Loan commission determination method and device and commission generation system

Abstract

The invention provides a loan commission determination method and device and a commission generation system. The method comprises the steps that loan information is acquired, the loan information is information that a user loans a financial institution, and the loan information at least comprises a loan amount; obtaining commission information, the commission information being information of a commission proportion of a dealer and a commission share proportion of the dealer, the commission proportion being a proportion of distributing commission to the dealer, and the commission share proportion being a remaining proportion after the current dealer shares to a superior dealer; the product of the loan amount, the commission proportion and the commission division proportion is calculated, the loan commission of the dealer is obtained, and the loan commission is at least used for business analysis and account recording. According to the scheme, the problems that in the prior art, the amount of loan commission of a dealer is calculated through manual processing, the labor cost is high, and errors are prone to occurring are solved.

Description

Technical Field

[0001] The present application relates to the field of Internet financial technology, and more specifically, to a method, device, computer program product, and commission generation system for determining a loan commission. Background Art

[0002] To further expand their customer base, financial institutions offer commissions to dealers when providing mortgage loans, such as mortgages and auto loans, to encourage them to recommend their loan products to clients and complete loan applications. Due to differences in business scale, policy support, and loan policies, the interest income earned by financial institutions fluctuates. If commission rates cannot be flexibly adjusted based on actual interest income, financial institutions may end up paying commissions higher than interest income, resulting in losses in the loan business. Furthermore, large dealerships, which are the primary source of loan applications, often establish branches. In some cases, branches may receive applications but are required to pay a proportional commission to the head office in accordance with management requirements. Currently, financial institutions still pay commissions to dealers through manual processing by sales staff or internal processing within the dealership.

[0003] Therefore, the amount of dealer loan commissions is currently calculated through manual processing, which has high labor costs and is prone to errors. Summary of the Invention

[0004] The main purpose of this application is to provide a method, device, computer program product and commission generation system for determining loan commissions, so as to at least solve the problem in the prior art of manually calculating the amount of dealer's loan commissions, which has high labor costs and is prone to errors.

[0005] In order to achieve the above-mentioned purpose, according to one aspect of the present application, a method for determining a loan commission is provided, comprising: obtaining loan information, wherein the loan information is information about a user's loan from a financial institution, and the loan information includes at least the loan amount; obtaining commission information, wherein the commission information is information about the dealer's commission ratio and the dealer's commission sharing ratio, wherein the commission ratio is the ratio of the commission allocated to the dealer, and the commission sharing ratio is the remaining ratio after the current dealer shares the commission with the superior dealer; calculating the product of the loan amount, the commission ratio and the commission sharing ratio to obtain the dealer's loan commission, and the loan commission is at least used for business analysis and account records.

[0006] Optionally, obtain loan information, including: obtaining multiple pieces of initial loan information, where at least the entrusted payment information is included in the initial loan information, and the entrusted payment information is the information of the user entrusting the dealer to take a loan; delete the initial loan information with empty entrusted payment information among the multiple pieces of initial loan information to obtain the loan information.

[0007] Optionally, obtain commission information, including: obtaining the first loan mode information, where the first loan mode information is the information on whether the loan is a discounted loan; when the first loan mode information indicates that the loan is a discounted loan, determine that the commission ratio is the first commission ratio; when the first loan mode information indicates that the loan is a non-discounted loan, determine that the commission ratio is the second commission ratio, where the first commission ratio is less than the second commission ratio.

[0008] Optionally, obtain commission information, including: obtaining the second loan mode information, where the second loan mode information is the information on the loan divided by interest rate; when the second loan mode information indicates that the loan is at the first interest rate, determine that the commission ratio is the third commission ratio; when the second loan mode information indicates that the loan is at the second interest rate, determine that the commission ratio is the fourth commission ratio, where the first interest rate is higher than the second interest rate, and the third commission ratio is greater than the fourth commission ratio.

[0009] Optionally, obtain commission information, including: obtaining accounting-related information, where the accounting-related information includes one or more of the total loan amount, the total number of loan transactions, the amount of a single loan, and the loan term; determine the commission ratio according to the accounting-related information, where the total loan amount is positively correlated with the commission ratio, the total number of loan transactions is positively correlated with the commission ratio, the amount of a single loan is positively correlated with the commission ratio, and the loan term is positively correlated with the commission ratio.

[0010] Optionally, obtain commission information, including: obtaining the association relationship, where the association relationship is the subordinate relationship between superiors and subordinates among multiple dealers; construct a tree diagram according to the association relationship, where the superior dealer is located at the upper leaf node of the subordinate dealer; obtain the preset sharing information, where the preset sharing information is the ratio information of the subordinate dealer distributing commissions to the superior dealer; according to the tree diagram, find all the superior dealers of the current dealer, and determine the sharing ratio of all the superior dealers according to the preset sharing information; calculate the difference between the preset percentage and the sharing ratio to obtain the commission sharing ratio corresponding to the current dealer.

[0011] Optionally, after obtaining the commission information, the method further includes: constructing a commission allocation model, where the commission allocation model is trained using multiple sets of training data, and each set of training data in the multiple sets of training data includes historical loan information, historical commission information, and historical loan commissions corresponding to the historical loan information and the historical commission information obtained within a historical time period; inputting the loan information and the commission information into the commission allocation model to obtain the loan commission corresponding to the loan information and the commission information.

[0012] According to another aspect of the present application, there is provided a device for determining a loan commission, including: a first acquisition unit for acquiring loan information, where the loan information is information on a user's loan from a financial institution, and the loan information at least includes the loan amount; a second acquisition unit for acquiring commission information, where the commission information is information on the commission ratio of a dealer and the commission sharing ratio of the dealer, where the commission ratio is the ratio for allocating commissions to the dealer, and the commission sharing ratio is the ratio remaining after the current dealer shares with a superior dealer; a calculation unit for calculating the product of the loan amount, the commission ratio, and the commission sharing ratio to obtain the loan commission of the dealer, and the loan commission is at least used for business analysis and account record.

[0013] According to still another aspect of the present application, there is provided a computer program product including a computer program, and when the computer program is executed by a processor, it implements the steps of any one of the methods for determining a loan commission.

[0014] According to yet another aspect of the present application, there is provided a commission generation system, including: one or more processors, a memory, and one or more programs, where the one or more programs are stored in the memory and are configured to be executed by the one or more processors, and the one or more programs include those for executing any one of the methods for determining a loan commission.

[0015] By applying the technical solution of the present application, the commission for each loan with a loan balance can be automatically calculated based on the loan information and the configured commission ratio of the dealer. This automated processing method greatly reduces the labor cost and participation, reduces the labor cost, and can avoid omissions and errors that may occur in the traditional manual calculation process, greatly improving the accuracy of commission calculation. Description of the Drawings

[0016] The specification drawings constituting a part of the present application are used to provide a further understanding of the present application. The illustrative embodiments of the present application and their descriptions are used to explain the present application and do not constitute an improper limitation to the present application. In the drawings:

[0017] Figure 1 The hardware structure block diagram of a mobile terminal for implementing a method for determining loan commissions provided in an embodiment of the present application is shown;

[0018] Figure 2 The schematic flowchart of a method for determining loan commissions provided in an embodiment of the present application is shown;

[0019] Figure 3 The overall flowchart of the present solution is shown;

[0020] Figure 4 The schematic flowchart of the loan information processing is shown;

[0021] Figure 5 The schematic flowchart of the dealer configuration is shown;

[0022] Figure 6 The schematic flowchart of the commission calculation is shown;

[0023] Figure 7 The structure block diagram of a device for determining loan commissions provided in an embodiment of the present application is shown.

[0024] Among them, the above-mentioned drawings include the following reference numerals:

[0025] 102. Processor; 104. Memory; 106. Transmission device; 108. Input / output device. Detailed implementation manners

[0026] It should be noted that, without conflict, the embodiments in the present application and the features in the embodiments may be combined with each other. The present application will be described in detail below with reference to the drawings and in combination with the embodiments.

