Living mortgage loan application method and device, electronic equipment and computer program product

Abstract

The invention discloses a living body mortgage loan application method and device, electronic equipment and a computer program product, and the method comprises the steps: obtaining and analyzing the image data of a living body mortgage, and obtaining the body size data of the living body mortgage; calculating the weight of the living prison according to the body size data and the type of the living prison; calculating the value of the living body pledge according to the weight of the living body pledge and a livestock meat price conversion model; and generating a loan scheme of the customer according to the living body pledge value and the loan application information of the customer. According to the method, the machine vision technology is adopted to analyze the living body pledge product image, the living body pledge product weight is automatically calculated in combination with the living body pledge product variety, the accuracy and efficiency of weight calculation are improved, the living body pledge product value is calculated based on the livestock meat price conversion model, the future price trend of livestock meat is fully considered, the accuracy of value calculation is improved, and the calculation efficiency is improved. The loan scheme of the customer is automatically generated based on the value of the living body pledge and the loan application information, one-stop loan application is realized, and the loan application efficiency is improved.

Description

Technical Field

[0001] The present application relates to the technical field of loan application, and in particular to a method, device, electronic equipment, and computer program product for applying for a live mortgage loan. Background Art

[0002] Animal husbandry is an important industry related to the national economy and people's livelihood, but livestock farmers are unable to expand the scale of their farms due to lack of funds and insufficient fixed assets. In order to develop my country's aquaculture finance, major banking institutions have launched live mortgage loans, directly using farm livestock as collateral for loans, and issuing loan amounts to customers by calculating the collateral value and matching the corresponding mortgage rate. However, there are many difficulties and low efficiency in estimating the collateral value.

[0003] At present, live animal weighing scales have been developed for live weighing, but weighing is complicated, time-consuming, labor-intensive, and inconvenient to use. Banks often face risks such as the inability to accurately measure the value of live collateral and the inability to monitor the live status in a timely manner when carrying out live pledges, and the business volume is relatively small. The breeding industry is a pillar industry in northwestern provinces and some northeastern provinces. Summary of the invention

[0004] The embodiments of the present disclosure provide a method, device, electronic device, and computer program product for applying for a living body mortgage loan, so as to improve the accuracy of calculating the value of a living body collateral and the efficiency of applying for a living body mortgage loan.

[0005] The embodiments of the present disclosure adopt the following technical solutions:

[0006] In a first aspect, an embodiment of the present disclosure provides a method for applying for a live mortgage loan, the method comprising:

[0007] Acquire and analyze image data of the living body collateral to obtain image analysis results of the living body collateral, wherein the image analysis results include body size data of the living body collateral;

[0008] Calculating the weight of the living body collateral according to the body size data of the living body collateral and the type of the living body collateral;

[0009] Calculate the value of the live animal collateral based on the weight of the live animal collateral and the livestock price conversion model;

[0010] A loan plan for the customer is generated based on the value of the living collateral and the customer's loan application information.

[0011] Optionally, acquiring and analyzing the image data of the living body collateral to obtain the image analysis result of the living body collateral includes:

[0012] Collecting image data of living collateral in a set shooting area, wherein the set shooting area is provided with a background scale;

[0013] Preprocessing the image data of the living body collateral to obtain preprocessed image data of the living body collateral;

[0014] The pre-processed image data of the living body collateral is analyzed to obtain an image analysis result of the living body collateral.

[0015] Optionally, the analyzing the pre-processed image data of the living body collateral to obtain the image analysis result of the living body collateral includes:

[0016] Determine the coordinates of any two pixel points in the preprocessed image data of the living collateral and the real coordinates corresponding to the two pixel points in the background scale;

[0017] Determine the scaling ratio of the live collateral according to the coordinates of the two pixel points and the corresponding real coordinates;

[0018] The body size data of the living body pledge is determined according to the scaling ratio of the living body pledge, wherein the body size data includes body oblique length and chest circumference.

[0019] Optionally, the calculating the weight of the living body collateral according to the body size data of the living body collateral and the type of the living body collateral includes:

[0020] Determine a weight calculation model for the living body collateral corresponding to the type of the living body collateral;

[0021] The weight of the living body pledge is calculated according to a weight calculation model of the living body pledge corresponding to the type of the living body pledge and the body size data of the living body pledge.

[0022] Optionally, the calculating the value of the live animal collateral according to the weight of the live animal collateral and the livestock price conversion model comprises:

[0023] Obtain historical live pledge prices and corresponding historical beef prices;

[0024] Generate the livestock meat price conversion model by fitting the historical live collateral price and the corresponding historical livestock meat price;

[0025] Determine the current live collateral price based on the livestock meat price conversion model and the current livestock meat price;

[0026] The value of the living body collateral is calculated according to the weight of the living body collateral and the current living body collateral price.

