Whole-process supervision method and system for guaranteeing pursuit compensation

Abstract

The embodiment of the invention provides a guarantee pursuit compensation full-process supervision method and system, and belongs to the field of risk supervision. The method comprises the following steps: in response to a compensation request, verifying the compensation request, executing compensation after the verification is passed, and executing compensation registration based on compensation information; basic information of a guaranteed party is collected, an initial tracing scheme is generated based on the basic information, and a tracing request is generated based on the compensation registration information; establishing a connection with a guaranteed party based on the tracing request, and executing interaction with the guaranteed party based on the initial tracing scheme so as to correct the initial tracing scheme and obtain a to-be-executed tracing scheme; the to-be-executed tracing scheme is decomposed, a payment plan of the guaranteed party is obtained, supervision of the guaranteed party is executed based on the payment plan of the guaranteed party, and corresponding alarm information is generated when abnormal payment is triggered. According to the scheme, the compensation and tracing risks are reduced, and the credit risk is effectively controlled.

Description

Technical Field

[0001] The present invention relates to the technical field of risk supervision, and in particular to a full-process supervision method for guarantee pursuit and compensation and a full-process supervision system for guarantee pursuit and compensation. Background Art

[0002] The existing management of secured debt compensation and recovery business mainly focuses on the filing and post-filing of compensation and recovery business, which has obvious shortcomings. Specifically, the current system cannot achieve interconnection between the guarantor and the secured party, resulting in redundant user operations when handling secured debt compensation and recovery within the group, increasing operational complexity and time costs. In addition, the existing system lacks comprehensive monitoring and management means for the business before, during and after the event, and cannot effectively control credit risks.

[0003] In terms of pre-management, existing technologies cannot achieve pre-verification and monitoring of guarantee compensation requests, and cannot review the legitimacy and relevance of requests before compensation occurs, thereby increasing compensation risks. In addition, in the planning of the recovery link after compensation, the existing system lacks an effective interaction mechanism, which makes the recovery plan often inflexible and difficult to dynamically adjust according to actual conditions. The existing guarantee management lacks detailed decomposition and tracking of the repayment plan, and fails to effectively supervise and control the payment behavior of the guaranteed party. Therefore, during the repayment process of the guaranteed party, once abnormal situations such as payment delays and insufficient amounts occur, the system cannot promptly warn and take corresponding corrective measures. This not only increases the difficulty of recovery for the guarantor, but also increases the overall credit risk of the group. When dealing with compensation and recovery, the existing technology fails to achieve online management of the entire process from compensation initiation to recovery collection. There is a lack of real-time interaction and negotiation methods, and it fails to make multiple rounds of corrections and dynamic adjustments for changes that may occur during the recovery process. This limitation leads to low efficiency of compensation and recovery, and increases the operating costs and financial risks of the guarantor.

[0004] Therefore, how to achieve online management of the entire process of guarantee compensation and recovery, connect the interaction between the guarantor and the guaranteed party, reduce redundant operations, and conduct comprehensive monitoring of the entire process before, during and after the event to achieve effective control of credit risks has become an urgent problem to be solved by existing technologies. Summary of the invention

[0005] The purpose of the implementation mode of the present invention is to provide a method and system for supervising the entire process of guarantee recovery and compensation, so as to at least solve the problem of insufficient supervision in the existing guarantee recovery and compensation supervision scheme.

[0006] In order to achieve the above-mentioned purpose, the first aspect of the present invention provides a method for supervising the whole process of guarantee pursuit and compensation, which is applied to the supervision of the whole process of guarantee pursuit and compensation between the guarantor and the secured party within the group. The method is executed by the guarantor, and the method includes: responding to a compensation request, verifying the compensation request, executing compensation after the verification, and performing compensation registration based on the compensation information; collecting basic information of the secured party, generating an initial pursuit plan based on the basic information, and generating a pursuit request based on the compensation registration information; establishing a connection with the secured party based on the pursuit request, and interacting with the secured party based on the initial pursuit plan to modify the initial pursuit plan and obtain a pursuit plan to be executed; decomposing the pursuit plan to be executed to obtain the payment plan of the secured party, and supervising the secured party based on the payment plan of the secured party, and generating corresponding alarm information when abnormal payment is triggered.

[0007] Optionally, the verification of the compensation request includes: identifying the device identity authentication information of the request initiator based on the compensation request, and judging whether the initiating device corresponding to the compensation request is in a pre-built legal device library based on the device identity authentication information; if not, rejecting the compensation request; if so, performing user identity authentication on the secured party initiating the compensation request based on the compensation request; judging whether there is a pre-signed compensation business contract with the current secured party based on the user identity authentication result; if so, the verification is passed, otherwise, the verification fails and the compensation request is rejected.