[0027] In order to enable those skilled in the art to better understand the solution of the present application, the technical solutions in the embodiments of the present application will be clearly and completely described below with reference to the drawings in the embodiments of the present application. Obviously, the described embodiments are only a part of the embodiments of the present application, rather than all the embodiments. All other embodiments obtained by those of ordinary skill in the art based on the embodiments in the present application without creative efforts shall fall within the protection scope of the present application.

[0028] It should be noted that the terms "first", "second", etc. in the specification and claims of the present application and the above-mentioned drawings are used to distinguish similar objects and are not necessarily used to describe a specific order or sequential order. It should be understood that the data used in this way can be interchanged where appropriate, so that the embodiments of the present application described here. In addition, the terms "including" and "having" and any of their variations are intended to cover non-exclusive inclusions. For example, a process, method, system, product or device that includes a series of steps or units is not necessarily limited to those steps or units clearly listed, but may include other steps or units that are not clearly listed or inherent to these processes, methods, products or devices.

[0029] For ease of description, some nouns or terms involved in the embodiments of the present application are explained below:

[0030] Distributors: These are commercial intermediaries between banks and loan customers, providing loan collateral (or income) and sharing loan risks. They help banks promote their business and expand their customer base while providing customers with convenient loan channels, purchase, and after-sales services.

[0031] Commission: When a dealer recommends or provides a bank's loan application channels to a customer, the bank, while making a profit from the loan interest, pays the dealer a fee in accordance with the proportion or amount agreed upon in advance with the dealer.

[0032] Commission Ratio: In loan transactions initiated and disbursed by a dealer, the commission ratio is the percentage of the loan amount that the dealer receives from the bank. The commission ratio is also the fixed amount of commission that the dealer receives from the bank for each loan transaction. In this article, except for special scenarios, the two are not differentiated.

[0033] Subsidized loan: A loan provided by a bank to specific clients or projects in order to promote the development of certain economic sectors. Its characteristic is that the loan interest rate is lower than the market interest rate, and the bank usually provides interest rate subsidies to support the development of specific sectors.

[0034] High and low interest rate loans: When banks provide loans to customers, they divide the interest rates into high interest rate and low interest rate loans based on multiple factors such as the customer's credit status and risk assessment.

[0035] Currently, there are two main methods for calculating the total commission amount:

[0036] Manual calculation: Most banks use this method, which requires manually entering data such as "loan amount", "loan term", "loan type", "interest calculation method", "trusted payment account", "social credit code", and "commission ratio" into an EXCEL spreadsheet. After performing basic calculations using the spreadsheet's built-in formulas, the total commission for each transaction is obtained.

[0037] Single-threaded configuration calculation: Refine the basic operations used in the manual calculation method at the system level. Still, parameters such as "commission ratio" and "loan term" of the business need to be manually entered. The system calculates the total commission of each business in a single-threaded manner.

[0038] For the scenario where the head office and branch offices of the dealer are divided according to the company system, it is still necessary to manually split the total commission according to the sharing ratio, and then divide a single branch transaction into 2 transactions and pay them to the head office and branch offices respectively.

[0039] Specifically, there are two processing methods for the "calculation of the total business commission" link in the existing solution:

[0040] Manual calculation: Facing a large number of loan businesses and different commission ratio matching rules, not only is the calculation volume huge, but also the calculation personnel need to proficiently remember various commission calculation rules of different dealers in different scenarios, which requires extremely high capabilities in all aspects of the calculation personnel.

[0041] Single-threaded configuration calculation: It is necessary to manually enter parameters such as "commission ratio" and "loan term" of each business in the system, and calculate the total commission of each business in a single-threaded manner, without solving the problem of manual verification of complex commission calculation rules.

[0042] For the processing of the business model of the head office and branch offices of the dealer, the existing technical methods mainly have the following two problems:

[0043] It is necessary for the processing personnel to clarify the head-office and branch structure and sharing ratio among dealers, which not only increases the manual workload, but also cannot guarantee the accuracy of the data.

[0044] When counting the commission data of all branch offices under the head office, it is necessary to manually associate and summarize the commission data of the head office and branch offices, with low processing efficiency and the problem of data accuracy decline due to manual intervention.

[0045] As introduced in the background technology, in the prior art, the amount of loan commission of dealers is calculated manually, with high labor costs and prone to errors. To solve the above problems, the embodiments of the present application provide a method, device, computer program product and commission generation system for determining loan commission.

[0046] Next, the technical solutions in the embodiments of the present invention will be clearly and completely described in conjunction with the accompanying drawings in the embodiments of the present invention.

[0047] 1]The method embodiments provided in the embodiments of the present application can be executed on a mobile terminal, a computer terminal or a similar computing device. Taking running on a mobile terminal as an example, Figure 1The following is a hardware structure block diagram of a mobile terminal for a method of determining loan commissions according to an embodiment of the present invention. As Figure 1 shown, the mobile terminal may include one or more ( Figure 1 only one is shown in the figure) processors 102 (the processor 102 may include, but is not limited to, a processing device such as a microprocessor MCU or a programmable logic device FPGA) and a memory 104 for storing data. Among them, the above mobile terminal may further include a transmission device 106 for communication functions and an input / output device 108. Those of ordinary skill in the art can understand that Figure 1 the structure shown is only schematic and does not limit the structure of the above mobile terminal. For example, the mobile terminal may further include more or fewer components than Figure 1 shown in the figure, or have a different configuration from Figure 1 shown in the figure.

[0048] The memory 104 can be used to store computer programs. For example, software programs and modules of application software, such as the computer program corresponding to the display method of device information in the embodiment of the present invention. The processor 102 executes various functional applications and data processing by running the computer program stored in the memory 104, that is, implements the above method. The memory 104 may include a high-speed random access memory, and may further include a non-volatile memory, such as one or more magnetic storage devices, flash memories, or other non-volatile solid-state memories. In some instances, the memory 104 may further include a memory remotely disposed relative to the processor 102, and these remote memories may be connected to the mobile terminal through a network. Examples of the above network include, but are not limited to, the Internet, an enterprise intranet, a local area network, a mobile communication network, and combinations thereof. The transmission device 106 is used to receive or send data via a network. Specific examples of the above network may include a wireless network provided by a communication provider of the mobile terminal. In one instance, the transmission device 106 includes a network adapter (Network Interface Controller, abbreviated as NIC), which can be connected to other network devices through a base station and thus communicate with the Internet. In one instance, the transmission device 106 may be a radio frequency (Radio Frequency, abbreviated as RF) module, which is used to communicate with the Internet wirelessly.

[0049] In this embodiment, a method for determining loan commissions running on a mobile terminal, a computer terminal, or a similar computing device is provided. It should be noted that the steps shown in the flowchart of the accompanying drawings can be executed in a computer system such as a set of computer-executable instructions, and although the logical order is shown in the flowchart, in some cases, the steps shown or described can be executed in a different order than here.

[0050] Figure 2 is a schematic flowchart of a method for determining loan commissions according to an embodiment of the present application. As Figure 2 shown, the method includes the following steps:

[0051] Step S201, obtain loan information, where the loan information is information on a user's loan from a financial institution, and the loan information includes at least the loan amount;

[0052] Specifically, relevant information on a user's loan application to a financial institution will first be collected and processed. This information includes at least the loan amount, but usually may also contain other key details, such as the loan interest rate, loan term, repayment method, loan product type, etc. The acquisition of loan information is the basis for calculating commissions because the amount of commissions is often directly linked to the loan amount and is sometimes also affected by other loan parameters.

[0053] Step S202, obtain commission information, where the commission information is information on the commission rate of a dealer and the commission sharing ratio of the dealer, where the commission rate is the ratio for allocating commissions to the dealer, and the commission sharing ratio is the ratio remaining after the current dealer shares with its superior dealer;

[0054] Specifically, commission information related to the dealer will be obtained. Commission information includes two main parts: one is the commission rate, which is the ratio of the commission allocated by the bank to the dealer based on the agreement to the loan amount; the other is the commission sharing ratio, which specifically refers to the ratio of the branch company sharing commissions with its superior (usually the head office) in the head office - branch operation model, that is, among the commissions obtained by the branch company, a specific proportion needs to be handed over to the head office, and the remaining part belongs to the branch company. This part of the information is crucial for calculating the actual commissions that the dealer should receive because it defines the financial relationships between the bank and the dealer and among the dealers (in the head office - branch operation model).

