Cyclic loan and non-cyclic loan conversion processing method and device

Abstract

The invention discloses a cyclic loan and non-cyclic loan conversion processing method and device, and relates to the technical field of finance, and the method comprises the steps: obtaining a loan limit critical value of a customer according to the personal credit data of the customer and a preset loan limit critical value calculation model; the loan quota critical value calculation model is used for determining a loan quota critical value by using different types of personal data based on machine learning; determining cyclic loan and non-cyclic loan conversion suggestion information according to the current loan remaining loan limit and the loan limit critical value; pushing the suggestion information to a client terminal; receiving an instruction which is fed back by the client terminal and is used for determining conversion between cyclic loan and non-cyclic loan, and changing loan attributes of the client according to the instruction; according to the changed loan attribute, loan repayment information of the customer is generated; and pushing the loan repayment information to the client terminal. According to the invention, the problem that the cyclic loan and the non-cyclic loan cannot be converted in the prior art can be solved.

Description

Technical Field

[0001] The present invention relates to the field of financial technology, and in particular, to a method and device for converting between revolving loans and non-revolving loans. Background Art

[0002] This section aims to provide background or context for the embodiments of the present invention described in the claims. The descriptions herein are not admitted to be prior art merely because they are included in this section.

[0003] A revolving loan means that a bank, based on its own assessment, grants a certain credit limit to a customer. Within this credit limit, the customer can withdraw funds in installments, and the available credit limit is updated cyclically according to the principal amount repaid by the customer. Different from a revolving loan, a non-revolving loan has nothing to do with the principal amount repaid by the customer, and the available credit limit will not be updated according to the repaid principal amount.

[0004] Currently, both revolving loans and non-revolving loans require customers to apply separately, and there is no conversion between them. Each time the bank's loan processing system processes a customer's application, it needs to recalculate from application, review to loan approval, consuming a large amount of resources of the bank's loan processing system. From the perspective of the final processing result, the efficiency of loan business processing is low, increasing the workload of the bank and the bank's manual review cost is also high. At the same time, it is very inconvenient for customers to apply again each time, and the customer experience is poor. Summary of the Invention

[0005] Embodiments of the present invention provide a method for converting between revolving loans and non-revolving loans, which is used to reduce the resource consumption of the bank's loan processing system, improve the efficiency of loan business processing, improve the customer experience, and reduce the bank's manual review cost. This method is applied to a back-end server, and the method includes:

[0006] Obtain the customer's personal credit data and the remaining available loan amount of the current loan; the personal credit data includes multiple types of personal data;

[0007] According to the personal credit data and a preset calculation model for the critical value of the available loan amount, obtain the critical value of the available loan amount for the customer; the calculation model for the critical value of the available loan amount is used for: based on machine learning, using different types of personal data to calculate different types of personal analysis result values, and determining the critical value of the available loan amount according to the personal analysis result values; the critical value of the available loan amount represents the critical value between the available loan amount of a revolving loan and the available loan amount of a non-revolving loan;

[0008] According to the remaining available loan amount of the current loan and the critical value of the available loan amount, determine the conversion advice information between revolving loans and non-revolving loans; the conversion advice information between revolving loans and non-revolving loans includes advice on converting between revolving loans and non-revolving loans;

[0009] Push the revolving loan and non-revolving loan conversion suggestion information to the customer terminal so that the customer terminal: receive the instruction input by the customer to determine the conversion between the revolving loan and the non-revolving loan, and feedback the instruction to determine the conversion between the revolving loan and the non-revolving loan to the background server;

[0010] Receive the instruction feedback by the customer terminal to determine the conversion between the revolving loan and the non-revolving loan, and change the loan attribute of the customer according to the instruction; the loan attribute includes revolving loan or non-revolving loan;

[0011] Generate the loan granting and repayment information of the customer according to the changed loan attribute;

[0012] Push the loan granting and repayment information to the customer terminal.

[0013] An embodiment of the present invention further provides a revolving loan and non-revolving loan conversion processing device, which is used to reduce the resource consumption of the bank loan processing system, improve the efficiency of loan business processing, improve the customer experience, and reduce the bank's manual review cost. The device is applied to the background server and includes:

[0014] Obtain the personal credit data and the remaining available loan amount of the current loan of the customer; the personal credit data includes multiple types of personal data;

[0015] According to the personal credit data and the preset available loan amount threshold calculation model, obtain the available loan amount threshold of the customer; the available loan amount threshold calculation model is used for: based on machine learning, using different types of personal data to calculate different types of personal analysis result values, and determining the available loan amount threshold according to the personal analysis result values; the available loan amount threshold represents the threshold between the available loan amount of the revolving loan and the available loan amount of the non-revolving loan;

[0016] According to the remaining available loan amount of the current loan and the available loan amount threshold, determine the revolving loan and non-revolving loan conversion suggestion information; the revolving loan and non-revolving loan conversion suggestion information includes the suggestion to convert between the revolving loan and the non-revolving loan;

[0017] Push the revolving loan and non-revolving loan conversion suggestion information to the customer terminal so that the customer terminal: receive the instruction input by the customer to determine the conversion between the revolving loan and the non-revolving loan, and feedback the instruction to determine the conversion between the revolving loan and the non-revolving loan to the background server;

[0018] Receive the instruction feedback by the customer terminal to determine the conversion between the revolving loan and the non-revolving loan, and change the loan attribute of the customer according to the instruction; the loan attribute includes revolving loan or non-revolving loan;

[0019] Generate the loan granting and repayment information of the customer according to the changed loan attribute;

[0020] Push the loan granting and repayment information to the customer terminal.

[0021] An embodiment of the present invention further provides a computer device, including a memory, a processor, and a computer program stored on the memory and executable on the processor. When the processor executes the computer program, the above-mentioned conversion processing method for revolving loans and non-revolving loans is implemented.

[0022] An embodiment of the present invention further provides a computer-readable storage medium. The computer-readable storage medium stores a computer program, and when the computer program is executed by a processor, the above-mentioned conversion processing method for revolving loans and non-revolving loans is implemented.