[0008] Optionally, the execution of compensation registration based on the compensation information includes: initiating a compensation registration form based on the compensation information, and performing a content review on the compensation registration form; after the content review is passed, sending the compensation registration form to the corresponding secured party for verification by the secured party, and collecting the verification result of the secured party; if the verification result is agreement, executing the compensation level based on the compensation registration form; if the verification result is disagreement, collecting the marked information of the secured party, performing correction and / or review of the compensation registration form based on the marked information, and resending it to the secured party for verification based on the correction and / or review results, until the verification result is agreement.

[0009] Optionally, generating an initial recovery plan based on the basic information includes: identifying the repayment target and repayment capacity information of the secured party based on the basic information; generating the repayment period of the secured party based on the repayment target and the repayment capacity information; and generating corresponding collection plan information based on the repayment period of the secured party as an initial recovery plan.

[0010] Optionally, the basic information includes: identity information, financial data information, credit score information and historical repayment record information; generating the repayment period of the secured party based on the repayment target and the repayment ability information, including: determining the repayment amount and term requirements of the secured party based on the basic information as the repayment target; obtaining the repayment ability information of the secured party based on the basic information and a pre-trained repayment ability assessment model; using the repayment target and repayment ability information of the secured party as basic constraints, obtaining the shortest repayment period that meets the constraints, as the repayment period of the secured party.

[0011] Optionally, establishing a connection with the secured party based on the recovery request, and performing interaction with the secured party based on the initial recovery plan to modify the initial recovery plan and obtain a recovery plan to be executed, including: initiating a notification to the secured party based on the generated recovery request to establish an interactive connection with the secured party through a secure communication channel; sending the initial recovery plan to the secured party through the secure communication channel for the secured party to confirm or negotiate; if the secured party feeds back negotiation information, generating corresponding negotiation information based on the fed-back negotiation information, performing multiple rounds of interaction based on the negotiation information and the negotiation information, and modifying the recovery plan based on the results of each round of interaction, until a recovery plan agreed upon by both the guarantor and the secured party is obtained as the recovery plan to be executed.

[0012] Optionally, the pending recovery scheme is decomposed to obtain the payment plan of the secured party, and supervision of the secured party is performed based on the payment plan of the secured party, and corresponding alarm information is generated when abnormal payment is triggered, including: generating a detailed payment plan of the secured party based on the pending recovery scheme; wherein the payment plan includes: any one or more of payment time, payment amount and payment method; supervision of the secured party is performed based on the payment plan of the secured party, and corresponding alarm information is generated when abnormal payment is triggered.

[0013] Optionally, the secured party supervision is performed based on the secured party's payment plan, and corresponding alarm information is generated when an abnormal payment is triggered, including: setting payment monitoring parameters based on the secured party's payment plan; wherein the payment monitoring parameters include: any one or more of payment time node, payment amount and payment method; real-time monitoring of the secured party's payment behavior, and when it is detected that any payment monitoring parameter in the payment plan deviates from the corresponding preset value, a corresponding early warning mechanism is triggered; based on the early warning mechanism, abnormal payment alarm information is generated, and the alarm information is sent to the guarantor; after the abnormal payment alarm information appears, a risk reassessment of the secured party is performed, and the recourse plan to be executed is dynamically adjusted based on the reassessment results.

[0014] The second aspect of the present invention provides a full-process supervision system for guarantee pursuit and compensation, which is applied to the full-process supervision of guarantee pursuit and compensation between the guarantor and the secured party within the group. The full-process supervision system for guarantee pursuit and compensation includes the guarantor and the secured party. The guarantor includes: a registration unit, which is used to respond to a compensation request, verify the compensation request, and execute compensation after the verification is passed, and execute compensation registration based on the compensation information; a collection unit, which is used to collect basic information of the secured party, generate an initial pursuit plan based on the basic information, and generate a pursuit request based on the compensation registration information; a plan generation unit, which is used to establish a connection with the secured party based on the pursuit request, and interact with the secured party based on the initial pursuit plan to modify the initial pursuit plan and obtain a pursuit plan to be executed; a supervision unit, which is used to decompose the pursuit plan to be executed, obtain the payment plan of the secured party, and execute supervision of the secured party based on the payment plan of the secured party, and generate corresponding alarm information when abnormal payment is triggered.

[0015] On the other hand, the present invention provides a computer-readable storage medium, which stores instructions, which when executed on a computer enable the computer to execute the above-mentioned full-process supervision method for guarantee pursuit and compensation.

