Loan data processing method and related device
By automatically processing pre-credit and signed reports, generating user IDs, querying the contract status and updating the credit status, the problem of low efficiency in traditional loan data processing is solved, and more efficient and accurate data processing is achieved.
Patent Information
- Application Number
- CN202411715711.7
- Authority / Receiving Office
- CN · China
- Patent Type
- Applications(China)
- Current Assignee / Owner
- Filing Date
- 2024-11-27
- Publication Date
- 2025-02-28
AI Technical Summary
Traditional loan data processing methods are inefficient and require manual comparison of pre-credit statements and signed statements, which are prone to errors and low accuracy.
By obtaining pre-creditation reports and signed reports, generating user IDs, querying the contract status, and determining the credit status based on the contract status and used quota, updating the pre-creditation sub-data, and realizing automated processing.
It improves the efficiency and accuracy of loan data processing, reduces the process of manual comparison, and improves the timeliness and accuracy of various banks in processing and updating pre-credit sub-data.
Smart Images
Figure CN119539941A_ABST
Abstract
Description
Technical Field
[0001] The present invention relates to the field of computer technology, and in particular to a loan data processing method and related devices. Background Art
[0002] With the continuous development of the financial industry, more and more users are involved in loan business, which generates a large amount of loan data including loan business user information. Loan data is divided into multiple categories according to loan type, such as consumer loan data, business loan data, etc. Each type of loan data includes pre-credit report and contract report. In order to conduct more detailed statistical analysis of users, each bank needs to process the pre-credit report and contract report of each type of loan data to obtain the user's contract status and credit status.
[0003] The traditional method of processing loan data can only involve manual comparison and screening of pre-credit reports and contracted reports, resulting in low efficiency in the loan data processing process. Summary of the invention
[0004] In view of the above problems, the present application provides a loan data processing method and related devices to solve the problem of low efficiency in the loan data processing process.
[0005] Based on this, this application discloses the following technical solutions:
[0006] In a first aspect, an embodiment of the present application provides a loan data processing method, the method comprising:
[0007] Obtaining a pre-credit report and a signed report, wherein the pre-credit report is used to describe information about users who have been granted loan qualifications, and includes multiple pre-credit sub-data, and the signed report is used to describe information about users who have signed loan services, and includes multiple signed sub-data;
[0008] Generate identifiers corresponding to the plurality of pre-credit sub-data and identifiers corresponding to the plurality of signed sub-data, wherein different identifiers are used to refer to different users;
[0009] querying whether the identifiers respectively corresponding to the multiple signed sub-data include the target identifier corresponding to the target pre-credit sub-data, and obtaining a signed status corresponding to the target identifier, wherein the target pre-credit sub-data is one pre-credit sub-data among the multiple pre-credit sub-data, and the signed status includes a signed status and an unsigned status, wherein the signed status is used to describe that the identifiers respectively corresponding to the multiple signed sub-data include the target identifier, and the unsigned status is used to describe that the identifiers respectively corresponding to the multiple signed sub-data do not include the target identifier;
[0010] If the contract status corresponding to the target identifier is the contracted status, the used credit limit corresponding to the target identifier is determined from the target contracted sub-data corresponding to the target identifier, and the credit usage status corresponding to the target identifier is determined according to the used credit limit, and the contract status corresponding to the target identifier and the credit usage status corresponding to the target identifier are added to the target pre-credit sub-data to obtain updated pre-credit sub-data, where the credit usage status is used to describe the extent to which the user corresponding to the target identifier has consumed the loan limit;
[0011] If the contract status corresponding to the target identifier is the uncontracted status, adding the contract status corresponding to the target identifier to the target pre-credit sub-data to obtain the updated pre-credit sub-data;
[0012] The plurality of pre-credit sub-data are respectively used as the target pre-credit sub-data, and updated pre-credit sub-data corresponding to the plurality of pre-credit sub-data are obtained.
[0013] Optionally, the users corresponding to the plurality of updated pre-credit sub-data are from different destination banks, and the method further includes:
[0014] Determining the destination bank corresponding to the updated pre-credit sub-data according to the institution code corresponding to the target identifier;
[0015] The updated credit sub-data is sent to a destination bank corresponding to the updated credit sub-data.
[0016] Optionally, the sending the updated credit sub-data to a destination bank corresponding to the target updated credit sub-data includes:
[0017] In response to receiving a sending instruction, compressing the target updated credit sub-data to obtain compressed data, wherein the sending instruction is an instruction received at a preset time every day;
[0018] The compressed data is sent to a destination bank corresponding to the target updated credit sub-data.
[0019] Optionally, determining the credit status corresponding to the target identifier according to the used credit limit includes:
[0020] If the used credit limit is greater than or equal to the credit threshold, it is determined that the credit status corresponding to the target identifier is a high credit status, and the credit threshold is used to distinguish the extent to which the user corresponding to the target identifier has consumed the loan limit;
[0021] If the used credit limit is less than the credit threshold and the used credit limit is not 0, determining that the credit status corresponding to the target identifier is a low credit status;
[0022] If the used credit limit is 0, it is determined that the credit status corresponding to the target identifier is an unused credit status.