[0023] An embodiment of the present invention further provides a computer program product. The computer program product includes a computer program, and when the computer program is executed by a processor, the above-mentioned conversion processing method for revolving loans and non-revolving loans is implemented.

[0024] In an embodiment of the present invention, personal credit data and the remaining available loan amount of the current loan of a customer are obtained; the personal credit data includes multiple types of personal data; according to the personal credit data and a preset calculation model for the critical value of the available loan amount, the critical value of the available loan amount of the customer is obtained; the calculation model for the critical value of the available loan amount is used for: based on machine learning, using different types of personal data to calculate different types of personal analysis result values, and determining the critical value of the available loan amount according to the personal analysis result values; the critical value of the available loan amount represents the critical value between the available loan amount of the revolving loan and the available loan amount of the non-revolving loan; according to the remaining available loan amount of the current loan and the critical value of the available loan amount, conversion advice information between the revolving loan and the non-revolving loan is determined; the conversion advice information between the revolving loan and the non-revolving loan includes advice on converting between the revolving loan and the non-revolving loan; the conversion advice information between the revolving loan and the non-revolving loan is pushed to the customer terminal, so that the customer terminal: receives an instruction from the customer to determine the conversion between the revolving loan and the non-revolving loan, and feeds back the instruction to determine the conversion between the revolving loan and the non-revolving loan to the background server; receives the instruction fed back by the customer terminal to determine the conversion between the revolving loan and the non-revolving loan, and changes the loan attribute of the customer according to the instruction; the loan attribute includes a revolving loan or a non-revolving loan; according to the changed loan attribute, loan lending and repayment information of the customer is generated; the loan lending and repayment information is pushed to the customer terminal. In an embodiment of the present invention, information on whether to advise the customer to convert between the revolving loan and the non-revolving loan is automatically generated according to the critical value of the available loan amount of the customer and the remaining available loan amount of the current loan. When it is advised to convert between the revolving loan and the non-revolving loan, the conversion advice information between the revolving loan and the non-revolving loan is pushed to the customer terminal. By receiving the instruction of the customer through the customer terminal and according to the instruction of the customer, the loan attribute of the customer is directly changed. That is, in the embodiment of the present invention, it is automatically determined whether the customer's loan should be a revolving loan or a non-revolving loan according to the customer's own situation, and then according to the instruction of the customer, the conversion between the revolving loan and the non-revolving loan is automatically executed, solving the problem that the conversion between the revolving loan and the non-revolving loan cannot be carried out in the prior art. Through automatic determination and conversion processing by the machine, the process of re-calculating from application, review, and loan approval each time is omitted, the resource consumption of the bank loan processing system is reduced, the efficiency of loan business processing is improved. At the same time, since the customer does not need to apply for a loan separately, the customer's time is saved, the customer experience is improved, and the manual review cost of the bank is reduced. BRIEF DESCRIPTION OF THE DRAWINGS

[0025] In order to more clearly illustrate the technical solutions in the embodiments of the present invention or the prior art, the following will briefly introduce the drawings required for use in the description of the embodiments or the prior art. Obviously, the following drawings are only some embodiments of the present invention. For those of ordinary skill in the art, without creative efforts, other drawings can be obtained based on these drawings. In the drawings:

[0026] Figure 1 It is a schematic flowchart of the conversion processing method for revolving loans and non-revolving loans in the embodiments of the present invention;

[0027] Figure 2 It is a specific embodiment of the conversion processing method for revolving loans and non-revolving loans in the embodiments of the present invention;

[0028] Figure 3 It is a specific embodiment of the conversion processing method for revolving loans and non-revolving loans in the embodiments of the present invention;

[0029] Figure 4 It is a schematic diagram of the conversion processing device for revolving loans and non-revolving loans in the embodiments of the present invention;

[0030] Figure 5 It is a schematic diagram of the computer device in the embodiments of the present invention. Detailed implementation manners

[0031] To make the objectives, technical solutions and advantages of the embodiments of the present invention clearer and more understandable, the embodiments of the present invention will be further described in detail below with reference to the accompanying drawings. Herein, the illustrative embodiments of the present invention and their descriptions are used to explain the present invention, but not to limit the present invention.

[0032] In the technical solutions of this application, the acquisition, storage, use, processing, etc. of data all comply with the relevant regulations of national laws and regulations.

[0033] The information collected is information and data authorized by the user or fully authorized by all parties, and the processing of relevant data such as collection, storage, use, processing, transmission, provision, disclosure and application complies with the relevant laws, regulations and standards of relevant countries and regions, takes necessary confidentiality measures, does not violate public order and good customs, and provides a corresponding operation entry for the user to choose to authorize or refuse.

[0034] In the embodiments of the present invention, a corresponding operation entry is provided for the user to choose to agree or refuse the automated decision result; if the user chooses to refuse, the expert decision-making process will be entered.

[0035] Currently, both revolving loans and non-revolving loans require customers to apply separately, and they cannot be converted between each other. Every time the bank loan processing system processes a customer's application, it needs to recalculate and process from application, review to loan approval, consuming a lot of resources of the bank loan processing system. From the perspective of the final processing result, the loan business processing efficiency is low, increasing the workload of the bank and the bank's manual review cost is also high. At the same time, it is very inconvenient for customers to apply again each time, and the customer experience is poor.

