Security deposit management method and system

Abstract

The invention relates to a cash deposit management system and method, and belongs to the technical field of data processing, and the method comprises the steps: obtaining a rating model of a target commercial tenant in a financial transaction system, setting a commercial tenant rating and a lever proportion thereof in the rating model, and building a cash deposit account of the target commercial tenant according to a preset cash deposit transaction mode through the financial transaction system, based on a transaction record of the target merchant in the credit system, initializing a total amount of remaining principal of a loan; monitoring a loan application of the credit system, and updating the total amount of the remaining principal of the loan according to the amount of the loan application; according to the lever ratio and the account available amount of the deposit account, the upper limit of the total amount of the residual loan principal is calculated, and the loan execution operation of the credit system is controlled by judging the total amount of the residual loan principal and the upper limit of the total amount of the residual loan principal, so that the efficiency of deposit management is improved, errors in fund management are prevented, and the user experience is improved. The accuracy and security of the deposit fund are ensured, and the default risk faced by the credit system is reduced.

Description

Technical Field

[0001] The present invention relates to the field of data processing technology, and in particular to a margin management method and system. Background Art

[0002] Currently in financial transactions, when merchants need a loan, they usually set up a deposit. The credit system will lend to the merchant based on the amount of the corresponding deposit. If the corresponding deposit is insufficient, the loan will be stopped immediately, thereby completing the management of the deposit.

[0003] In the existing scheme, for example, patent CN111563809A discloses a method, device, equipment and storage medium for managing a security deposit, which discloses the establishment of a security deposit account based on the security deposit information and the application request sent by the second terminal. Furthermore, the user can also query whether the balance in the payment account is less than the security deposit amount. If the balance in the payment account is less than the security deposit amount, the user is prompted that the balance is insufficient. The funds in the security deposit account are frozen based on the security deposit information. However, the above method only determines whether to make a loan by judging the size of the loan application amount and the security deposit amount, resulting in insufficient control of the source of funds or the accuracy of the amount, and prone to loopholes in fund management. It also does not reflect the association mechanism between the security deposit account and the loan business. When it comes to combining with other financial businesses such as loans, it may not be possible to effectively conduct risk assessment and fund management, thereby lacking comprehensive consideration in the establishment and management of security deposit accounts. In the face of complex financial market environments and changing merchant situations, the overall risk control ability may be weak. Summary of the invention

[0004] In view of the shortcomings existing in the relevant technologies, the purpose of the present invention is to provide a margin management method and system to solve the problems that the existing technologies are not strict enough in controlling the accuracy of the source of funds or the amount, which is prone to loopholes in fund management and does not reflect the association mechanism between the margin account and the loan business. When it comes to combining with other financial businesses such as loans, it may not be possible to effectively conduct risk assessment and fund management, resulting in a lack of comprehensive consideration in the establishment and management of margin accounts. When faced with a complex financial market environment and changing merchant conditions, the overall risk control ability may be weak.

[0005] The present invention provides a margin management method, comprising the following steps:

[0006] Margin account establishment step: obtaining a rating model of a target merchant in a financial transaction system, setting a merchant rating and a leverage ratio leverageRatio in the rating model, the financial transaction system establishing a margin account of the target merchant according to a preset margin transaction model, and initializing a principal balance of the remaining loan amount based on the transaction record of the target merchant in the credit system;

[0007] Margin account update step: monitor the loan application of the credit system, and update the principalBalance of the remaining principal amount of the loan according to the loan application amount loanAmount;

[0008] A credit limit control step: calculating the principalBalanceMax upper limit of the total remaining principal amount of the loan according to the leverage ratio leverageRatio and the account available amount useAmount of the margin account, and controlling the loan execution operation of the credit system by judging the size of the principalBalance of the total remaining principal amount of the loan and the principalBalanceMax upper limit of the total remaining principal amount of the loan.

[0009] By acquiring the rating model of the target merchant and setting the leverage ratio, the financial transaction system can quantify the risk according to the specific circumstances of the merchant, and reduce the default risk faced by the credit system by calculating the upper limit of the total remaining principal amount of the loan.

[0010] In some embodiments of the present invention, the credit limit control step further includes:

[0011] Loan execution step: when the calculated total remaining principal amount of the loan principalBalance is less than the upper limit of the total remaining principal amount of the loan principalBalanceMax, the credit system executes the loan operation;

[0012] Loan waiting step: when the principalBalanceMax upper limit of the total remaining principal amount of the loan is less than the principalBalance, the credit system puts the loan application into the message queue, and dynamically monitors the changes of the principalBalance, and continues to judge the size of the principalBalance and the principalBalanceMax upper limit of the total remaining principal amount of the loan, until the principalBalance is less than the principalBalanceMax upper limit of the total remaining principal amount of the loan.

[0013] The available amount of the account, useAmount, is calculated based on the following calculation model:

[0014] useAmount=accountBalance-frozenAmount-frozenAmountP-disposalAmoutP,

[0015] Among them, accountBalance is the deposit amount, frozenAmount is the frozen amount, frozenAmountP is the amount to be frozen, and disposalAmountP is the amount to be disposed of.

