Unequal repayment plan data measuring and calculating method, device and equipment and storage medium
By automatically loading preset repayment rule data and calling multiple repayment algorithms, generating and selecting unequal repayment plans, the problem of cumbersome operation and inaccurate calculation logic in traditional asset change methods is solved, and user-friendly automatic calculation of repayment plans is achieved.
Patent Information
- Application Number
- CN202511048714.4
- Authority / Receiving Office
- CN · China
- Patent Type
- Applications(China)
- Current Assignee / Owner
- Filing Date
- 2025-07-28
- Publication Date
- 2025-10-31
AI Technical Summary
Traditional asset transfer methods are cumbersome to operate and cannot meet the diverse needs of users. Furthermore, the individual calculation logic is not enough to accurately determine the repayment plan that users ultimately want.
This paper provides a method for calculating data on unequal repayment plans. By responding to user requests, it calls multiple pre-stored repayment algorithms to generate multiple unequal repayment plan data, determines the target repayment plan based on the user's selection, and automatically loads preset repayment rule data, reducing user operations.
It enables automatic and accurate calculation of the user's desired repayment plan, reducing tedious operations for users and improving operational efficiency and calculation accuracy.
Smart Images
Figure CN120876076A_ABST
Abstract
Description
Technical Field
[0001] This application relates to the fields of data processing and financial technology, and in particular to a method, apparatus, computer equipment, and readable storage medium for calculating data of unequal repayment plans. Background Technology
[0002] Asset changes are an important function of leasing finance companies, but traditional asset change methods struggle to meet the ever-changing needs of users. Traditional asset change functions require users to input different installments and amounts, as well as various restrictions, making the process cumbersome. Furthermore, traditional asset change functions only perform standalone calculations, which are insufficient to accurately determine the repayment plan the user ultimately desires. Summary of the Invention
[0003] In view of this, this application provides a method, apparatus, computer equipment, and readable storage medium for calculating data of unequal repayment plans.
[0004] In a first aspect, embodiments of this application provide a method for calculating data for unequal repayment plans, including:
[0005] In response to an asset user's repayment plan calculation request, the repayment plan calculation request carries the target repayment rule data selected by the asset user from multiple pre-stored preset repayment rule data, so as to determine the target repayment rule data;
[0006] The target repayment rule data is compared with the business demand calculation conditions. If the target repayment rule data meets the business demand calculation conditions, multiple pre-stored different quarterly unequal repayment algorithms are called to calculate the repayment and generate multiple different unequal repayment plan data.
[0007] In response to an asset user's request to select a repayment plan, the request carries the target unequal repayment plan data selected by the asset user from multiple different unequal repayment plan data, in order to determine the target unequal repayment plan data.
[0008] The method described in the embodiments of this application may also have the following additional technical features:
[0009] Optionally, in the above technical solution, before responding to the asset user's repayment plan calculation request, the method further includes:
[0010] The system acquires multiple preset repayment rule data configured by asset users and stores these preset repayment rule data in a database. The preset repayment rule data includes: other expense calculation formulas, suitable monthly rent ranges, yield fluctuation ranges, and repayment amount information for non-quarterly repayment dates.
[0011] Optionally, in any of the above technical solutions, acquiring multiple preset repayment rule data configured by the asset user includes:
[0012] Obtain repayment rule data input by the asset user to obtain multiple preset repayment rule data; or, obtain the repayment rule type input by the asset user, and generate multiple preset repayment rule data based on the repayment rule type and historical repayment data.
[0013] In any of the above technical solutions, optionally, after generating multiple different unequal repayment plan data, the method further includes:
[0014] By comparing data from multiple different unequal repayment plans, comparative data of the unequal repayment plans is generated and displayed.
[0015] In any of the above technical solutions, optionally, the pre-stored multiple different quarterly unequal repayment algorithms include: a first unequal repayment algorithm, a second unequal repayment algorithm, and a third unequal repayment algorithm;
[0016] The monthly repayment distribution of the first unequal repayment algorithm is "001", the monthly repayment distribution of the second unequal repayment algorithm is "101", and the monthly repayment distribution of the third unequal repayment algorithm is "100", where "0" represents non-quarterly repayment amount and "1" represents quarterly repayment amount.
[0017] In any of the above technical solutions, optionally, the repayment calculation is performed by calling the pre-stored quarterly unequal repayment algorithm, including:
[0018] Set the initial preset rental value;
[0019] Based on the initial preset rent value and the repayment amount information for non-quarterly repayment days in the target repayment rule data, the repayment amount for non-quarterly repayment days and the repayment amount for quarterly repayment days of the new repayment plan are calculated. Specifically, if the repayment amount information for non-quarterly repayment days in the target repayment rule data is a fixed repayment amount for the non-quarterly repayment days, then the fixed repayment amount is used as the repayment amount for the non-quarterly repayment days, and the difference between the initial preset rent value and (the repayment amount for non-quarterly repayment days × 2) is used as the repayment amount for the quarterly repayment days. If the repayment amount information for non-quarterly repayment days in the target repayment rule data is a proportion of the repayment amount for the non-quarterly repayment days, then the product of the initial preset rent value and the proportion of the repayment amount is calculated to obtain the repayment amount for the non-quarterly repayment days, and the difference between the initial preset rent value and (the repayment amount for non-quarterly repayment days × 2) is used as the repayment amount for the quarterly repayment days.