[0055] Step S203, calculate the product of the loan amount, the commission rate, and the commission sharing ratio to obtain the loan commission of the dealer, and the loan commission is at least used for business analysis and accounting records.

[0056] Specifically, the actual commission calculation will be carried out. The calculation process involves the product of three key values: the loan amount, the commission rate, and the commission sharing ratio (if applicable). First, calculate the product of the loan amount and the commission rate to obtain the total original commission that the dealer should receive. If the dealer is a branch company and there is a commission sharing ratio, then further multiply the total original commission by the commission sharing ratio to determine the final commission amount that the branch company should receive. This calculation result, that is, the loan commission, will be used for at least the following two aspects:

[0057] Business Analysis: Commission data can help banks analyze loan performance, assess dealer contributions, and optimize commission distribution strategies to improve efficiency and profitability. Analyze each dealer's total loan volume and commission income to assess their contribution to the bank's loan business. Comparing commission rates and business volumes across dealers can help identify highly efficient partners—those with relatively low commission costs but high loan volumes.

[0058] Accounting records: Accurate calculation of loan commissions is an important part of a bank's financial accounting records, ensuring compliant financial operations and supporting audit and tax reporting requirements.

[0059] Through this embodiment, the commission for each loan with a balance of loan 1 can be automatically calculated based on the loan information and the configured dealer commission ratio. This automated processing method greatly reduces labor costs and participation, reduces labor costs, and can avoid omissions and errors that may occur in traditional manual calculation processes, greatly improving the accuracy of commission calculations.

[0060] Specifically, the solution in this application provides multiple, flexibly configurable commission calculation models for calculating total commissions, adapting to different loan scenarios and the differences in commission calculation rules between different dealers. Furthermore, it supports online batch calculation of commissions without manual intervention, eliminating the need for manual verification of complex commission calculation rules.

[0061] Specifically, the calculated loan commission is the basis for banks or financial institutions to pay dealers. When a dealer successfully recommends a customer for a loan and the loan is disbursed, the bank calculates the commission amount payable to the dealer based on pre-set commission calculation rules and then pays the dealer according to the agreed-upon time and method as compensation for their referral services.

[0062] Commission calculations are an essential part of a bank's financial records. Banks are required to record commission payments for each loan in their financial accounts. This is not only to comply with accounting and tax regulations, but also for internal audits and financial analysis, helping banks understand the impact of commission expenses on profits.

[0063] The commission calculation results can be used as a tool for banks to motivate dealers. By setting different commission ratios for different loan products and loan models, banks can guide dealers to recommend loan products with higher value or that are more in line with the bank's strategic goals, thereby optimizing the loan portfolio and increasing business volume.

[0064] By monitoring the total commission obtained by dealers, the bank can evaluate their business contribution and performance. Dealers with a higher total commission may mean that they have brought more high-quality loan business to the bank. Based on this data, the bank can adjust its cooperation strategy, such as increasing the commission ratio to further incentivize outstanding dealers.

[0065] Specifically, as Figure 3 shown, the above-mentioned solution proposed in this application consists of three modules, namely the loan information processing module, the dealer configuration module, and the commission calculation module.

[0066] The loan information processing module is used to connect to the big data platform to obtain various upstream business data required for commission calculation, mainly including basic loan information, entrusted payment information, institution-loan product information, and corporate customer information. It classifies, filters, splices the data, matches the entrusted payment account, and after extracting the valid data, outputs a wide table of loan information to be calculated for commission, which serves as the data source for the commission calculation module.

[0067] The dealer configuration module is used to configure the commission calculation rules at the dealer level and the association relationship between the head office and branches. It supports branches to selectively inherit the commission calculation rules of the head office according to the association relationship. At the same time, it sets the unique attribute "sharing ratio" of the branch to support the head office to obtain the commission share of the branch. The parameters involved include the loan mode list, inheriting the head office configuration parameters, and the commission calculation model ID.

[0068] The commission calculation module is used to calculate the commission amount for new loans. Based on the loan information output by the loan information processing module and the commission calculation rules set in the dealer configuration module (such as model type, business scale, interest rate parameters, commission ratio, impact factor parameters, etc.), it calculates, divides, and summarizes the commission amount for a single business and then outputs the total commission of each dealer within a single time period.

[0069] In the specific implementation process, obtaining loan information can be achieved through the following steps: obtaining multiple initial loan information, where at least the above-mentioned initial loan information includes entrusted payment information, and the above-mentioned entrusted payment information is the information of the user entrusting the above-mentioned dealer to loan; deleting the above-mentioned initial loan information with empty entrusted payment information among the multiple above-mentioned initial loan information to obtain the above-mentioned loan information.

[0070] In this solution, by deleting loan records without entrusted payment information, it is ensured that only loan data related to dealers is processed, thereby improving the accuracy and quality of the data. This is crucial for the accurate calculation of commissions, avoiding commission payment errors caused by data errors. Excluding irrelevant loan data means that there is no need to calculate commissions for all loan records, but only to process valid dealer loan information, which significantly reduces the consumption of computing resources and improves computing efficiency.

[0071] Specifically, the automated system collects a series of original loan information datasets from the database or upstream systems. These initial loan information includes various details of users' loan applications to financial institutions, including but not limited to loan amount, loan term, interest rate, repayment method, loan product type, and entrusted payment information, etc.

[0072] Entrusted payment information is a specific record of users' loan applications to banks through dealers, indicating that the loan application is made through the dealer channel. This information usually includes the name of the dealer, social credit code, entrusted payment account number, etc., as well as the relevance between the loan and the dealer. In this process, entrusted payment information is the key to determining whether a loan is through the dealer channel.

[0073] Among the obtained initial loan information, the entrusted payment information field of each record will be checked. If this field is empty, it means that this loan is not completed through the dealer channel and is therefore irrelevant to the automated commission calculation. These loan records without entrusted payment information will be automatically excluded, and only those loan records containing valid entrusted payment information will be retained.

[0074] After the above screening process, the remaining loan information is the valid data source for subsequent automated commission calculation. These loan information includes all loan records completed through the dealer channel, thus ensuring the pertinence and accuracy of commission calculation.

[0075] Specifically, the above process of loan information processing is as Figure 4 shown. At the end of each day, incremental loan information, incremental entrusted payment information, incremental corporate customer information, and full-volume institutional-loan product breakdown information are obtained from each upstream system.

[0076] Incremental loan information includes: loan number, loan product number, business handling institution number, loan disbursement time, loan term, loan interest rate, etc.

[0077] Incremental entrusted payment information includes: loan number, entrusted payment account number, entrusted payment amount, etc.

[0078] Incremental corporate customer information includes: corporate customer number, corporate customer name, entrusted payment account number, social credit code, etc.

[0079] The sub-item information of the institution - loan product includes: institution information, loan product numbers under the institution, etc.;

[0080] Update the corporate customer information and the sub-item configuration information of the institution - loan product; screen and classify the incremental loan information according to the institution dimension; associate the entrusted payment information with the classified loan information according to the loan number field, that is, match the loan information with the entrusted payment information according to the loan number. And filter out the loan information without entrusted payment association information; associate and match the corporate customer information with the loan information supplemented with entrusted payment information according to the entrusted payment account field, and filter out the loan information whose entrusted payment account is not maintained in the corporate customer information.

[0081] In some embodiments, obtaining commission information can be specifically achieved through the following steps: obtain the first loan mode information, where the above-mentioned first loan mode information is information on whether the loan is a discounted loan; in the case where the above-mentioned first loan mode information indicates that the loan is a discounted loan, determine that the above-mentioned commission ratio is the first commission ratio; in the case where the above-mentioned first loan mode information indicates that the loan is a non - discounted loan, determine that the above-mentioned commission ratio is the second commission ratio, where the above-mentioned first commission ratio is less than the above-mentioned second commission ratio.

[0082] In this solution, by automatically judging the loan mode and determining the commission ratio accordingly, a large amount of loan information can be processed quickly and accurately, further avoiding the inefficiency and potential errors of manual judgment, and further improving the efficiency and accuracy of commission calculation.