[0016] The principalBalanceMax, the upper limit of the total remaining principal amount of the loan, is calculated based on the following calculation model:

[0017] principalBalanceMax=useAmount / leverageRatio.

[0018] The embodiment of the present invention enhances the flexibility and adaptability of the system by placing loan applications that do not immediately meet the loan conditions into a message queue and dynamically monitoring changes in the total amount of the remaining loan principal, thereby helping the financial transaction system to better manage its capital pool and avoid liquidity risks caused by excessive lending, and maintaining a healthy capital status while meeting more loan requests.

[0019] In some embodiments of the present invention, the margin account updating step further includes:

[0020] After executing the loan operation, the repayment application of the credit system is monitored according to the message queue. When the target merchant applies for repayment, the principalBalance of the remaining principal amount of the loan is updated according to the repayment amount repaymentAmount.

[0021] The embodiments of the present invention improve the efficiency and accuracy of repayment processing and reduce operational risks through automation and real-time monitoring, while also helping financial institutions to perform risk management and optimize customer service.

[0022] In some embodiments of the present invention, the step of establishing a margin account further includes:

[0023] The target merchant's public account and security deposit payment remarks are set, and the target merchant pays the security deposit to the public account according to the security deposit payment remarks. The financial transaction system monitors the security deposit payment flow, sets the payment flow remarks, and compares the security deposit payment remarks with the flow remarks. If the security deposit payment remarks are successfully compared with the flow remarks, the security deposit amount accountBalance is recorded in the security deposit account.

[0024] The embodiment of the present invention ensures the efficiency, safety and accuracy of the deposit payment process through clear remarks requirements, public-to-public transfers, real-time monitoring and verification mechanisms, and review and feedback mechanisms, improves the management level of the platform and provides a better service experience, and enhances the trust and close cooperation between the two parties.

[0025] In some embodiments of the present invention, the margin management method further includes:

[0026] Overdue asset control step: obtain the freezing days freezeDays and disposal days disposalDays corresponding to the target merchant rating, and obtain the overdue asset list in the credit system, determine the overdue days in the overdue asset list, and determine whether to perform a freezing operation or a disposal operation based on whether the overdue days are greater than or equal to the freezing days freezeDays and the disposal days disposalDays.

[0027] Wherein, the overdue asset control step further includes:

[0028] Freeze operation execution steps: when the number of frozen days freezeDays is less than the number of overdue days and the number of overdue days is less than the number of disposal days disposalDays, and the overdue assets are not overdue, the frozen amount frozenAmount is calculated as the sum of the overdue principal and the overdue interest, and when the frozen amount frozenAmount is less than the margin amount accountBalance, the freeze operation is executed, otherwise, the frozen amount frozenAmount is recorded as the amount to be frozen frozenAmountP;

[0029] Disposal operation execution steps: When the disposal days disposalDays is less than the overdue days and the overdue assets have not been disposed of, the disposal amount disposalAmout is calculated as the sum of the overdue principal and the overdue interest; when the disposal amount disposalAmout is less than the margin amount, the disposal operation is performed; otherwise, the disposal amount disposalAmout is recorded as the amount to be disposed disposal disposalAmountP.

[0030] The embodiment of the present invention can effectively control risks by comparing the sum of the overdue principal and the overdue interest with the margin amount during freezing operations and disposal operations. The operation is performed only if the overdue amount is less than the margin amount. This ensures to a certain extent that unnecessary losses will not be caused by excessive operations when handling overdue assets, helps to rationally utilize resources, thereby saving management costs and improving overall operational efficiency.

[0031] Some embodiments of the present invention further provide a margin management system, including:

[0032] Margin account establishment module: obtains the rating model of the target merchant in the financial transaction system, sets the merchant rating and its leverage ratio leverageRatio in the rating model, and the financial transaction system establishes the margin account of the target merchant according to the preset margin transaction mode, and initializes a principal balance of the remaining loan amount based on the transaction record of the target merchant in the credit system;

[0033] A margin account update module monitors the loan application of the credit system and updates the principalBalance of the remaining principal amount of the loan according to the loan application amount loanAmount;

[0034] A credit limit control module: calculates the principalBalanceMax upper limit of the total remaining principal amount of the loan according to the leverage ratio leverageRatio and the account available amount useAmount of the margin account, and controls the loan execution operation of the credit system by judging the size of the principalBalance of the total remaining principal amount of the loan and the principalBalanceMax upper limit of the total remaining principal amount of the loan.

[0035] Wherein, the quota control module further includes:

[0036] Loan execution unit: when the calculated total amount of remaining loan principals principalBalance is less than the upper limit of the total amount of remaining loan principals principalBalanceMax, the credit system executes the loan operation;

[0037] Loan waiting unit: When the principalBalanceMax upper limit of the total remaining principal amount of the loan is less than the principalBalance, the credit system puts the loan application into the message queue, and dynamically monitors the changes of the principalBalance, and continues to judge the size of the principalBalance and the principalBalanceMax upper limit of the total remaining principal amount of the loan until the principalBalance is less than the principalBalanceMax upper limit of the total remaining principal amount of the loan.