[0020] Based on the annual interest rate of the original repayment plan, the repayment amount on the non-quarterly repayment date and the repayment amount on the quarterly repayment date of the new repayment plan, the outstanding principal after calculation is determined.
[0021] Calculate the difference between the outstanding principal under the original repayment plan and the calculated outstanding principal to obtain the remaining outstanding principal;
[0022] If the remaining outstanding principal is not zero, the initial preset rent value is updated based on the calculated outstanding principal, and the new repayment plan is recalculated.
[0023] If the remaining outstanding principal is 0, then the new repayment plan will be determined as the unequal repayment plan data.
[0024] In any of the above technical solutions, optionally, updating the initial preset rent value based on the calculated uncollected principal includes:
[0025] If the remaining outstanding principal is greater than 0, then calculate the updated preset rent value = (2 × outstanding principal of the original repayment plan + initial preset rent value) / 2, and use the updated preset rent value to update the initial preset rent value;
[0026] If the remaining uncollected principal is less than 0, then calculate the updated preset rent value = (initial preset rent value + 0) / 2, and use the updated preset rent value to update the initial preset rent value.
[0027] Optionally, in any of the above technical solutions, the new repayment plan is defined as the unequal repayment plan data, including:
[0028] Obtain the total revenue of the new repayment plan, and calculate the amount of other expenses based on the total revenue of the new repayment plan and the other expense calculation formula in the target repayment rule data;
[0029] Calculate the rate of return based on the amount of other expenditures and the estimated cash flow for the initial period;
[0030] The new repayment plan is evaluated using the aforementioned rate of return. Once the evaluation is passed, the new repayment plan is identified as the unequal repayment plan data.
[0031] Secondly, embodiments of this application provide a data calculation device for unequal repayment plans, including:
[0032] The repayment rule acquisition module is used to respond to the repayment plan calculation request of the asset user. The repayment plan calculation request carries the target repayment rule data selected by the asset user from multiple pre-stored preset repayment rule data to determine the target repayment rule data.
[0033] The repayment calculation module is used to compare the target repayment rule data with the business requirement calculation conditions. If the target repayment rule data meets the business requirement calculation conditions, it calls multiple pre-stored different quarterly unequal repayment algorithms to perform repayment calculations and generate multiple different unequal repayment plan data.
[0034] The repayment plan determination module is used to respond to a repayment plan selection request from an asset user. The repayment plan selection request carries the target unequal repayment plan data selected by the asset user from multiple different unequal repayment plan data, so as to determine the target unequal repayment plan data.
[0035] Thirdly, embodiments of this application provide a computer device including a processor and a memory, the memory storing programs or instructions that can run on the processor, the programs or instructions implementing the steps of the method as described in the first aspect when executed by the processor.
[0036] Fourthly, embodiments of this application provide a readable storage medium on which a program or instructions are stored, which, when executed by a processor, implement the steps of the method as described in the first aspect.
[0037] The method, apparatus, computer equipment, and readable storage medium for calculating unequal repayment plan data in this application embodiment acquire target repayment rule data selected by an asset user from multiple preset repayment rule data. When the target repayment rule data meets the business requirement calculation conditions, repayment calculations are performed according to multiple different quarterly unequal repayment algorithms to obtain multiple different unequal repayment plan data. Based on the asset user's selection, a target unequal repayment plan data is determined from the multiple different unequal repayment plan data.
[0038] This application's embodiment of the unequal repayment automatic calculation scheme can automatically load pre-configured preset repayment rule data. The asset user only needs to select a scheme, and the optimal solution can be calculated in real time, eliminating the need for the asset user to fill in the desired repayment amount each period, thus avoiding tedious operations. Furthermore, this application embodiment provides multiple calculation logics to automatically and accurately derive the user's final desired repayment plan.
[0039] The above description is only an overview of the technical solution of this application. In order to better understand the technical means of this application and to implement it in accordance with the contents of the specification, and to make the above and other objects, features and advantages of this application more obvious and understandable, the following are specific embodiments of this application. Attached Figure Description
[0040] The accompanying drawings, which are included to provide a further understanding of this application and form part of this application, illustrate exemplary embodiments and are used to explain this application, but do not constitute an undue limitation of this application. In the drawings:
[0041] Figure 1 This illustration shows an application environment diagram of the data calculation method for unequal repayment plans according to an embodiment of this application;
[0042] Figure 2 A flowchart illustrating the data calculation method for unequal repayment plans according to an embodiment of this application is shown.
[0043] Figure 3 This paper shows a structural block diagram of an apparatus for calculating unequal repayment plan data according to an embodiment of this application.