[0023] Optionally, the target contracted sub-data includes a loan amount corresponding to the target identifier, and the credit threshold is obtained in the following manner:
[0024] Obtaining a credit ratio threshold, where the credit ratio threshold is the ratio of the credit threshold to the loan amount;
[0025] The credit threshold corresponding to the target identifier is determined according to the loan amount corresponding to the target identifier and the credit ratio threshold.
[0026] Optionally, the method further comprises:
[0027] Acquire a recommendation correspondence relationship, where the recommendation correspondence relationship is used to describe the relationship between the target identifier and the recommended financial product. In the recommendation correspondence relationship, the higher the degree to which the credit status corresponding to the target identifier indicates that the loan amount has been consumed, the higher the risk level of the recommended financial product. The recommended financial product is a product recommended to the user based on consumption habits;
[0028] Determine the recommended financial product corresponding to the target identifier according to the recommendation correspondence relationship;
[0029] Adding the recommended financial product corresponding to the target identifier to the target pre-credit sub-data to obtain the recommended pre-credit sub-data;
[0030] The plurality of pre-credit sub-data are respectively used as the target pre-credit sub-data to obtain the recommended pre-credit sub-data corresponding to the plurality of pre-credit sub-data.
[0031] In a second aspect, an embodiment of the present application provides a loan data processing device, the device comprising:
[0032] The acquisition unit is used to acquire a pre-credit report and a signed report, wherein the pre-credit report is used to describe information about users who have been granted loan qualifications, and the pre-credit report includes multiple pre-credit sub-data, and the signed report is used to describe information about users who have signed loan services, and the signed report includes multiple signed sub-data;
[0033] The generating unit is used to generate identifiers corresponding to the plurality of pre-credit sub-data and identifiers corresponding to the plurality of signed sub-data, wherein different identifiers are used to refer to different users;
[0034] The query unit is used to query whether the identifiers corresponding to the multiple signed sub-data include the target identifier corresponding to the target pre-credit sub-data, and obtain the signing status corresponding to the target identifier, the target pre-credit sub-data is one pre-credit sub-data among the multiple pre-credit sub-data, and the signing status includes a signed status and an unsigned status, the signed status is used to describe that the identifiers corresponding to the multiple signed sub-data include the target identifier, and the unsigned status is used to describe that the identifiers corresponding to the multiple signed sub-data do not include the target identifier;
[0035] The contracted unit is used to determine the used credit limit corresponding to the target identifier from the target contracted sub-data corresponding to the target identifier if the contracted status corresponding to the target identifier is the contracted status, determine the credit usage status corresponding to the target identifier according to the used credit limit, add the contracted status corresponding to the target identifier and the credit usage status corresponding to the target identifier to the target pre-credit sub-data, and obtain updated pre-credit sub-data, wherein the credit usage status is used to describe the extent to which the user corresponding to the target identifier has consumed the loan limit;
[0036] The non-contracted unit is configured to add the contracted state corresponding to the target identifier to the target pre-credit sub-data to obtain the updated pre-credit sub-data if the contracted state corresponding to the target identifier is the non-contracted state;
[0037] The batch processing unit is used to use the multiple pieces of pre-credit sub-data as the target pre-credit sub-data respectively, and obtain the updated pre-credit sub-data corresponding to the multiple pieces of pre-credit sub-data respectively.
[0038] In a third aspect, an embodiment of the present application provides a computer device, wherein the computer device includes a processor and a memory:
[0039] The memory is used to store a computer program and transmit the computer program to the processor;
[0040] The processor is configured to execute the method according to the first aspect of claim 1 according to the computer program.
[0041] In a fourth aspect, an embodiment of the present application provides a computer-readable storage medium, wherein the computer-readable storage medium is used to store a computer program, and the computer program is used to execute the method described in the first aspect above.
[0042] In a fifth aspect, an embodiment of the present application provides a computer program product comprising a computer program, which, when executed on a computer device, enables the computer device to execute the method described in the first aspect above.
[0043] It can be seen from the above technical solutions that the present application has at least the following beneficial effects:
[0044] A pre-credit report including multiple pre-credit sub-data and a signed report including multiple signed sub-data are obtained. Identifiers corresponding to multiple pre-credit sub-data and identifiers corresponding to multiple signed sub-data are generated, and different identifiers are used to refer to different users. It is queried whether the identifiers corresponding to the multiple signed sub-data include the target identifier corresponding to the target pre-credit sub-data, and the contract status corresponding to the target identifier is obtained. The contract status includes the contracted state and the uncontracted state. The contracted state is used to describe that the identifiers corresponding to the multiple signed sub-data include the target identifier, and the uncontracted state is used to describe that the identifiers corresponding to the multiple signed sub-data do not include the target identifier. If the contract status corresponding to the target identifier is the contracted state, the used credit amount corresponding to the target identifier is determined from the target signed sub-data corresponding to the target identifier, and the credit status corresponding to the target identifier is determined according to the used credit amount, and the contract status corresponding to the target identifier and the credit status corresponding to the target identifier are added to the target pre-credit sub-data to obtain the updated pre-credit sub-data. If the contract status corresponding to the target identifier is the uncontracted state, the contract status corresponding to the target identifier is added to the target pre-credit sub-data to obtain the updated pre-credit sub-data. The multiple pre-credit sub-data are respectively used as the target pre-credit sub-data to obtain the updated pre-credit sub-data corresponding to the multiple pre-credit sub-data. Compared with manually determining the contract status of the target user from multiple reports, the process of one-by-one comparison is saved, thereby improving the efficiency and accuracy of determining the contract status of the target user. The credit status is a branch status of the contracted status. The multi-level classification process is difficult for manual data processing and is prone to errors. The efficiency and accuracy of determining the credit status of the target user are improved, thereby quickly generating multiple updated pre-credit sub-data with high accuracy, improving the timeliness of each bank in processing the updated pre-credit sub-data and the accuracy of the updated pre-credit sub-data. BRIEF DESCRIPTION OF THE DRAWINGS
[0045] In order to more clearly illustrate the embodiments of the present application or the technical solutions in the prior art, the drawings required for use in the embodiments or the description of the prior art will be briefly introduced below. Obviously, the drawings described below are only some embodiments recorded in the present application. For ordinary technicians in this field, other drawings can be obtained based on these drawings without paying any creative work.