[0038] Wherein, the margin account update module further includes:

[0039] After executing the loan operation, the repayment application of the credit system is monitored according to the message queue. When the target merchant applies for repayment, the principalBalance of the remaining principal amount of the loan is updated according to the repayment amount repaymentAmount.

[0040] Wherein, the margin account establishment module further includes:

[0041] The target merchant's public account and security deposit payment remarks are set, and the target merchant pays the security deposit to the public account according to the security deposit payment remarks. The financial transaction system monitors the security deposit payment flow, sets the payment flow remarks, and compares the security deposit payment remarks with the flow remarks. If the security deposit payment remarks are successfully compared with the flow remarks, the security deposit amount accountBalance is recorded in the security deposit account.

[0042] Wherein, the margin management system further includes:

[0043] Overdue asset control module: obtains the freezing days freezeDays and disposal days disposalDays corresponding to the target merchant rating, and obtains the overdue asset list in the credit system, determines the overdue days in the overdue asset list, and determines whether to perform a freezing operation or a disposal operation according to whether the overdue days are greater than or equal to the freezing days freezeDays and the disposal days disposalDays.

[0044] Wherein, the overdue asset control module further includes:

[0045] Freezing operation execution unit: when the number of freezing days freezeDays is less than the number of overdue days and the number of overdue days is less than the number of disposal days disposalDays, and the overdue asset is not overdue, the frozen amount frozenAmount is calculated as the sum of the overdue principal and the overdue interest, and when the frozen amount frozenAmount is less than the margin amount accountBalance, the freezing operation is executed, otherwise, the frozen amount frozenAmount is recorded as the amount to be frozen frozenAmountP;

[0046] Disposal operation execution unit: when the number of disposal days disposalDays is less than the number of overdue days and the overdue assets have not been disposed of, the disposal amount disposalAmout is calculated as the sum of the overdue principal and the overdue interest; when the disposal amount disposalAmout is less than the margin amount, the disposal operation is executed; otherwise, the disposal amount disposalAmout is recorded as the amount to be disposed disposal disposalAmoutP.

[0047] The embodiment of the present invention calculates the upper limit of the total remaining principal amount of the loan through merchant rating and leverage ratio, calculates the total remaining principal amount of the loan according to overdue assets, and determines whether to execute the loan by judging the size of the total remaining principal amount of the loan and the upper limit of the total remaining principal amount of the loan, thereby improving the efficiency of margin management, helping to prevent errors in fund management, ensuring the accuracy and security of margin funds, and reducing the default risk faced by the credit system. BRIEF DESCRIPTION OF THE DRAWINGS

[0048] In order to more clearly illustrate the embodiments of the present application or the technical solutions in the prior art, the specific embodiments of the present invention will be described in detail below in conjunction with the accompanying drawings. For ordinary technicians in this field, other drawings can be obtained based on these drawings without paying any creative work.

[0049] Figure 1 A flowchart of a margin management method provided by an embodiment of the present invention;

[0050] Figure 2 A flow chart of a quota control step S3 provided in an embodiment of the present invention;

[0051] Figure 3 An application flow chart of a credit limit control step S3 provided in an embodiment of the present invention;

[0052] Figure 4 An application flow chart of a margin account step S1 provided in an embodiment of the present invention;

[0053] Figure 5 A flowchart of an overdue asset control step S4 provided in an embodiment of the present invention;

[0054] Figure 6 An application flow chart of an overdue asset control step S4 provided in an embodiment of the present invention;

[0055] Figure 7 A structural diagram of the influence relationship of the total amount of remaining principal of a loan provided in an embodiment of the present invention;

[0056] Figure 8 A schematic diagram of the structure of a margin management system provided by an embodiment of the present invention. DETAILED DESCRIPTION

[0057] In order to make the purpose, technical solutions and advantages of the present application clearer, the present application is described and illustrated below in conjunction with the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are only used to explain the present application and are not intended to limit the present application. Based on the embodiments provided in the present application, all other embodiments obtained by ordinary technicians in the field without making creative work are within the scope of protection of the present application.

[0058] It should be noted that the terms used herein are only for describing specific embodiments and are not intended to limit the exemplary embodiments according to the present application. As used herein, unless the context clearly indicates otherwise, the singular form is also intended to include the plural form. In addition, it should be understood that the terms "including" and "having" and any of their variations are intended to cover non-exclusive inclusions, for example, a process, method, system, product or device that includes a series of steps or units is not necessarily limited to those steps or units that are clearly listed, but may include other steps or units that are not clearly listed or inherent to these processes, methods, products or devices.

[0059] In the absence of conflict, the embodiments of the present invention and the features of the embodiments may be combined with each other.