[0044] Figure 4 One of the structural block diagrams of a computer device according to an embodiment of this application is shown;
[0045] Figure 5 A second structural block diagram of a computer device according to an embodiment of this application is shown. Detailed Implementation
[0046] The technical solutions of the embodiments of this application will be clearly described below with reference to the accompanying drawings. Obviously, the described embodiments are only some, not all, of the embodiments of this application. All other embodiments obtained by those skilled in the art based on the embodiments of this application are within the scope of protection of this application.
[0047] The terms "first," "second," etc., used in the specification and claims of this application are used to distinguish similar objects and not to describe a specific order or sequence. It should be understood that such use of data can be interchanged where appropriate so that embodiments of this application can be implemented in orders other than those illustrated or described herein, and the objects distinguished by "first," "second," etc., are generally of the same class and the number of objects is not limited; for example, a first object can be one or more. Furthermore, in the specification and claims, "and / or" indicates at least one of the connected objects, and the character " / " generally indicates that the preceding and following objects are in an "or" relationship.
[0048] The following description, in conjunction with the accompanying drawings, details the data calculation method, apparatus, computer equipment, and readable storage medium for unequal repayment plans provided in this application through specific embodiments and application scenarios. Unless otherwise specified, the following embodiments and features can be combined with each other.
[0049] The data calculation method for unequal repayment plans provided in this invention can be applied to, for example... Figure 1In this application environment, the client communicates with the server via a network. The server provides an automatic calculation scheme for unequal repayment amounts. Specifically, in response to an asset user's repayment plan calculation request, the repayment plan calculation request carries the target repayment rule data selected by the asset user from multiple pre-stored preset repayment rule data to determine the target repayment rule data; the target repayment rule data is compared with business requirement calculation conditions, and if the target repayment rule data meets the business requirement calculation conditions, multiple pre-stored different quarterly unequal repayment algorithms are invoked to perform repayment calculations, generating multiple different unequal repayment plan data; in response to an asset user's repayment plan selection request, the repayment plan selection request carries the target unequal repayment plan data selected by the asset user from multiple different unequal repayment plan data to determine the target unequal repayment plan data.
[0050] This application's embodiment of the unequal repayment automatic calculation scheme can automatically load pre-configured preset repayment rule data. The asset user only needs to select a scheme, and the optimal solution can be calculated in real time, eliminating the need for the asset user to fill in the desired repayment amount each period, thus avoiding tedious operations. Furthermore, this application embodiment provides multiple calculation logics to accurately derive the user's final desired repayment plan.
[0051] The client can be, but is not limited to, various personal computers, laptops, smartphones, tablets, and portable wearable devices. The server can be implemented using a standalone server or a server cluster consisting of multiple servers. The invention will now be described in detail through specific embodiments.
[0052] This application provides a method for calculating data for unequal repayment plans, such as... Figure 2 As shown, the method includes:
[0053] Step 201: In response to the asset user's repayment plan calculation request, the repayment plan calculation request carries the target repayment rule data selected by the asset user from multiple pre-stored preset repayment rule data, so as to determine the target repayment rule data.
[0054] In this step, when it's necessary to calculate unequal repayment plan data, the asset user's operation page will automatically load multiple pre-configured preset repayment rule data. The asset user selects a target repayment rule from these preset rules, thus issuing a repayment plan calculation request. After receiving the repayment plan calculation request, the server retrieves the target repayment rule data selected by the asset user from the request and can automatically calculate the optimal repayment plan.
[0055] In one embodiment of this application, before responding to a repayment plan calculation request from an asset user, the method further includes:
[0056] The system acquires multiple preset repayment rule data configured by asset users and stores these preset repayment rule data in a database. The preset repayment rule data includes: other expense calculation formulas, suitable monthly rent ranges, yield fluctuation ranges, and repayment amount information for non-quarterly repayment dates.
[0057] In this embodiment, asset users or business personnel configure preset repayment rule data. After the server obtains the preset repayment rule data configured by the asset user, it stores this preset repayment rule data. When it is necessary to calculate the data for unequal repayment plans, this preset repayment rule data is provided to the asset user for selection.
[0058] The information configured by asset users includes, but is not limited to, other expense calculation formulas, applicable monthly rent ranges, yield fluctuation ranges, and repayment amount information for non-quarterly repayment dates. Among these, the other expense calculation formulas are used to calculate cash flow expenses from the beginning of the repayment period; the applicable monthly rent range refers to contracts that currently qualify for repayment plans with a rent amount within that range; the yield fluctuation range refers to the range within which the calculated yield can deviate; and the repayment amount information for non-quarterly repayment dates can be a fixed repayment amount or a percentage of the total repayment amount.
[0059] In this embodiment of the application, multiple preset repayment rule data, i.e. repayment rule templates, are pre-configured. This allows users to calculate the amount they want to repay each period without having to fill in the amount they want to repay when calculating unequal repayment plan data. Instead, they can simply select a rule from the multiple preset repayment rule data to achieve automatic calculation, avoiding tedious operations for users.