[0027] Optionally, the loan application information includes the pre-applied loan amount of the customer, the loan plan includes a credit line, a loan term and a repayment method, and generating the customer's loan plan based on the value of the living collateral and the customer's loan application information includes:

[0028] Obtaining external credit data of the customer and determining whether risk control rules are met based on the external credit data;

[0029] Under the condition that the risk control rules are met, the customer's loan amount is calculated based on the value of the live collateral, the bank's internal inventory data and national policy data;

[0030] Determine the credit limit of the customer based on the estimated loan amount, the pre-application loan amount of the customer, the value of the live collateral and the expected provision for losses;

[0031] The customer's loan term and repayment method are determined based on the customer's final credit limit and the life cycle of the live collateral.

[0032] Optionally, after generating a loan plan for the customer according to the value of the living body collateral and the customer's loan application information, the living body mortgage loan application method further includes:

[0033] Monitor the living collateral and assess the post-loan value of the living collateral;

[0034] The loan plan of the customer is adjusted according to the post-loan value of the living collateral.

[0035] In a second aspect, the present disclosure also provides a living body mortgage loan application device, the living body mortgage loan application device comprising:

[0036] An image acquisition and analysis unit, used to acquire and analyze the image data of the living body collateral to obtain an image analysis result of the living body collateral, wherein the image analysis result includes the body size data of the living body collateral;

[0037] A weight calculation unit, used for calculating the weight of the living body collateral according to the body size data of the living body collateral and the type of the living body collateral;

[0038] A value calculation unit, used to calculate the value of the live animal collateral according to the weight of the live animal collateral and a livestock price conversion model;

[0039] The loan application unit is used to generate a loan plan for the customer based on the value of the living collateral and the customer's loan application information.

[0040] In a third aspect, an embodiment of the present disclosure further provides an electronic device, including:

[0041] A processor; and a memory arranged to store computer executable instructions, which, when executed, cause the processor to perform any of the aforementioned live mortgage loan application methods.

[0042] In a fourth aspect, the embodiments of the present disclosure further provide a computer program product, including a computer program or instructions, which, when executed by a processor, implements any of the aforementioned methods for applying for a live mortgage loan.

[0043] At least one of the above technical solutions adopted in the embodiments of the present disclosure can achieve the following beneficial effects: the living body mortgage loan application method of the embodiments of the present disclosure first obtains and analyzes the image data of the living body collateral to obtain the image analysis result of the living body collateral, and the image analysis result includes the body size data of the living body collateral; then the weight of the living body collateral is calculated according to the body size data of the living body collateral and the type of the living body collateral; then the value of the living body collateral is calculated according to the weight of the living body collateral and the livestock price conversion model; finally, a loan plan for the customer is generated according to the value of the living body collateral and the customer's loan application information. The living body mortgage loan application method of the disclosed embodiment adopts machine vision technology to analyze the living body collateral image, and can automatically calculate the weight of the living body collateral in combination with different types of living body collateral. Compared with the method of weighing the living body, the accuracy and efficiency of weight calculation are improved. The value of the living body collateral is calculated based on the weight of the living body collateral and the constructed livestock meat price conversion model, which fully considers the future price trend of livestock meat and improves the accuracy of the living body value calculation. Based on the value of the living body collateral and the customer's loan application information, a loan plan for the customer can be automatically generated, thereby realizing a one-stop loan application and improving the processing efficiency of the loan application business. BRIEF DESCRIPTION OF THE DRAWINGS

[0044] The drawings described herein are used to provide a further understanding of the present application and constitute a part of the present application. The illustrative embodiments of the present application and their descriptions are used to explain the present application and do not constitute an improper limitation on the present application. In the drawings:

[0045] Figure 1 It is a flowchart of a method for applying for a live mortgage loan in an embodiment of the present disclosure;

[0046] Figure 2 It is a schematic diagram of the stages of implementing a live mortgage loan application in an embodiment of the present disclosure;

[0047] Figure 3 This is a schematic diagram of body size data of a live cattle in an embodiment of the present disclosure;

[0048] Figure 4 It is a structural schematic diagram of a living body mortgage loan application device in an embodiment of the present disclosure;

[0049] Figure 5 It is a structural schematic diagram of an electronic device in an embodiment of the present disclosure. DETAILED DESCRIPTION

[0050] In order to make the purpose, technical solution and advantages of the present application clearer, the technical solution of the present application will be clearly and completely described below in combination with the specific embodiments of the present application and the corresponding drawings. Obviously, the described embodiments are only part of the embodiments of the present application, not all of the embodiments. Based on the embodiments in the present application, all other embodiments obtained by ordinary technicians in this field without making creative work are within the scope of protection of the present application.

[0051] The technical solutions provided by various embodiments of the present application are described in detail below in conjunction with the accompanying drawings.

