Co-business quota management method and system based on mixed use control

Abstract

The invention discloses a co-business quota management method and system based on mixed use control. The method comprises the steps of S1, co-business customer information maintenance, S2, co-business quota and mixed use rule setting, S3, co-business quota initialization and S4, co-business quota dynamic adjustment. According to the method provided by the invention, when a specific business occurs, according to the business type, the quota management information table is inquired or the data model is called, the current actual available quota is dynamically calculated according to the mixed use rule, and real-time occupation and release of the quota are executed, so that each transaction is ensured to be carried out under the constraint of the total credit granting quota and the preset mixed use rule; and the excess transaction is intercepted in real time, so that the problems that in the prior art, the same-business quota management is rigid, the cross-business scene flexible mixed use cannot be supported, the offline management efficiency is low, and the risk control capability is weak are solved.

Description

TECHNICAL FIELD

[0001] The present application relates to the field of financial technology, in particular to the interbank asset risk management technology of banks and financial institutions, and specifically to an interbank quota management method and system capable of realizing flexible mixing and automatic control of quotas. BACKGROUND

[0002] With the deepening and development of the financial market, interbank business between financial institutions is showing a trend of diversification of scenarios and complexification of structure. The traditional interbank quota management method has significant limitations: it usually only manages quotas for a single business line (such as fund business or bill business), and the quotas are used for specific purposes, which cannot be flexibly allocated among different business scenarios.

[0003] The traditional management mode has significant defects: first, the utilization efficiency of the quota is low. When the quota of a certain business is exhausted while the quota of another business is still rich, it cannot be flexibly adjusted, resulting in the idle of valuable credit resources or the loss of business opportunities. Second, the management is rigid and the risk control is lagging. For businesses with correlations (such as discounting and discounting), temporary quota coordination often relies on offline manual approval, lacks unified control and real-time risk measurement at the system level, and has a large operational risk and moral risk. Finally, it cannot adapt to the rapidly changing market demand. In the face of complex and innovative business combinations, the rigid quota management mode becomes a hindrance to business development.

[0004] In the current environment where financial risk incidents occasionally occur, financial institutions urgently need a technical solution that can realize fine-grained management of quotas, dynamic risk control, and improve operational efficiency. Therefore, there is an urgent need in the art for an interbank quota management solution that supports flexible mixing of quotas across businesses, realizes online and automated intelligent control of the whole process. SUMMARY

[0005] The present application aims to overcome the above-mentioned defects of the prior art and provide an interbank quota management method and system to solve the problems of rigid management of interbank quotas, inability to support flexible mixing across business scenarios, and low efficiency and weak risk control of offline management in the prior art.

[0006] To achieve the above-mentioned purpose, the present application adopts the following technical solutions:

[0007] In a first aspect, the present application provides an interbank quota management method based on mixed control, comprising the following steps:

[0008] S1: Interbank customer information maintenance: Establish and maintain a customer information database of interbank financial institutions. The customer information includes basic information of the institution, type of the institution, capital size, etc. According to the type of the customer, a risk assessment model is called to identify the risk, and the credit quota of the interbank customer is set according to the risk identification result;

[0009] S2 Interbank Credit Limit and Mixed Use Rules Settings: Under the constraint framework of the credit limit, specific credit limit information is set for different business types, and the mixed use method of the credit limit is configured in a key way. Based on the credit limit information and the mixed use method, the mixed use rules of the credit limit are configured systematically.

[0010] Credit limit information includes: interbank credit limit, intraday credit limit, remaining credit limit, credit period, and basic information on auxiliary elements;

[0011] S3 interbank quota initialization: Based on the configured mixed use rules, calculations and integrations are performed to generate a structured quota management information table or data model that can be queried and calculated in real time;

[0012] S4 Interbank Credit Limit Dynamic Adjustment: When a specific transaction occurs, based on the transaction type, the credit limit management information table is queried or the data model is called to dynamically calculate the current actual available credit limit according to the mixed use rules, and execute the real-time occupation and release of the credit limit to ensure that each transaction is carried out within the total credit limit and the preset mixed use rules, and to intercept excess transactions in real time.

[0013] Preferably, it also includes quota monitoring and early warning: when an early warning threshold is triggered or an over-quota attempt is made, the system blocks the transaction in real time and sends an early warning message; it provides a graphical monitoring interface to display the quota usage of each customer and each business in real time.