[0060] In one embodiment of this application, obtaining multiple preset repayment rule data configured by an asset user includes: obtaining repayment rule data input by the asset user to obtain multiple preset repayment rule data; or, obtaining the repayment rule type input by the asset user, and generating multiple preset repayment rule data based on the repayment rule type and historical repayment data.
[0061] In this embodiment, the asset user can directly input repayment rule data, and multiple preset repayment rule data can be obtained based on the user's input. That is, this embodiment can set the repayment rule template according to the repayment rules filled in by the user.
[0062] Asset users can also input repayment rule types, such as conservative, aggressive, or customized repayment rule types. Repayment rules matching the input rule type are identified from the asset user's own or other asset users' historical repayment data and used as preset repayment rule data. This embodiment can automatically generate repayment rules that meet the user's needs based on the required repayment rule type and historical repayment data, thereby enabling the setting of repayment rule templates, improving configuration flexibility, and increasing user operational efficiency.
[0063] Step 202: Compare the target repayment rule data with the business demand calculation conditions. If the target repayment rule data meets the business demand calculation conditions, call multiple pre-stored different quarterly unequal repayment algorithms to perform repayment calculations and generate multiple different unequal repayment plan data.
[0064] In this step, it is determined whether the target repayment rule data meets the business requirement calculation conditions, which include requirements such as the contract not being overdue and a minimum repayment period of 12 installments. If the target repayment rule data does not meet the business requirement calculation conditions, no further calculation is performed. If the target repayment rule data meets the business requirement calculation conditions, repayment calculations are performed according to multiple different quarterly unequal repayment algorithms. Each quarterly unequal repayment algorithm corresponds to one unequal repayment plan data, thus resulting in multiple different unequal repayment plan data.
[0065] In one embodiment of this application, the pre-stored multiple different quarterly unequal repayment algorithms include: a first unequal repayment algorithm, a second unequal repayment algorithm, and a third unequal repayment algorithm;
[0066] The monthly repayment distribution of the first unequal repayment algorithm is "001", the monthly repayment distribution of the second unequal repayment algorithm is "101", and the monthly repayment distribution of the third unequal repayment algorithm is "100", where "0" represents non-quarterly repayment amount and "1" represents quarterly repayment amount.
[0067] In this embodiment, each quarter has three months. By arranging the non-quarterly repayment dates and quarterly repayment dates within these three months, three unequal repayment calculation modes are obtained: a first unequal repayment algorithm, a second unequal repayment algorithm, and a third unequal repayment algorithm. The monthly repayment distribution for the first unequal repayment algorithm is "001," meaning the first and second months of the quarter have non-quarterly repayment dates, and the third month has a quarterly repayment date. The monthly repayment distribution for the second unequal repayment algorithm is "101," meaning the first and third months of the quarter have quarterly repayment dates, and the second month has a non-quarterly repayment date. The monthly repayment distribution for the third unequal repayment algorithm is "100," meaning the second and third months of the quarter have non-quarterly repayment dates, and the first month has a quarterly repayment date. Non-quarterly repayment amounts are based on the repayment amount information for non-quarterly repayment dates, and quarterly repayment dates are dynamically calculated. Different quarterly unequal repayment algorithms differ in the calculation of interest and other data. Based on the three-quarter unequal repayment algorithm, the calculation is repeated three times to obtain three unequal repayment plan data.
[0068] This application provides various calculation logics to accurately derive the repayment plan that the user ultimately wants.
[0069] In one embodiment of this application, the calculation logic for the quarterly unequal repayment algorithm is as follows:
[0070] S301, set the preset number of cycles, such as 100 times, and set the initial preset rental value.
[0071] S302, based on the initial preset rent value and the repayment amount information for non-quarterly repayment days in the target repayment rule data, calculate the repayment amount for non-quarterly repayment days and the repayment amount for quarterly repayment days of the new repayment plan.
[0072] In one embodiment of this application, the step of calculating the non-quarterly repayment amount and quarterly repayment amount of the new repayment plan based on the initial preset rent value and the non-quarterly repayment amount information in the target repayment rule data includes:
[0073] If the repayment amount information for a non-quarterly repayment date in the target repayment rule data is a fixed repayment amount for that non-quarterly repayment date, then the fixed repayment amount is used as the repayment amount for that non-quarterly repayment date, and the difference between the initial preset rent value and (the repayment amount for the non-quarterly repayment date × 2) is used as the repayment amount for that quarterly repayment date; if the repayment amount information for a non-quarterly repayment date in the target repayment rule data is a proportion of the repayment amount for that non-quarterly repayment date, then the product of the initial preset rent value and the proportion of the repayment amount is calculated to obtain the repayment amount for that non-quarterly repayment date, and the difference between the initial preset rent value and (the repayment amount for the non-quarterly repayment date × 2) is used as the repayment amount for that quarterly repayment date.
[0074] For example, assuming the initial preset rent value is 1000, this value is a reference value. The repayment amount on non-quarterly repayment dates is a fixed 100. If it is the monthly repayment distribution of the first scenario "001", then the first and second months will both be 100, and the third month will be 800. If the repayment amount on non-quarterly repayment dates is a percentage, which is 8%, then the monthly repayment distribution of the first scenario "001" will both be 1000 × 8% = 80 for the first and second months, and the third month will be 1000 - 80 × 2 = 840.