[0052] The existing living mortgage scheme has at least the following shortcomings:

[0053] 1) The value of all live animals is calculated based solely on the standardized live animal weight, and a pre-credit limit is issued to customers, which is quite different from the actual value of the live animals;

[0054] 2) Although weighing a live body with a scale is simple, there are many prerequisites, such as the live body is unwilling to be on the scale or cannot be kept still on the scale for weighing, so it is impossible to force weighing;

[0055] 3) Directly converting the current livestock price to the live price, it is impossible to obtain the future price trend of livestock meat and control the mortgage risk;

[0056] 4) After obtaining the value of the living body, it is still necessary to initiate a business application through various paper materials. The process is complicated and there is no one-stop business initiation process;

[0057] 5) The biggest risk of live mortgage is that after completing the loan application, it is impossible to monitor the status of the mortgage in real time, it is impossible to confirm whether there is any loss of the mortgage in time, and the post-loan process is complicated.

[0058] In order to solve at least one of the above technical problems, the present disclosure provides a method for applying for a live mortgage loan. Figure 1 As shown, a flow chart of a method for applying for a live mortgage loan in an embodiment of the present disclosure is provided. The method for applying for a live mortgage loan at least includes the following steps S110 to S140:

[0059] Step S110, acquiring and analyzing image data of the living body pledge to obtain image analysis results of the living body pledge, wherein the image analysis results include body size data of the living body pledge.

[0060] Combination Figure 2, a schematic diagram of the stage implementation of a live mortgage loan application in an embodiment of the present disclosure is provided. When processing the live mortgage loan application business, it is necessary to first collect image data of the live pledge using an Internet of Things acquisition device based on machine vision technology and perform image analysis to obtain image analysis results. Image analysis may include operations such as image preprocessing and feature extraction, and the image analysis results include body size data of the live pledge. Taking live cattle as an example, data such as the chest circumference and body oblique length of the live cattle can be analyzed from the image.

[0061] Step S120, calculating the weight of the living body pledge according to the body size data of the living body pledge and the type of the living body pledge.

[0062] Considering that there are differences in the weight calculation methods for different types of live collateral, after obtaining the body size data of the live collateral, it is necessary to combine the body size data of the live collateral and the actual type of the live collateral to calculate the weight of the live collateral using the corresponding calculation method. The types of live collateral generally have regional attributes, such as Qinchuan cattle in Shaanxi Province and yaks in the Qinghai-Tibet region, so the types of live collateral can be regarded as known information.

[0063] On the one hand, compared to the method of simply calculating the value of all living things based on the standardized live weight, the difference between the live weight calculated by different types of calculation methods and the correct live value is smaller, thereby improving the accuracy of live weight calculation. On the other hand, compared to the method of weighing live things, there is no need to implement complex weighing preconditions. The weight calculation can be automatically realized through the processing and analysis of image data, which improves the efficiency of the weight calculation of live collateral.

[0064] Step S130, calculating the value of the live animal collateral according to the weight of the live animal collateral and the livestock price conversion model.

[0065] Considering that the price of livestock meat may change from time to time, a livestock meat price conversion model was designed in advance to measure the changing trend between the price of livestock meat and the price of live animals. The current price of live animal collateral can be calculated using the livestock meat price conversion model and the current price of livestock meat. Combined with the total weight of the live animal collateral, the value of the live animal collateral can be calculated. Compared with the method of directly converting the current livestock meat price with the live animal price, it can fully obtain the future price trend of livestock meat and thus control the risk of live animal collateral.

[0066] Step S140: generating a loan plan for the customer based on the value of the living collateral and the customer's loan application information.

[0067] After calculating the value of the live collateral, combined with the loan application information submitted by the customer, such as the customer's pre-applied loan amount and external credit data, a loan plan can be automatically generated for the current customer, including the amount of the loan to be issued, i.e. the credit line, loan term and repayment method, etc., thereby completing the one-stop processing of loan application business.

[0068] The living body mortgage loan application method of the disclosed embodiment adopts machine vision technology to analyze the living body collateral image, and can automatically calculate the weight of the living body collateral in combination with different types of living body collateral. Compared with the method of weighing the living body, the accuracy and efficiency of weight calculation are improved. The value of the living body collateral is calculated based on the weight of the living body collateral and the constructed livestock meat price conversion model, which fully considers the future price trend of livestock meat and improves the accuracy of the living body value calculation. Based on the value of the living body collateral and the customer's loan application information, a loan plan for the customer can be automatically generated, thereby realizing a one-stop loan application and improving the processing efficiency of the loan application business.

[0069] In some embodiments of the present disclosure, the acquiring and analyzing the image data of the living body collateral to obtain the image analysis result of the living body collateral includes: collecting the image data of the living body collateral in a set shooting area, wherein the set shooting area is provided with a background scale; preprocessing the image data of the living body collateral to obtain preprocessed image data of the living body collateral; and analyzing the preprocessed image data of the living body collateral to obtain the image analysis result of the living body collateral.

[0070] In order to ensure the accuracy and efficiency of subsequent image processing and analysis, the collection of live collateral image data needs to be carried out in certain scenarios and conditions. For example, a clean background area can be set up in the image collection environment, and the background of the area can be placed as a ruler of the reference coordinate system. The live body can be allowed to stand in the camera area in a natural posture, and the side and top views of the live body can be taken. All the live bodies to be collateralized are photographed and organized into image data sets for subsequent image data analysis.