[0060] The technical solution of the present invention is described in detail below in conjunction with specific embodiments and the accompanying drawings.

[0061] As attached Figure 1 As shown, the present invention provides a margin management method, comprising the following steps:

[0062] Margin account establishment step S1: obtain the rating model of the target merchant in the financial transaction system, set the merchant rating and its leverage ratio leverageRatio in the rating model, and the financial transaction system establishes the margin account of the target merchant according to the preset margin transaction model, and initializes a principal balance of the remaining loan amount based on the target merchant's transaction record in the credit system;

[0063] Optionally, the rating model further includes a merchant number field, a freezing days field, and a disposal days field; wherein the merchant number is the identity representation of the target merchant; the merchant rating is the risk rating of the target merchant, and each target merchant corresponds to a rating after passing the test; and the leverage ratio is a leverage ratio corresponding to each merchant rating;

[0064] Among them, there is a certain mutual influence between merchant rating and leverage ratio and disposal days and freezing days:

[0065] (1) The impact of merchant rating on leverage ratio

[0066] Credit risk: The higher the merchant rating, the lower its credit risk. The financial trading system will be more willing to increase the leverage ratio when providing financing to it, because merchants with high ratings have a lower probability of default and higher security.

[0067] Debt-paying ability: Merchants with high ratings tend to have stronger debt-paying ability and healthier financial conditions, so they can withstand higher leverage ratios without falling into financial difficulties;

[0068] Financing costs: Merchants with high ratings can obtain lower financing costs due to their better credit, allowing them to assume a higher leverage ratio under the same conditions.

[0069] (2) Impact of leverage ratio on merchant ratings

[0070] Financial stability: A higher leverage ratio means that the target merchant relies more on debt financing, which increases its financial instability and may lead to a rating downgrade;

[0071] Risk exposure: High leverage ratios increase the target merchants’ sensitivity to market fluctuations and changes in the economic environment, increasing potential financial risks, and therefore will be negatively considered during the assessment;

[0072] Liquidity Pressure: High leverage ratios may bring short-term liquidity pressure, affecting the target merchants' operational flexibility and emergency response capabilities, thus having a negative impact on their ratings.

[0073] (3) The impact of merchant rating and freezing days

[0074] Frequent fund freezes or prolonged account freezes may reflect that the merchant is in legal disputes or financial problems, which in turn affects its credibility and rating.

[0075] (4) The impact of merchant rating and disposal days

[0076] A longer disposal period may indicate that the target merchant is inefficient in asset management or debt handling, which will affect its operational capabilities and financial health, thereby negatively affecting the target merchant's rating. The ability to dispose of assets quickly and efficiently will be regarded as part of the merchant's good management capabilities and may result in a better rating.

[0077] (5) Leverage ratio and freezing and disposal days:

[0078] Target merchants with high leverage ratios may be more likely to fall into financial difficulties when faced with a freeze in funds or the need to quickly dispose of assets. This is because they have a heavy debt burden, greater cash flow pressure, and poorer ability to cope with emergencies.

[0079] Preferably, the margin account includes: an account ID field, a merchant number field, a margin amount field, an amount to be frozen field, a frozen amount field, an amount to be disposed of field, and a disposed amount field; wherein the account ID is the margin account identifier, which is used to establish a management relationship with other associated models such as a rating model; the margin amount is the account amount held in the margin account, such as the calculation of participating in the target merchant withdrawal and the total amount of the remaining principal of the loan is the margin amount minus the frozen amount; the frozen amount and the amount to be frozen are when it is determined to perform a freezing operation, and when the calculated frozen amount is less than the margin amount, the freezing operation is performed, and The portion of the deposit amount corresponding to the frozen amount is accumulated into the frozen amount, otherwise, the deposit amount is recorded into the amount to be frozen, and the size of the frozen amount and the deposit amount is continuously determined until the deposit amount is greater than the frozen amount; the disposal amount and the amount to be disposed are determined to be disposed when the disposal operation is performed, and when the calculated disposal amount is less than the deposit amount, the disposal operation is performed, and the portion of the deposit amount corresponding to the disposal amount is accumulated into the disposal amount, otherwise, the deposit amount is recorded into the amount to be disposed, and the size of the disposal amount and the deposit amount is continuously determined until the disposal amount is greater than the frozen amount;

[0080] Margin account update step S2: monitor the loan application of the credit system, and update the principal balance of the remaining loan amount according to the loan amount loanAmount; optionally, the margin account performs idempotent control on the loan application amount according to the loan expenditure sequence number. When the loan expenditure sequence has the principal balance of the remaining loan amount, the principal balance of the remaining loan amount is updated based on the following calculation model:

[0081] principalBalance=principalBalance+loanAmount;

[0082] By combining the uniqueness of the data table with the control of database transactions, the principalBalance, the total remaining loan principal, is accumulated;

[0083] Optionally, the core database script to update the principalBalance of the remaining loan principal is:

[0084] Begin a database transaction

[0085] INSERT INTO loan disbursement application form (loan application serial number, loan application amount, loan application date) VALUES (specific business value, loanAmount);

[0086] UPDATE table_name SET principalBalance=principalBalance+loanAmountWHERE accountID=applying merchant accountID;

[0087] Commit database transactions;

[0088] Credit limit control step S3: Calculate the principalBalanceMax upper limit of the total remaining principal amount of the loan according to the leverage ratio leverageRatio and the account available amount useAmount of the margin account, and control the loan execution operation of the credit system by judging the size of the principalBalance upper limit of the total remaining principal amount of the loan and the principalBalanceMax upper limit of the total remaining principal amount of the loan.

