Variable interest rate determination method and system

Abstract

The invention relates to a variable interest rate determination method and system. The method comprises the following steps: calculating a first interest rate according to a set interest rate algorithm; obtaining a corresponding project progress list and a project amount corresponding to each item in the project progress list; the total loan amount is divided into a plurality of loan limits according to the project progress list, the current latest personal data information and the project information corresponding to the current project progress are acquired again after the first loan limit is issued and before each subsequent loan limit is issued, and a second interest rate is calculated through a set interest rate algorithm; if a difference value between the second interest rate and the first interest rate exceeds a set reasonable floating value range, sending the difference value to a manual rechecking station for manual rechecking, and adjusting the first interest rate according to a rechecking result of the manual rechecking station; by applying the method provided by the invention, the loan interest rate can be more reasonable, and the risk that a bank needs to bear can be effectively reduced.

Description

Technical Field

[0001] The present invention relates to the field of smart banking technology, and more specifically, to a variable interest rate determination method and system. Background Art

[0002] Internet finance refers to a new type of financial business that realizes the networking, digitization and intelligence of financial services through emerging information technology means such as the Internet and mobile Internet. It is the product of the combination of traditional financial industry and Internet technology, providing a more convenient, efficient and low-cost service method for financial services, and has become one of the important development directions of the modern financial industry.

[0003] The main characteristics of Internet finance include: 1. Networking: Internet finance has realized the online and networked financial services through network technologies such as the Internet and mobile Internet, making financial services more convenient and efficient, and not restricted by time and region. 2. Digitalization: Internet finance uses digital technology to transform traditional financial services into digital forms, realizes the rapid processing and analysis of financial data, and improves the intelligence level of financial services. 3. Intelligence: Internet finance has realized the intelligence of financial services through emerging technologies such as big data and artificial intelligence, providing customers with more personalized and accurate financial services.

[0004] The lending business in Internet finance usually sets more complex variable interest rates based on multiple factors such as differences in projects and borrowers. These assessments are completed in the early stages, and after the loan business is established, the interest rate is determined and cannot be changed. If unexpected risks arise during the subsequent repayment or continued lending process, such as problems with the project itself that make it impossible to continue, the interest rate will usually not change. This poses a great risk, and requires a variable interest rate determination method and system that can be applied to this scenario. Summary of the invention

[0005] The technical problem to be solved by the present invention is to provide a variable interest rate determination method and a variable interest rate determination system in view of the above-mentioned defects of the prior art.

[0006] The technical solution adopted by the present invention to solve its technical problem is:

[0007] A variable interest rate determination method is constructed, characterized in that it includes the following steps:

[0008] Obtaining personal information and project information provided by the borrower, and calculating the first interest rate according to the set interest rate algorithm;

[0009] Match the project information with the project units stored in the project database. If the match is successful, proceed to the next step. Otherwise, it will prompt that the project information needs to be corrected.

[0010] According to the matched project units, obtain the corresponding project progress list and the project amount corresponding to each item in the project progress list;

[0011] The total loan amount is divided into multiple loan amounts according to the project progress list, and the ratio of the multiple loan amounts is consistent with the ratio of the multiple project amounts;

[0012] Setting the interest rate of the first loan amount according to the first interest rate and monitoring the disbursement of the loan amount;

[0013] After the first loan amount is issued and before each subsequent loan amount is issued, the latest personal information and project information corresponding to the current project progress are re-obtained, and the second interest rate is calculated by the set interest rate algorithm;

[0014] If the difference between the second interest rate and the first interest rate exceeds the set reasonable floating value range, it will be sent to the manual review station for manual review, otherwise no action will be taken;

[0015] The first interest rate is adjusted based on the review results of the manual review station.