[0071] After acquiring the image data of live collateral, since real-life images inevitably contain image noise, some image preprocessing operations are required to make the image meet the requirements of subsequent analysis. Taking live cattle images as an example, considering that the live cattle images themselves have fewer details, a simple mean filtering algorithm can be used to smooth the image and reduce the impact of noise. Specifically, by calculating the average value b of pixel a and its surrounding points with a radius of 1 (window size is 3×3), the result b is assigned to a. According to this principle, the image is traversed, the mean is solved, and finally the denoised image is obtained. Then the Sobel operator is used for edge detection. Each point in the image is convolved with the Sobel operator, one for detecting vertical edges and one for detecting horizontal edges. Finally, the maximum value of the two convolutions is used as the grayscale output after detection. The Sobel operator is as follows, dx is the horizontal operator, and dy is the vertical operator:

[0072]

[0073] The final grayscale size of the pixel is:

[0074]

[0075] After the above preprocessing operation, the preprocessed image data is analyzed to analyze the body size data and other information of the living collateral.

[0076] In some embodiments of the present disclosure, analyzing the preprocessed image data of the living body collateral to obtain the image analysis result of the living body collateral includes: determining the coordinates of any two pixel points in the preprocessed image data of the living body collateral and the real coordinates corresponding to the two pixel points in the background scale; determining the scaling ratio of the living body collateral according to the coordinates of the two pixel points and the corresponding real coordinates; and determining the body size data of the living body collateral according to the scaling ratio of the living body collateral, wherein the body size data includes body oblique length and chest circumference.

[0077] like Figure 3 As shown, a schematic diagram of the body size data of a live cattle in an embodiment of the present disclosure is provided. The body oblique length and chest circumference are two key data for calculating the weight of live cattle. Therefore, in the image analysis stage, it is necessary to be able to analyze the chest circumference and body oblique length of each live cattle. For example, the pixel coordinates of any two points in the image can be captured first, and the distance between the two pixel points is recorded as s1. Then, the actual distance s2 between the two points is read according to the background scale. The scaling ratio of the live collateral can be obtained by comparing the two. With the scaling ratio of the image, the pixel size of the live collateral can be measured on the image, and the pixel size can be converted into the size in the real world through the scaling ratio, that is, the real body oblique length and chest circumference of the collateral can be obtained.

[0078] Of course, in addition to the above calculation by scaling, the coordinates of the pixel points representing the chest circumference and the body slenderness in the image can also be directly identified, and then the real coordinates corresponding to the pixel points are read in combination with the background scale, and then the real body slenderness and chest circumference of the collateral are calculated based on the real coordinates.

[0079] In some embodiments of the present disclosure, calculating the weight of the living body collateral according to the body size data of the living body collateral and the type of the living body collateral includes: determining a weight calculation model of the living body collateral corresponding to the type of the living body collateral; and calculating the weight of the living body collateral according to the weight calculation model of the living body collateral corresponding to the type of the living body collateral and the body size data of the living body collateral.

[0080] At present, the internationally used methods for measuring the weight of live cattle mainly include the Cattleman method and the Johnson method, which are respectively applicable to the weight calculation of different types of live cattle. Therefore, when calculating the weight of live pledges, it is necessary to use the weight calculation model of live pledges corresponding to the type of live pledges to calculate the weight of live pledges.

[0081] Taking the calculation of the weight of live cattle as collateral as an example, first determine the type and specific characteristics of the live cattle, then calculate the weight of the live cattle as collateral based on the corresponding live cattle weight measurement model and the data such as the body oblique length and chest circumference of the live cattle analyzed from the image data. For example, the calculation can be divided into the following methods:

[0082] 1) Kato-Roche method (applicable to dairy cows and dairy-beef cattle): body weight (kg) = chest circumference (m) squared × body oblique length (m) × 87.5.

[0083] 2) Johnson method (applicable to large foreign cattle): body weight (kg) = chest circumference (cm)2 × body oblique length (cm) ÷ 10800.

[0084] 3) Johnson method (applicable to Qinchuan cattle in my country): body weight (kg) = chest circumference (cm)2 × body oblique length (cm) ÷ 11420.

[0085] The specific formula for calculating the weight of live collateral can be based on the above formula. The coefficients in the formula (i.e., 87.5, 10800, and 11420) can be fitted using the live cattle weight data of the local area of ​​the collateral to obtain measurement coefficients that truly fit the local cattle body, thereby reducing measurement errors.

[0086] In some embodiments of the present disclosure, the calculating the value of the live collateral based on the weight of the live collateral and the livestock meat price conversion model includes: obtaining historical live collateral prices and corresponding historical beef prices; generating the livestock meat price conversion model by fitting the historical live collateral prices and corresponding historical livestock meat prices; determining the current live collateral price based on the livestock meat price conversion model and the current livestock meat price; and calculating the live collateral value based on the weight of the live collateral and the current live collateral price.