[0036] Therefore, the applicant proposes a conversion processing method for revolving loans and non-revolving loans, Figure 1This is a schematic flowchart of the method for converting revolving loans and non-revolving loans in the embodiments of the present invention. As Figure 1 shown, the method includes:

[0037] Step 101: Obtain the customer's personal credit data and the remaining available loan amount of the current loan; the personal credit data includes multiple types of personal data;

[0038] Step 102: Calculate the customer's loan amount threshold value according to the personal credit data and a preset loan amount threshold value calculation model; the loan amount threshold value calculation model is used to: based on machine learning, use different types of personal data to calculate different types of personal analysis result values, and determine the loan amount threshold value according to the personal analysis result values; the loan amount threshold value represents the threshold value between the available loan amount of the revolving loan and the available loan amount of the non-revolving loan;

[0039] Step 103: Determine the conversion recommendation information for the revolving loan and the non-revolving loan according to the remaining available loan amount of the current loan and the loan amount threshold value; the conversion recommendation information for the revolving loan and the non-revolving loan includes a recommendation to convert the revolving loan and the non-revolving loan;

[0040] Step 104: Push the conversion recommendation information for the revolving loan and the non-revolving loan to the customer terminal, so that the customer terminal: receives the instruction input by the customer to determine the conversion of the revolving loan and the non-revolving loan, and feeds back the instruction to determine the conversion of the revolving loan and the non-revolving loan to the background server;

[0041] Step 105: Receive the instruction fed back by the customer terminal to determine the conversion of the revolving loan and the non-revolving loan, and change the loan attribute of the customer according to the instruction; the loan attribute includes a revolving loan or a non-revolving loan;

[0042] Step 106: Generate the loan release and repayment information of the customer according to the changed loan attribute;

[0043] Step 107: Push the loan release and repayment information to the customer terminal.

[0044] From Figure 1As can be seen from the process shown, in the embodiment of the present invention, personal credit data and the remaining available loan amount of the current loan of the customer are obtained; the personal credit data includes multiple types of personal data; according to the personal credit data and a preset calculation model for the critical value of the available loan amount, the critical value of the available loan amount of the customer is obtained; the calculation model for the critical value of the available loan amount is used to: based on machine learning, calculate different types of personal analysis result values using different types of personal data, and determine the critical value of the available loan amount according to the personal analysis result values; the critical value of the available loan amount represents the critical value between the available loan amount of the revolving loan and the available loan amount of the non-revolving loan; according to the remaining available loan amount of the current loan and the critical value of the available loan amount, conversion recommendation information between the revolving loan and the non-revolving loan is determined; the conversion recommendation information between the revolving loan and the non-revolving loan includes a recommendation to convert between the revolving loan and the non-revolving loan; the conversion recommendation information between the revolving loan and the non-revolving loan is pushed to the customer terminal, so that the customer terminal: receives an instruction from the customer to determine the conversion between the revolving loan and the non-revolving loan, and feeds back the instruction to determine the conversion between the revolving loan and the non-revolving loan to the background server; receives the instruction fed back by the customer terminal to determine the conversion between the revolving loan and the non-revolving loan, and changes the loan attribute of the customer according to the instruction; the loan attribute includes a revolving loan or a non-revolving loan; according to the changed loan attribute, loan disbursement and repayment information of the customer is generated; the loan disbursement and repayment information is pushed to the customer terminal. In the embodiment of the present invention, information on whether to recommend that the customer convert between the revolving loan and the non-revolving loan is automatically generated according to the critical value of the available loan amount of the customer and the remaining available loan amount of the current loan. When it is recommended to convert between the revolving loan and the non-revolving loan, the conversion recommendation information between the revolving loan and the non-revolving loan is pushed to the customer terminal. By receiving the customer's instruction through the customer terminal and according to the customer's instruction, the loan attribute of the customer is directly changed for the customer. That is, in the embodiment of the present invention, it is automatically determined whether the customer's loan should be a revolving loan or a non-revolving loan according to the customer's own situation, and then according to the customer's instruction, the conversion between the revolving loan and the non-revolving loan is automatically executed, solving the problem that the conversion between the revolving loan and the non-revolving loan cannot be carried out in the prior art. Through automatic determination and conversion processing by the machine, the process of re-calculating from application, review, and loan approval each time is omitted, reducing the resource consumption of the bank loan processing system, improving the efficiency of loan business processing. At the same time, since the customer does not need to apply for a loan separately, the customer's time is saved, the customer experience is improved, and the manual review cost of the bank is reduced.

[0045] The method for processing the conversion between the revolving loan and the non-revolving loan in the embodiment of the present invention will be explained in detail below.

[0046] The method for processing the conversion between the revolving loan and the non-revolving loan in the embodiment of the present invention is implemented by an algorithm program preset in the background server. During implementation, the identification information of multiple loan customers within the bank system is obtained through the program algorithm, and the method for processing the conversion between the revolving loan and the non-revolving loan in the embodiment of the present invention is executed for the multiple loan customers regularly and in batches.

[0047] When executed, first obtain the data for calculation, including but not limited to the customer's personal credit data and the remaining available loan amount of the current loan. The personal credit data includes multiple types of personal data.

[0048] For example, obtain personal data such as the remaining available loan amount of the current loan, customer name, occupation, income range, collateral, etc. through the customer data already stored in the bank system.

[0049] Among them, multiple types of personal data in the customer's personal credit data can be tagged with update tags in the bank system. The update tags are used to indicate whether different types of personal data have changed. In step 101, only obtain the data for which the personal data has changed, reducing the amount of data obtained and processed each time, which can improve the efficiency of data acquisition.

[0050] In one embodiment, obtaining the remaining available loan amount of the current loan of the customer may include:

[0051] Obtain the customer's loan basic data, where the loan basic data includes loan attributes, loan disbursement record data, and repayment record data;

[0052] Determine the remaining available loan amount of the current loan of the customer according to the loan attributes, loan disbursement record data, and repayment record data.

[0053] The loan attribute indicates whether the customer's loan is a revolving loan or a non-revolving loan. The loan basic data may also include the credit amount approved by the loan contract. When implemented, for each customer, traverse their loan basic data to obtain loan disbursement record data such as the number of loan disbursements, the amount of each loan disbursement, and the time of each loan disbursement under this loan contract, and obtain repayment record data such as the number of principal repayment times, the amount of each principal repayment, and the time of each principal repayment for this loan. Determine the remaining available loan amount of the current loan of the customer according to the loan attributes, loan disbursement record data, and repayment record data.