[0016] The variable interest rate determination method of the present invention, wherein the first interest rate is calculated based on the set interest rate algorithm using the following method:

[0017] Calculate the first sub-rate corresponding to the personal information based on the personal credit algorithm;

[0018] Calculate the second sub-interest rate corresponding to the project information based on the project risk algorithm;

[0019] Based on the ratio of the individual's asset amount to the project loan amount, the first sub-interest rate and the second sub-interest rate are weighted averaged to obtain the first interest rate.

[0020] The variable interest rate determination method of the present invention, wherein the second interest rate is calculated by the set interest rate algorithm using the following method:

[0021] Calculate the third sub-rate corresponding to the latest personal information based on the personal credit algorithm;

[0022] Calculate the fourth sub-interest rate corresponding to the project information corresponding to the current project progress based on the project risk algorithm;

[0023] Based on the ratio of the individual's asset amount to the project loan amount, the third sub-interest rate and the fourth sub-interest rate are weighted averaged to obtain the second interest rate.

[0024] The variable interest rate determination method of the present invention, wherein the project information is matched with the project unit stored in the project database, and if the match is successful, the next step is performed, otherwise it is prompted to modify the project information by:

[0025] Set up the project index list for the project database;

[0026] Perform project matching query based on the project index list;

[0027] If the match is successful, it means that the project information is filled in correctly, and the corresponding project progress list and the project amount corresponding to each item in the project progress list are fed back;

[0028] If the match fails, it means that the project information is filled in incorrectly or the project does not meet the loan requirements, and error information is fed back to the user.

[0029] In the variable interest rate determination method of the present invention, the current and latest personal information is obtained by:

[0030] Establishing a plurality of first monitoring nodes for a type of information that is variable in the personal information, wherein the first monitoring nodes are authorized by the borrower to view the information;

[0031] The data of the first monitoring node within a set time period is counted to obtain the latest personal information.

[0032] In the variable interest rate determination method of the present invention, the current project progress is obtained by:

[0033] Establish a second monitoring node for the current project, and the second monitoring node is authorized by the project leader or project management department to view the progress;

[0034] The data of the second monitoring node within the set time period is counted to obtain the current project progress.

[0035] In the variable interest rate determination method of the present invention, the personal information includes income information, risk asset information and credit information.

[0036] A variable interest rate determination system is applied to the variable interest rate determination method as described above, wherein the system comprises: an information collection unit, a data processing unit, a project database and a status monitoring unit;

[0037] The information collection unit is used to obtain personal information and project information provided by the borrower; the data processing unit is used to calculate the first interest rate according to the set interest rate algorithm; it is also used to match the project information with the project unit stored in the project database, and if the match is successful, proceed to the next step, otherwise it is prompted to correct the project information; according to the matched project unit, the corresponding project progress list and the project amount corresponding to each item in the project progress list are obtained; according to the project progress list, the total loan amount is divided into multiple loan amounts, and the ratio of the multiple loan amounts is consistent with the ratio of the multiple project amounts; the interest rate of the first loan amount is set according to the first interest rate, and the loan amount issuance is monitored through the status monitoring unit; before each subsequent loan amount is issued after the first loan amount is issued, the current latest personal information and the project information corresponding to the current project progress are obtained through the information collection unit, and the second interest rate is calculated through the set interest rate algorithm; if the difference between the second interest rate and the first interest rate exceeds the set reasonable floating value range, it is sent to the manual review station for manual review, otherwise no action is taken; the first interest rate is adjusted according to the review result of the manual review station.

[0038] In the variable interest rate determination system of the present invention, the first interest rate is calculated according to the set interest rate algorithm using:

[0039] Calculate the first sub-rate corresponding to the personal information based on the personal credit algorithm;

[0040] Calculate the second sub-interest rate corresponding to the project information based on the project risk algorithm;

[0041] Based on the ratio of the individual's asset amount to the project loan amount, the first sub-interest rate and the second sub-interest rate are weighted averaged to obtain the first interest rate.