[0087] For the construction of the livestock price conversion model, we can first obtain all the past livestock and live price data through the government price announcement website. By observing the data, we can generally know that the prices of livestock and live change linearly. Therefore, we can use the linear regression algorithm to determine the dependency relationship between the two variables, which can be expressed as:

[0088] Live price = meat price * α + β

[0089] Among them, α and β are the variables to be fitted, and the least squares method can be used to reduce the residual sum of squares.

[0090] Based on the weight of the live pledge calculated in the above embodiment, the current meat price can be converted into the live price according to the meat price conversion model and the current meat price. Finally, the weight of the live pledge is multiplied by the live price to obtain the real value of the live pledge.

[0091] Compared with the method of directly converting the current livestock meat price into the live animal price, it is possible to fully obtain the future price trend of livestock meat and thus control the live animal mortgage risk.

[0092] In some embodiments of the present disclosure, the loan application information includes a pre-applied loan amount of the customer, the loan plan includes a credit line, a loan term, and a repayment method, and generating a loan plan for the customer based on the value of the living collateral and the customer's loan application information includes: obtaining the customer's external credit data and determining whether risk control rules are met based on the external credit data; if the risk control rules are met, calculating the customer's loan line based on the value of the living collateral, in-bank inventory data, and national policy data; determining the customer's credit line based on the calculated loan line, the customer's pre-applied loan amount, the value of the living collateral, and the expected provision for losses; and determining the customer's loan term and repayment method based on the customer's final credit line and the life cycle of the living collateral.

[0093] The value of the live collateral calculated in the above embodiment is equivalent to completing the pre-loan collateral investigation of the customer. After the investigation is completed, it is necessary to judge the risk control rules based on the customer's external credit data. If the requirements of the risk control rules are met, the customer's loan amount is further calculated based on the customer's collateral value and the bank's existing data and national policies to obtain the calculated loan amount. The bank's existing data mainly refers to the customer's current account balance and existing loan data in the bank. National policies mainly refer to national interest subsidies.

[0094] Based on the estimated loan amount, the customer's pre-applied loan amount, the actual value of the live collateral and the expected provision loss, the customer's actual credit limit is calculated, and then the customer's loan term and repayment method are determined based on the life cycle of the live collateral industry, and finally the customer's pre-loan full process monitoring is completed. The expected provision loss of live collateral is mainly based on the predicted value loss such as the mortality rate of live collateral, which will affect the actual value of live collateral. The life cycle of the live collateral industry mainly considers the cycle of live sales. For example, if the live cattle are sold after 3 years, the customer will receive a refund after 3 years, and the repayment period can be set to 3 years.

[0095] In some embodiments of the present disclosure, after generating a loan plan for the customer based on the value of the living body collateral and the customer's loan application information, the living body mortgage loan application method further includes: monitoring the living body collateral and evaluating the post-loan value of the living body collateral; and adjusting the customer's loan plan based on the post-loan value of the living body collateral.

[0096] After completing the loan application process of the aforementioned embodiment, the live collateral data can also be monitored in real time after the loan. During the post-loan inspection, the quality of the live body can be spot-checked, for example, the post-loan value of the live body collateral can be checked using an IoT device, and real-time dynamic adjustment of loan elements can be supported based on the post-loan collateral value. For example, if the number of live body collateral decreases or the price decreases, the customer's credit limit can be reduced in real time, and the loan period can be shortened, thereby preventing and controlling loan risks.

[0097] In summary, the key points of the living body mortgage loan application method disclosed in the present invention are:

[0098] 1) A method for processing live body images based on machine vision is proposed to obtain the live body size data based on the image data, and the value of the live body collateral is calculated based on the live body price;

[0099] 2) A linear regression-based conversion model for live and meat prices is proposed, which can estimate the live cattle price based on the market beef price;

[0100] 3) Propose a one-stop solution for pre-loan and post-loan processing, that is, after obtaining the value of the live collateral, the loan business can be processed with one click, and real-time monitoring of the collateral after the loan is realized to control the risk of the loan collateral value.

[0101] The living body mortgage loan application method disclosed in the present invention has at least achieved the following technical effects:

[0102] 1) It can realize the image processing and analysis of live cattle collateral based on machine vision, and realize non-destructive weighing of live animals by combining the body shape data and live species obtained by analysis, so as to facilitate the bank's refined management of the collateral value.

[0103] 2) It is possible to construct a price conversion model between live animals and livestock meat in the local market, determine the value trend of live animal collateral based on the price conversion relationship, and prevent and control loan risks.

[0104] 3) It can realize one-stop processing of live mortgages. Through pre-loan collateral value assessment, mid-loan loan application and post-loan collateral real-time monitoring, it controls the data of the entire loan process and preserves the value of the collateral throughout its life cycle.

