with the same limit category code under the level generated by the 3-level limit configuration. The level 4 product is selected when the business limit account is opened, and it has a many-to-one relationship with the 3-level limit configuration.

[0026] It also includes a data query module, which uses the customer number to query all the data in the credit account tree at one time during business processing without recursion level by level.

[0027] Among them, it also includes a cache module, which records the global credit limit hierarchy configuration and the current customer's account data. The hierarchy configuration cache serves as a credit limit account traversal map to find account data at each level according to the credit limit category code.

[0028] Among them, when processing data, the parent code is recursively obtained to traverse the accounts at all levels, and an infinite loop is avoided by limiting the number of traversals.

[0029] like Figure 1 As shown:

[0030] 1. The root-level credit limit is a virtual credit limit, which corresponds to the personal credit policy limit of 200,000. The sum of all subordinate credit limits shall not exceed this limit.

[0031] 2.1 Level quota corresponds to departments, which are divided into major categories according to business lines.

[0032] 3.2 Level credit limits are further subdivided by channels, such as different partner credit platforms. Level 2 and above credit limit configurations generate customer management credit limit accounts. Such accounts are invisible and are used to perform limit control on opened credit accounts. Different management credit limit limits may be different. Lower-level credit products inherit credit limit limits from their superiors by default.

[0033] 4.3-level credit line configuration generates the credit line account that customers see, which includes information such as credit amount and credit line type. It is also called a business credit line account. Customers can only have one valid credit line account with the same credit line category code at this level.

[0034] Level 5.4 products are selected when a business quota account is opened. They have a many-to-one relationship with the level 3 quota configuration, mainly because of the differences in properties such as the number of periods and pricing. An actually registered quota account can only select one of the products.

[0035] When a credit account is opened, account data is generated based on the credit configuration. When the credit is used, the management credit account is calculated and updated from bottom to top based on the current customer's business credit account.

[0036] like Figure 2 As shown:

[0037] 1. When processing business, it is necessary to know all the credit accounts under the name of the customer. Here, the customer number is used to query all the data of the credit account tree at one time without recursion level by level.

[0038] 2. Each credit account has its own credit category code. The data is stored in the context cache with the credit category code as the key, which is divided into the global hierarchical configuration cache and the current customer's credit account cache. The credit hierarchical configuration data is currently less than 100, which can be directly cached to avoid frequent queries.

[0039] 3. When processing the credit account data of the current customer, the credit account cache of the customer is traversed through the category code hierarchical relationship in the hierarchical configuration cache, and the hierarchical configuration cache acts as a map.

[0040] 4. During registration, if the parent management credit account of the 3rd level business credit category code does not exist, a corresponding management account will be created. When the credit is released, all business credit accounts of the customer are recursively traversed from bottom to top, the user's loan balance is accumulated, and compared with the limits at all levels to achieve limit management.

[0041] The source code support of the present invention is:

[0042]

[0043]

[0044] newManageAccounts.add(newManageAccountInfo);

[0045] categoryManageAccountMap.put(parentCategoryCode,newManageAccountInfo);

[0046] parentCategoryCode=currentLevelCfg.getParentCategoryCode();

[0047] return newManageAccounts;

[0048] * Recalculate the occupied amount of all management quota account nodes and collect inconsistent data that needs to be updated

[0049] *@param categoryLevelCfgMap quota level configuration data

[0050] *@param categoryAccountMap all business accounts under the user's name

[0051] *@param categoryManageAccountMap all managed accounts under the user name

[0052] * @returnThe management account that needs to be updated

[0053] public static List <quotamanageaccountinfo>calcManageAccountUsedAmountUpdate(Map<String, QuotaLevelCfg> categoryLevelCfgMap,Map<String,QuotaAccountInfo> categoryAccountMap,Map<String,QuotaManageAccountInfo> categoryManageAccountMap){

[0054] / / Calculate the occupied amount of all management quota account nodes

[0055] Map<String,BigDecimal> categoryUsedAmountMap=

[0056] calcTreeUsedAmount(categoryLevelCfgMap,categoryAccountMap,0);

[0057] / / Compare the current management account's occupied data and collect update data

[0058] List <quotamanageaccountinfo>manageAccountUpdates=new ArrayList<>();

[0059] for(Map.Entry<String,QuotaManageAccountInfo> entry:categoryManageAccountMap.entrySet()){

[0060] String categoryCode=entry.getKey();