[0016] Through the above technical scheme, the scheme of the present invention can realize the online management of the whole process of guarantee compensation and recovery business. First, the compensation request is verified to ensure the legality and rationality of the compensation operation. After the compensation, the system collects the basic information of the secured party, generates a preliminary recovery plan and establishes interaction with the secured party. The plan is revised during the interaction to ensure the flexibility and operability of the recovery plan. Subsequently, the recovery plan is decomposed, a specific repayment plan is formulated, and the repayment progress of the secured party is monitored in real time. When an abnormal payment occurs, the system can issue early warning information in a timely manner, thereby realizing comprehensive monitoring before, during and after the event, reducing the risks of compensation and recovery, and effectively controlling credit risks.

[0017] Other features and advantages of the embodiments of the present invention will be described in detail in the following detailed description. BRIEF DESCRIPTION OF THE DRAWINGS

[0018] The accompanying drawings are used to provide a further understanding of the embodiments of the present invention and constitute a part of the specification. Together with the following specific embodiments, they are used to explain the embodiments of the present invention, but do not constitute a limitation on the embodiments of the present invention. In the accompanying drawings:

[0019] Figure 1 It is a flowchart of the steps of a method for supervising the entire process of guarantee recourse and compensation provided by an embodiment of the present invention;

[0020] Figure 2It is a system structure diagram of a full-process supervision system for guarantee pursuit and compensation provided by an implementation mode of the present invention. DETAILED DESCRIPTION

[0021] The specific implementation of the present invention is described in detail below in conjunction with the accompanying drawings. It should be understood that the specific implementation described here is only used to illustrate and explain the present invention, and is not used to limit the present invention.

[0022] Figure 1 This is a method flow chart of a method for supervising the entire process of guarantee recourse and compensation provided by an embodiment of the present invention. Figure 1 As shown, an embodiment of the present invention provides a method for supervising the entire process of guarantee recourse and compensation, the method comprising:

[0023] Step S10: In response to the compensation request, verify the compensation request, perform compensation after the verification is passed, and perform compensation registration based on the compensation information.

[0024] Specifically, the verification of the compensation request includes: identifying the device identity authentication information of the request initiator based on the compensation request, and judging whether the initiating device corresponding to the compensation request is in a pre-built legal device library based on the device identity authentication information; if not, rejecting the compensation request; if so, performing user identity authentication on the secured party initiating the compensation request based on the compensation request; judging whether there is a pre-signed compensation business contract with the current secured party based on the user identity authentication result; if so, the verification is passed, otherwise, the verification fails and the compensation request is rejected.

[0025] In the embodiment of the present invention, during the verification process of the compensation request, it is first necessary to verify the identity of the device initiating the request to ensure that the compensation request comes from a trusted device. This verification step is completed by identifying the device identity verification information contained in the compensation request. The extracted device identity verification information is compared with the pre-built legal device library. If the device initiating the compensation request is not in the legal device library, the compensation request is immediately rejected. This process ensures the security of the request, prevents malicious compensation operations from unauthorized devices, and reduces the credit risk caused by tampering or counterfeiting of the device.

[0026] If the initiating device passes the identity authentication, the user identity authentication of the secured party who initiated the compensation request is further performed. User identity authentication is based on the identity information contained in the request, and confirms the authenticity and legitimacy of the requester through various methods (such as biometrics, password verification, etc.). The verification result is compared with the pre-stored compensation business contract to determine whether the secured party has a valid compensation business contract relationship with the guarantor. If the contract relationship exists, the verification is passed, indicating that the secured party has the right and qualifications to initiate this compensation request. Otherwise, the compensation request will be rejected to prevent invalid or fraudulent compensation operations.

[0027] Through the above-mentioned multiple verification mechanisms, the present invention effectively improves the security and reliability of the compensation request processing process. First, device identity verification ensures that the initiator of the request is credible, preventing compensation requests from unauthorized devices from a hardware level. Secondly, user identity verification and verification of contractual relationships further ensure the legitimacy of business requests and avoid the execution of false or invalid requests. This layer-by-layer verification process significantly reduces the operational risks caused by the illegality or irrationality of compensation requests, and protects the interests of the guarantor and the guaranteed party.

[0028] Furthermore, the execution of compensation registration based on the compensation information includes: initiating a compensation registration form based on the compensation information, and performing a content review on the compensation registration form; after the content review is passed, sending the compensation registration form to the corresponding secured party for verification by the secured party, and collecting the verification result of the secured party; if the verification result is agreement, executing the compensation level based on the compensation registration form; if the verification result is disagreement, collecting the marked information of the secured party, performing correction and / or review of the compensation registration form based on the marked information, and resending it to the secured party for verification based on the correction and / or review results, until the verification result is agreement.