[0075] Using the above method, the repayment amounts for non-quarterly repayment dates and quarterly repayment dates in the data of unequal repayment plans are calculated.
[0076] S303, based on the annual interest rate of the original repayment plan, the repayment amount on the non-quarterly repayment date and the repayment amount on the quarterly repayment date of the new repayment plan, the calculated outstanding principal is determined.
[0077] S304, calculate the difference between the outstanding principal of the original repayment plan and the calculated outstanding principal to obtain the remaining outstanding principal.
[0078] S305, if the remaining outstanding principal is not 0, that is, the outstanding principal of the original repayment plan is not equal to the calculated outstanding principal, then the initial preset rent value is updated based on the calculated outstanding principal, and the process returns to step S302 to calculate the new repayment plan until the outstanding principal of the original repayment plan is equal to the calculated outstanding principal, or the number of cycles reaches the preset number of cycles.
[0079] In one embodiment of this application, updating the initial preset rent value based on the calculated uncollected principal includes:
[0080] If the remaining outstanding principal is greater than 0, then calculate the updated preset rent value = (2 × outstanding principal of the original repayment plan + initial preset rent value) / 2, and use the updated preset rent value to update the initial preset rent value;
[0081] If the remaining uncollected principal is less than 0, then calculate the updated preset rent value = (initial preset rent value + 0) / 2, and use the updated preset rent value to update the initial preset rent value.
[0082] In this embodiment, the rental value is updated based on the amount of the remaining uncollected principal, and the calculation continues.
[0083] S306, if the remaining outstanding principal is 0, that is, the outstanding principal of the original repayment plan is equal to the calculated outstanding principal, then the new repayment plan is determined as the unequal repayment plan data.
[0084] In one embodiment of this application, determining the new repayment plan as the unequal repayment plan data includes:
[0085] Obtain the total revenue of the new repayment plan, and calculate the amount of other expenses based on the total revenue of the new repayment plan and the other expense calculation formula in the target repayment rule data;
[0086] Calculate the rate of return based on the amount of other expenditures and the estimated cash flow for the initial period;
[0087] The new repayment plan is evaluated using the aforementioned rate of return. Once the evaluation is passed, the new repayment plan is identified as the unequal repayment plan data.
[0088] In this embodiment, the total revenue of the new repayment plan is calculated based on the total interest and total funds used. Total revenue = total interest / tax rate - total amount of financing used × true FTP (Funds Transfer Pricing). Then, based on the total revenue of the new repayment plan and the other expenditure calculation formula in the target repayment rule data, the amount of other expenditures is calculated.
[0089] Furthermore, the rate of return is calculated based on the difference between the cash flow and other expenditures at the start of the calculation period. It is then determined whether the rate of return falls within the fluctuation range of the target repayment rule data. If not, the assessment passes, and the calculation is re-performed; if it does, the assessment passes, and the new repayment plan is confirmed as an unequal repayment plan.
[0090] By using yield rates to evaluate new repayment plans, we can ensure that the repayment plans meet both the borrower's repayment capacity and the investor's return requirements.
[0091] In this embodiment, the above calculation logic is performed under the unequal repayment algorithm for each quarter. Since it is a three-quarter unequal repayment algorithm, the calculation is performed three times in a loop to obtain three unequal repayment plan data.
[0092] In one embodiment of this application, after generating multiple different unequal repayment plan data, the method further includes:
[0093] By comparing data from multiple different unequal repayment plans, comparative data of the unequal repayment plans is generated and displayed.
[0094] In this embodiment, based on pre-generated data of multiple unequal repayment plans, the following core indicators are extracted: total cost, cash flow volatility, and risk coefficient. The total cost refers to the total principal and interest during the plan's execution period, which may include other expenses such as handling fees. The cash flow volatility refers to the standard deviation of the repayment amount in each quarter, used to measure the stability of financial pressure. The risk coefficient is a weighted risk value calculated based on factors such as the fluctuation range of the comprehensive rate of return and the amount on non-quarterly repayment dates.
[0095] By comparing these core indicators, comparative data is obtained and provided to asset users, allowing them to intuitively understand the differences between various unequal repayment plans and making it easier for them to make a choice.
[0096] Step 203: In response to the asset user's repayment plan selection request, the repayment plan selection request carries the target unequal repayment plan data selected by the asset user from multiple different unequal repayment plan data, so as to determine the target unequal repayment plan data.
[0097] In this step, multiple different unequal repayment plans are provided to asset users for selection. Asset users can choose the appropriate repayment plan based on their own circumstances and finally determine the target unequal repayment plan.
[0098] This application's embodiment of the unequal repayment automatic calculation scheme can automatically load pre-configured preset repayment rule data. The asset user only needs to select a scheme, and the optimal solution can be calculated in real time, eliminating the need for the asset user to fill in the desired repayment amount each period, thus avoiding tedious operations. Furthermore, this application embodiment provides multiple calculation logics to accurately derive the user's final desired repayment plan.