[0054] In one embodiment, determining the remaining available loan amount of the current loan of the customer according to the loan attributes, loan disbursement record data, and repayment record data may include:

[0055] Determine the available loan amount calculation method according to the loan attributes;

[0056] Determine the remaining available loan amount of the current loan of the customer according to the available loan amount calculation method, loan disbursement record data, and repayment record data.

[0057] When implemented, for example, if the current loan attribute is a revolving loan, it can be processed as follows:

[0058] 1) Obtain the loan basic data;

[0059] 2) Query to obtain the last available credit limit calculation result and the registration time of the last calculation result;

[0060] 3) If it is the first time to calculate the available credit limit, the current remaining available credit limit of the loan can be calculated by the approved credit amount in the loan contract - the cumulative disbursed amount + the cumulative principal repayment amount. After calculating the available credit limit, register the time stamp of this calculation;

[0061] 4) If it is not the first time to calculate the available credit limit, the current remaining available credit limit of the loan can be calculated by the last available credit limit calculation result - the newly added disbursed amount (referring to the amount occurred after the last available credit limit calculation result) + the newly added principal repayment amount (referring to the amount occurred after the last available credit limit calculation result), and register the time stamp of this calculation.

[0062] For example, if the current loan attribute is a non - revolving loan, it can be processed as follows:

[0063] 1) Obtain the basic loan data;

[0064] 2) Query to obtain the last available credit limit calculation result and the registration time of the last calculation result;

[0065] 3) If it is the first time to calculate the available credit limit, the current remaining available credit limit of the loan can be calculated by the approved credit amount in the loan contract - the cumulative disbursed amount, and register the time stamp of this calculation after calculating the available credit limit;

[0066] 4) If it is not the first time to calculate the available credit limit, the current remaining available credit limit of the loan can be calculated by the last available credit limit calculation result - the newly added disbursed amount (referring to the amount occurred after the last available credit limit calculation result), and register the time stamp of this calculation.

[0067] In one embodiment, after obtaining the customer's personal credit data and the current remaining available credit limit of the loan, it may further include:

[0068] Determine whether there is a newly added disbursement. If so, re - obtain the basic loan data, mainly re - obtain the total disbursed amount of the loan, and then re - calculate the current remaining available credit limit of the loan according to the above method;

[0069] Determine whether there is a newly added principal repayment. If so, re - obtain the basic loan data, mainly re - obtain the total principal repayment amount of the loan, and then re - calculate the current remaining available credit limit of the loan according to the above method.

[0070] After obtaining the customer's personal credit data and the current remaining available credit limit of the loan, according to the personal credit data and the preset available credit limit threshold calculation model, obtain the customer's available credit limit threshold.

[0071] Among them, the loanable amount threshold calculation model is used to: based on machine learning, calculate different types of personal analysis result values using different types of personal data, and determine the loanable amount threshold according to the personal analysis result values; the loanable amount threshold represents the threshold between the loanable amount of revolving loans and the loanable amount of non-revolving loans.

[0072] In implementation, by using different types of personal data of multiple historical customers, as well as data such as loan attributes and loan amounts through machine learning, determine the influence of different types of personal data on loan attributes and loan amounts. For example, establish a calculation formula for calculating the corresponding personal analysis result value of different types of personal data. After inputting personal data, the corresponding type of personal analysis result value can be output. Finally, based on all types of personal analysis result values, summarize and output the loanable amount threshold.

[0073] Figure 2 This is a specific embodiment of the method for converting revolving loans and non-revolving loans in the embodiments of the present invention. As Figure 2 shown, the personal credit data includes application information, fund behavior data, and the latest value of the collateral.

[0074] According to the personal credit data and the preset loanable amount threshold calculation model, obtaining the loanable amount threshold of the customer may include:

[0075] Step 201: Determine the credit analysis result value and risk analysis result value of the customer according to the application information and fund behavior data;

[0076] Step 202: Use the decision tree algorithm model to determine the loanable amount threshold of the customer by using the credit analysis result value, risk analysis result value, and the latest value of the collateral of the customer.

[0077] It should be noted that the personal credit data may also include other classified personal data. This is only an example in the embodiments of the present invention. In implementation, the loanable amount threshold calculation model can be obtained by training the decision tree algorithm model using the personal credit data, loan attributes, and loan amounts of multiple historical customers.

[0078] In implementation, different weights can also be assigned to different types of personal analysis result values, and the weights can be adjusted based on the decision tree algorithm model to determine the final loanable amount threshold.

[0079] In one embodiment, the loanable amount threshold calculation model can be expressed as follows:

[0080] Loanable amount threshold = (application analysis result value × A% + behavior analysis result value × B%) × collateral value × expert score;

[0081] Among them, the application analysis result value = age score value × a% + occupation score value × b% + credit investigation score value × c% + income score value × d% +... etc.;

[0082] The behavior analysis result value = overdue situation score value × a1% + borrowing frequency score value × b1% + capital expenditure flow score value × c1% +... etc.;

[0083] The collateral value is the current latest market value of the customer's loan collateral;

[0084] The expert score is an adjustment coefficient. Internal experts in the banking system can judge the comprehensive situation of the lender based on experience and give a score, with the score ranging from 0 to 2. It is used to reflect the actual situation that cannot be statistically reflected by objective data.

[0085] In addition, the application analysis result value and the behavior analysis result value can be flexibly configured. For example, corresponding factors and weights can be selected according to actual needs:

[0086] Step 301: Receive the model factors, the data source table and fields of relevant factors entered by the user, which is convenient for the subsequent background server to obtain relevant values in real time; among them, the model factors and relevant factors reflect the aspects that the user focuses on, such as income, assets, etc.;

[0087] Step 302: Receive the initial weights of each factor entered.

[0088] Step 303: Based on machine learning, adjust the weight values of each factor.

[0089] Step 304: Verify that the sum of the weight values of each factor is equal to 1.