[0083] Specifically, it is first necessary to judge whether the loan belongs to the discounted loan mode. A discounted loan is a type of loan provided by a bank at an interest rate lower than the market rate to support a specific field or customer, and usually the interest subsidy is provided by other institutions. This judgment is based on the information of the loan product itself, such as interest rate, loan type code, etc., which can indicate whether a certain loan is a discounted loan.

[0084] If the loan is a discounted loan, determine that the commission ratio is the first commission ratio. Usually, this ratio is relatively low because the interest income of the discounted loan is low, and the commission that the bank is willing to pay is also relatively small. If the loan is a non - discounted loan, determine that the commission ratio is the second commission ratio, which is generally higher than the first commission ratio because the interest income of the non - discounted loan is high, and when dealers recommend such loans, the commission that the bank is willing to pay is also correspondingly high.

[0085] Suppose in the mortgage loan products of a certain bank, the discounted loan product is Product A, with its benchmark interest rate set at 4%, and the non-discounted loan product is Product B, with its benchmark interest rate set at 6%. The bank and the dealer have an agreement that for the discounted loan product A, the dealer's commission rate is the first commission rate, set at 1%; for the non-discounted loan product B, the dealer's commission rate is the second commission rate, set at 2%.

[0086] On a certain day, the bank's automated system, through the interface with the big data platform, received the following loan information supplements:

[0087] Loan Information 1: The product number is A, the loan amount is 100,000 yuan, the loan release date is March 10, 2023, the loan term is 36 months, and the loan interest rate is 3.5% (less than the benchmark interest rate of Product A, belonging to the discounted loan).

[0088] Loan Information 2: The product number is B, the loan amount is 150,000 yuan, the loan release date is March 11, 2023, the loan term is 48 months, and the loan interest rate is 6% (equal to the benchmark interest rate of Product B, belonging to the non-discounted loan).

[0089] For Loan Information 1, the system identifies that the product number is A, and the loan interest rate of 3.5% is lower than the benchmark interest rate of 4%, and it is judged as the discounted loan mode.

[0090] For Loan Information 2, the system identifies that the product number is B, and the loan interest rate is equal to the benchmark interest rate, and it is judged as the non-discounted loan mode.

[0091] For Loan Information 1 (discounted loan), the commission rate is determined as the first commission rate, that is, 1%.

[0092] For Loan Information 2 (non-discounted loan), the commission rate is determined as the second commission rate, that is, 2%.

[0093] Calculation of the commission for Loan Information 1: The loan amount is 100,000 yuan, and the commission rate is 1%, so the loan commission is 100,000 yuan × 1% = 1,000 yuan.

[0094] Calculation of the commission for Loan Information 2: The loan amount is 150,000 yuan, and the commission rate is 2%, so the loan commission is 150,000 yuan × 2% = 3,000 yuan.

[0095] In the specific implementation process, the commission information can be obtained through the following steps: Obtain the second loan mode information, where the above-mentioned second loan mode information is the information classified by interest rate; when the above-mentioned second loan mode information indicates that the loan is at the first interest rate, determine that the above-mentioned commission ratio is the third commission ratio; when the above-mentioned second loan mode information indicates that the loan is at the second interest rate, determine that the above-mentioned commission ratio is the fourth commission ratio, where the above-mentioned first interest rate is higher than the above-mentioned second interest rate, and the above-mentioned third commission ratio is greater than the above-mentioned fourth commission ratio.

[0096] In this solution, by linking the commission ratio to the loan interest rate, the commission expenditure can be controlled more precisely, avoiding paying excessive commissions on low-interest-rate loans, thereby optimizing the overall financial cost. It can automatically identify the interest rate classification of the loan and determine the applicable commission ratio accordingly, avoiding the cumbersome process of manual judgment and input, and improving the efficiency and accuracy of commission calculation.

[0097] Specifically, it is first necessary to obtain the second loan mode information of the loan. Here, the "second loan mode information" specifically refers to the classification information of the loan interest rate, that is, whether the loan is classified as a high interest rate (the first interest rate) or a low interest rate (the second interest rate).

[0098] According to the interest rate classification information of the loan, the applicable commission ratio is automatically determined. If the loan belongs to the high interest rate category (the first interest rate), the system determines that the commission ratio is the third commission ratio. Usually, this ratio is relatively high because high-interest-rate loans mean that the bank obtains higher interest income from the loan, so it is willing to pay a higher commission to the dealer to encourage it to recommend such loans to customers. On the contrary, if the loan belongs to the low interest rate category (the second interest rate), the system determines that the commission ratio is the fourth commission ratio, which is lower than the third commission ratio because the interest income of low-interest-rate loans is relatively low, and the bank needs to control the commission cost.

[0099] Suppose the bank's mortgage loan products include high- and low-interest-rate loan modes, where the first interest rate (high interest rate) is set at 8% and the second interest rate (low interest rate) is set at 6%. And the commission ratios agreed upon by the bank and the dealer are: for the first interest rate (high interest rate) loan, the commission ratio is the third commission ratio, set at 2.5%; for the second interest rate (low interest rate) loan, the commission ratio is the fourth commission ratio, set at 1.5%.

[0100] The bank's automated system receives the following loan information through the internal data interface on a certain day:

[0101] Loan Information 1: The loan amount is 300,000 yuan, the loan disbursement date is March 15, 2023, the loan term is 60 months, and the loan interest rate is 8%.

[0102] Loan Information 2: The loan amount is 200,000 yuan, the loan disbursement date is March 16, 2023, the loan term is 48 months, and the loan interest rate is 6%.

[0103] For Loan Information 1, the system identifies the loan interest rate as 8%, which belongs to the first interest rate (high interest rate) loan mode. Therefore, the commission rate is determined to be the third commission rate, i.e., 2.5%.

[0104] For Loan Information 2, the system identifies the loan interest rate as 6%, which belongs to the second interest rate (low interest rate) loan mode. Therefore, the commission rate is determined to be the fourth commission rate, i.e., 1.5%.

[0105] Commission calculation for Loan Information 1: The loan amount is 300,000 yuan and the commission rate is 2.5%. Therefore, the loan commission is 300,000 yuan × 2.5% = 7,500 yuan.

[0106] Commission calculation for Loan Information 2: The loan amount is 200,000 yuan and the commission rate is 1.5%. Therefore, the loan commission is 200,000 yuan × 1.5% = 3,000 yuan.

[0107] Specifically, in accordance with the principle that the higher the "actual interest rate" of the loan, the greater the profit of the bank and the higher the commission rate, it supports the commission rate path rule matching for two loan modes: the "interest subsidy loan" scenario and the "high-low interest rate loan" scenario.

[0108] Specifically, this solution provides a configurable commission rate matching model for common loan scenarios, automatically matching different commission rates according to different loan modes and model parameters. It not only effectively reduces the commission cost of low-profit loans, but also greatly reduces labor costs and participation, improving the accuracy and efficiency of commission matching.

[0109] In some embodiments, obtaining commission information can be specifically achieved through the following steps: obtaining accounting-related information, where the above accounting-related information includes one or more of the total loan amount, the total number of loan transactions, the amount of a single loan, and the loan term; determining the above commission rate according to the above accounting-related information, where the total loan amount has a positive correlation with the above commission rate, the total number of loan transactions has a positive correlation with the above commission rate, the amount of a single loan has a positive correlation with the above commission rate, and the loan term has a positive correlation with the above commission rate.

[0110] In this solution, the commission rate can be automatically adjusted according to the scale and nature of the loan, which helps the bank achieve more refined commission cost management. It can automatically analyze loan data and dynamically adjust the commission rate based on accounting-related information, avoiding the cumbersome manual operations and possible errors, and improving the efficiency of commission calculation and payment.

[0111] Specifically, first, it is necessary to obtain the accounting information related to loan commission calculation, including but not limited to the total loan amount, the total number of loan transactions, the amount of each individual loan, and the loan term. This information is extracted from the loan data, respectively reflecting the loan scale, the number of business transactions, the size of each individual loan, and the long-term nature of the loans of the bank within a certain period of time.