[0046] Figure 1 A flowchart of a loan data processing method provided in an embodiment of the present application;
[0047] Figure 2 A schematic diagram of the structure of a loan data processing device provided in an embodiment of the present application;
[0048] Figure 3 A schematic diagram of the structure of a computer device provided in an embodiment of the present application. DETAILED DESCRIPTION
[0049] The embodiments of the present application will be described in more detail below with reference to the accompanying drawings. Although certain embodiments of the present application are shown in the accompanying drawings, it should be understood that the present application can be implemented in various forms and should not be construed as being limited to the embodiments described herein. Instead, these embodiments are provided to provide a more thorough and complete understanding of the present application. It should be understood that the drawings and embodiments of the present application are only for exemplary purposes and are not intended to limit the scope of protection of the present application.
[0050] In the traditional loan data processing process, bank staff are usually required to manually compare the data in the pre-credit report and the contracted report to obtain the user status data required by the bank for analyzing user portraits, such as contract status, credit status, etc. However, this process is inefficient, prone to errors, and has a low accuracy rate.
[0051] Based on this, the embodiment of the present application provides a loan data processing method and related devices. Compared with manually determining the contract status of the target user from multiple reports, the process of one-by-one comparison is saved, thereby improving the efficiency and accuracy of determining the contract status of the target user.
[0052] The loan data processing method provided in this application can be applied to computer devices with data processing capabilities, such as terminal devices and servers. Specifically, the terminal devices can be desktop computers, laptop computers, mobile phones, tablet computers, etc.; the server can be an independent physical server, or a server cluster or distributed system composed of multiple physical servers. The terminal device and the server can be directly or indirectly connected through wired or wireless communication, and this application does not limit this.
[0053] All data collected in this application (such as pre-credit reports and contracted reports) are collected with the consent and authorization of the object to which the data belongs (such as users, institutions or enterprises), and the collection, use and processing of relevant data must comply with relevant laws, regulations and standards of relevant countries and regions.
[0054] See also Figure 1 , which is a flow chart of the loan data processing method provided by the embodiment of the present application. For the convenience of description, the following embodiment is introduced by taking the execution subject of the loan data query method as a server as an example. Figure 1 As shown, the loan data processing method includes S101-S106.
[0055] S101: Obtain pre-credit report and contracted report.
[0056] Among them, the pre-credit report is used to describe the information of users who have been granted loan qualifications, and the pre-credit report includes multiple pre-credit sub-data. The signed report is used to describe the information of users who have signed loan business, and the signed report includes multiple signed sub-data. The pre-credit report and the signed report are divided into multiple types according to the loan business. In the same loan type, there is a pre-credit report corresponding to the loan type and a signed report corresponding to the loan type.
[0057] For example, loan types are divided into personal consumption loans and personal business loans. By verifying the username, password and other verification information used for login, you can automatically download the personal consumption loan pre-credit report, personal consumption loan contract report, personal business loan pre-credit report and personal business loan contract report.
[0058] The pre-credit report includes multiple attributes, and the contract report includes multiple attributes. The two reports include the same attributes. For example, the pre-credit report may include the institution code, ID number, user name, user contact information, etc., and the contract report may include the institution code, ID number, user name, used credit limit, loan amount, etc. Among them, the attribute values related to user personal information such as ID number, user name, user contact information, etc. can be encrypted in the pre-credit report or the contract report.
[0059] S102: Generate identifiers corresponding to a plurality of pre-credit sub-data and identifiers corresponding to a plurality of signed sub-data.
[0060] Among them, an identifier uniquely represents a user corresponding to a pre-credit sub-data, or uniquely represents a user corresponding to a contracted sub-data, and different identifiers are used to refer to different users.
[0061] As an implementation method, both the pre-credit report and the contract report include two attributes: institution code and ID number. The identifier corresponding to the pre-credit sub-data can be generated by combining the two attributes of the pre-credit sub-data: institution code and ID number. The identifier corresponding to the contracted sub-data can be generated by combining the two attributes of the contracted sub-data: institution code and ID number.
[0062] S103: Query whether the identifiers corresponding to the multiple pieces of signed sub-data include the target identifier corresponding to the target pre-credit sub-data, and obtain the contract status corresponding to the target identifier.