[0090] After that, according to the remaining available loan amount and the available loan amount threshold of the current loan, determine the conversion recommendation information for revolving loans and non-revolving loans. The conversion recommendation information for revolving loans and non-revolving loans includes the recommended conversion between revolving loans and non-revolving loans.

[0091] During implementation, if the remaining available loan amount of the current loan is greater than the calculated available loan amount threshold, the background server determines that this loan should be converted into a non-revolving loan. If the remaining available loan amount of the current loan is less than or equal to the calculated available loan amount threshold, the background server determines that this loan should be converted into a revolving loan.

[0092] In one embodiment, before pushing the conversion recommendation information for revolving loans and non-revolving loans to the customer terminal, it may further include:

[0093] Push the conversion suggestion information of revolving loans and non-revolving loans to the front end of banking business processing so that the front end of banking business processing: bank business personnel can receive the conversion suggestion information of revolving loans and non-revolving loans and send information agreeing to convert revolving loans and non-revolving loans to the back-end server;

[0094] Pushing the conversion suggestion information of revolving loans and non-revolving loans to the customer terminal may include:

[0095] After the back-end server receives the information agreeing to convert revolving loans and non-revolving loans sent by the front end of banking business processing, push the conversion suggestion information of revolving loans and non-revolving loans to the customer terminal.

[0096] In this example, after determining the conversion suggestion information of revolving loans and non-revolving loans based on the remaining available loan amount of the current loan and the critical value of the available loan amount, first, bank business personnel judge whether the conversion suggestion information of revolving loans and non-revolving loans is appropriate. After the bank business personnel determine that the conversion suggestion information of revolving loans and non-revolving loans is appropriate, then notify the customer terminal.

[0097] During implementation, data such as the customer's personal credit data, the remaining available loan amount of the current loan, and the calculated critical value of the customer's available loan amount can be sent to the front end of banking business processing for bank business personnel to judge whether there are obvious unreasonable or controversial points. Bank business personnel can give modification suggestion information, such as adjusting the critical value of the customer's available loan amount, or adjusting the customer's information according to the bank business personnel's understanding of the facts and customer information. The modification suggestion information is fed back to the back-end server, and the back-end server re-determines the conversion suggestion information of revolving loans and non-revolving loans until the conversion suggestion information determined by the back-end server obtains the consent information from the front end of banking business processing, and finally notifies the client. This example further enhances the reliability of the conversion processing method for revolving loans and non-revolving loans.

[0098] After that, push the conversion suggestion information of revolving loans and non-revolving loans to the customer terminal so that the customer terminal: receives the instruction from the customer to determine the conversion of revolving loans and non-revolving loans, feeds back the instruction to determine the conversion of revolving loans and non-revolving loans to the back-end server, receives the instruction fed back by the customer terminal to determine the conversion of revolving loans and non-revolving loans, changes the loan attributes of the customer according to the instruction, generates the loan granting and repayment information of the customer according to the changed loan attributes, and pushes the loan granting and repayment information to the customer terminal.

[0099] For example, the conversion suggestion information of revolving loans and non-revolving loans may also include that it is not recommended to convert non-revolving loans into revolving loans, and the recommended conversion of revolving loans and non-revolving loans may include recommending to convert revolving loans into non-revolving loans;

[0100] Based on the remaining available loan amount of the current loan and the critical value of the available loan amount, determine the conversion advice information between revolving loans and non-revolving loans, which may include:

[0101] If the remaining available loan amount of the current loan is greater than the critical value of the available loan amount, determine that the current loan should be a non-revolving loan;

[0102] If the current loan attribute of the customer is a revolving loan, determine the conversion advice information between revolving loans and non-revolving loans as: it is recommended to convert the revolving loan into a non-revolving loan;

[0103] If the current loan attribute of the customer is a non-revolving loan, determine the conversion advice information between revolving loans and non-revolving loans as: it is not recommended to convert the non-revolving loan into a revolving loan.

[0104] For another example, the conversion advice information between revolving loans and non-revolving loans may also include that it is not recommended to convert the revolving loan into a non-revolving loan, and the recommended conversion between revolving loans and non-revolving loans may include recommending to convert the non-revolving loan into a revolving loan;

[0105] Based on the remaining available loan amount of the current loan and the critical value of the available loan amount, determine the conversion advice information between revolving loans and non-revolving loans, which may include:

[0106] If the remaining available loan amount of the current loan is less than the critical value of the available loan amount, determine that the current loan should be a revolving loan;

[0107] If the current loan attribute of the customer is a revolving loan, determine the conversion advice information between revolving loans and non-revolving loans as: it is not recommended to convert the revolving loan into a non-revolving loan;

[0108] If the current loan attribute of the customer is a non-revolving loan, determine the conversion advice information between revolving loans and non-revolving loans as: it is recommended to convert the non-revolving loan into a revolving loan.

[0109] Figure 3 This is a specific embodiment of the method for processing the conversion between revolving loans and non-revolving loans in the embodiments of the present invention. As Figure 3 shown, it demonstrates the entire process from the initial data acquisition, determining whether a customer's loan is a revolving loan, starting from two perspectives of revolving loans and non-revolving loans, to finally changing the loan attribute. Among them, the advice information on whether to convert between revolving loans and non-revolving loans is implemented through the background server, and then the background server pushes the conversion advice information between revolving loans and non-revolving loans to the customer terminal. According to the customer's instructions, the conversion between revolving loans and non-revolving loans is realized. Through the interaction and cooperation between the background server and the customer terminal, the online conversion processing between revolving loans and non-revolving loans is achieved, reducing the resource consumption of the bank loan processing system, improving the efficiency of loan business processing, and at the same time eliminating the need for the customer to reapply, enhancing the customer experience and reducing the bank's manual review cost.

[0110] It should be noted that the method for converting revolving loans and non-revolving loans provided in the embodiments of the present invention can be used in the financial field, and can also be used in any technical field other than the financial field. The embodiments of the present invention do not limit the application field of the method for converting revolving loans and non-revolving loans.