[0105] The disclosed embodiment also provides a living body mortgage loan application device 400, such as Figure 4 As shown, a schematic diagram of the structure of a living body mortgage loan application device in an embodiment of the present disclosure is provided. The living body mortgage loan application device 400 includes: an image acquisition and analysis unit 410, a weight calculation unit 420, a value calculation unit 430 and a loan application unit 440, wherein:

[0106] An image acquisition and analysis unit 410 is used to acquire and analyze the image data of the living body collateral to obtain an image analysis result of the living body collateral, wherein the image analysis result includes the body size data of the living body collateral;

[0107] A weight calculation unit 420, configured to calculate the weight of the living body pledge according to the body size data of the living body pledge and the type of the living body pledge;

[0108] A value calculation unit 430, used to calculate the value of the live body collateral according to the weight of the live body collateral and the livestock price conversion model;

[0109] The loan application unit 440 is used to generate a loan plan for the customer based on the value of the living collateral and the customer's loan application information.

[0110] In some embodiments of the present disclosure, the image acquisition and analysis unit 410 is specifically used to: acquire image data of a living body collateral in a set shooting area, wherein the set shooting area is provided with a background scale; pre-process the image data of the living body collateral to obtain pre-processed image data of the living body collateral; and analyze the pre-processed image data of the living body collateral to obtain an image analysis result of the living body collateral.

[0111] In some embodiments of the present disclosure, the image acquisition and analysis unit 410 is specifically used to: determine the coordinates of any two pixel points in the preprocessed image data of the living body collateral and the real coordinates corresponding to the two pixel points in the background scale; determine the scaling ratio of the living body collateral according to the coordinates of the two pixel points and the corresponding real coordinates; determine the body size data of the living body collateral according to the scaling ratio of the living body collateral, and the body size data includes body oblique length and chest circumference.

[0112] In some embodiments of the present disclosure, the weight calculation unit 420 is specifically used to: determine a weight calculation model of the living body collateral corresponding to the type of the living body collateral; and calculate the weight of the living body collateral according to the weight calculation model of the living body collateral corresponding to the type of the living body collateral and the body size data of the living body collateral.

[0113] In some embodiments of the present disclosure, the value calculation unit 430 is specifically used to: obtain historical live collateral prices and corresponding historical beef prices; generate the livestock meat price conversion model based on the historical live collateral prices and corresponding historical livestock meat prices; determine the current live collateral price based on the livestock meat price conversion model and the current livestock meat price; calculate the live collateral value based on the weight of the live collateral and the current live collateral price.

[0114] In some embodiments of the present disclosure, the loan application information includes the customer's pre-applied loan amount, the loan plan includes a credit line, a loan term, and a repayment method, and the loan application unit 440 is specifically used to: obtain the customer's external credit data and determine whether the risk control rules are met based on the external credit data; if the risk control rules are met, calculate the customer's loan line based on the value of the living collateral, the bank's internal inventory data, and national policy data; determine the customer's credit line based on the calculated loan line, the customer's pre-applied loan amount, the living collateral value, and the expected provision for losses; determine the customer's loan term and repayment method based on the customer's final credit line and the life cycle of the living collateral.

[0115] In some embodiments of the present disclosure, the living body mortgage loan application device 400 further includes: a monitoring unit, configured to monitor the living body collateral and evaluate the post-loan value of the living body collateral after generating a loan plan for the customer according to the value of the living body collateral and the customer's loan application information; and an adjustment unit, configured to adjust the customer's loan plan according to the post-loan value of the living body collateral.

[0116] It can be understood that the above-mentioned living body mortgage loan application device can implement each step of the living body mortgage loan application method provided in the above-mentioned embodiment. The relevant explanations about the living body mortgage loan application method are applicable to the living body mortgage loan application device and will not be repeated here.

[0117] Figure 5 This is a schematic diagram of the structure of an electronic device according to an embodiment of the present application. Figure 5 At the hardware level, the electronic device includes a processor, and optionally also includes an internal bus, a network interface, and a memory. The memory may include a memory, such as a high-speed random access memory (RAM), and may also include a non-volatile memory (non-volatile memory), such as at least one disk storage. Of course, the electronic device may also include hardware required for other services.

[0118] The processor, network interface and memory can be interconnected through an internal bus, which can be an ISA (Industry Standard Architecture) bus, a PCI (Peripheral Component Interconnect) bus or an EISA (Extended Industry Standard Architecture) bus. The bus can be divided into an address bus, a data bus, a control bus, etc. For ease of representation, Figure 5 Only one bidirectional arrow is used in the diagram, but this does not mean that there is only one bus or only one type of bus.

[0119] The memory is used to store the program. Specifically, the program may include a program code, and the program code includes a computer operation instruction. The memory may include a memory and a non-volatile memory, and provides instructions and data to the processor.

[0120] The processor reads the corresponding computer program from the non-volatile memory into the memory and then runs it, forming a living mortgage loan application device at the logical level. The processor executes the program stored in the memory and is specifically used to perform the following operations:

[0121] Acquire and analyze image data of the living body collateral to obtain image analysis results of the living body collateral, wherein the image analysis results include body size data of the living body collateral;

[0122] Calculating the weight of the living body collateral according to the body size data of the living body collateral and the type of the living body collateral;

[0123] Calculate the value of the live animal collateral based on the weight of the live animal collateral and the livestock price conversion model;

[0124] A loan plan for the customer is generated based on the value of the living collateral and the customer's loan application information.