[0042] In the variable interest rate determination system of the present invention, the second interest rate is calculated by a set interest rate algorithm using:

[0043] Calculate the third sub-rate corresponding to the latest personal information based on the personal credit algorithm;

[0044] Calculate the fourth sub-interest rate corresponding to the project information corresponding to the current project progress based on the project risk algorithm;

[0045] Based on the ratio of the individual's asset amount to the project loan amount, the third sub-interest rate and the fourth sub-interest rate are weighted averaged to obtain the second interest rate.

[0046] The beneficial effects of the present invention are as follows: obtaining personal information and project information provided by the borrower, and calculating a first interest rate according to a set interest rate algorithm; matching the project information with the project units stored in the project database, and if the match is successful, proceeding to the next step, otherwise prompting to correct the project information; obtaining the corresponding project progress list and the project amount corresponding to each item in the project progress list according to the matched project units; dividing the total loan amount into multiple loan amounts according to the project progress list, and the ratio of the multiple loan amounts is consistent with the ratio of the multiple project amounts; setting the interest rate of the first loan amount according to the first interest rate, and monitoring the issuance of the loan amount; and monitoring the subsequent issuance of the first loan amount after the issuance of the first loan amount. Before each loan amount is issued, the latest personal information and project information corresponding to the current project progress are re-acquired, and the second interest rate is calculated using the set interest rate algorithm; if the difference between the second interest rate and the first interest rate exceeds the set reasonable floating value range, it is sent to the manual review station for manual review, otherwise no action is taken; the first interest rate is adjusted based on the review result of the manual review station; using the method of the present application, the loan amount is split based on the segmentation of the project, and the interest rate of each loan is automatically re-determined, and the interest rate is readjusted in the event of abnormal determination, so that the loan interest rate is more reasonable and can effectively reduce the risk that the bank needs to bear. BRIEF DESCRIPTION OF THE DRAWINGS

[0047] In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the present invention will be further described below in conjunction with the accompanying drawings and embodiments. The drawings described below are only some embodiments of the present invention. For those of ordinary skill in the art, other drawings can be obtained based on these drawings without creative work:

[0048] Figure 1 is a flow chart of a variable interest rate determination method according to a preferred embodiment of the present invention; Figure 2 It is a principle block diagram of a variable interest rate determination system according to a preferred embodiment of the present invention. DETAILED DESCRIPTION

[0049] In order to make the purpose, technical solutions and advantages of the embodiments of the present invention clearer, the following will be described clearly and completely in combination with the technical solutions in the embodiments of the present invention. Obviously, the described embodiments are partial embodiments of the present invention, not all embodiments. Based on the embodiments of the present invention, all other embodiments obtained by ordinary technicians in this field without creative work belong to the protection scope of the present invention.

[0050] The variable interest rate determination method and system of the preferred embodiment of the present invention are as follows: Figure 1 As shown, the following steps are included:

[0051] S01: Obtaining personal information and project information provided by the borrower, and calculating a first interest rate according to a set interest rate algorithm;

[0052] S02: Match the project information with the project units stored in the project database. If the match is successful, proceed to the next step. Otherwise, it is prompted that the project information needs to be corrected.

[0053] S03: According to the matched project units, obtain the corresponding project progress list and the project amount corresponding to each item in the project progress list;

[0054] S04: Divide the total loan amount into multiple loan amounts according to the project progress list, and the ratio of the multiple loan amounts is consistent with the ratio of the multiple project amounts;

[0055] S05: setting the interest rate of the first loan amount according to the first interest rate, and monitoring the disbursement of the loan amount;

[0056] S06: before each subsequent loan amount is issued after the first loan amount is issued, re-obtain the latest personal information and project information corresponding to the current project progress, and calculate the second interest rate through the set interest rate algorithm;

[0057] S07: If the difference between the second interest rate and the first interest rate exceeds the set reasonable floating value range, it is sent to the manual review station for manual review, otherwise no action is taken;

[0058] S08: adjusting the first interest rate according to the review result of the manual review station;

[0059] By applying the method of this application, the loan amount is split based on the segmentation of the project, and the interest rate of each loan is automatically re-determined. In the event of abnormal determination, the interest rate is readjusted, making the loan interest rate more reasonable and effectively reducing the risks that the bank needs to bear.