[0111] The embodiments of the present invention also provide a device for converting revolving loans and non-revolving loans, as described in the following embodiments. Since the principle of the device for solving problems is similar to the method for converting revolving loans and non-revolving loans, the implementation of the device can refer to the implementation of the method for converting revolving loans and non-revolving loans, and the repeated parts will not be described again.

[0112] Figure 4 It is a schematic diagram of the device for converting revolving loans and non-revolving loans in the embodiments of the present invention, as Figure 4 shown. The device is applied to the background server and includes:

[0113] A data acquisition module 401, configured to acquire the personal credit data of the customer and the remaining available loan amount of the current loan; the personal credit data includes multiple types of personal data;

[0114] A loanable amount threshold calculation module 402, configured to obtain the loanable amount threshold of the customer according to the personal credit data and a preset loanable amount threshold calculation model; the loanable amount threshold calculation model is used for: based on machine learning, using different types of personal data to calculate different types of personal analysis result values, and determining the loanable amount threshold according to the personal analysis result values; the loanable amount threshold represents the threshold between the loanable amount of the revolving loan and the loanable amount of the non-revolving loan;

[0115] A conversion recommendation information processing module 403, configured to determine the conversion recommendation information between the revolving loan and the non-revolving loan according to the remaining available loan amount of the current loan and the loanable amount threshold; the conversion recommendation information between the revolving loan and the non-revolving loan includes a recommendation to convert between the revolving loan and the non-revolving loan; and push the conversion recommendation information between the revolving loan and the non-revolving loan to the customer terminal, so that the customer terminal: receives the instruction for the customer to determine the conversion between the revolving loan and the non-revolving loan, and feeds back the instruction for the customer to determine the conversion between the revolving loan and the non-revolving loan to the background server;

[0116] A customer instruction processing module 404, configured to receive the instruction for the customer to determine the conversion between the revolving loan and the non-revolving loan fed back by the customer terminal, and change the loan attribute of the customer according to the instruction; the loan attribute includes a revolving loan or a non-revolving loan; generate the loan release and repayment information of the customer according to the changed loan attribute; and push the loan release and repayment information to the customer terminal.

[0117] In one embodiment, the data acquisition module 401 is specifically configured to:

[0118] Acquire the loan basic data of the customer, where the loan basic data includes loan attributes, loan disbursement record data, and repayment record data;

[0119] Determine the remaining available loan amount of the customer's current loan according to the loan attributes, loan disbursement record data, and repayment record data.

[0120] In one embodiment, the data acquisition module 401 is specifically configured to:

[0121] Determine the available loan amount calculation method according to the loan attributes;

[0122] Determine the remaining available loan amount of the customer's current loan according to the available loan amount calculation method, loan disbursement record data, and repayment record data.

[0123] In one embodiment, the personal credit data includes application information, fund behavior data, and the latest value of the collateral;

[0124] The available loan amount threshold calculation module 402 is specifically configured to:

[0125] Determine the customer's credit analysis result value and risk analysis result value according to the application information and fund behavior data;

[0126] Determine the available loan amount threshold of the customer according to the decision tree algorithm model, using the customer's credit analysis result value, risk analysis result value, and the latest value of the collateral.

[0127] In one embodiment, the available loan amount threshold calculation model is obtained by training the decision tree algorithm model using the personal credit data, loan attributes, and loan amounts of multiple historical customers.

[0128] In one embodiment, the device may further include:

[0129] The banking business processing front-end processing module is used to push the revolving loan and non-revolving loan conversion recommendation information to the banking business processing front-end before the conversion recommendation information processing module 403 pushes the revolving loan and non-revolving loan conversion recommendation information to the customer terminal, so that the banking business processing front-end: banking business personnel can receive the revolving loan and non-revolving loan conversion recommendation information and send information agreeing to convert the revolving loan and non-revolving loan to the background server;

[0130] The conversion recommendation information processing module 403 is specifically configured to:

[0131] When the background server receives the information agreeing to convert the revolving loan and non-revolving loan sent by the banking business processing front-end, push the revolving loan and non-revolving loan conversion recommendation information to the customer terminal.

[0132] In one embodiment, the revolving loan and non-revolving loan conversion recommendation information further includes that it is not recommended to convert a non-revolving loan into a revolving loan, and the recommended conversion of revolving loans and non-revolving loans includes recommending to convert a revolving loan into a non-revolving loan;

[0133] The conversion recommendation information processing module 403 is specifically configured to:

[0134] When the remaining available credit limit of the current loan is greater than the credit limit threshold, it is determined that the current loan should be a non-revolving loan;

[0135] If the current loan attribute of the customer is a revolving loan, it is determined that the revolving loan and non-revolving loan conversion recommendation information is: recommending to convert the revolving loan into a non-revolving loan;

[0136] If the current loan attribute of the customer is a non-revolving loan, it is determined that the revolving loan and non-revolving loan conversion recommendation information is: it is not recommended to convert a non-revolving loan into a revolving loan.

[0137] In one embodiment, the revolving loan and non-revolving loan conversion recommendation information further includes that it is not recommended to convert a revolving loan into a non-revolving loan, and the recommended conversion of revolving loans and non-revolving loans includes recommending to convert a non-revolving loan into a revolving loan;

[0138] The conversion recommendation information processing module 403 is specifically configured to:

[0139] When the remaining available credit limit of the current loan is less than the credit limit threshold, it is determined that the current loan should be a revolving loan;

[0140] If the current loan attribute of the customer is a revolving loan, it is determined that the revolving loan and non-revolving loan conversion recommendation information is: it is not recommended to convert a revolving loan into a non-revolving loan;

[0141] If the current loan attribute of the customer is a non-revolving loan, it is determined that the revolving loan and non-revolving loan conversion recommendation information is: recommending to convert a non-revolving loan into a revolving loan.