[0063] The target pre-credit sub-data is one of the multiple pre-credit sub-data, the contract status includes the contracted status and the uncontracted status, and the target identifier is the identifier corresponding to the generated target pre-credit sub-data.
[0064] The signed status is used to describe that the identifiers corresponding to multiple signed sub-data include the target identifier, that is, if the multiple signed sub-data in the signed report include the target identifier, the signed status corresponding to the target identifier is the signed status. The unsigned status is used to describe that the identifiers corresponding to multiple signed sub-data do not include the target identifier, that is, if the multiple signed sub-data in the signed report do not include the target identifier, the signed status corresponding to the target identifier is the unsigned status.
[0065] In the embodiment of the present application, for the method of querying the target identifier, when the contracted report is a database table, the query operation can be performed by executing the database query language in the database; when the contracted report is an Excel table, the query operation can be performed by executing query functions such as VLOOKUP function, MATCH function, or by using Python language. For example, the table file (pre-credit report and contracted report) can be read through the pandas analysis library to generate a unique identifier for each sub-data in the table file, and the merge() function of DataFrame or the conditional selection method can be used to query whether the contracted report contains the identifier of the target pre-credit sub-data.
[0066] S104: If the contract status corresponding to the target identifier is the signed status, determine the used credit limit corresponding to the target identifier from the target signed sub-data corresponding to the target identifier, determine the credit usage status corresponding to the target identifier based on the used credit limit, add the contract status corresponding to the target identifier and the credit usage status corresponding to the target identifier to the target pre-credit sub-data, and obtain updated pre-credit sub-data.
[0067] Among them, the credit usage status is used to describe the extent to which the user corresponding to the target identifier has consumed the loan amount. According to the degree of consumption, the credit usage status can be divided into an unused credit status (no consumption of the loan amount), a low credit status (less consumption of the loan amount) and a high credit status (more consumption of the loan amount).
[0068] In a possible implementation, a low-credibility state and a high-credibility state may be distinguished by a credibility threshold, see A1-A3:
[0069] A1: If the used credit limit is greater than or equal to the credit threshold, the credit status corresponding to the target identifier is determined to be a high credit status.
[0070] A2: If the used credit limit is less than the credit threshold and the used credit limit is not 0, it is determined that the credit status corresponding to the target identifier is a low credit status.
[0071] The credit usage threshold is used to distinguish the extent to which the user corresponding to the target identifier has consumed the loan amount. If the used amount is greater than the credit usage threshold, it means that a large amount of the loan amount has been consumed, which is a high credit usage state. If the used amount is less than the credit usage threshold and is not 0, it means that a small amount of the loan amount has been consumed, which is a low credit usage state.
[0072] A3: If the used credit limit is 0, determine that the credit status corresponding to the target ID is unused credit status.
[0073] The credit usage threshold can be used to more uniformly determine the credit usage status of multiple users, thereby improving the efficiency of the process of obtaining the credit usage status.
[0074] In a possible implementation, the confidence threshold may be obtained in the following manner, see B1-B2:
[0075] B1: Get the credit ratio threshold, which is the ratio of the credit ratio threshold to the loan amount.
[0076] B2: Determine the credit threshold corresponding to the target identifier based on the loan amount corresponding to the target identifier and the credit ratio threshold.
[0077] For example, if the credit ratio threshold is 50%, if the user's loan amount is 20,000 yuan, the user's credit threshold is 10,000 yuan, and the user's used credit limit is 5,000 yuan, then the user's credit status is a low credit status; for another example, if the credit ratio threshold is still 50%, if the user's loan amount is 8,000 yuan, the user's credit threshold is 4,000 yuan, and the user's used credit limit is 5,000 yuan, then the user's credit status is a high credit status, that is, when the credit ratio threshold and the used credit limit remain unchanged, the user's loan amount is different, and his credit status may also be different.
[0078] By determining the credit threshold according to the credit ratio threshold based on the loan amount corresponding to the target identifier, it can be more flexibly applied to data processing situations where the loan amounts of different users vary greatly, thereby improving the adaptability of data processing.
[0079] If the contract status of the target identifier is the signed status, the pre-credit sub-data is updated to be the pre-credit sub-data after adding the contract status and the credit status to the target pre-credit sub-data. See Table 1, which is an example of updating the pre-credit sub-data in the signed status.
[0080] Table 1 Example of updating pre-credit sub-data
[0081] Institution Code ID number User Name Contract Status Letter status 100001 110101******4525 plum** Signed status Low credit status
[0082] As an implementation method, the contract status and the credit status may be combined into the user status. For example, the contract status and the credit status in Table 1 may be combined to obtain the user status of "contracted but low credit status".
[0083] S105: If the contract status corresponding to the target identifier is an uncontracted state, the contract status corresponding to the target identifier is added to the target pre-credit sub-data to obtain updated pre-credit sub-data.
[0084] If the contract status of the target identifier is an uncontracted state, the pre-credit sub-data is updated to be the pre-credit sub-data after the contract status is added to the target pre-credit sub-data.
[0085] S106: Using the plurality of pre-credit sub-data as target pre-credit sub-data respectively, and obtaining updated pre-credit sub-data respectively corresponding to the plurality of pre-credit sub-data.