[0099] As a specific implementation of the above-mentioned method for calculating data for unequal repayment plans, this application provides an apparatus for calculating data for unequal repayment plans. For example... Figure 3 As shown, the unequal repayment plan data calculation device 300 includes: a repayment rule acquisition module 301, a repayment calculation module 302, and a repayment plan determination module 303.
[0100] The repayment rule acquisition module 301 is used to respond to the repayment plan calculation request of the asset user. The repayment plan calculation request carries the target repayment rule data selected by the asset user from multiple pre-stored preset repayment rule data to determine the target repayment rule data.
[0101] The repayment calculation module 302 is used to compare the target repayment rule data with the business requirement calculation conditions. If the target repayment rule data meets the business requirement calculation conditions, it calls multiple pre-stored different quarterly unequal repayment algorithms to perform repayment calculation and generate multiple different unequal repayment plan data.
[0102] The repayment plan determination module 303 is used to respond to a repayment plan selection request from an asset user, wherein the repayment plan selection request carries the target unequal repayment plan data selected by the asset user from multiple different unequal repayment plan data, so as to determine the target unequal repayment plan data.
[0103] Furthermore, the device also includes:
[0104] The repayment rule configuration module is used to obtain multiple preset repayment rule data configured by asset users and store the multiple preset repayment rule data in the database; the preset repayment rule data includes: other expense calculation formulas, suitable monthly rent range, yield fluctuation range, and repayment amount information for non-quarterly repayment dates.
[0105] Furthermore, the repayment rule configuration module is specifically used to: obtain repayment rule data input by the asset user to obtain multiple preset repayment rule data; or, obtain the repayment rule type input by the asset user, and generate multiple preset repayment rule data based on the repayment rule type and historical repayment data.
[0106] Furthermore, the device also includes:
[0107] The comparison module is used to compare data from multiple different unequal repayment plans, generate comparison data for multiple different unequal repayment plans, and display the comparison data.
[0108] Furthermore, the pre-stored multiple different quarterly unequal repayment algorithms include: a first unequal repayment algorithm, a second unequal repayment algorithm, and a third unequal repayment algorithm;
[0109] The monthly repayment distribution of the first unequal repayment algorithm is "001", the monthly repayment distribution of the second unequal repayment algorithm is "101", and the monthly repayment distribution of the third unequal repayment algorithm is "100", where "0" represents non-quarterly repayment amount and "1" represents quarterly repayment amount.
[0110] Furthermore, the repayment calculation module 302 is used for:
[0111] Set the initial preset rental value;
[0112] Based on the initial preset rent value and the repayment amount information for non-quarterly repayment days in the target repayment rule data, the repayment amount for non-quarterly repayment days and the repayment amount for quarterly repayment days of the new repayment plan are calculated. Specifically, if the repayment amount information for non-quarterly repayment days in the target repayment rule data is a fixed repayment amount for the non-quarterly repayment days, then the fixed repayment amount is used as the repayment amount for the non-quarterly repayment days, and the difference between the initial preset rent value and (the repayment amount for non-quarterly repayment days × 2) is used as the repayment amount for the quarterly repayment days. If the repayment amount information for non-quarterly repayment days in the target repayment rule data is a proportion of the repayment amount for the non-quarterly repayment days, then the product of the initial preset rent value and the proportion of the repayment amount is calculated to obtain the repayment amount for the non-quarterly repayment days, and the difference between the initial preset rent value and (the repayment amount for non-quarterly repayment days × 2) is used as the repayment amount for the quarterly repayment days.
[0113] Based on the annual interest rate of the original repayment plan, the repayment amount on the non-quarterly repayment date and the repayment amount on the quarterly repayment date of the new repayment plan, the outstanding principal after calculation is determined.
[0114] Calculate the difference between the outstanding principal under the original repayment plan and the calculated outstanding principal to obtain the remaining outstanding principal;
[0115] If the remaining outstanding principal is not zero, the initial preset rent value is updated based on the calculated outstanding principal, and the new repayment plan is recalculated.
[0116] If the remaining outstanding principal is 0, then the new repayment plan will be determined as the unequal repayment plan data.
[0117] Furthermore, the method for updating the initial preset rent value based on the calculated uncollected principal includes:
[0118] If the remaining outstanding principal is greater than 0, then calculate the updated preset rent value = (2 × outstanding principal of the original repayment plan + initial preset rent value) / 2, and use the updated preset rent value to update the initial preset rent value;
[0119] If the remaining uncollected principal is less than 0, then calculate the updated preset rent value = (initial preset rent value + 0) / 2, and use the updated preset rent value to update the initial preset rent value.
[0120] Furthermore, the method of determining the new repayment plan as the data for the unequal repayment plan includes:
[0121] Obtain the total revenue of the new repayment plan, and calculate the amount of other expenses based on the total revenue of the new repayment plan and the other expense calculation formula in the target repayment rule data;
[0122] Calculate the rate of return based on the amount of other expenditures and the estimated cash flow for the initial period;
[0123] The new repayment plan is evaluated using the aforementioned rate of return. Once the evaluation is passed, the new repayment plan is identified as the unequal repayment plan data.