[0089] Based on the above method, by obtaining the rating model of the target merchant and setting the leverage ratio, the financial transaction system can quantify the risk according to the specific circumstances of the merchant, and reduce the default risk faced by the credit system by calculating the upper limit of the total remaining principal of the loan.

[0090] Combined with Figure 2 -Attached Figure 3 As shown, the quota control step S3 further includes:

[0091] Loan execution step S31: when the calculated total amount of remaining loan principal principalBalance is less than the upper limit of the total amount of remaining loan principal principalBalanceMax, the credit system executes the loan operation;

[0092] Loan waiting step S32: when the principalBalanceMax upper limit of the total remaining principal amount of the loan is less than the principalBalance, the credit system puts the loan application into the message queue, and dynamically monitors the change of the principalBalance, and continues to judge the size of the principalBalance and the principalBalanceMax upper limit of the total remaining principal amount of the loan, until the principalBalance is less than the principalBalanceMax upper limit of the total remaining principal amount of the loan;

[0093] Preferably, when the loan application stays in the message queue for longer than a preset time, the financial transaction system executes a forced loan operation or cancels the loan operation based on an intervention operation instruction;

[0094] Optionally, when the target merchant's assets do not meet expectations, the loan application is restricted, and the principalBalanceMax upper limit of the total remaining principal amount of the loan is controlled by asynchronously calling the loan result in the online process of the expenditure;

[0095] Among them, the account available amount useAmount is calculated based on the following calculation model:

[0096] useAmount=accountBalance-frozenAmount-frozenAmountP-disposalAmoutP,

[0097] Among them, accountBalance is the margin amount, frozenAmount is the frozen amount, frozenAmountP is the amount to be frozen, and disposalAmoutP is the amount to be disposed of.

[0098] The principalBalanceMax upper limit of the total remaining loan principal is calculated based on the following calculation model:

[0099] principalBalanceMax=useAmount / leverageRatio.

[0100] The margin account update step S2 further includes:

[0101] After executing the loan operation, the repayment application of the credit system is monitored according to the message queue. When the target merchant applies for repayment, the principalBalance of the remaining loan principal is updated according to the repayment amount repaymentAmount; optionally, the principalBalance of the remaining loan principal is idempotently controlled based on the repayment serial number, and the principalBalance of the remaining loan principal is updated based on the following calculation model:

[0102] principalBalance=principalBalance-repaymentAmount;

[0103] Optionally, the core database script to update the principalBalance of the remaining loan principal is:

[0104] Begin a database transaction

[0105] INSERT INTO loan repayment table (loan repayment serial number, repayment principal amount) VALUES (specific business value, repaymentAmount);

[0106] UPDATE table_name SET principalBalance=principalBalance-repaymentAmount WHERE accountID=applying merchant account ID;

[0107] Commit database transactions;

[0108] When the target merchant applies for a loan, the credit system approves the loan application and prepares to release the loan after approval. The margin account dynamically monitors the loan application through the message queue, and updates and calculates the total amount of the remaining loan principal based on the amount of the loan application. It then determines whether to release the loan through the credit limit control step S31 or the loan waiting step S32.

[0109] When the loan is released in step S31, the credit system sends a notification of successful loan release to the target merchant;

[0110] When the loan waiting step S31 is performed, the credit system puts the loan application into a message queue and cancels the loan. The credit system sends a notification of loan cancellation to the target merchant.

[0111] By placing loan applications that do not immediately meet the loan conditions into a message queue and dynamically monitoring changes in the total amount of the remaining loan principal, the flexibility and adaptability of the system are enhanced, which helps the financial transaction system to better manage its capital pool and avoid liquidity risks brought about by excessive lending. It can maintain a healthy capital status while meeting more loan requests, improve the efficiency and accuracy of repayment processing, reduce operational risks, and also help financial institutions to manage risks and optimize customer services.