[0029] In the implementation of the present invention, the compensation registration form is the core document in the entire compensation business process, recording the specific details of the compensation, such as the compensation amount, compensation date, basic information of the guarantor and the guaranteed party, etc. After the compensation registration form is initiated, the content of the registration form is reviewed to ensure the accuracy and completeness of the compensation information. The content review is a comprehensive review of the compensation registration information, the purpose of which is to prevent errors or omissions in data entry, thereby ensuring the smooth progress of the compensation business.

[0030] After the content is reviewed and approved, the compensation registration form will be sent to the corresponding guarantor for verification. The verification process of the guarantor is crucial because it ensures that both parties agree on the compensation information. After the guarantor has verified it, the verification result of the compensation registration form will be collected. If the verification result is "agree", it means that the guarantor has confirmed the accuracy of the registration information and will perform the final compensation registration operation according to the compensation registration form, thus formally completing the compensation process.

[0031] If the guarantor disagrees with the verification result, the marked information provided by the guarantor will be collected. This marked information may include parts that the guarantor believes are problematic, such as inconsistent amounts, missing information, etc. Based on this marked information, the compensation registration form will be revised and / or reviewed to ensure that the compensation information is consistent with the actual situation of the guarantor. After the revision and review are completed, the compensation registration form will be sent to the guarantor for verification again. This process will continue until the guarantor agrees with the verification result. This two-way confirmation mechanism ensures the accuracy of the compensation information and reduces compensation disputes caused by inconsistent information.

[0032] Based on the solution of the present invention, the accuracy of the compensation information and the unanimous recognition of both parties are ensured through multiple steps such as initiation, review, verification, and correction. First, the content review link effectively reduces errors in the entry of compensation information and ensures the reliability of the compensation business. Secondly, the multi-round interactive mechanism of verification and correction ensures that the guaranteed party fully understands and recognizes the compensation information and avoids the risks brought by information asymmetry. In addition, it can be dynamically corrected based on the marked information of the guaranteed party, which reflects the flexibility and adaptability of the process and can effectively respond to the compensation business needs in different scenarios. This full-process, fully closed-loop management method greatly improves the transparency and accuracy of the compensation business, reduces operational risks, and provides a safer and more reliable guarantee for the cooperation between the guarantor and the guaranteed party.

[0033] Step S20: Collect basic information of the secured party, generate an initial recovery plan based on the basic information, and generate a recovery request based on the compensation registration information.

[0034] Specifically, the basic information includes: identity information, financial data information, credit score information and historical repayment record information; generating the repayment period of the secured party based on the repayment target and the repayment ability information, including: determining the repayment amount and term requirements of the secured party based on the basic information as the repayment target; obtaining the repayment ability information of the secured party based on the basic information and a pre-trained repayment ability assessment model; using the repayment target and repayment ability information of the secured party as basic constraints, obtaining the shortest repayment period that meets the constraints, as the repayment period of the secured party.

[0035] The generating of the initial recovery plan based on the basic information includes: identifying the repayment target and repayment capacity information of the secured party based on the basic information; generating the repayment period of the secured party based on the repayment target and the repayment capacity information; and generating corresponding collection plan information based on the repayment period of the secured party as the initial recovery plan.

[0036] In an embodiment of the present invention, the repayment target and term requirements of the secured party are determined based on its basic information, which serves as an important basis for generating a repayment cycle. The repayment target is determined mainly based on the financial status and historical repayment performance. These factors jointly determine the repayment amount and term that the secured party can bear. After the repayment target is determined, the repayment ability of the secured party is further evaluated using a pre-trained repayment ability assessment model. The model is trained through a machine learning algorithm and can comprehensively consider multiple factors such as financial data, credit scores, and historical repayment records to derive the repayment ability information of the secured party. This evaluation process not only takes into account static financial data, but also combines dynamically changing factors such as credit scores, making the evaluation results more scientific and accurate.

[0037] After obtaining the repayment target and repayment capacity information, the two are used as basic constraints to determine the shortest repayment period that meets the constraints as the repayment period of the guarantor. Specifically, it is necessary to formulate the shortest reasonable repayment period under the premise of ensuring the normal operation of the guarantor to ensure that the guarantor can recover the compensation as soon as possible, thereby reducing the risk of capital occupation. The reasonable formulation of the repayment period is the basis for the effective implementation of the repayment plan, which helps to reduce the repayment pressure of the guarantor and ensure the financial security of the guarantor.