[0086] As an implementation method, the updated pre-credit sub-data corresponding to the multiple pre-credit sub-data and the multiple signed sub-data in the signed report can be merged according to the identifiers to obtain a total loan data report.
[0087] It can be seen from the above technical solution that a pre-credit report including multiple pre-credit sub-data and a signed report including multiple signed sub-data are obtained. Identifiers corresponding to multiple pre-credit sub-data and identifiers corresponding to multiple signed sub-data are generated, and different identifiers are used to refer to different users. It is queried whether the identifiers corresponding to the multiple signed sub-data include the target identifier corresponding to the target pre-credit sub-data, and the contract status corresponding to the target identifier is obtained. The contract status includes the contracted state and the uncontracted state. The contracted state is used to describe that the identifiers corresponding to the multiple signed sub-data include the target identifier, and the uncontracted state is used to describe that the identifiers corresponding to the multiple signed sub-data do not include the target identifier. If the contract status corresponding to the target identifier is the contracted state, the used credit limit corresponding to the target identifier is determined from the target signed sub-data corresponding to the target identifier, and the credit status corresponding to the target identifier is determined based on the used credit limit. The contract status corresponding to the target identifier and the credit status corresponding to the target identifier are added to the target pre-credit sub-data to obtain the updated pre-credit sub-data. If the contract status corresponding to the target identifier is an unsigned state, the contract status corresponding to the target identifier is added to the target pre-credit sub-data to obtain updated pre-credit sub-data. Multiple pre-credit sub-data are respectively used as target pre-credit sub-data to obtain updated pre-credit sub-data corresponding to multiple pre-credit sub-data. Compared with manually determining the contract status of the target user from multiple reports, the process of one-by-one comparison is saved, thereby improving the efficiency and accuracy of determining the contract status of the target user. The credit status is a branch state of the signed status. The multi-level classification process is difficult for manual data processing and is prone to errors. The efficiency and accuracy of determining the credit status of the target user are improved, thereby quickly generating multiple updated pre-credit sub-data with high accuracy, improving the timeliness of each bank in processing updated pre-credit sub-data and the accuracy of updated pre-credit sub-data.
[0088] Usually, users corresponding to multiple pre-credit sub-data complete loan business in different banks, and each branch needs to analyze different updated pre-credit sub-data. In view of this situation, the embodiment of the present application provides a method for sending updated pre-credit sub-data, see C1-C2:
[0089] C1: Determine the destination bank corresponding to the updated pre-credit sub-data according to the institution code corresponding to the target identifier.
[0090] If the target identifier is generated according to the institution code, the destination bank corresponding to the updated pre-credit sub-data including the target identifier can be determined by the target identifier, or the destination bank can be determined directly by the institution code in the updated pre-credit sub-data. The correspondence between the institution code and the destination bank can be stored in a correspondence table, and the destination bank corresponding to the updated pre-credit sub-data is determined by the correspondence indicated in the table. Among them, the destination bank is the bank to which the updated pre-credit sub-data is to be sent. For example, the institution code corresponding to the target identifier is 1021, and the institution code corresponds to Beijing-Jianguo Road Branch, then the updated pre-credit sub-data needs to be sent to Jianguo Road Branch.
[0091] C2: Send the target updated credit sub-data to the destination bank corresponding to the target updated credit sub-data.
[0092] Specifically, if a table including multiple updated pre-credit sub-data is obtained in S106, multiple data sets can be obtained by splitting the data in the table according to the destination bank, and the updated pre-credit sub-data in each data set is the same destination bank.
[0093] As an implementation method, in response to receiving a sending instruction, the target updated credit sub-data can be compressed to obtain compressed data, and the sending instruction is an instruction received at a preset time every day. The compressed data is sent to the destination bank corresponding to the target updated credit sub-data.
[0094] The updated pre-credit sub-data can be sent through a scheduled task. For example, it can be sent to each destination bank at 5 pm every day to reduce the frequency of sending, reduce the complexity of data sending, and meet the business needs of data analysis of the destination bank. Sending in a compressed form can reduce the memory space occupied by the updated pre-credit.
[0095] In this way, multiple updated pre-credit sub-data can be sent to the corresponding destination banks respectively, so that the destination banks receive the updated pre-credit sub-data corresponding to the users who handle loan business at the destination banks, which improves the accuracy of data transmission, reduces the time for bank staff to screen and analyze data, and improves efficiency.
[0096] The credit status is used to describe the extent to which the user corresponding to the target identifier has consumed the loan amount, so that the user's investment preference can be reflected through the credit status. Based on this, the embodiment of the present application provides a method for recommending financial products based on the credit status, see D1-D4:
[0097] D1: Obtain the recommended correspondence.
[0098] The recommendation correspondence is used to describe the relationship between the target identifier and the recommended financial product. In the recommendation correspondence, the higher the credit status corresponding to the target identifier indicates that the loan amount has been consumed, the higher the risk level of the recommended financial product. The recommended financial product is a product recommended to the user based on consumption habits.
[0099] D2: Determine the recommended financial products corresponding to the target identifier based on the recommendation correspondence.