[0124] The unequal repayment plan data calculation device 300 in this application embodiment can be a computer device or a component within a computer device, such as an integrated circuit or a chip. The computer device can be a terminal or other devices besides a terminal. The unequal repayment plan data calculation device 300 provided in this application embodiment can achieve... Figure 2 The various processes implemented in the data calculation method embodiment for unequal repayment plans will not be repeated here to avoid duplication.
[0125] This application also provides a computer device, such as... Figure 4 As shown, the computer device 400 includes a processor 401 and a memory 402. The memory 402 stores a program or instruction that can run on the processor 401. When the program or instruction is executed by the processor 401, it implements the various steps of the above-described embodiment of the method for calculating data of unequal repayment plans and can achieve the same technical effect. To avoid repetition, it will not be described again here.
[0126] The memory 402 can be used to store software programs and various data. The memory 402 may primarily include a first storage area for storing programs or instructions and a second storage area for storing data. The first storage area may store the operating system, application programs or instructions required for at least one function (such as sound playback, image playback, etc.). Furthermore, the memory 402 may include volatile memory or non-volatile memory, or both. The non-volatile memory may be read-only memory (ROM), programmable read-only memory (PROM), erasable programmable read-only memory (EPROM), electrically erasable programmable read-only memory (EEPROM), or flash memory. Volatile memory can be random access memory (RAM), static random access memory (SRAM), dynamic random access memory (DRAM), synchronous dynamic random access memory (SDRAM), double data rate synchronous dynamic random access memory (DDRSDRAM), enhanced synchronous dynamic random access memory (ESDRAM), synchronous link dynamic random access memory (SLDRAM), and direct memory bus RAM (DRRAM). The memory 402 in the embodiments of this application includes, but is not limited to, these and any other suitable types of memory.
[0127] Processor 401 may include one or more processing units; optionally, processor 401 integrates an application processor and a modem processor, wherein the application processor mainly handles operations involving the operating system, user interface, and applications, and the modem processor mainly handles wireless communication signals, such as a baseband processor. It is understood that the aforementioned modem processor may also not be integrated into processor 401.
[0128] This application also provides a computer device, which can be a server, and its internal structure diagram can be as follows: Figure 5As shown. The computer device includes a processor, memory, network interface, and database connected via a system bus. The processor provides computing and control capabilities. The memory includes non-volatile and / or volatile storage media and internal memory. The non-volatile storage media stores the operating system, computer programs, and database. The internal memory provides an environment for the operation of the operating system and computer programs in the non-volatile storage media. The network interface is used to communicate with external clients via a network connection. When the computer program is executed by the processor, it implements the functions or steps of the unequal repayment plan data calculation method server side.
[0129] This application also provides a readable storage medium storing a program or instructions. When the program or instructions are executed by a processor, they implement the various processes of the above-described method for calculating data of unequal repayment plans and achieve the same technical effect. To avoid repetition, they will not be described again here.
[0130] It should be noted that, in this document, the terms "comprising," "including," or any other variations thereof are intended to cover non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements includes not only those elements but also other elements not expressly listed, or elements inherent to such a process, method, article, or apparatus. Without further limitations, an element defined by the phrase "comprising one..." does not exclude the presence of other identical elements in the process, method, article, or apparatus that includes that element. Furthermore, it should be noted that the scope of the methods and apparatuses in the embodiments of this application is not limited to performing functions in the order shown or discussed, but may also include performing functions substantially simultaneously or in the reverse order, depending on the functions involved. For example, the described methods may be performed in a different order than described, and various steps may be added, omitted, or combined. Additionally, features described with reference to certain examples may be combined in other examples.
[0131] The embodiments of this application have been described above with reference to the accompanying drawings. However, this application is not limited to the specific embodiments described above. The specific embodiments described above are merely illustrative and not restrictive. Those skilled in the art can make many other forms under the guidance of this application without departing from the spirit and scope of the claims, and all of these forms are within the protection scope of this application.
Claims
1. A method for calculating data for unequal repayment plans, characterized in that, include: In response to an asset user's repayment plan calculation request, the repayment plan calculation request carries the target repayment rule data selected by the asset user from multiple pre-stored preset repayment rule data, so as to determine the target repayment rule data; The target repayment rule data is compared with the business demand calculation conditions. If the target repayment rule data meets the business demand calculation conditions, multiple pre-stored different quarterly unequal repayment algorithms are called to calculate the repayment and generate multiple different unequal repayment plan data. In response to an asset user's request to select a repayment plan, the request carries the target unequal repayment plan data selected by the asset user from multiple different unequal repayment plan data, in order to determine the target unequal repayment plan data.
2. The method according to claim 1, characterized in that, Prior to responding to a repayment plan calculation request from an asset user, the method further includes: The system acquires multiple preset repayment rule data configured by asset users and stores these preset repayment rule data in a database. The preset repayment rule data includes: other expense calculation formulas, suitable monthly rent ranges, yield fluctuation ranges, and repayment amount information for non-quarterly repayment dates.