[0112] Based on the obtained accounting-related information, the applicable commission rate is automatically determined. This determination mechanism is based on a positive correlation, that is, the higher the total loan amount, the total number of loan transactions, the amount of each individual loan, and the loan term, the higher the commission rate. For example, for the total loan amount, if the total loan amount of the bank within a certain period is relatively high, then the bank is willing to pay a higher commission rate to encourage the dealer to bring in more business; for the amount of each individual loan, if the amount of an individual loan is relatively large, the bank will also tend to pay a higher commission rate because large loans have higher utilization efficiency of the bank's funds and greater returns.

[0113] The positive correlation means that when the value of any one or more accounting-related information increases, the commission rate will also increase accordingly. This mechanism ensures that when the scale of the bank's loan business expands, the amount of each individual loan increases, the loan term extends, etc., the bank can reasonably increase the commission payment rate to mobilize the enthusiasm of the dealer, but at the same time, it also controls the commission cost through this dynamic adjustment mechanism to avoid excessive expenditure.

[0114] Suppose the bank has the following loan business data in the first quarter of 2023 (from January 1st to March 31st), and the commission rate adjustment mechanism agreed with the dealer is as follows:

[0115] Relationship between the total loan amount and the commission rate: When the total loan amount is less than 10 million yuan, the commission rate is 1%; when the total loan amount is between 10 million yuan and 20 million yuan (including 10 million yuan, excluding 20 million yuan), the commission rate is adjusted to 1.2%; when the total loan amount exceeds 20 million yuan, the commission rate is adjusted to 1.5%.

[0116] Relationship between the total number of loan transactions and the commission rate: When the total number of loan transactions is less than 100, the commission rate is 1%; when the total number of loan transactions is between 100 and 200 (including 100, excluding 200), the commission rate is adjusted to 1.2%; when the total number of loan transactions exceeds 200, the commission rate is adjusted to 1.5%.

[0117] Relationship between the amount of each individual loan and the commission rate: When the amount of an individual loan is less than 1 million yuan, the commission rate is 1%; when the amount of an individual loan is between 1 million yuan and 2 million yuan (including 1 million yuan, excluding 2 million yuan), the commission rate is adjusted to 1.2%; when the amount of an individual loan exceeds 2 million yuan, the commission rate is adjusted to 1.5%.

[0118] Relationship between loan term and commission rate: When the loan term is less than 24 months, the commission rate is 1%; when the loan term is between 24 and 48 months (including 24 months, excluding 48 months), the commission rate is adjusted to 1.2%; when the loan term exceeds 48 months, the commission rate is adjusted to 1.5%.

[0119] Suppose the total loan amount of the bank in the first quarter is 12 million yuan, the total number of loan transactions is 120, the average amount of each loan is 1 million yuan, and the average loan term is 36 months. Based on the total loan amount of 12 million yuan, the system determines the commission rate to be 1.2% because the total loan amount is between 10 million yuan and 20 million yuan. Based on the total number of loan transactions of 120, the system also determines the commission rate to be 1.2% because the total number of loan transactions is between 100 and 200. Based on the amount of each individual loan of 1 million yuan, the system determines the commission rate to be 1.2% because the amount of each individual loan is between 1 million yuan and 2 million yuan. Based on the average loan term of 36 months, the system determines the commission rate to be 1.2% because the loan term is between 24 and 48 months. After comparing the above four criteria for determining the commission rate, the system selects the highest commission rate as the final commission rate, which is 1.2%. Finally, the bank will calculate the total commission for the first quarter at a commission rate of 1.2% to pay the cooperating distributors.

[0120] In the first quarter, the bank issued a total of 120 loans, with an average of 1 million yuan per loan, a total loan amount of 12 million yuan, and an average loan term of 36 months. According to the above commission rate determination rules, the commission rate determined by the bank is 1.2%. Taking this as an example, suppose the total loan amount facilitated by the bank through the distributor channel in the first quarter is 12 million yuan, then the total commission that the bank should pay to the distributor is 12 million yuan * 1.2% = 144,000 yuan.

[0121] In the specific implementation process, to obtain the commission information, it can be achieved through the following steps: Obtain the association relationship, where the above association relationship is the subordinate relationship between multiple above-mentioned distributors; according to the above association relationship, construct a tree diagram, where the above-mentioned superior distributor is located at the upper leaf node of the above-mentioned subordinate distributor; obtain the preset sharing information, where the above-mentioned preset sharing information is the ratio information for the above-mentioned subordinate distributor to allocate commissions to the above-mentioned superior distributor; according to the above tree diagram, find all the above-mentioned superior distributors of the current above-mentioned distributor, and determine the sharing ratio of all the above-mentioned superior distributors according to the above preset sharing information; calculate the difference between the preset percentage and the above sharing ratio to obtain the above commission sharing ratio corresponding to the current above-mentioned distributor.

[0122] In this solution, by constructing a tree diagram structure of dealers, the commission allocation problem under a complex head-office and branch operation model can be automatically identified and processed, greatly reducing manual operations and improving efficiency and accuracy.

[0123] Specifically, it is first necessary to obtain and identify the association relationships among multiple dealers, including the superior-subordinate relationships between dealers, that is, the branch companies of the head office or the superior dealers of the branch companies. This association relationship determines the commission allocation method.

[0124] Based on the obtained association relationships, construct a tree diagram structure to visually display the hierarchical relationships among various dealers. In the tree diagram, the superior dealer is located above the subordinate dealer and is represented by a leaf node. This structure can clearly reflect the relationship between the head office and branch companies, facilitating the system to track and manage the commission allocation.

[0125] The preset sharing ratio for each subordinate dealer to allocate commissions to the superior dealer can be read. This sharing ratio is usually set according to the company's internal policies or contract agreements, reflecting the commission share that the branch company is willing to pay to the head office.

[0126] All superior dealers (including direct and indirect superiors) of the current dealer can be found according to the constructed tree diagram, and the sharing ratio of each superior dealer can be determined based on the preset sharing information. This is achieved by recursively searching upward in the tree structure and accumulating the sharing ratios of each superior dealer.

[0127] Calculate the commission sharing ratio of the current dealer, which involves comparing the difference between the preset sharing information and the sharing ratio automatically determined by the system, and then obtaining the specific ratio for the current dealer to allocate commissions to all its superior dealers. This calculation ensures the fairness and transparency of the commission allocation.

[0128] Specifically, first, the basic information of each dealer (including the head office and all branch companies), such as the social credit code, dealer name, entrusted payment account, etc., needs to be entered into the system. For branch companies, the information of their affiliated head office also needs to be additionally entered. Usually, this information can be the social credit code or dealer ID of the head office. The head office information is used as the root node of the tree structure, while the information of each branch company is used as the leaf node. The process of constructing the tree structure depends on the head office information provided during the entry of the branch company. By identifying the association between the head office and branch companies, a tree structure representing the subordinate relationship is automatically constructed. Once the tree structure is established, it is possible to identify the head office corresponding to each branch company by traversing each node in the tree structure, thus ensuring that the superior institution of the branch company can be accurately associated during the commission calculation and allocation. At the same time, the tree structure is also convenient for subsequent modification and maintenance, such as adding new branch companies and adjusting the subordinate relationship.

[0129] In the dealer configuration module, a unique commission sharing ratio is set for each branch company. This ratio is set within the range of 0 to 100%, indicating that the branch company needs to remit a certain portion of the commission it obtains to the head office. When the branch company configures its sharing ratio, it can selectively inherit certain configurations of the head office while overriding the head office's settings on the sharing ratio. This means that the branch company can remain consistent with the head office in other attributes, but can have its own specific rules for commission sharing. When the commission calculation module performs the calculation, it will first calculate the total commission for each loan business based on the loan information and the dealer's configuration information. Then, for the loan business facilitated by the branch company, a portion of the total commission will be allocated to the head office according to the previously set sharing ratio, while the remaining portion will belong to the branch company. This process is automated and does not require manual intervention, ensuring the accuracy and immediacy of commission distribution. It also supports summarizing the commissions of the head office and each branch company within a specific time period to generate a detailed commission statement, which is convenient for financial auditing and reconciliation. The statement will list in detail the total commission of each dealer and the final commission distribution adjusted according to the subordination relationship and sharing ratio.