[0100] For example, if the credit status corresponding to the target identifier is a high credit status, it means that the user represented by the target identifier is more aggressive in consumption, and the recommended correspondence will map out one or more recommended financial products with higher risks.
[0101] D3: Add the recommended financial product corresponding to the target identifier to the target pre-credit sub-data to obtain the recommended pre-credit sub-data.
[0102] The product number or product name of the recommended financial product can be added to the target pre-credit sub-data to obtain the recommended pre-credit sub-data. Specifically, the recommended financial product corresponding to the target identifier can also be added to the updated pre-credit sub-data to obtain the recommended pre-credit sub-data.
[0103] D4: taking the plurality of pre-credit sub-data as target pre-credit sub-data respectively, and obtaining recommended pre-credit sub-data respectively corresponding to the plurality of pre-credit sub-data.
[0104] Therefore, through the recommendation correspondence, a mapping relationship is established between the credit status, which reflects the user's consumption preferences, and the recommended financial products, so that product recommendations can be made based on the user's credit status, realizing the personalized recommendation function in the loan data processing process and improving the efficiency of bank staff in recommending business.
[0105] See also Figure 2 , the figure shows a loan data processing device provided in an embodiment of the present application, the device 200 includes: an acquisition unit 201, a generation unit 202, a query unit 203, a signed contract unit 204, an unsigned contract unit 205 and a batch processing unit 206.
[0106] The acquisition unit is used to acquire a pre-credit report and a signed report, wherein the pre-credit report is used to describe information about users who have been granted loan qualifications, and the pre-credit report includes multiple pre-credit sub-data, and the signed report is used to describe information about users who have signed loan services, and the signed report includes multiple signed sub-data;
[0107] The generating unit is used to generate identifiers corresponding to the plurality of pre-credit sub-data and identifiers corresponding to the plurality of signed sub-data, wherein different identifiers are used to refer to different users;
[0108] The query unit is used to query whether the identifiers corresponding to the multiple signed sub-data include the target identifier corresponding to the target pre-credit sub-data, and obtain the signing status corresponding to the target identifier, the target pre-credit sub-data is one pre-credit sub-data among the multiple pre-credit sub-data, and the signing status includes a signed status and an unsigned status, the signed status is used to describe that the identifiers corresponding to the multiple signed sub-data include the target identifier, and the unsigned status is used to describe that the identifiers corresponding to the multiple signed sub-data do not include the target identifier;
[0109] The contracted unit is used to determine the used credit limit corresponding to the target identifier from the target contracted sub-data corresponding to the target identifier if the contracted status corresponding to the target identifier is the contracted status, determine the credit usage status corresponding to the target identifier according to the used credit limit, add the contracted status corresponding to the target identifier and the credit usage status corresponding to the target identifier to the target pre-credit sub-data, and obtain updated pre-credit sub-data, wherein the credit usage status is used to describe the extent to which the user corresponding to the target identifier has consumed the loan limit;
[0110] The non-contracted unit is configured to add the contracted state corresponding to the target identifier to the target pre-credit sub-data to obtain the updated pre-credit sub-data if the contracted state corresponding to the target identifier is the non-contracted state;
[0111] The batch processing unit is used to use the multiple pieces of pre-credit sub-data as the target pre-credit sub-data respectively, and obtain the updated pre-credit sub-data corresponding to the multiple pieces of pre-credit sub-data respectively.
[0112] It can be seen from the above technical solution that the acquisition unit acquires a pre-credit report including multiple pre-credit sub-data and a signed report including multiple signed sub-data. The generation unit generates identifiers corresponding to multiple pre-credit sub-data and identifiers corresponding to multiple signed sub-data, and different identifiers are used to refer to different users. The query unit queries whether the identifiers corresponding to multiple signed sub-data include the target identifier corresponding to the target pre-credit sub-data, and obtains the contract status corresponding to the target identifier. The contract status includes the contracted state and the uncontracted state. The contracted state is used to describe that the identifiers corresponding to multiple signed sub-data include the target identifier, and the uncontracted state is used to describe that the identifiers corresponding to multiple signed sub-data do not include the target identifier. If the contract status corresponding to the target identifier is the contracted state, the signed unit determines the used credit limit corresponding to the target identifier from the target signed sub-data corresponding to the target identifier, determines the credit status corresponding to the target identifier based on the used credit limit, adds the contract status corresponding to the target identifier and the credit status corresponding to the target identifier to the target pre-credit sub-data, and obtains the updated pre-credit sub-data. If the contract status corresponding to the target identifier is an unsigned status, the unsigned unit adds the contract status corresponding to the target identifier to the target pre-credit sub-data to obtain updated pre-credit sub-data. The batch processing unit uses multiple pre-credit sub-data as target pre-credit sub-data to obtain updated pre-credit sub-data corresponding to multiple pre-credit sub-data. Compared with manually determining the contract status of the target user from multiple reports, the process of one-by-one comparison is saved, thereby improving the efficiency and accuracy of determining the contract status of the target user. The credit status is a branch status of the contracted status. The multi-level classification process is difficult for manual data processing and is prone to errors. The efficiency and accuracy of determining the credit status of the target user are improved, thereby quickly generating multiple updated pre-credit sub-data with high accuracy, improving the timeliness of each bank in processing updated pre-credit sub-data and the accuracy of updated pre-credit sub-data.