[0038] After the repayment cycle is generated, the corresponding collection plan information is further generated based on it to form an initial recovery plan. The recovery plan includes clear repayment nodes and amounts to ensure that the recovery process after compensation is operational and traceable. Through a comprehensive analysis of the basic information of the guaranteed party, a repayment cycle and collection plan that highly matches the actual situation of the guaranteed party can be formulated, reducing the risks that may arise due to information asymmetry during the recovery process.

[0039] Based on the scheme of the present invention, by comprehensively collecting and analyzing the basic information of the guarantor, its repayment ability can be accurately assessed, so as to formulate a repayment cycle and recovery plan that meets its actual situation. First, by using the pre-trained repayment ability assessment model, the actual repayment ability of the guarantor can be more accurately reflected, making the formulation of the repayment plan more scientific and reasonable. Secondly, through the comprehensive analysis of the repayment target and repayment ability, the formulated repayment cycle can not only guarantee the interests of the guarantor, but also will not form too much repayment pressure on the guarantor, thereby improving the stability and feasibility of the entire compensation recovery process. In addition, when generating the initial recovery plan, the clear collection plan information makes the entire recovery process more transparent and controllable, and the guarantor can monitor the repayment progress in real time, and promptly discover and respond to potential repayment risks. This full-process intelligent management method not only improves the efficiency of recovery, but also effectively reduces the operational risks caused by information asymmetry or poor communication, and provides safer and more reliable protection for the guarantor and the guarantor.

[0040] Step S30: establishing a connection with the secured party based on the recovery request, and performing interaction with the secured party based on the initial recovery plan to modify the initial recovery plan and obtain a recovery plan to be executed.

[0041] Specifically, based on the generated recovery request, a notification is initiated to the secured party to establish an interactive connection with the secured party through a secure communication channel; the initial recovery plan is sent to the secured party through the secure communication channel for the secured party to confirm or negotiate; if the secured party feeds back negotiation information, corresponding negotiation information is generated based on the fed-back negotiation information, multiple rounds of interaction are performed based on the negotiation information and the negotiation information, and the recovery plan is revised based on the results of each round of interaction until a recovery plan agreed upon by both the guarantor and the secured party is obtained as the recovery plan to be executed.

[0042] In the embodiment of the present invention, in the compensation recovery process, establishing an effective interactive connection with the secured party based on the recovery request is one of the key steps to ensure that both parties reach an agreement on the recovery plan and finally execute it. After receiving the recovery request, a notification is first sent to the secured party through a secure communication channel to establish a reliable interactive connection. The establishment of this connection not only ensures the security of information transmission, but also provides a stable technical foundation for subsequent multiple rounds of interaction and negotiation. Through this secure communication channel, the initial recovery plan is sent to the secured party for confirmation or negotiation opinions.

[0043] After receiving the initial recovery plan, the secured party can confirm the content of the plan or propose amendments. In order to ensure that the recovery plan can meet the needs of both parties to the greatest extent, multiple rounds of interaction and negotiation between the two parties are supported. If the secured party proposes negotiation opinions, corresponding negotiation information will be generated based on the secured party's feedback, and multiple rounds of interaction will be performed based on these negotiation information and negotiation opinions. This multi-round interaction process ensures that both parties can revise the initial recovery plan on the basis of full communication to make it more in line with the actual situation, and finally reach a recovery plan acceptable to both parties.

[0044] In multiple rounds of interaction, the recovery plan is revised accordingly according to the results of each round of interaction. After each revision, the new recovery plan will be sent to the secured party again through a secure communication channel for confirmation. This gradual revision process ensures the gradual improvement of the recovery plan, making the plan not only legally effective, but also recognized by both the secured party and the guarantor. After both parties reach an agreement on the plan, the revised recovery plan is determined as the recovery plan to be executed and officially enters the execution stage.

[0045] Based on the scheme of the present invention, dynamic adjustment of the recovery scheme is achieved to ensure the rationality and operability of the scheme. First, by establishing a secure communication connection with the secured party, data security and reliability of information transmission during the recovery process are guaranteed, avoiding the risk of information leakage or tampering. Secondly, the mechanism of multiple rounds of interaction and negotiation ensures the flexibility and adaptability of the recovery scheme. The secured party can propose modification opinions based on various factors such as its own financial situation and repayment ability, and the guarantor can make corresponding adjustments based on these feedbacks. The two parties reach a consensus in the interaction, thereby ensuring that the recovery scheme not only meets the recovery needs of the guarantor, but also does not put too much pressure on the secured party.