[0061]

[0062]

[0063] return categoryUsedAmountMap;

[0064] The specific usage and function of this embodiment are as follows:

[0065] In the present invention, the working principle of the tree-shaped hierarchical credit limit management system is as follows:

[0066] 1. Credit limit configuration: A configured credit limit tree generation scheme is adopted to divide credit limits into management credit limits and business credit limits. The root-level credit limit is a virtual credit limit, corresponding to the policy limit of 200,000 for personal credit, and the sum of all subordinate credit limits shall not exceed this limit; the first-level credit limit corresponds to the department, which is divided into major categories according to the business line; the second-level credit limit is further subdivided by channel, and the second-level and above credit limit configuration generates the customer's management credit limit account, which is used to perform limit control on the opened credit account; the third-level credit limit configuration generates the credit account that the customer sees, which contains information such as credit amount and credit type, also called business credit limit account. The customer can only have one valid credit limit account with the same credit category code at this level; the fourth-level product is selected when the business credit limit account is opened, and it has a many-to-one relationship with the third-level credit configuration.

[0067] 2. Data storage: For tree-structured credit limit data, the common parent code + tree hierarchy method is used for storage. When querying, the customer number is used to obtain the data at one time. When processing data, the account data is recursively traversed according to the credit limit product configuration data to achieve bottom-up cumulative calculation of loan balances.

[0068] 3. Credit limit usage: When the credit limit is used, the management credit limit account is calculated and updated from bottom to top according to the current customer's business credit limit account. When processing business, use the customer number to query all the data of the credit limit account tree at once, without recursion level by level. Each credit limit account has its own credit limit category code, and the data is stored in the context cache with the credit limit category code as the key, which is divided into the global hierarchical configuration cache and the credit limit account cache of the current customer. When processing the credit limit account data of the current customer, the credit limit account cache of the customer is traversed through the category code hierarchy relationship in the hierarchical configuration cache, and the hierarchical configuration cache acts as a map. At the time of registration, if the parent management credit limit account of the 3rd level business credit limit category code does not exist, a corresponding management account is created. When the credit limit is released, starting from all the customer's business credit limit accounts from the bottom up, recursively traverse the management credit limit accounts at all levels, accumulate the user's loan balance, and compare and verify with the limits at all levels to achieve limit management.

[0069] The above description is only a preferred specific implementation manner of the present invention, but the protection scope of the present invention is not limited thereto. Any technician familiar with the technical field can make equivalent replacements or changes according to the technical scheme and inventive concept of the present invention within the technical scope disclosed by the present invention, which should be covered by the protection scope of the present invention.< / quotamanageaccountinfo> < / quotamanageaccountinfo>

Claims

1. A tree-shaped hierarchical credit limit management system, characterized by: It includes a quota configuration module, which divides the quota into management quota and business quota. The business quota corresponds to the quota account opened by the customer, and the management quota implements multi-level limit logic.

2. A tree-shaped hierarchical credit limit management system as claimed in claim 1, characterized in that: The management quota includes Root-level quota, Level 1 quota and Level 2 quota. The Root-level quota is a virtual quota, which corresponds to the policy limit of personal credit. The sum of all subordinate credit limits shall not exceed this limit. The Level 1 quota corresponds to the department and is divided into major categories according to the business line. The Level 2 quota is further subdivided by channel.

3. A tree-shaped hierarchical credit limit management system as claimed in claim 1, characterized in that: The business limit includes the business limit account generated by the 3-level limit configuration and the 4-level product. The customer can only have one valid limit account with the same limit category code under the level generated by the 3-level limit configuration. The 4-level product is selected when the business limit account is opened, and has a many-to-one relationship with the 3-level limit configuration.

4. A tree-shaped hierarchical credit limit management system as claimed in claim 1, characterized in that: It also includes a data query module. When processing business, the customer number is used to query all the data in the credit account tree at one time without recursion level by level.

5. A tree-shaped hierarchical credit limit management system as claimed in claim 1, characterized in that: It also includes a cache module, which records the global credit limit hierarchy configuration and the account data of the current customer. The hierarchy configuration cache serves as a credit limit account traversal map to find account data at each level according to the credit limit category code.

6. A tree-shaped hierarchical credit limit management system as claimed in claim 1, characterized in that: When processing data, recursively obtain the parent code to traverse the accounts at all levels, and avoid infinite loops by limiting the number of traversals.

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