[0142] Figure 5 It is a schematic diagram of a computer device in an embodiment of the present invention. As Figure 5 shown, an embodiment of the present invention further provides a computer device 500, including a processor 501, a memory 502, and a computer program 503 stored in the memory 502 and executable on the processor 501. When the processor 501 executes the computer program 503, the above-mentioned revolving loan and non-revolving loan conversion processing method is implemented.

[0143] An embodiment of the present invention further provides a computer-readable storage medium storing a computer program, and when the computer program is executed by a processor, the above-mentioned conversion processing method between revolving loans and non-revolving loans is implemented.

[0144] An embodiment of the present invention further provides a computer program product including a computer program, and when the computer program is executed by a processor, the above-mentioned conversion processing method between revolving loans and non-revolving loans is implemented.

[0145] In an embodiment of the present invention, personal credit data of a customer and the remaining available loan amount of the current loan are obtained; the personal credit data includes multiple types of personal data; according to the personal credit data and a preset available loan amount threshold calculation model, the available loan amount threshold of the customer is obtained; the available loan amount threshold calculation model is used for: based on machine learning, using different types of personal data to calculate different types of personal analysis result values, and determining the available loan amount threshold according to the personal analysis result values; the available loan amount threshold represents the threshold between the available loan amount of a revolving loan and the available loan amount of a non-revolving loan; according to the remaining available loan amount of the current loan and the available loan amount threshold, conversion suggestion information between a revolving loan and a non-revolving loan is determined; the conversion suggestion information between a revolving loan and a non-revolving loan includes a suggestion to convert between a revolving loan and a non-revolving loan; the conversion suggestion information between a revolving loan and a non-revolving loan is pushed to the customer terminal so that the customer terminal: receives an instruction from the customer to determine the conversion between a revolving loan and a non-revolving loan, and feeds back the instruction to determine the conversion between a revolving loan and a non-revolving loan to the background server; receives the instruction fed back by the customer terminal to determine the conversion between a revolving loan and a non-revolving loan, and changes the loan attribute of the customer according to the instruction; the loan attribute includes a revolving loan or a non-revolving loan; according to the changed loan attribute, loan release and repayment information of the customer is generated; the loan release and repayment information is pushed to the customer terminal. In an embodiment of the present invention, information on whether to suggest that the customer convert between a revolving loan and a non-revolving loan is automatically generated according to the available loan amount threshold of the customer and the remaining available loan amount of the current loan. When it is suggested to convert between a revolving loan and a non-revolving loan, the conversion suggestion information between a revolving loan and a non-revolving loan is pushed to the customer terminal. By receiving the customer's instruction through the customer terminal and according to the customer's instruction, the loan attribute of the customer is directly changed, that is, in the embodiment of the present invention, it is automatically judged whether the customer's loan should be a revolving loan or a non-revolving loan according to the customer's own situation, and then according to the customer's instruction, the conversion between a revolving loan and a non-revolving loan is automatically executed, solving the problem that the conversion between a revolving loan and a non-revolving loan cannot be performed in the prior art. Through automatic machine determination and conversion processing, the process of re-calculating from application, review, and loan approval each time is omitted, reducing the resource consumption of the bank loan processing system, improving the efficiency of loan business processing. At the same time, since the customer does not need to apply for a loan separately, the customer's time is saved, the customer experience is improved, and the manual review cost of the bank is reduced.

[0146] Those skilled in the art should understand that the embodiments of the present invention can be provided as a method, a system, or a computer program product. Therefore, the present invention can take the form of a completely hardware embodiment, a completely software embodiment, or an embodiment combining software and hardware aspects. Moreover, the present invention can take the form of a computer program product implemented on one or more computer-usable storage media (including but not limited to disk memory, CD-ROM, optical memory, etc.) that contain computer-usable program code.

[0147] The present invention is described with reference to the flowcharts and / or block diagrams of methods, apparatuses (systems), and computer program products according to the embodiments of the present invention. It should be understood that each flow and / or block in the flowchart and / or block diagram, as well as the combination of flows and / or blocks in the flowchart and / or block diagram, can be realized by computer program instructions. These computer program instructions can be provided to the processor of a general-purpose computer, a special-purpose computer, an embedded processor, or other programmable data processing devices to generate a machine, so that the instructions executed by the processor of the computer or other programmable data processing devices generate means for realizing the functions specified in one Figure 1 flow or multiple flows and / or blocks Figure 1 or multiple blocks.

[0148] These computer program instructions can also be stored in a computer-readable memory that can direct a computer or other programmable data processing devices to work in a specific manner, so that the instructions stored in the computer-readable memory generate a manufactured article including instruction means, and the instruction means realizes the functions specified in one Figure 1 flow or multiple flows and / or blocks Figure 1 or multiple blocks.

[0149] These computer program instructions can also be loaded onto a computer or other programmable data processing devices, so that a series of operation steps are executed on the computer or other programmable devices to generate a computer-implemented process. Thus, the instructions executed on the computer or other programmable devices provide steps for realizing the functions specified in one Figure 1 flow or multiple flows and / or blocks Figure 1 or multiple blocks.

[0150] The specific embodiments described above further elaborate on the purpose, technical solution, and beneficial effects of the present invention. It should be understood that the above are only specific embodiments of the present invention and are not used to limit the protection scope of the present invention. Any modifications, equivalent replacements, improvements, etc. made within the spirit and principle of the present invention should be included in the protection scope of the present invention.