[0046] In addition, this multi-round interactive mechanism embodies a humanized design, which helps to reduce the repayment pressure of the secured party and reduce the risks that may arise during the execution of the recovery plan. Through this process of negotiation and revision, the interests of the guarantor and the secured party can be better balanced, and the relationship between the two parties can be maintained and consolidated, thereby reducing disputes and frictions in future recovery. At the same time, this ability to dynamically adjust the recovery plan also enables flexible response when facing complex and changing real situations, improving the efficiency and success rate of the entire recovery process. The determination of the recovery plan to be executed marks the official entry of the recovery process into the execution stage. This plan has not only undergone multiple rounds of revisions and negotiations, but has also been recognized by both parties, and has higher execution feasibility and legal effect. Overall, through secure communication, dynamic interaction and multiple rounds of revision, closed-loop management from the initiation of the recovery request to the determination of the plan is achieved, ensuring that the recovery process is transparent, reasonable and safe, effectively controlling risks, and improving the success rate of recovery, providing important technical support for the smooth progress of the guarantee business.

[0047] Step S40: Decomposing the recovery plan to be executed, obtaining the payment plan of the secured party, and performing the secured party supervision based on the secured party's payment plan, and generating corresponding alarm information when abnormal payment is triggered.

[0048] Specifically, a detailed payment plan of the secured party is generated based on the recovery plan to be executed; wherein the payment plan includes: any one or more of payment time, payment amount and payment method; supervision of the secured party is performed based on the secured party's payment plan, and corresponding alarm information is generated when abnormal payment is triggered.

[0049] Furthermore, the secured party supervision is performed based on the secured party's payment plan, and corresponding alarm information is generated when abnormal payment is triggered, including: setting payment monitoring parameters based on the secured party's payment plan; wherein the payment monitoring parameters include: any one or more of payment time node, payment amount and payment method; real-time monitoring of the secured party's payment behavior, and when it is detected that any payment monitoring parameter in the payment plan deviates from the corresponding preset value, a corresponding early warning mechanism is triggered; based on the early warning mechanism, abnormal payment alarm information is generated, and the alarm information is sent to the guarantor; after the abnormal payment alarm information appears, a risk reassessment of the secured party is performed, and the recourse plan to be executed is dynamically adjusted based on the reassessment result.

[0050] Based on the pending recovery plan, a detailed payment plan for the secured party is generated. The payment plan includes key information such as payment time, payment amount and payment method, ensuring that the repayment of the compensation payment has a clear time node and method, so as to facilitate accurate management and monitoring of the secured party's payment behavior.

[0051] After the payment plan is generated, the repayment behavior of the guarantor is continuously monitored. During the execution of the payment plan, each repayment of the guarantor is monitored in real time by setting payment monitoring parameters. Payment monitoring parameters include payment time nodes, payment amounts, payment methods and other dimensions. When the actual payment behavior of the guarantor deviates from the preset payment plan, such as insufficient payment amount, delayed payment time or inconsistent payment methods, the corresponding early warning mechanism is immediately triggered and abnormal payment alarm information is generated. The alarm information will then be sent to the guarantor to remind it of the risk situation so that the guarantor can take timely measures to deal with it.

[0052] When an abnormal payment alarm is detected, the next step is to reassess the risk of the secured party. The purpose of the reassessment is to determine the cause of the abnormal payment and the subsequent risks it may bring, so as to formulate appropriate response strategies. During the risk assessment process, various factors are considered, such as the current financial situation of the secured party, changes in the market environment, etc., so as to re-analyze and evaluate its repayment ability. Based on the results of the reassessment, the recovery plan to be executed will be dynamically adjusted to ensure the rationality and operability of the recovery. For example, if the repayment ability of the secured party decreases, the payment cycle may be appropriately extended or the single payment amount may be reduced to reduce the repayment pressure of the secured party, while ensuring the continuity and stability of the recovery process.

[0053] The technical effect of this technical solution of breaking down payment plans and conducting real-time supervision is reflected in many aspects:

[0054] 1) Supervise the repayment behavior of the guarantor based on a detailed payment plan to ensure the compliance and transparency of each repayment operation. By real-time monitoring of payment behavior, abnormal payment situations can be discovered and identified at the first time, and the early warning mechanism can be triggered in time, thereby greatly reducing the risks that may arise during the recovery process. The guarantor can quickly take corresponding measures based on the alarm information, such as communicating with the guarantor or taking legal measures to avoid losses caused by abnormal payments.