[0112] Combined with Figure 4 As shown, the margin account establishment step S1 further includes:

[0113] Set the target merchant's public account and margin payment notes. The target merchant pays the margin to the public account according to the margin payment notes. The financial transaction system monitors the margin payment flow, sets the payment flow notes, compares the margin payment notes with the flow notes. If the comparison between the margin payment notes and the flow notes is successful, the margin amount accountBalance is recorded in the margin account; optionally, if the comparison between the margin payment notes and the flow notes is not successful, the financial transaction system monitors the payment failure flow, communicates with the target merchant and analyzes the reasons for the payment failure. If the reason for the payment failure is the margin payment note practice, the financial transaction system executes the margin payment process and continues to record the margin amount in the margin account;

[0114] Optionally, after setting the public account of the target merchant, the financial transaction system determines whether the target merchant has established a margin account. If the target merchant has not established a margin account, the financial transaction system automatically establishes a margin account for the target merchant according to a preset margin transaction mode;

[0115] Optionally, the public account includes an account ID field, a payment account number field, a payment account name field, and a margin payment remarks field; wherein the account ID is the margin account identifier associated with the record;

[0116] Set up a transaction details system, including transaction ID field, account ID field, transaction type field, transaction direction field, transaction amount field, transaction time field and transaction remarks field;

[0117] Set up a margin withdrawal application system, including the account ID field, withdrawal amount field, withdrawal reason field, other withdrawal element field, and approval element field;

[0118] Optionally, when a margin account is traded, transaction details will be generated. The categories of transaction details include:

[0119] (1) Payment transaction: When the target merchant makes a deposit payment, the payment amount is aggregated into the deposit account and a transaction detail is generated, with the type being payment.

[0120] (2) Withdrawal transaction: When the target merchant needs to withdraw margin for cooperation or capital turnover, the transaction details are generated after manual approval under the scenario that meets the risk coverage requirements, and the type is withdrawal;

[0121] (3) Margin account management: When the number of overdue days of a certain asset of the target merchant meets the requirements for disposal or freezing, transaction details such as disposal, freezing, and unfreezing of the margin amount will occur.

[0122] In order to effectively control risks and ensure that unnecessary losses will not be caused by excessive operations when handling overdue assets, it is helpful to make rational use of resources, thereby saving management costs and improving overall operational efficiency. The margin management method also includes:

[0123] Overdue asset control step S4: obtain the freezing days freezeDays and disposal days disposalDays corresponding to the target merchant rating, and obtain the overdue asset list in the credit system, determine the overdue days in the overdue asset list, and determine whether to perform a freezing operation or a disposal operation based on whether the overdue days are greater than or equal to the freezing days freezeDays and the disposal days disposalDays.

[0124] Combined with Figure 5 As shown, the overdue asset control step S4 further includes:

[0125] The freezing operation executes step S41: when the number of freezing days freezeDays is less than the number of overdue days and the number of overdue days is less than the number of disposal days disposalDays, and the overdue assets are not overdue, the frozen amount frozenAmount is calculated as the sum of the overdue principal and the overdue interest. When the frozen amount frozenAmount is less than the margin amount accountBalance, the freezing operation is executed; otherwise, the frozen amount frozenAmount is recorded as the amount to be frozen frozenAmountP;

[0126] The disposal operation executes step S42: when the number of disposal days disposalDays is less than the number of overdue days and the overdue assets have not been disposed of, the disposal amount disposalAmout is calculated as the sum of the overdue principal and the overdue interest. When the disposal amount disposalAmout is less than the margin amount, the disposal operation is executed; otherwise, the disposal amount disposalAmout is recorded as the amount to be disposed disposal disposalAmoutP.

[0127] Combined with Figure 6 As shown, according to the rating model of the target merchant, the freezing days freezeDays and the disposal days disposalDays are obtained. The credit system calculates the interest and switches the cycle by batch processing the transaction data, and then generates a list of overdue assets. By judging the overdue days in the overdue asset list, and judging whether to perform a freezing operation or a disposal operation according to whether the overdue days are greater than or equal to the freezing days freezeDays and the disposal days disposalDays, the available amount of the account useAmount is controlled. When the overdue assets are restored to normal assets, if there is a frozen amount in the margin account, the frozen amount will be unfrozen, and the available amount of the account useAmount will be unfrozen according to the corresponding frozen amount.

[0128] Combined with Figure 7 As shown, the merchant rating and margin amount of the rating model can affect the total remaining loan principal included in the target merchant's asset limit, and the disposal amount can be controlled by the overdue assets in the total remaining loan principal, thereby affecting the margin amount through the disposal amount.

[0129] The embodiment of the present invention can effectively control risks by comparing the sum of the overdue principal and the overdue interest with the margin amount during freezing operations and disposal operations. The operation is performed only if the overdue amount is less than the margin amount. This ensures to a certain extent that unnecessary losses will not be caused by excessive operations when handling overdue assets, helps to rationally utilize resources, thereby saving management costs and improving overall operational efficiency.