[0130] Specifically, in the "commission sharing" link of the solution of this application, the root node and leaf nodes of the tree structure are used to represent the subordination relationship of multiple dealers at the head office and branch company levels, realizing the distinction in business volume and commission calculation statistics, as well as the association and summary of commission sharing and company reconciliation. It not only solves the problem that the actual commission reconciliation scenario is inconsistent with the actual payment scenario, but also improves the commission calculation efficiency and result accuracy to a certain extent.

[0131] Specifically, the process of dealer configuration is as Figure 5 shown, and the specific process is as follows:

[0132] 1) Configure the basic information of the dealer (head office), including: dealer name, social credit code, entrusted payment account number, tax rate. Support reverse display after querying the "dealer name" and "entrusted payment account number" according to the "social credit code".

[0133] 2) Set the loan mode list of this dealer (① discount loan mode, ② high-low interest rate loan mode), and associate all loan product numbers under the institution with the loan mode according to the "institution-product breakdown table". The specific configuration execution rules are as follows:

[0134] ① Discount loan mode: Configure the benchmark interest rate. When a single loan belongs to the discount loan mode, compare the loan interest rate with the benchmark interest rate. If the loan interest rate ≠ (usually <) the benchmark interest rate, it is a discount loan and the commission ratio is relatively low; if the loan interest rate = the benchmark interest rate, it is a non-discount loan and the commission ratio is relatively high;

[0135] ② High and low interest rate loan model: Configure high interest rate and low interest rate (compatible with single interest rate) respectively. When a single loan belongs to the high and low interest rate loan model, compare the loan interest rate with the benchmark interest rate. If the loan interest rate = high interest rate, it is a high interest rate loan and the commission ratio is relatively high; if the loan interest rate = low interest rate, it is a low interest rate loan and the commission ratio is relatively low.

[0136] 3) According to the loan model list involved by the dealer and the influencing factors affecting the commission calculation of the dealer, select the corresponding calculation model and configure each parameter. The specific configuration rules are as follows:

[0137] ① Calculation method: There are two types, namely single loan amount × commission ratio and single loan fixed amount;

[0138] ② Total loan amount: Divide the total loan amount lent by this model within a single effective time period into different intervals, and configure the commission ratio according to different intervals respectively. The higher the total amount, the larger the commission ratio;

[0139] ③ Total number of loan transactions: Divide the total number of loan transactions lent by this model within a single effective time period into different intervals, and configure the commission ratio according to different intervals respectively. The more the total number of transactions, the larger the commission ratio;

[0140] ④ Single loan amount: Divide the loan amount of a single loan into different intervals, and configure the commission ratio according to different intervals respectively. The higher the loan amount, the larger the commission ratio;

[0141] ⑤ Loan term: Divide the loan term of a single loan into different intervals, and configure the commission ratio according to different intervals respectively. The longer the loan term, the larger the commission ratio;

[0142] ⑥ When only a single loan model is involved, only a single commission calculation model needs to be configured. If two loan models are involved, the commission calculation models for the two loan models need to be configured separately.

[0143] 4) Configure the dealer information of the branch companies under the head office, configure the parameters of the commission calculation model. The basic information configuration is the same as that of the head office, and the interest rate, loan type list and commission calculation model can selectively inherit the configuration information of the head office. Set the head office-branch relationship and the inheritance rules between associated companies, including inherited tax information, loan type list, commission calculation model, etc.

[0144] 5) Set the commission sharing ratio of the branch company to the head office, with the interval being [0, 100%]. The sharing ratio ÷ attribute is the commission sharing ratio to the head office.

[0145] 6) Set the effective time of this model.

[0146] Specifically, by extracting 5 common influencing factors of the commission rate and combining and arranging the 5 influencing factors according to the business scenario, 20 models can be customized and configured, which can flexibly adapt to most commission calculation scenarios. The models refined from the combined influencing factors can cover most of the commission calculation scenarios, and the automatic calculation of commissions can be realized through model selection and simple configuration. It can effectively stimulate the enthusiasm of dealers, assist banks in expanding the loan scale, and improving the loan quality.

[0147] Specifically, the subordinate relationship between the business models of the head office and branch offices is represented by root nodes and leaf nodes, which supports branch offices to inherit the attribute configuration of the head office, and sets the unique "sharing ratio" attribute of the branch office, and allocates the commission of the branch office proportionally under the head office. Representing the business models of the head office and branch offices of dealers in a tree structure can support branch offices to inherit the configuration parameters of the head office, reducing the operation difficulty and error frequency. At the same time, it can automatically allocate the business commissions of branch offices proportionally under the head office according to the "sharing ratio" attribute of the branch offices, solve the problem of inconsistency between the commission reconciliation scenario and the actual payment scenario, and improve the calculation efficiency.

[0148] In some embodiments, after obtaining the commission information, the above method further includes the following steps: constructing a commission distribution model, where the commission distribution model is trained using multiple sets of training data, and each set of training data in the multiple sets of training data includes historical loan information, historical commission information, and historical loan commissions corresponding to the historical loan information and the historical commission information obtained within a historical time period; inputting the loan information and the commission information into the commission distribution model to obtain the loan commissions corresponding to the loan information and the commission information.

[0149] In this solution, by constructing a commission distribution model, intelligent prediction can be performed based on historical data, and loan commissions can be automatically estimated. This not only saves labor costs, but also improves the accuracy and efficiency of prediction, and reduces the errors that may be caused by manual calculation.

[0150] Specifically, first, by collecting and processing a large amount of historical data, including loan information (such as loan amount, loan term, loan interest rate, etc.), commission information (such as commission rate, total commission, etc.) within a historical time period, and historical loan commissions (that is, the total commission actually calculated based on historical loan information and commission information), a machine learning model is trained using these historical data so that it can learn the complex relationship between loan information, commission information, and loan commissions.

[0151] Multiple sets of training data are used in the training process, and each set of data includes historical loan information, historical commission information, and historical loan commissions between the two. This means that the model is trained based on multiple combinations of historical data and can process loan and commission data in different scenarios.

[0152] Once the model is trained, new loan information and commission information can be input into the model, and the model will predict the corresponding loan commission based on the learned pattern.

[0153] In addition, the commission calculation process of this plan is as follows Figure 6 As shown, including the following:

[0154] 1. When the set commission calculation time node is reached, start traversing the incremental loan information wide table according to the "institution" dimension.

[0155] 2. Match the loan information with the commission calculation model. The matching rules are:

[0156] ① The corporate customer information associated with the loan information is consistent with the basic information configured by the dealer, and the social credit code can generally be used for verification;

[0157] ② The loan disbursement time is greater than the effective time of the commission calculation model and less than the effective time of the next commission calculation model.

[0158] 3. Enter the parameters required for commission calculation based on the influencing factors involved in the matched commission calculation model. The model will automatically match several parameter ranges under the model and determine the commission ratio based on the loan model and loan interest rate:

[0159] ① Input parameters include: loan disbursement time, number of loan periods, total loan amount within a single effective period of this model, single loan amount, total loan amount within a single effective period of this model, and commission calculation method;

[0160] ② Determine the loan model based on the loan product number and determine the commission ratio / single loan commission amount based on the interest rate comparison rules configured for the loan model.

[0161] 4. The model calculates the commission amount for a single loan based on the input parameters;

[0162] 5. Calculate the total amount of all commissions calculated by the statistical model within a single effective time period, and allocate the total commissions calculated by each model to the head office in proportion based on the relationship between the head office and branches and the commission ratio;

[0163] 6. Summarize the commission amounts calculated for the same dealer in all models and output the dealer’s total commission amount for this time period.

[0164] In summary, for the solution proposed in this application, on the one hand, by providing a variety of flexible and configurable commission calculation models, the differences in commission calculation rules between different loan scenarios and different dealers are matched, reducing the capital cost of the bank in commission expenditures; on the other hand, through a tree structure, it supports the business model of multiple branch companies under the head office, associates multiple dealers belonging to the same head office, realizes the distinction in business volume and commission calculation statistics, as well as the association and aggregation in commission sharing and company reconciliation, reducing the degree of manual participation. This not only better fits the actual commission reconciliation scenario but also reduces human errors to a certain extent.