[0055] 2) The process of risk reassessment and dynamic adjustment of the plan reflects flexibility and adaptability. By reassessing the risks of the guarantor, the recovery plan can be adjusted according to the actual situation to ensure that the recovery strategy always meets the repayment ability of the guarantor and changes in the market environment. This not only improves the execution effect of the recovery plan, but also reduces the conflicts and disputes that may arise from the implementation of unfeasible or overly strict recovery plans.

[0056] 3) This dynamic adjustment mechanism helps maintain a good cooperative relationship between the guarantor and the secured party. In the process of recovery, appropriate flexibility can effectively reduce the repayment pressure of the secured party and reduce the friction caused by insufficient repayment ability, thereby enhancing the trust relationship between the two parties. This technical means improves the overall success rate of the recovery business, making recovery not just a one-way debt recovery process, but a negotiation and execution process that comprehensively considers the actual situation of the secured party, providing a safer, more reliable and efficient technical guarantee for guarantee management.

[0057] Figure 2 This is a system structure diagram of the full-process supervision system for guarantee recourse and compensation provided by an embodiment of the present invention. Figure 2 As shown, an embodiment of the present invention provides a full-process supervision system for guarantee recovery and compensation, and the system includes: a registration unit, which is used to respond to a compensation request, verify the compensation request, execute compensation after the verification, and execute compensation registration based on the compensation information; a collection unit, which is used to collect basic information of the secured party, generate an initial recovery plan based on the basic information, and generate a recovery request based on the compensation registration information; a plan generation unit, which is used to establish a connection with the secured party based on the recovery request, and interact with the secured party based on the initial recovery plan to modify the initial recovery plan and obtain a recovery plan to be executed; a supervision unit, which is used to decompose the recovery plan to be executed, obtain the payment plan of the secured party, and execute supervision of the secured party based on the payment plan of the secured party, and generate corresponding alarm information when abnormal payment is triggered.

[0058] An embodiment of the present invention also provides a computer-readable storage medium, which stores instructions, and when the instructions are executed on a computer, the computer executes the above-mentioned full-process supervision method for guarantee pursuit and compensation.

[0059] Those skilled in the art will understand that all or part of the steps in the method for implementing the above-mentioned embodiments can be completed by instructing the relevant hardware through a program, and the program is stored in a storage medium, including several instructions for making a single-chip microcomputer, a chip or a processor (processor) perform all or part of the steps of the method described in each embodiment of the present invention. The aforementioned storage medium includes: U disk, mobile hard disk, read-only memory (ROM, Read-Only Memory), random access memory (RAM, Random Access Memory), disk or optical disk and other media that can store program codes.

[0060] The optional embodiments of the present invention are described in detail above in conjunction with the accompanying drawings. However, the embodiments of the present invention are not limited to the specific details in the above embodiments. Within the technical concept of the embodiments of the present invention, the technical scheme of the embodiments of the present invention can be subjected to a variety of simple modifications, and these simple modifications all belong to the protection scope of the embodiments of the present invention. It should also be noted that the various specific technical features described in the above specific embodiments can be combined in any suitable manner without contradiction. In order to avoid unnecessary repetition, the embodiments of the present invention will not further describe various possible combinations.

[0061] In addition, various embodiments of the present invention may be arbitrarily combined, and as long as they do not violate the concept of the embodiments of the present invention, they should also be regarded as the contents disclosed in the embodiments of the present invention.

Claims

1. A method for supervising the entire process of guarantee recourse and compensation, which is applied to the supervision of the entire process of guarantee recourse and compensation between the guarantor and the guaranteed party within the group, and is characterized by: The method is performed by a guarantor, and comprises: In response to a compensation request, verify the compensation request, perform compensation after the verification is passed, and perform compensation registration based on the compensation information; Collect basic information of the secured party, generate an initial recovery plan based on the basic information, and generate a recovery request based on the compensation registration information; Establishing a connection with the secured party based on the recovery request, and interacting with the secured party based on the initial recovery plan to modify the initial recovery plan and obtain a recovery plan to be executed; The recovery plan to be executed is decomposed to obtain the payment plan of the secured party, and the secured party supervision is performed based on the payment plan of the secured party, and corresponding alarm information is generated when abnormal payment is triggered.

2. The method according to claim 1, characterized in that The verifying the compensation request includes: Identify device identity authentication information of the initiator of the compensation request based on the compensation request, and determine whether the initiator device of the corresponding compensation request is in a pre-built legal device library based on the device identity authentication information; If it does not exist, the compensation request will be rejected; If so, the secured party initiating the compensation request will be authenticated based on the compensation request; Based on the user identity verification result, determine whether there is a pre-signed compensation business contract with the current guaranteed party. If so, the verification is successful. Otherwise, the verification fails and the compensation request is rejected.