[0113] The present application also provides a computer device, see Figure 3 , which shows a structural diagram of a computer device provided in an embodiment of the present application, such as Figure 3 As shown, the device includes a memory 310 and a processor 320:
[0114] The memory 310 is used to store program codes and transmit the program codes to the processor;
[0115] The processor 320 is used to execute any one of the loan data processing methods provided in the above embodiments according to the instructions in the program code.
[0116] The embodiment of the present application further provides a computer-readable storage medium, wherein the computer-readable storage medium is used to store a computer program, wherein the computer program is used to execute any one of the loan data processing methods provided in the above embodiments.
[0117] The embodiment of the present application also provides a computer program product or a computer program, which includes computer instructions stored in a computer-readable storage medium. The processor of the computer device reads the computer instructions from the computer-readable storage medium, and the processor executes the computer instructions, so that the computer device executes the loan data processing method provided in various optional implementations of the above aspects.
[0118] It should be noted that the various embodiments in this specification are described in a progressive manner, and each embodiment focuses on the differences from other embodiments, and the same or similar parts between the various embodiments can be referred to each other. For the system or device disclosed in the embodiment, since it corresponds to the method disclosed in the embodiment, the description is relatively simple, and the relevant parts can be referred to the method part description.
[0119] The term "including" and its variations used herein are open inclusions, i.e., "including but not limited to". The term "based on" means "based at least in part on". The term "one embodiment" means "at least one embodiment"; the term "another embodiment" means "at least one additional embodiment"; the term "some embodiments" means "at least some embodiments". The relevant definitions of other terms will be given in the following description.
[0120] It should be understood that in the present application, "at least one (item)" means one or more, and "plurality" means two or more. "And / or" is used to describe the association relationship of associated objects, indicating that three relationships may exist. For example, "A and / or B" can mean: only A exists, only B exists, and A and B exist at the same time, where A and B can be singular or plural. The character " / " generally indicates that the objects associated before and after are in an "or" relationship. "At least one of the following" or similar expressions refers to any combination of these items, including any combination of single or plural items. For example, at least one of a, b or c can mean: a, b, c, "a and b", "a and c", "b and c", or "a and b and c", where a, b, c can be single or multiple.
[0121] It should also be noted that, in this article, relational terms such as first and second, etc. are only used to distinguish one entity or operation from another entity or operation, and do not necessarily require or imply any such actual relationship or order between these entities or operations. Moreover, the terms "include", "comprise" or any other variants thereof are intended to cover non-exclusive inclusion, so that a process, method, article or device including a series of elements includes not only those elements, but also other elements not explicitly listed, or also includes elements inherent to such process, method, article or device. In the absence of further restrictions, the elements defined by the sentence "comprise a ..." do not exclude the presence of other identical elements in the process, method, article or device including the elements.
[0122] The steps of the method or algorithm described in conjunction with the embodiments disclosed herein may be implemented directly using hardware, a software module executed by a processor, or a combination of the two. The software module may be placed in a random access memory (RAM), a memory, a read-only memory (ROM), an electrically programmable ROM, an electrically erasable programmable ROM, a register, a hard disk, a removable disk, a CD-ROM, or any other form of storage medium known in the art.
[0123] The above description of the disclosed embodiments enables those skilled in the art to implement or use the present application. Various modifications to these embodiments will be apparent to those skilled in the art, and the general principles defined herein may be implemented in other embodiments without departing from the spirit or scope of the present application. Therefore, the present application will not be limited to the embodiments shown herein, but will conform to the widest scope consistent with the principles and novel features disclosed herein.
Claims
1. A loan data processing method, characterized in that: The method comprises: Obtaining a pre-credit report and a signed report, wherein the pre-credit report is used to describe information about users who have been granted loan qualifications, and includes multiple pre-credit sub-data, and the signed report is used to describe information about users who have signed loan services, and includes multiple signed sub-data; Generate identifiers corresponding to the plurality of pre-credit sub-data and identifiers corresponding to the plurality of signed sub-data, wherein different identifiers are used to refer to different users; querying whether the identifiers respectively corresponding to the multiple signed sub-data include the target identifier corresponding to the target pre-credit sub-data, and obtaining a signed status corresponding to the target identifier, wherein the target pre-credit sub-data is one pre-credit sub-data among the multiple pre-credit sub-data, and the signed status includes a signed status and an unsigned status, wherein the signed status is used to describe that the identifiers respectively corresponding to the multiple signed sub-data include the target identifier, and the unsigned status is used to describe that the identifiers respectively corresponding to the multiple signed sub-data do not include the target identifier; If the contract status corresponding to the target identifier is the contracted status, the used credit limit corresponding to the target identifier is determined from the target contracted sub-data corresponding to the target identifier, and the credit usage status corresponding to the target identifier is determined according to the used credit limit, and the contract status corresponding to the target identifier and the credit usage status corresponding to the target identifier are added to the target pre-credit sub-data to obtain updated pre-credit sub-data, where the credit usage status is used to describe the extent to which the user corresponding to the target identifier has consumed the loan limit; If the contract status corresponding to the target identifier is the uncontracted status, adding the contract status corresponding to the target identifier to the target pre-credit sub-data to obtain the updated pre-credit sub-data; The plurality of pre-credit sub-data are respectively used as the target pre-credit sub-data, and updated pre-credit sub-data corresponding to the plurality of pre-credit sub-data are obtained.