[0125] The above application Figure 1 The method performed by the living body mortgage loan application device disclosed in the illustrated embodiment can be applied to a processor or implemented by a processor. The processor may be an integrated circuit chip with signal processing capabilities. In the implementation process, each step of the above method can be completed by an integrated logic circuit of hardware in the processor or an instruction in the form of software. The above processor can be a general-purpose processor, including a central processing unit (CPU), a network processor (NP), etc.; it can also be a digital signal processor (DSP), an application specific integrated circuit (ASIC), a field programmable gate array (FPGA) or other programmable logic devices, discrete gates or transistor logic devices, discrete hardware components. The methods, steps and logic block diagrams disclosed in the embodiments of the present disclosure can be implemented or executed. The general-purpose processor can be a microprocessor or the processor can also be any conventional processor, etc. The steps of the method disclosed in conjunction with the embodiments of the present disclosure can be directly embodied as being executed by a hardware decoding processor, or can be executed by a combination of hardware and software modules in the decoding processor. The software module can be located in a storage medium mature in the art such as a random access memory, a flash memory, a read-only memory, a programmable read-only memory, or an electrically erasable programmable memory, a register, etc. The storage medium is located in the memory, and the processor reads the information in the memory and completes the steps of the above method in combination with its hardware.

[0126] The present disclosure also provides a computer program product, including a computer program or an instruction, which is implemented when the computer program or the instruction is executed by a processor. Figure 1 The living body mortgage loan application method in the illustrated embodiment is specifically used to perform:

[0127] Acquire and analyze image data of the living body collateral to obtain image analysis results of the living body collateral, wherein the image analysis results include body size data of the living body collateral;

[0128] Calculating the weight of the living body collateral according to the body size data of the living body collateral and the type of the living body collateral;

[0129] Calculate the value of the live animal collateral based on the weight of the live animal collateral and the livestock price conversion model;

[0130] A loan plan for the customer is generated based on the value of the living collateral and the customer's loan application information.

[0131] Those skilled in the art will appreciate that embodiments of the present invention may be provided as methods, systems, or computer program products. Therefore, the present invention may take the form of a complete hardware embodiment, a complete software embodiment, or an embodiment combining software and hardware. Moreover, the present invention may take the form of a computer program product implemented on one or more computer-usable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) containing computer-usable program code.

[0132] The present invention is described with reference to flowcharts and / or block diagrams of methods, devices (systems), and computer program products according to embodiments of the present invention. It should be understood that each process and / or block in the flowchart and / or block diagram, as well as the combination of processes and / or blocks in the flowchart and / or block diagram, can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, a special-purpose computer, an embedded processor, or other programmable data processing device to produce a machine, so that the instructions executed by the processor of the computer or other programmable data processing device generate instructions for implementing the processes in the flowchart and / or block diagram. Figure 1 A process or multiple processes and / or boxes Figure 1 A device that provides the functions specified in a block or multiple blocks.

[0133] These computer program instructions may also be stored in a computer-readable memory capable of directing a computer or other programmable data processing device to operate in a specific manner, so that the instructions stored in the computer-readable memory produce an article of manufacture including an instruction device, which implements the process Figure 1 A process or multiple processes and / or boxes Figure 1 A function specified in one or more boxes.

[0134] These computer program instructions can also be loaded onto a computer or other programmable data processing device so that a series of operating steps are executed on the computer or other programmable device to produce a computer-implemented process, thereby providing instructions for implementing the process. Figure 1 A process or multiple processes and / or boxes Figure 1 The steps for the functions specified in one or more boxes.

[0135] In a typical configuration, a computing device includes one or more processors (CPU), input / output interfaces, network interfaces, and memory.

[0136] The memory may include non-permanent storage in a computer-readable medium, random access memory (RAM) and / or non-volatile memory in the form of read-only memory (ROM) or flash RAM. The memory is an example of a computer-readable medium.

[0137] Computer readable media include permanent and non-permanent, removable and non-removable media that can be implemented by any method or technology to store information. Information can be computer readable instructions, data structures, program modules or other data. Examples of computer storage media include, but are not limited to, phase change memory (PRAM), static random access memory (SRAM), dynamic random access memory (DRAM), other types of random access memory (RAM), read-only memory (ROM), electrically erasable programmable read-only memory (EEPROM), flash memory or other memory technology, compact disk read-only memory (CD-ROM), digital versatile disk (DVD) or other optical storage, magnetic cassettes, magnetic tape disk storage or other magnetic storage devices or any other non-transmission media that can be used to store information that can be accessed by a computing device. As defined herein, computer readable media does not include temporary computer readable media (transitory media), such as modulated data signals and carrier waves.

[0138] It should also be noted that the terms "include", "comprises" or any other variations thereof are intended to cover non-exclusive inclusion, so that a process, method, commodity 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, commodity or device. In the absence of more restrictions, the elements defined by the sentence "comprises a ..." do not exclude the existence of other identical elements in the process, method, commodity or device including the elements.