[0130] As attached Figure 8 As shown, the embodiment of the present invention further provides a margin management system, including:

[0131] Margin account establishment module 1: obtain the rating model of the target merchant in the financial transaction system, set the merchant rating and its leverage ratio leverageRatio in the rating model, and the financial transaction system establishes the margin account of the target merchant according to the preset margin transaction model, and initializes a principal balance of the remaining loan amount based on the transaction record of the target merchant in the credit system;

[0132] Margin account update module 2: monitors the loan application of the credit system and updates the principalBalance of the remaining loan principal amount according to the loadAmount of the loan application;

[0133] Credit limit control module 3: Calculate the principalBalanceMax upper limit of the total remaining principal amount of the loan according to the leverage ratio leverageRatio and the account available amount useAmount of the margin account, and control the loan execution operation of the credit system by judging the size of the principalBalance upper limit of the total remaining principal amount of the loan and the principalBalanceMax upper limit of the total remaining principal amount of the loan.

[0134] The quota control module 3 further includes:

[0135] Loan execution unit: When the calculated total remaining loan principal amount principalBalance is less than the upper limit of the total remaining loan principal amount principalBalanceMax, the credit system executes the loan operation;

[0136] Loan waiting unit: When the principalBalanceMax upper limit of the total remaining principal amount of the loan is less than the principalBalance, the credit system puts the loan application into the message queue, and dynamically monitors the changes of the principalBalance, and continues to judge the size of the principalBalance and the principalBalanceMax upper limit of the total remaining principal amount of the loan until the principalBalance is less than the principalBalanceMax upper limit of the total remaining principal amount of the loan.

[0137] Wherein, the margin account update module 2 further includes:

[0138] After executing the loan operation, the repayment application of the credit system is monitored according to the message queue. When the target merchant applies for repayment, the principalBalance of the remaining principal amount of the loan is updated according to the repayment amount repaymentAmount.

[0139] Among them, the margin account establishment module 1 further includes:

[0140] Set the target merchant's public account and margin payment notes. The target merchant pays the margin to the public account according to the margin payment notes. The financial transaction system monitors the margin payment flow and sets the payment flow notes. The margin payment notes are compared with the flow notes. If the comparison between the margin payment notes and the flow notes is successful, the margin amount accountBalance is recorded in the margin account.

[0141] Among them, the margin management system also includes:

[0142] Overdue asset control module: obtains the freezing days freezeDays and disposal days disposalDays corresponding to the target merchant rating, obtains the overdue asset list in the credit system, determines the overdue days in the overdue asset list, and determines whether to perform freezing or disposal operations based on whether the overdue days are greater than or equal to the freezing days freezeDays and disposal days disposalDays.

[0143] Among them, the overdue asset control module further includes:

[0144] Freeze operation execution unit: When the number of frozen days freezeDays is less than the number of overdue days and the number of overdue days is less than the number of disposal days disposalDays, and the overdue assets are not overdue, the frozen amount frozenAmount is calculated as the sum of the overdue principal and the overdue interest. When the frozen amount frozenAmount is less than the margin amount accountBalance, the freeze operation is executed. Otherwise, the frozen amount frozenAmount is recorded as the amount to be frozen frozenAmountP.

[0145] Disposal operation execution unit: When the number of disposal days disposalDays is less than the number of overdue days and the overdue assets have not been disposed of, the disposal amount disposalAmout is calculated as the sum of the overdue principal and the overdue interest. When the disposal amount disposalAmout is less than the deposit amount, the disposal operation is executed; otherwise, the disposal amount disposalAmout is recorded as the amount to be disposed disposal disposalAmoutP.

[0146] It should be noted that the above is a reference for a margin management method and system, and the present invention is not limited thereto.

[0147] The embodiments of the present invention realize the calculation of the upper limit of the total remaining principal amount of the loan through the merchant rating and the leverage ratio, the calculation of the total remaining principal amount of the loan according to the overdue assets, and the judgment of whether to execute the loan by judging the size of the total remaining principal amount of the loan and the upper limit of the total remaining principal amount of the loan, thereby improving the efficiency of margin management, helping to prevent errors in fund management, ensuring the accuracy and security of margin funds, reducing the default risk faced by the credit system, and solving the problem that the prior art is not strict enough in controlling the source of funds or the accuracy of the amount, and is prone to loopholes in fund management, and does not reflect the association mechanism between the margin account and the loan business. When it comes to combining with other financial businesses such as loans, it may not be possible to effectively conduct risk assessment and fund management, thereby lacking comprehensive consideration in the establishment and management of margin accounts, and when facing a complex financial market environment and changing merchant conditions, the overall risk control ability may be weak. Technical problems.

[0148] Finally, it should be noted that: the various embodiments in this specification are described in a progressive manner, and each embodiment focuses on the differences from other embodiments. The same or similar parts between the various embodiments can be referenced to each other.

[0149] The above embodiments are only used to illustrate the technical solution of the present invention rather than to limit it. Although the present invention has been described in detail with reference to the preferred embodiments, ordinary technicians in the field should understand that the specific implementation methods of the present invention can still be modified or some technical features can be replaced by equivalents without departing from the spirit of the technical solution of the present invention, which should be included in the scope of the technical solution for protection of the present invention.