2. The method according to claim 1, characterized in that The users corresponding to the plurality of updated pre-credit sub-data are from different destination banks, and the method further includes: Determining the destination bank corresponding to the updated pre-credit sub-data according to the institution code corresponding to the target identifier; The updated credit sub-data is sent to a destination bank corresponding to the updated credit sub-data.
3. The method according to claim 2, characterized in that The sending the updated credit sub-data to the destination bank corresponding to the target updated credit sub-data includes: In response to receiving a sending instruction, compressing the target updated credit sub-data to obtain compressed data, wherein the sending instruction is an instruction received at a preset time every day; The compressed data is sent to a destination bank corresponding to the target updated credit sub-data.
4. The method according to claim 1, characterized in that: The determining, according to the used credit limit, a credit status corresponding to the target identifier includes: If the used credit limit is greater than or equal to the credit threshold, it is determined that the credit status corresponding to the target identifier is a high credit status, and the credit threshold is used to distinguish the extent to which the user corresponding to the target identifier has consumed the loan limit; If the used credit limit is less than the credit threshold and the used credit limit is not 0, determining that the credit status corresponding to the target identifier is a low credit status; If the used credit limit is 0, it is determined that the credit status corresponding to the target identifier is an unused credit status.
5. The method according to claim 4, characterized in that The target signed sub-data includes the loan amount corresponding to the target identifier, and the credit threshold is obtained in the following manner: Obtaining a credit ratio threshold, where the credit ratio threshold is the ratio of the credit threshold to the loan amount; The credit threshold corresponding to the target identifier is determined according to the loan amount corresponding to the target identifier and the credit ratio threshold.
6. The method according to claim 1, characterized in that The method further comprises: Acquire a recommendation correspondence relationship, where the recommendation correspondence relationship is used to describe the relationship between the target identifier and the recommended financial product. In the recommendation correspondence relationship, the higher the degree to which the credit status corresponding to the target identifier indicates that the loan amount has been consumed, the higher the risk level of the recommended financial product. The recommended financial product is a product recommended to the user based on consumption habits; Determine the recommended financial product corresponding to the target identifier according to the recommendation correspondence relationship; Adding the recommended financial product corresponding to the target identifier to the target pre-credit sub-data to obtain the recommended pre-credit sub-data; The plurality of pre-credit sub-data are respectively used as the target pre-credit sub-data to obtain the recommended pre-credit sub-data corresponding to the plurality of pre-credit sub-data.
7. A loan data processing device, characterized in that: The device comprises: an acquisition unit, a generation unit, a query unit, a contracted unit, an uncontracted unit and a batch processing unit. The acquisition unit is used to acquire a pre-credit report and a signed report, wherein the pre-credit report is used to describe information about users who have been granted loan qualifications, and the pre-credit report includes multiple pre-credit sub-data, and the signed report is used to describe information about users who have signed loan services, and the signed report includes multiple signed sub-data; The generating unit is used to generate identifiers corresponding to the plurality of pre-credit sub-data and identifiers corresponding to the plurality of signed sub-data, wherein different identifiers are used to refer to different users; The query unit is used to query whether the identifiers corresponding to the multiple signed sub-data include the target identifier corresponding to the target pre-credit sub-data, and obtain the signing status corresponding to the target identifier, the target pre-credit sub-data is one pre-credit sub-data among the multiple pre-credit sub-data, and the signing status includes a signed status and an unsigned status, the signed status is used to describe that the identifiers corresponding to the multiple signed sub-data include the target identifier, and the unsigned status is used to describe that the identifiers corresponding to the multiple signed sub-data do not include the target identifier; The contracted unit is used to determine the used credit limit corresponding to the target identifier from the target contracted sub-data corresponding to the target identifier if the contracted status corresponding to the target identifier is the contracted status, determine the credit usage status corresponding to the target identifier according to the used credit limit, add the contracted status corresponding to the target identifier and the credit usage status corresponding to the target identifier to the target pre-credit sub-data, and obtain updated pre-credit sub-data, wherein the credit usage status is used to describe the extent to which the user corresponding to the target identifier has consumed the loan limit; The non-contracted unit is configured to add the contracted state corresponding to the target identifier to the target pre-credit sub-data to obtain the updated pre-credit sub-data if the contracted state corresponding to the target identifier is the non-contracted state; The batch processing unit is used to use the multiple pieces of pre-credit sub-data as the target pre-credit sub-data respectively, and obtain the updated pre-credit sub-data corresponding to the multiple pieces of pre-credit sub-data respectively.
8. A computer device, characterized in that: The computer device comprises a processor and a memory: The memory is used to store a computer program and transmit the computer program to the processor; The processor is configured to execute the method according to any one of claims 1 to 6 according to the computer program.
9. A computer-readable storage medium, characterized in that: The computer-readable storage medium is used to store a computer program, and the computer program is used to execute the method according to any one of claims 1 to 6.
10. A computer program product comprising a computer program, characterized in that When the method is executed on a computer device, the computer device is enabled to execute the method according to any one of claims 1 to 6.