[0060] Preferably, the first interest rate is calculated according to a set interest rate algorithm using the following method:

[0061] Calculate the first sub-rate corresponding to the personal information based on the personal credit algorithm;

[0062] Calculate the second sub-interest rate corresponding to the project information based on the project risk algorithm;

[0063] Based on the ratio of the individual's asset amount to the project loan amount (determine the weight ratio), the first sub-interest rate and the second sub-interest rate are weighted averaged to obtain the first interest rate;

[0064] Using this weighted average approach to handle individual loan risks and project risks can make the calculation structure of the final interest rate more balanced and reasonable.

[0065] Preferably, the second interest rate is calculated by a set interest rate algorithm:

[0066] Calculate the third sub-rate corresponding to the latest personal information based on the personal credit algorithm;

[0067] Calculate the fourth sub-interest rate corresponding to the project information corresponding to the current project progress based on the project risk algorithm;

[0068] Based on the ratio of the individual's asset amount to the project loan amount, the third sub-rate and the fourth sub-rate are weighted averaged to obtain the second interest rate;

[0069] This method is the same as the first interest rate acquisition method mentioned above, except that the parameters involved in the calculation are different. This can well balance the current changed personal information and the specific project progress information. This step and the previous step are key steps to solve the hidden risks in project loan scenarios.

[0070] Preferably, the project information is matched with the project units stored in the project database. If the match is successful, the next step is performed. Otherwise, it is prompted to modify the project information.

[0071] Set up the project index list for the project database;

[0072] Perform project matching query based on the project index list;

[0073] If the match is successful, it means that the project information is filled in correctly, and the corresponding project progress list and the project amount corresponding to each item in the project progress list are fed back;

[0074] If the match fails, it means that the project information is filled in incorrectly or the project does not meet the loan requirements, and error information is fed back to the user;

[0075] The filled-in content of the project will be automatically identified. The existing projects will be collected and classified and stored in the project database in advance. Matching can be performed based on classification or keywords. The specific matching algorithm can be executed using the existing matching algorithm, which will not be elaborated on.

[0076] The purpose of adopting this method is to realize the intelligence of project identification, reduce the uncertainty caused by human intervention, and improve the overall intelligence level and processing efficiency.

[0077] Preferably, the latest personal data information is obtained by:

[0078] Establishing a plurality of first monitoring nodes for a type of information that is variable in the personal information, wherein the first monitoring nodes are authorized by the borrower to view the information;

[0079] Collect statistics on the first monitoring node data within a set time period to obtain the latest personal data information;

[0080] This part requires the cooperation of the lender to execute. The number and location of the first detection nodes can be listed and handled accordingly according to the actual situation.

[0081] Preferably, the current project progress is obtained by:

[0082] Establish a second monitoring node for the current project, and the second monitoring node is authorized by the project leader or project management department to view the progress;

[0083] Collect statistics on the second monitoring node data within the set time period to obtain the current project progress;

[0084] Through the above methods, accurate monitoring of project progress can be carried out.

[0085] Preferably, the personal data information includes income information, risk asset information and credit information. It is understandable that it is not limited to the three main types of information listed above, and information items can be deleted according to specific application scenarios, and there is no limitation on this.