3. The method according to claim 1, characterized in that The performing of compensation registration based on the compensation information includes: Initiate a compensation registration form based on the compensation information, and perform content review on the compensation registration form; After the content is reviewed and approved, the compensation registration form will be sent to the corresponding secured party for verification, and the verification result will be collected from the secured party; If the verification result is approval, the compensation level will be implemented based on the compensation registration form; If the verification result is disapproval, the marking information of the secured party is recovered, and the compensation registration form is corrected and / or reviewed based on the marking information, and is resent to the secured party for verification based on the correction and / or review results until the verification result is approval.

4. The method according to claim 1, characterized in that: The generating an initial recovery plan based on the basic information includes: Identify the repayment target and repayment ability information of the secured party based on the basic information; generating a repayment period of the secured party based on the repayment target and the repayment ability information; Generate corresponding collection plan information based on the repayment period of the secured party as the initial recovery plan.

5. The method according to claim 4, characterized in that The basic information includes: Identity information, financial data information, credit score information and historical repayment record information; Generating a repayment cycle of the secured party based on the repayment target and the repayment capacity information includes: Determine the repayment amount and term requirements of the secured party based on the basic information as the repayment target; Obtaining the repayment ability information of the secured party based on the basic information and the pre-trained repayment ability assessment model; The repayment target and repayment ability information of the secured party are used as basic constraints, and the shortest repayment period that satisfies the constraints is obtained as the repayment period of the secured party.

6. The method according to claim 1, characterized in that The establishing of a connection with the secured party based on the recovery request, and performing interaction with the secured party based on the initial recovery plan to modify the initial recovery plan and obtain a recovery plan to be executed, includes: Based on the generated recovery request, a notification is initiated to the secured party to establish an interactive connection with the secured party through a secure communication channel; Sending the initial recovery plan to the secured party through a secure communication channel for confirmation or negotiation by the secured party; If the secured party feeds back negotiation information, corresponding negotiation information is generated based on the fed-back negotiation information, multiple rounds of interaction are performed based on the negotiation information and the negotiation information, and the recovery plan is revised based on the results of each round of interaction until a recovery plan agreed upon by both the guarantor and the secured party is obtained as the recovery plan to be executed.

7. The method according to claim 1, characterized in that Decompose the recovery plan to be executed, obtain the payment plan of the secured party, and perform the secured party supervision based on the secured party's payment plan, and generate corresponding alarm information when abnormal payment is triggered, including: Generate a detailed payment plan for the secured party based on the recovery plan to be executed; wherein the payment plan includes: Any one or more of the payment time, payment amount and payment method; The secured party supervision is performed based on the secured party's payment plan, and corresponding alarm information is generated when abnormal payment is triggered.

8. The method according to claim 7, characterized in that The secured party supervision is performed based on the secured party's payment plan, and corresponding alarm information is generated when an abnormal payment is triggered, including: Payment monitoring parameters are set based on the secured party's payment plan; wherein the payment monitoring parameters include: Any one or more of the payment time node, payment amount and payment method; Real-time monitoring of the payment behavior of the secured party. When it is detected that any payment monitoring parameter in the payment plan deviates from the corresponding preset value, the corresponding early warning mechanism is triggered; Generate abnormal payment alarm information based on the early warning mechanism and send the alarm information to the guarantor; After an abnormal payment alarm message appears, a risk reassessment of the secured party is carried out, and the execution and recovery plan is dynamically adjusted based on the reassessment results.

9. A full-process supervision system for guarantee recourse and compensation, which is applied to the full-process supervision of guarantee recourse and compensation between the guarantor and the guaranteed party within the group, and is characterized by: The guarantee recourse and compensation full-process supervision system includes the guarantor and the secured party, and the guarantor includes: a registration unit, configured to verify the compensation request in response to the compensation request, perform compensation after the verification is passed, and perform compensation registration based on the compensation information; A collection unit, used to collect basic information of the secured party, generate an initial recovery plan based on the basic information, and generate a recovery request based on the compensation registration information; A scheme generating unit, configured to establish a connection with the secured party based on the recovery request, and to interact with the secured party based on the initial recovery scheme to modify the initial recovery scheme and obtain a recovery scheme to be executed; The supervision unit is used to decompose the recovery plan to be executed, obtain the payment plan of the secured party, and perform supervision on the secured party based on the payment plan of the secured party, and generate corresponding alarm information when abnormal payment is triggered.

10. A computer-readable storage medium, characterized in that: The computer-readable storage medium stores instructions, which, when executed on a computer, enable the computer to execute the full-process supervision method for guarantee claim and compensation as described in any one of claims 1-8.

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