[0165] The embodiment of this application also provides a device for determining loan commissions. It should be noted that the device for determining loan commissions in the embodiment of this application can be used to execute the method for determining loan commissions provided in the embodiment of this application. The device is used to implement the above embodiments and preferred implementation manners, and those that have been described will not be repeated. As used below, the term "module" can be a combination of software and / or hardware that realizes a predetermined function. Although the devices described in the following embodiments are preferably implemented in software, implementation in hardware, or a combination of software and hardware is also possible and contemplated.

[0166] The following introduces the device for determining loan commissions provided in the embodiment of this application.

[0167] Figure 7 It is a structural block diagram of a device for determining loan commissions according to an embodiment of this application. As Figure 7 shown, the device includes:

[0168] A first acquisition unit 10, configured to acquire loan information, where the loan information is information on a user's loan from a financial institution, and the loan information includes at least the loan amount;

[0169] A second acquisition unit 20, configured to acquire commission information, where the commission information is information on the commission ratio of a dealer and the commission sharing ratio of the dealer, where the commission ratio is the ratio for allocating commissions to the dealer, and the commission sharing ratio is the ratio remaining after the current dealer shares with the superior dealer;

[0170] A calculation unit 30, configured to calculate the product of the loan amount, the commission ratio, and the commission sharing ratio to obtain the loan commission of the dealer, and the loan commission is at least used for business analysis and account record.

[0171] Through this embodiment, the commission for each loan with a loan balance can be automatically calculated based on the loan information and the configured commission ratio of the dealer. This automated processing method greatly reduces the labor cost and participation, reduces the labor cost, and can avoid the omissions and errors that may occur in the traditional manual calculation process, greatly improving the accuracy of commission calculation.

[0172] In the specific implementation process, the first acquisition unit includes a first acquisition module and a deletion module. The first acquisition module is used to acquire a plurality of initial loan information, wherein at least the entrusted payment information is included in the above-mentioned initial loan information, and the entrusted payment information is the information that the user entrusts the dealer to loan; the deletion module is used to delete the initial loan information with empty entrusted payment information among the plurality of above-mentioned initial loan information to obtain the above-mentioned loan information.

[0173] In this solution, by deleting the loan records without entrusted payment information, it can be ensured that only the loan data related to the dealer is processed, thereby improving the accuracy and quality of the data. This is crucial for the accurate calculation of the commission, avoiding commission payment errors caused by data errors. Excluding irrelevant loan data means that there is no need to calculate the commission for all loan records, and only the valid dealer loan information is processed, which significantly reduces the consumption of computing resources and improves the computing efficiency.

[0174] In some embodiments, the second acquisition unit includes a second acquisition module, a first determination module, and a second determination module. The second acquisition module is used to acquire the first loan mode information, where the first loan mode information is the information on whether the loan is a discounted loan; the first determination module is used to determine that the commission ratio is the first commission ratio when the first loan mode information indicates that the loan is a discounted loan; the second determination module is used to determine that the commission ratio is the second commission ratio when the first loan mode information indicates that the loan is a non-discounted loan, where the first commission ratio is less than the second commission ratio.

[0175] In this solution, by automatically judging the loan mode through an automated process and determining the commission ratio accordingly, a large amount of loan information can be processed quickly and accurately, further avoiding the inefficiency and potential errors of manual judgment, and further improving the efficiency and accuracy of commission calculation.

[0176] In the specific implementation process, the second acquisition unit includes a third acquisition module, a third determination module, and a fourth determination module. The third acquisition module is used to acquire second loan mode information, where the second loan mode information is information on loans classified by interest rate; the third determination module is used to determine that the commission ratio is the third commission ratio when the second loan mode information indicates that the loan is at the first interest rate; the fourth determination module is used to determine that the commission ratio is the fourth commission ratio when the second loan mode information indicates that the loan is at the second interest rate, where the first interest rate is higher than the second interest rate, and the third commission ratio is greater than the fourth commission ratio.

[0177] In this solution, by linking the commission ratio to the loan interest rate, the commission expenditure can be more finely controlled, avoiding overpayment of commissions on low-interest loans, thereby optimizing the overall financial cost. It can automatically identify the interest rate classification of loans and determine the applicable commission ratio accordingly, avoiding the cumbersome process of manual judgment and input, and improving the efficiency and accuracy of commission calculation.

[0178] In some embodiments, the second acquisition unit includes a fourth acquisition module and a fifth determination module. The fourth acquisition module is used to acquire accounting-related information, where the accounting-related information includes one or more of the total loan amount, the total number of loan transactions, the amount of a single loan, and the loan term; the fifth determination module is used to determine the commission ratio based on the accounting-related information, where the total loan amount is positively correlated with the commission ratio, the total number of loan transactions is positively correlated with the commission ratio, the amount of a single loan is positively correlated with the commission ratio, and the loan term is positively correlated with the commission ratio.

[0179] In this solution, the commission ratio can be automatically adjusted according to the scale and nature of the loan, which helps the bank achieve more refined commission cost management. It can automatically analyze loan data and dynamically adjust the commission ratio based on accounting-related information, avoiding the cumbersome manual operations and possible errors, and improving the efficiency of commission calculation and payment.

[0180] In the specific implementation process, the second acquisition unit includes a fifth acquisition module, a construction module, a sixth acquisition module, a search and determination module, and a calculation module. The fifth acquisition module is used to acquire an association relationship, where the association relationship is a subordinate relationship between superiors and subordinates among multiple dealers; the construction module is used to construct a tree diagram according to the association relationship, where the superior dealer is located at the upper leaf node of the subordinate dealer; the sixth acquisition module is used to acquire preset commission information, where the preset commission information is the ratio information of the subordinate dealer to distribute commissions to the superior dealer; the search and determination module is used to search for all the superior dealers of the current dealer according to the tree diagram, and determine the commission sharing ratios of all the superior dealers according to the preset commission information; the calculation module is used to calculate the difference between the preset percentage and the sharing ratio to obtain the commission sharing ratio corresponding to the current dealer.

[0181] In this solution, by constructing a tree diagram structure of dealers, it is possible to automatically identify and process the commission distribution problem in a complex head-office and branch operation model, greatly reducing manual operations and improving efficiency and accuracy.

[0182] In some embodiments, the above device further includes a construction unit and a processing unit. The construction unit is used to construct a commission distribution model, where the commission distribution model is trained using multiple sets of training data, and each set of training data in the multiple sets of training data includes historical loan information obtained within a historical time period, historical commission information, and historical loan commissions corresponding to the historical loan information and the historical commission information; the processing unit is used to input the loan information and the commission information into the commission distribution model to obtain the loan commissions corresponding to the loan information and the commission information.

[0183] In this solution, by constructing a commission distribution model, it is possible to perform intelligent prediction based on historical data and automatically estimate loan commissions. This not only saves labor costs, but also improves the accuracy and efficiency of prediction, and reduces errors that may be caused by manual calculation.

[0184] The above device for determining loan commissions includes a processor and a memory. The first acquisition unit, the second acquisition unit, the calculation unit, etc. are all stored in the memory as program units, and the processor executes the program units stored in the memory to implement corresponding functions. The above modules are all located in the same processor; or, the above modules are respectively located in different processors in any combination form.

[0185] The processor contains a kernel, which retrieves the corresponding program unit from the memory. One or more kernels can be set, and by adjusting the kernel parameters, the problem of calculating the loan commission of dealers through manual processing in the prior art can be solved, which has high labor costs and is prone to errors.

[0186] The memory may include non-permanent memory in a computer-readable medium, in the form of random access memory (RAM) and / or non-volatile memory, such as read-only memory (ROM) or flash memory (flash RAM), and the memory includes at least one memory chip.

[0187] An embodiment of the present invention provides a computer-readable storage medium, and the computer-readable storage medium includes a stored program. When the program runs, it controls the device where the computer-readable storage medium is located to execute the method for determining the loan commission.