[0086] A variable interest rate determination system is applied to the variable interest rate determination method as described above, such as Figure 2 As shown, the system includes: an information collection unit 100, a data processing unit 101, a project database 102 and a status monitoring unit 103;

[0087] The information collection unit 100 is used to obtain the personal information and project information provided by the borrower; the data processing unit 101 is used to calculate the first interest rate according to the set interest rate algorithm; it is also used to match the project information with the project unit stored in the project database 102, and if the match is successful, proceed to the next step, otherwise it is prompted that the project information needs to be corrected; according to the matched project unit, the corresponding project progress list and the project amount corresponding to each item in the project progress list are obtained; according to the project progress list, the total loan amount is divided into multiple loan amounts, and the ratio of the multiple loan amounts is consistent with the ratio of the multiple project amounts; the interest rate of the first loan amount is set according to the first interest rate, and the loan amount issuance is monitored through the status monitoring unit; before each subsequent loan amount is issued after the first loan amount is issued, the current latest personal information and the project information corresponding to the current project progress are obtained through the information collection unit, and the second interest rate is calculated by the set interest rate algorithm; if the difference between the second interest rate and the first interest rate exceeds the set reasonable floating value range, it is sent to the manual review station 2 for manual review, otherwise no action is taken; the first interest rate is adjusted according to the review result of the manual review station 2;

[0088] The system of this application can split the loan amount based on the segmentation of the project, and automatically re-determine the interest rate for each loan. In addition, the interest rate can be readjusted in case of abnormal determination, so that the loan interest rate is more reasonable and the risk that the bank needs to bear can be effectively reduced.

[0089] Preferably, the first interest rate is calculated according to a set interest rate algorithm:

[0090] Calculate the first sub-rate corresponding to the personal information based on the personal credit algorithm;

[0091] Calculate the second sub-interest rate corresponding to the project information based on the project risk algorithm;

[0092] Based on the ratio of the individual's asset amount to the project loan amount, the first sub-interest rate and the second sub-interest rate are weighted averaged to obtain the first interest rate;

[0093] Using this weighted average approach to handle individual loan risks and project risks can make the calculation structure of the final interest rate more balanced and reasonable.

[0094] Preferably, the second interest rate is calculated by a set interest rate algorithm:

[0095] Calculate the third sub-rate corresponding to the latest personal information based on the personal credit algorithm;

[0096] Calculate the fourth sub-interest rate corresponding to the project information corresponding to the current project progress based on the project risk algorithm;

[0097] Based on the ratio of the individual's asset amount to the project loan amount, the third sub-rate and the fourth sub-rate are weighted averaged to obtain the second interest rate;

[0098] This method is the same as the first interest rate acquisition method mentioned above, except that the parameters involved in the calculation are different. This can well balance the current changed personal information and the specific project progress information. This step and the previous step are key steps to solve the hidden risks in project loan scenarios.

[0099] It should be understood that those skilled in the art can make improvements or changes based on the above description, and all these improvements and changes should fall within the scope of protection of the appended claims of the present invention.

Claims

1. A variable interest rate determination method, characterized in that: The following steps are involved: Obtaining personal information and project information provided by the borrower, and calculating the first interest rate according to the set interest rate algorithm; Match the project information with the project units stored in the project database. If the match is successful, proceed to the next step. Otherwise, it will prompt that the project information needs to be corrected. According to the matched project units, obtain the corresponding project progress list and the project amount corresponding to each item in the project progress list; The total loan amount is divided into multiple loan amounts according to the project progress list, and the ratio of the multiple loan amounts is consistent with the ratio of the multiple project amounts; Setting the interest rate of the first loan amount according to the first interest rate and monitoring the disbursement of the loan amount; After the first loan amount is issued and before each subsequent loan amount is issued, the latest personal information and project information corresponding to the current project progress are re-obtained, and the second interest rate is calculated by the set interest rate algorithm; If the difference between the second interest rate and the first interest rate exceeds the set reasonable floating value range, it will be sent to the manual review station for manual review, otherwise no action will be taken; The first interest rate is adjusted based on the review results of the manual review station.

2. The variable interest rate determination method according to claim 1, characterized in that: The method for calculating the first interest rate according to the set interest rate algorithm is as follows: Calculate the first sub-rate corresponding to the personal information based on the personal credit algorithm; Calculate the second sub-interest rate corresponding to the project information based on the project risk algorithm; Based on the ratio of the individual's asset amount to the project loan amount, the first sub-interest rate and the second sub-interest rate are weighted averaged to obtain the first interest rate.