Claims

1. A method for converting revolving loans and non-revolving loans, characterized in that, Applied to a background server, the method includes: Obtain the personal credit data of a customer and the remaining available loan amount of the current loan; the personal credit data includes multiple types of personal data; According to the personal credit data and a preset calculation model for the critical loan amount threshold, obtain the critical loan amount threshold of the customer; the calculation model for the critical loan amount threshold is used to: based on machine learning, use different types of personal data to calculate different types of personal analysis result values, and determine the critical loan amount threshold according to the personal analysis result values; the critical loan amount threshold represents the critical value between the available loan amount for revolving loans and the available loan amount for non-revolving loans; According to the remaining available loan amount of the current loan and the critical loan amount threshold, determine the conversion advice information for revolving loans and non-revolving loans; the conversion advice information for revolving loans and non-revolving loans includes advice on converting to revolving loans and non-revolving loans; Push the conversion advice information for revolving loans and non-revolving loans to the customer terminal, so that the customer terminal: receive an instruction input by the customer to determine the conversion between revolving loans and non-revolving loans, and feedback the instruction to determine the conversion between revolving loans and non-revolving loans to the background server; Receive the instruction feedback by the customer terminal to determine the conversion between revolving loans and non-revolving loans, and change the loan attribute of the customer according to the instruction; the loan attribute includes revolving loans or non-revolving loans; Generate the loan disbursement and repayment information of the customer according to the changed loan attribute; Push the loan disbursement and repayment information to the customer terminal.

2. The method according to claim 1, wherein Obtain the remaining available loan amount of the current loan of the customer, including: Obtain the basic loan data of the customer, and the basic loan data includes loan attributes, loan disbursement record data, and repayment record data; Determine the remaining available loan amount of the current loan of the customer according to the loan attributes, loan disbursement record data, and repayment record data.

3. The method according to claim 2, wherein Determine the remaining available loan amount of the current loan of the customer according to the loan attributes, loan disbursement record data, and repayment record data, including: Determine the loan amount calculation method according to the loan attributes; Determine the remaining available loan amount of the current loan of the customer according to the loan amount calculation method, loan disbursement record data, and repayment record data.

4. The method according to claim 1, characterized in that, The personal credit data includes application information, fund behavior data, and the latest value of the collateral; According to the personal credit data and a preset calculation model for the critical loan amount threshold, obtain the critical loan amount threshold of the customer, including: According to the application information and fund behavior data, determine the credit analysis result value and risk analysis result value of the customer; According to the decision tree algorithm model, use the credit analysis result value, risk analysis result value, and the latest value of the collateral of the customer to determine the critical loan amount threshold of the customer.

5. The method according to claim 4, wherein The calculation model for the critical loan amount threshold is trained on the decision tree algorithm model using the personal credit data, loan attributes, and loan amounts of multiple historical customers.

6. The method according to claim 1, wherein The conversion advice information for revolving loans and non-revolving loans also includes that it is not recommended to convert non-revolving loans into revolving loans, and the advice to convert revolving loans and non-revolving loans includes the advice to convert revolving loans into non-revolving loans; According to the remaining available loan amount of the current loan and the critical loan amount threshold, determine the conversion advice information for revolving loans and non-revolving loans, including: If the remaining available credit limit of the current loan is greater than the critical value of the available credit limit, it is determined that the current loan should be a non-revolving loan; If the current loan attribute of the customer is a revolving loan, it is determined that the conversion advice information for the revolving loan and the non-revolving loan is: it is recommended to convert the revolving loan into a non-revolving loan; If the current loan attribute of the customer is a non-revolving loan, it is determined that the conversion advice information for the revolving loan and the non-revolving loan is: it is not recommended to convert the non-revolving loan into a revolving loan.

7. The method according to claim 1, wherein The conversion advice information for the revolving loan and the non-revolving loan further includes that it is not recommended to convert the revolving loan into a non-revolving loan, and the recommended conversion of the revolving loan and the non-revolving loan includes recommending to convert the non-revolving loan into a revolving loan; According to the remaining available credit limit of the current loan and the critical value of the available credit limit, determine the conversion advice information for the revolving loan and the non-revolving loan, including: If the remaining available credit limit of the current loan is less than the critical value of the available credit limit, it is determined that the current loan should be a revolving loan; If the current loan attribute of the customer is a revolving loan, it is determined that the conversion advice information for the revolving loan and the non-revolving loan is: it is not recommended to convert the revolving loan into a non-revolving loan; If the current loan attribute of the customer is a non-revolving loan, it is determined that the conversion advice information for the revolving loan and the non-revolving loan is: it is recommended to convert the non-revolving loan into a revolving loan.

8. A revolving loan and non-revolving loan conversion processing device, characterized in that, Applied to the background server, the device includes: A data acquisition module, configured to acquire the personal credit data of the customer and the remaining available credit limit of the current loan; the personal credit data includes multiple types of personal data; An available credit limit critical value calculation module, configured to obtain the critical value of the available credit limit of the customer according to the personal credit data and a preset available credit limit critical value calculation model; the available credit limit critical value calculation model is used for: based on machine learning, using different types of personal data to calculate different types of personal analysis result values, and determining the critical value of the available credit limit according to the personal analysis result values; the critical value of the available credit limit represents the critical value between the available credit limit of the revolving loan and the available credit limit of the non-revolving loan; A conversion advice information processing module, configured to determine the conversion advice information for the revolving loan and the non-revolving loan according to the remaining available credit limit of the current loan and the critical value of the available credit limit; the conversion advice information for the revolving loan and the non-revolving loan includes the recommended conversion of the revolving loan and the non-revolving loan; push the conversion advice information for the revolving loan and the non-revolving loan to the customer terminal, so that the customer terminal: receives the instruction for determining the conversion of the revolving loan and the non-revolving loan input by the customer, and feeds back the instruction for determining the conversion of the revolving loan and the non-revolving loan to the background server; A customer instruction processing module, configured to receive the instruction for determining the conversion of the revolving loan and the non-revolving loan fed back by the customer terminal, and change the loan attribute of the customer according to the instruction; the loan attribute includes a revolving loan or a non-revolving loan; generate the loan lending and repayment information of the customer according to the changed loan attribute; push the loan lending and repayment information to the customer terminal.

9. A computer device, comprising a memory, a processor, and a computer program stored on the memory and executable on the processor, characterized in that, When the processor executes the computer program, it implements the method according to any one of claims 1 to 7.

10. A computer-readable storage medium, characterized in that, The computer-readable storage medium stores a computer program, and when the computer program is executed by the processor, it implements the method according to any one of claims 1 to 7.

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