[0188] An embodiment of the present invention provides a processor, and the processor is used to run a program. When the program runs, it executes the method for determining the loan commission.

[0189] An embodiment of the present invention provides a device, which includes a processor, a memory, and a program stored on the memory and executable on the processor. When the processor executes the program, it implements at least the steps of the method for determining the loan commission. The device herein can be a server, a PC, a PAD, a mobile phone, etc.

[0190] A computer program product includes a non-volatile computer-readable storage medium. The non-volatile computer-readable storage medium stores a computer program, and when the computer program is executed by a processor, it implements the steps of the method for determining the loan commission in various embodiments of the present application.

[0191] Obviously, those skilled in the art should understand that the above-mentioned modules or steps of the present invention can be implemented by a general-purpose computing device. They can be concentrated on a single computing device or distributed on a network composed of multiple computing devices. They can be implemented by program code executable by the computing device, so that they can be stored in a storage device and executed by the computing device. And in some cases, the steps shown or described can be executed in a different order than here, or they can be separately made into individual integrated circuit modules, or multiple modules or steps among them can be made into a single integrated circuit module to implement. Thus, the present invention is not limited to any specific combination of hardware and software.

[0192] Those skilled in the art should understand that the embodiments of the present application can be provided as a method, a system, or a computer program product. Therefore, the present application can take the form of a completely hardware embodiment, a completely software embodiment, or an embodiment combining software and hardware aspects. Moreover, the present application 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.

[0193] The present application 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 application. It should be understood that each flow and / or block in the flowchart and / or block diagram, and 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 Figure 1 one or more of the processes Figure 1 or blocks or a combination of blocks.

[0194] These computer program instructions can also be stored in a computer-readable memory that can direct a computer or other programmable data processing device 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 Figure 1 one or more of the processes Figure 1 or blocks or a combination of blocks.

[0195] These computer program instructions can also be loaded onto a computer or other programmable data processing device, so that a series of operation steps are executed on the computer or other programmable device to generate a computer-implemented process, and thus the instructions executed on the computer or other programmable device provide steps for realizing the functions specified in Figure 1 one or more of the processes Figure 1 or blocks or a combination of blocks.

[0196] In a typical configuration, a computing device includes one or more processors (CPUs), an input / output interface, a network interface, and memory.

[0197] The memory may include non-permanent memory in the form of computer-readable media, random access memory (RAM), and / or non-volatile memory, such as read-only memory (ROM) or flash memory (flash RAM). The memory is an example of computer-readable media.

[0198] A computer-readable medium includes permanent and non-permanent, removable and non-removable media that can implement information storage by any method or technology. The information can be computer-readable instructions, data structures, program modules, or other data. Examples of computer storage media include, but are not limited to, phase change memory (PRAM), static random access memory (SRAM), dynamic random access memory (DRAM), other types of random access memory (RAM), read-only memory (ROM), electrically erasable programmable read-only memory (EEPROM), flash memory or other memory technologies, compact disc read-only memory (CD-ROM), digital versatile disc (DVD) or other optical storage, magnetic cassette tapes, magnetic disk storage or other magnetic storage devices, or any other non-transitory medium that can be used to store information accessible by a computing device. As defined herein, a computer-readable medium does not include transitory computer-readable media, such as modulated data signals and carrier waves.

[0199] It should also be noted that the term "comprising", "including" or any other variant thereof is intended to cover non-exclusive inclusion, such that a process, method, article or device comprising a series of elements includes not only those elements but also other elements not expressly listed, or elements inherent to such process, method, article or device. Without further limitation, an element defined by the statement "comprising an..." does not exclude the presence of additional identical elements in the process, method, article or device comprising the element.

[0200] The foregoing is only a preferred embodiment of the present application and is not intended to limit the present application. For those skilled in the art, various changes and modifications can be made to the present application. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of the present application shall be included within the protection scope of the present application.

Claims

1. A method for determining loan commissions, characterized in that, Including: Obtain loan information, where the loan information is information on a user's loan from a financial institution, and the loan information at least includes the loan amount; Obtain commission information, where the commission information is information on the commission rate of a dealer and the commission sharing rate of the dealer, where the commission rate is the rate at which commissions are allocated to the dealer, and the commission sharing rate is the rate remaining after the current dealer shares commissions with its superior dealer; Calculate the product of the loan amount, the commission rate, and the commission sharing rate to obtain the loan commission of the dealer, and the loan commission is at least used for business analysis and accounting records.

2. The method according to claim 1, wherein Obtain loan information, including: Obtain multiple initial loan information, where the initial loan information at least includes entrusted payment information, and the entrusted payment information is information on the user entrusting the dealer to make a loan; Delete the initial loan information with empty entrusted payment information among the multiple initial loan information to obtain the loan information.

3. The method according to claim 1, wherein Obtain commission information, including: Obtain first loan mode information, where the first loan mode information is information on whether the loan is a discounted loan; When the first loan mode information indicates that the loan is a discounted loan, determine that the commission rate is the first commission rate; When the first loan mode information indicates that the loan is a non-discounted loan, determine that the commission rate is the second commission rate, where the first commission rate is less than the second commission rate.

4. The method according to claim 1, wherein Obtain commission information, including: Obtain second loan mode information, where the second loan mode information is information on the loan divided by interest rate; When the second loan mode information indicates that the loan is at the first interest rate, determine that the commission rate is the third commission rate; When the second loan mode information indicates that the loan is at the second interest rate, determine that the commission rate is the fourth commission rate, where the first interest rate is higher than the second interest rate, and the third commission rate is greater than the fourth commission rate.

5. The method according to claim 1, characterized in that, Obtain commission information, including: Obtain accounting-related information, where the accounting-related information includes one or more of the total loan amount, the total number of loan transactions, the amount of a single loan, and the loan term; Determine the commission rate based on the accounting-related information, where the total loan amount has a positive correlation with the commission rate, the total number of loan transactions has a positive correlation with the commission rate, the amount of a single loan has a positive correlation with the commission rate, and the loan term has a positive correlation with the commission rate.

6. The method according to claim 1, wherein Obtain commission information, including: Obtain the association relationship, where the association relationship is the subordinate relationship between multiple dealers; Construct a tree diagram based on the association relationship, where the superior dealer is located at the upper leaf node of the subordinate dealer; Obtain preset sharing information, where the preset sharing information is the proportion information of the subordinate dealer allocating commissions to the superior dealer; According to the tree diagram, find all the superior dealers of the current dealer, and determine the commission sharing ratios of all the superior dealers according to the preset sharing information; Calculate the difference between the preset percentage and the sharing ratio to obtain the commission sharing ratio corresponding to the current dealer.

7. The method according to any one of claims 1 to 6, characterized in that After obtaining the commission information, the method further includes: Construct a commission allocation model, where the commission allocation model is trained using multiple sets of training data, and each set of training data in the multiple sets of training data includes historical loan information, historical commission information, and historical loan commissions corresponding to the historical loan information and the historical commission information obtained within a historical time period; Input the loan information and the commission information into the commission allocation model to obtain the loan commission corresponding to the loan information and the commission information.

8. A device for determining loan commissions, characterized in that, Include: A first acquisition unit for acquiring loan information, where the loan information is information on a user's loan from a financial institution, and the loan information includes at least the loan amount; A second acquisition unit for acquiring commission information, where the commission information is information on the commission ratio of a dealer and the commission sharing ratio of the dealer, where the commission ratio is the ratio of commission allocation to the dealer, and the commission sharing ratio is the remaining ratio after the current dealer divides the commission with its superior dealer; A calculation unit for calculating the product of the loan amount, the commission ratio, and the commission sharing ratio to obtain the loan commission of the dealer, where the loan commission is at least used for business analysis and accounting records.

9. A computer program product, comprising a computer program, characterized in that, When the computer program is executed by a processor, it implements the steps of the method for determining the loan commission according to any one of claims 1 to 7.

10. A commission generation system, characterized in that, Include: One or more processors, a memory, and one or more programs, where the one or more programs are stored in the memory and are configured to be executed by the one or more processors, and the one or more programs include a method for determining the loan commission according to any one of claims 1 to 7.

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