3. The variable interest rate determination method according to claim 2, characterized in that: The method for calculating the second interest rate by the set interest rate algorithm is as follows: Calculate the third sub-rate corresponding to the latest personal information based on the personal credit algorithm; Calculate the fourth sub-interest rate corresponding to the project information corresponding to the current project progress based on the project risk algorithm; Based on the ratio of the individual's asset amount to the project loan amount, the third sub-interest rate and the fourth sub-interest rate are weighted averaged to obtain the second interest rate.

4. The variable interest rate determination method according to claim 1, characterized in that: The project information is matched with the project units stored in the project database. If the match is successful, the next step is performed. Otherwise, the project information needs to be corrected. Set up the project index list for the project database; Perform project matching query based on the project index list; If the match is successful, it means that the project information is filled in correctly, and the corresponding project progress list and the project amount corresponding to each item in the project progress list are fed back; If the match fails, it means that the project information is filled in incorrectly or the project does not meet the loan requirements, and error information is fed back to the user.

5. The variable interest rate determination method according to claim 1, characterized in that: The method for obtaining the latest personal data is as follows: Establishing a plurality of first monitoring nodes for a type of information that is variable in the personal information, wherein the first monitoring nodes are authorized by the borrower to view the information; The data of the first monitoring node within a set time period is counted to obtain the latest personal information.

6. The variable interest rate determination method according to claim 1, characterized in that: The current project progress is obtained by: Establish a second monitoring node for the current project, and the second monitoring node is authorized by the project leader or project management department to view the progress; The data of the second monitoring node within the set time period is counted to obtain the current project progress.

7. The variable interest rate determination method according to claim 1, characterized in that: The personal profile information includes income information, risk asset information and credit information.

8. A variable interest rate determination system, applied to the variable interest rate determination method according to any one of claims 1 to 7, characterized in that: The system comprises: an information collection unit, a data processing unit, a project database and a status monitoring unit; The information collection unit is used to obtain personal information and project information provided by the borrower; the data processing unit is used to calculate the first interest rate according to the set interest rate algorithm; it is also used to match the project information with the project unit stored in the project database, and if the match is successful, proceed to the next step, otherwise it is prompted to correct the project information; according to the matched project unit, the corresponding project progress list and the project amount corresponding to each item in the project progress list are obtained; according to the project progress list, the total loan amount is divided into multiple loan amounts, and the ratio of the multiple loan amounts is consistent with the ratio of the multiple project amounts; the interest rate of the first loan amount is set according to the first interest rate, and the loan amount issuance is monitored through the status monitoring unit; before each subsequent loan amount is issued after the first loan amount is issued, the current latest personal information and the project information corresponding to the current project progress are obtained through the information collection unit, and the second interest rate is calculated through the set interest rate algorithm; if the difference between the second interest rate and the first interest rate exceeds the set reasonable floating value range, it is sent to the manual review station for manual review, otherwise no action is taken; the first interest rate is adjusted according to the review result of the manual review station.

9. The variable interest rate determination system according to claim 8, characterized in that: The first interest rate is calculated based on the set interest rate algorithm: Calculate the first sub-rate corresponding to the personal information based on the personal credit algorithm; Calculate the second sub-interest rate corresponding to the project information based on the project risk algorithm; Based on the ratio of the individual's asset amount to the project loan amount, the first sub-interest rate and the second sub-interest rate are weighted averaged to obtain the first interest rate.

10. The variable interest rate determination system according to claim 9, characterized in that: The second interest rate is calculated by the set interest rate algorithm: Calculate the third sub-rate corresponding to the latest personal information based on the personal credit algorithm; Calculate the fourth sub-interest rate corresponding to the project information corresponding to the current project progress based on the project risk algorithm; Based on the ratio of the individual's asset amount to the project loan amount, the third sub-interest rate and the fourth sub-interest rate are weighted averaged to obtain the second interest rate.

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