[0139] Those skilled in the art will appreciate that the embodiments of the present application may be provided as methods, systems or computer program products. Therefore, the present application may adopt the form of a complete hardware embodiment, a complete software embodiment or an embodiment in combination with software and hardware. Moreover, the present application may adopt the form of a computer program product implemented on one or more computer-usable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) that contain computer-usable program code.

[0140] The above is only an embodiment of the present application and is not intended to limit the present application. For those skilled in the art, the present application may have various changes and variations. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of the present application should be included in the scope of the claims of the present application.

Claims

1. A method for applying for a live mortgage loan, characterized in that: The living mortgage loan application method comprises: Acquire and analyze image data of the living body collateral to obtain image analysis results of the living body collateral, wherein the image analysis results include body size data of the living body collateral; Calculating the weight of the living body collateral according to the body size data of the living body collateral and the type of the living body collateral; Calculate the value of the live animal collateral based on the weight of the live animal collateral and the livestock price conversion model; A loan plan for the customer is generated based on the value of the living collateral and the customer's loan application information.

2. The living body mortgage loan application method according to claim 1, characterized in that: The acquiring and analyzing the image data of the living body collateral to obtain the image analysis result of the living body collateral includes: Collecting image data of living collateral in a set shooting area, wherein the set shooting area is provided with a background scale; Preprocessing the image data of the living body collateral to obtain preprocessed image data of the living body collateral; The pre-processed image data of the living body collateral is analyzed to obtain an image analysis result of the living body collateral.

3. The living body mortgage loan application method according to claim 2, characterized in that: The analyzing the pre-processed image data of the living body collateral to obtain the image analysis result of the living body collateral includes: Determine the coordinates of any two pixel points in the preprocessed image data of the living collateral and the real coordinates corresponding to the two pixel points in the background scale; Determine the scaling ratio of the live collateral according to the coordinates of the two pixel points and the corresponding real coordinates; The body size data of the living body pledge is determined according to the scaling ratio of the living body pledge, wherein the body size data includes body oblique length and chest circumference.

4. The living body mortgage loan application method according to claim 1, characterized in that: The step of calculating the weight of the living body collateral according to the body size data of the living body collateral and the type of the living body collateral includes: Determine a weight calculation model for the living body collateral corresponding to the type of the living body collateral; The weight of the living body pledge is calculated according to a weight calculation model of the living body pledge corresponding to the type of the living body pledge and the body size data of the living body pledge.

5. The living body mortgage loan application method according to claim 1, characterized in that: The calculation of the value of the live animal collateral based on the weight of the live animal collateral and the livestock price conversion model includes: Obtain historical live pledge prices and corresponding historical beef prices; Generate the livestock meat price conversion model by fitting the historical live collateral price and the corresponding historical livestock meat price; Determine the current live collateral price based on the livestock meat price conversion model and the current livestock meat price; The value of the living body collateral is calculated according to the weight of the living body collateral and the current living body collateral price.

6. The living body mortgage loan application method according to claim 1, characterized in that: The loan application information includes the pre-applied loan amount of the customer, the loan plan includes the credit line, loan term and repayment method, and the generating of the customer's loan plan according to the value of the living collateral and the customer's loan application information includes: Obtaining external credit data of the customer and determining whether risk control rules are met based on the external credit data; Under the condition that the risk control rules are met, the customer's loan amount is calculated based on the value of the live collateral, the bank's internal inventory data and national policy data; Determine the credit limit of the customer based on the estimated loan amount, the pre-application loan amount of the customer, the value of the live collateral and the expected provision for losses; The customer's loan term and repayment method are determined based on the customer's final credit limit and the life cycle of the live collateral.

7. The living body mortgage loan application method according to claim 1, characterized in that: After generating a loan plan for the customer according to the value of the living body collateral and the customer's loan application information, the living body mortgage loan application method further includes: Monitor the living collateral and assess the post-loan value of the living collateral; The loan plan of the customer is adjusted according to the post-loan value of the living collateral.

8. A living mortgage loan application device, characterized in that: The living body mortgage loan application device comprises: An image acquisition and analysis unit, used to acquire and analyze the image data of the living body collateral to obtain an image analysis result of the living body collateral, wherein the image analysis result includes the body size data of the living body collateral; A weight calculation unit, used for calculating the weight of the living body collateral according to the body size data of the living body collateral and the type of the living body collateral; A value calculation unit, used to calculate the value of the live animal collateral according to the weight of the live animal collateral and a livestock price conversion model; The loan application unit is used to generate a loan plan for the customer based on the value of the living collateral and the customer's loan application information.

9. An electronic device, comprising: processor; and a memory arranged to store computer executable instructions, which, when executed, cause the processor to perform the live mortgage loan application method of any one of claims 1 to 7.

10. A computer program product, comprising a computer program or instructions, wherein when the computer program or instructions are executed by a processor, the living body mortgage loan application method according to any one of claims 1 to 7 is implemented.

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