Claims

1. A margin management method, characterized in that: The steps include: Margin account establishment step: obtaining a rating model of a target merchant in a financial transaction system, setting a merchant rating and a leverage ratio leverageRatio in the rating model, the financial transaction system establishing a margin account of the target merchant according to a preset margin transaction model, and initializing a principal balance of the remaining loan amount based on the transaction record of the target merchant in the credit system; Margin account update step: monitor the loan application of the credit system, and update the total remaining principal amount of the loan principalBalnce according to the loan application amount loanAmount; A credit limit control step: calculating the principalBalanceMax upper limit of the total remaining principal amount of the loan according to the leverage ratio leverageRatio and the account available amount useAmount of the margin account, and controlling the loan execution operation of the credit system by judging the size of the principalBalance of the total remaining principal amount of the loan and the principalBalanceMax upper limit of the total remaining principal amount of the loan.

2. The margin management method according to claim 1, characterized in that: The quota control step further includes: Loan execution step: when the calculated total remaining principal amount of the loan principalBalance is less than the upper limit of the total remaining principal amount of the loan principalBalanceMax, the credit system executes the loan operation; Loan waiting step: when the principalBalanceMax upper limit of the total remaining principal amount of the loan is less than the principalBalance, the credit system puts the loan application into the message queue, and dynamically monitors the changes of the principalBalance, and continues to judge the size of the principalBalance and the principalBalanceMax upper limit of the total remaining principal amount of the loan, until the principalBalance is less than the principalBalanceMax upper limit of the total remaining principal amount of the loan.

3. The margin management method according to claim 1, characterized in that: The available amount of the account, useAmount, is calculated based on the following calculation model: useAmount=accountBalance-frozenAmount-frozenAmountP-disposalAmoutP, Among them, accountBalance is the margin amount, frozenAmount is the frozen amount, frozenAmountP is the amount to be frozen, and disposalAmoutP is the amount to be disposed of.

4. The margin management method according to claim 3, characterized in that: The principalBalanceMax, the upper limit of the total remaining principal amount of the loan, is calculated based on the following calculation model: principalBalanceMax=useAmount / leverageRatio.

5. The margin management method according to claim 3, characterized in that: The margin account updating step further includes: After executing the loan operation, the repayment application of the credit system is monitored according to the message queue. When the target merchant applies for repayment, the principalBalance of the remaining principal amount of the loan is updated according to the repayment amount repaymentAmount.

6. The margin management method according to claim 1, characterized in that: The margin account establishment step further includes: The target merchant's public account and security deposit payment remarks are set, and the target merchant pays the security deposit to the public account according to the security deposit payment remarks. The financial transaction system monitors the security deposit payment flow, sets the payment flow remarks, and compares the security deposit payment remarks with the flow remarks. If the security deposit payment remarks are successfully compared with the flow remarks, the security deposit amount accountBalance is recorded in the security deposit account.

7. The margin management method according to any one of claims 1 to 6, characterized in that: Also includes: Overdue asset control step: obtain the freezing days freezeDays and disposal days disposalDays corresponding to the target merchant rating, and obtain the overdue asset list in the credit system, determine the overdue days in the overdue asset list, and determine whether to perform a freezing operation or a disposal operation based on whether the overdue days are greater than or equal to the freezing days freezeDays and the disposal days disposalDays.

8. The margin management method according to claim 7, characterized in that: The overdue asset control step further includes: Freezing operation execution steps: when the freezing days freezeDays are less than the overdue days and the overdue days are less than the disposal days disposalDays, and the overdue assets are not overdue, the frozen amount frozenAmount is calculated as the sum of the overdue principal and the overdue interest; when the frozen amount frozenAmount is less than the margin amount accountBalance, the freezing operation is performed; otherwise, the frozen amount frozenAmount is recorded as the amount to be frozen frozenAmountP.

9. The margin management method according to claim 7, characterized in that: The overdue asset control step further includes: Disposal operation execution steps: When the disposal days disposalDays is less than the overdue days and the overdue assets have not been disposed of, the disposal amount disposalAmout is calculated as the sum of the overdue principal and the overdue interest; when the disposal amount disposalAmout is less than the deposit amount, the disposal operation is performed; otherwise, the disposal amount disposalAmout is recorded as the amount to be disposed disposal disposalAmoutP.

10. A margin management system, characterized in that: include: Margin account establishment module: obtains the rating model of the target merchant in the financial transaction system, sets the merchant rating and its leverage ratio leverageRatio in the rating model, and the financial transaction system establishes the margin account of the target merchant according to the preset margin transaction mode, and initializes a principal balance of the remaining loan amount based on the transaction record of the target merchant in the credit system; A margin account update module monitors the loan application of the credit system and updates the principalBalance of the remaining principal amount of the loan according to the loan application amount loanAmount; A credit limit control module: calculates the principalBalanceMax upper limit of the total remaining principal amount of the loan according to the leverage ratio leverageRatio and the account available amount useAmount of the margin account, and controls the loan execution operation of the credit system by judging the size of the principalBalance of the total remaining principal amount of the loan and the principalBalanceMax upper limit of the total remaining principal amount of the loan.

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