3. The method according to claim 2, characterized in that, Obtain multiple preset repayment rule data configured by the asset user, including: Obtain repayment rule data input by the asset user to obtain multiple preset repayment rule data; or, obtain the repayment rule type input by the asset user, and generate multiple preset repayment rule data based on the repayment rule type and historical repayment data.
4. The method according to claim 1, characterized in that, After generating data for multiple different unequal repayment plans, the method further includes: By comparing data from multiple different unequal repayment plans, comparative data of the unequal repayment plans is generated and displayed.
5. The method according to claim 1, characterized in that, The pre-stored multiple different quarterly unequal repayment algorithms include: a first unequal repayment algorithm, a second unequal repayment algorithm, and a third unequal repayment algorithm; The monthly repayment distribution of the first unequal repayment algorithm is "001", the monthly repayment distribution of the second unequal repayment algorithm is "101", and the monthly repayment distribution of the third unequal repayment algorithm is "100", where "0" represents non-quarterly repayment amount and "1" represents quarterly repayment amount.
6. The method according to claim 1, characterized in that, The repayment calculation is performed by invoking the pre-stored quarterly unequal repayment algorithm, including: Set the initial preset rental value; Based on the initial preset rent value and the repayment amount information for non-quarterly repayment days in the target repayment rule data, the repayment amount for non-quarterly repayment days and the repayment amount for quarterly repayment days of the new repayment plan are calculated. Specifically, if the repayment amount information for non-quarterly repayment days in the target repayment rule data is a fixed repayment amount for the non-quarterly repayment days, then the fixed repayment amount is used as the repayment amount for the non-quarterly repayment days, and the difference between the initial preset rent value and (the repayment amount for non-quarterly repayment days × 2) is used as the repayment amount for the quarterly repayment days. If the repayment amount information for non-quarterly repayment days in the target repayment rule data is a proportion of the repayment amount for the non-quarterly repayment days, then the product of the initial preset rent value and the proportion of the repayment amount is calculated to obtain the repayment amount for the non-quarterly repayment days, and the difference between the initial preset rent value and (the repayment amount for non-quarterly repayment days × 2) is used as the repayment amount for the quarterly repayment days. Based on the annual interest rate of the original repayment plan, the repayment amount on the non-quarterly repayment date and the repayment amount on the quarterly repayment date of the new repayment plan, the outstanding principal after calculation is determined. Calculate the difference between the outstanding principal under the original repayment plan and the calculated outstanding principal to obtain the remaining outstanding principal; If the remaining outstanding principal is not zero, the initial preset rent value is updated based on the calculated outstanding principal, and the new repayment plan is recalculated. If the remaining outstanding principal is 0, then the new repayment plan will be determined as the unequal repayment plan data.
7. The method according to claim 6, characterized in that, The initial preset rent value is updated based on the calculated uncollected principal, including: If the remaining outstanding principal is greater than 0, then calculate the updated preset rent value = (2 × outstanding principal of the original repayment plan + initial preset rent value) / 2, and use the updated preset rent value to update the initial preset rent value; If the remaining uncollected principal is less than 0, then calculate the updated preset rent value = (initial preset rent value + 0) / 2, and use the updated preset rent value to update the initial preset rent value; The data for identifying the new repayment plan as the unequal repayment plan includes: Obtain the total revenue of the new repayment plan, and calculate the amount of other expenses based on the total revenue of the new repayment plan and the other expense calculation formula in the target repayment rule data; Calculate the rate of return based on the amount of other expenditures and the estimated cash flow for the initial period; The new repayment plan is evaluated using the aforementioned rate of return. Once the evaluation is passed, the new repayment plan is identified as the unequal repayment plan data.
8. A data calculation device for unequal repayment plans, characterized in that, include: The repayment rule acquisition module is used to respond to the repayment plan calculation request of the asset user. The repayment plan calculation request carries the target repayment rule data selected by the asset user from multiple pre-stored preset repayment rule data to determine the target repayment rule data. The repayment calculation module is used to compare the target repayment rule data with the business requirement calculation conditions. If the target repayment rule data meets the business requirement calculation conditions, it calls multiple pre-stored different quarterly unequal repayment algorithms to perform repayment calculations and generate multiple different unequal repayment plan data. The repayment plan determination module is used to respond to a repayment plan selection request from an asset user. The repayment plan selection request carries the target unequal repayment plan data selected by the asset user from multiple different unequal repayment plan data, so as to determine the target unequal repayment plan data.
9. A computer device, characterized in that, It includes a processor and a memory, the memory storing a program or instructions that run on the processor, the program or instructions being executed by the processor to implement the steps of the unequal repayment plan data calculation method as described in any one of claims 1 to 7.
10. A readable storage medium having a program or instructions stored thereon, characterized in that, When the program or instructions are executed by the processor, they implement the steps of the data calculation method for unequal repayment plans as described in any one of claims 1 to 7.