[0014] Preferably, it also includes credit limit query and adjustment: providing comprehensive query and export functions for historical transactions and credit limit usage details, and allowing authorized administrators to adjust existing credit limits or mixed usage rules online according to business needs, realizing full-process business management.

[0015] Preferably, the mixed-use rules include first-level mixed-use rules, in which the setting of business quota allocation and mixed-use conditions is limited to business categories.

[0016] More preferably, the mixed use rules also include second-level mixed use rules. In the second-level mixed use rules, the objects for setting business quota allocation and mixed use conditions are limited to business subcategories under the same business category, or business category and business subcategories.

[0017] Preferably, the rules for mixed use include mixed use methods and mixed use conditions. Mixed use methods include: mixed use of all businesses, partial mixed use, cross-mixed use, and special quotas.

[0018] Mixed use of all services means that the available credit limit of the current service can be borrowed by all other services;

[0019] Partial commingling means that the available credit limit for the current business can be borrowed by one or more other businesses;

[0020] Cross-use refers to allowing the available credit limits of multiple services to be borrowed from each other under preset cross-use conditions;

[0021] "Special use" means that the available credit limit for the current business must not be used for other businesses and must be strictly used for its designated purpose.

[0022] On the other hand, this invention provides an interbank credit limit management system based on hybrid control, including a customer information maintenance module, a credit limit rule management module, a credit limit data initialization module, and a credit limit control engine, wherein...

[0023] The customer information maintenance module is used to establish and maintain a customer information database of peer financial institutions, and to identify risks and set total credit limits based on customer information.

[0024] The credit limit rules management module is used to configure business credit limits, credit limit mixing methods, and derived credit limit mixing rules for specific peer customers;

[0025] The quota data initialization module is used to generate and store structured quota management information according to the quota mixing rules;

[0026] The credit limit control engine, as the core of the system, is responsible for calculating, verifying, and controlling the credit limit by calling the credit limit management information based on the customer's type and transaction type when a business transaction is initiated.

[0027] Preferably, it also includes a quota monitoring and early warning module and / or a query and adjustment module. The quota monitoring and early warning module provides a real-time monitoring interface and an early warning mechanism to generate early warning notifications for excessive transactions. The query and adjustment module is used to provide quota details query, data export and quota rule adjustment.

[0028] Thirdly, the present invention provides an electronic device, including a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the processor executes the program to implement the steps of the above-described method.

[0029] Fourthly, the present invention provides a computer-readable storage medium having a computer program stored thereon, which, when executed by a processor, implements the steps of the above-described method.

[0030] Beneficial effects of the present invention

[0031] Compared with existing technologies, the interbank quota management method and system based on mixed-use control provided by this invention has the following significant advantages:

[0032] 1. High flexibility: By introducing the core concept of "mixed use of credit limits", it supports dynamic configuration of credit limit usage rules according to business scenario needs, realizing the leap from "dedicated credit limit" to "mixed use on demand", which greatly improves the efficiency of credit limit utilization and business adaptability, breaks down the credit limit barriers between business lines, and allows the credit limit to flow between different businesses on demand and according to rules, which greatly revitalizes idle credit resources and supports more complex business operations.

[0033] 2. Refined Risk Management: The granularity of credit limit management is refined from broad business categories to specific business categories. Combined with a real-time control engine, precise risk control is achieved for each interbank transaction, effectively reducing the risk of excessive transactions. The mixed-use rules are systematized and parameterized, and the "credit limit control engine" enables real-time and automatic credit limit verification and utilization during the transaction process. The risk control point is shifted from ex-post to in-process and ex-ante, significantly enhancing the initiative and accuracy of risk management.

[0034] 3. Automation and Efficiency Improvement: Transforming manual operations such as offline order approval into online and automated processes, using rule-driven automated processes, reduces human intervention, lowers operational risks, and significantly improves the efficiency and accuracy of asset management in the industry.

[0035] 4. Enhanced business adaptability: Configurable mixed-use rules enable the system to quickly adapt to new business types and complex transaction structures, providing flexible and reliable underlying quota management support for financial product innovation. Attached Figure Description

[0036] To better understand the above and other objects, features, advantages, and functions of the present invention, reference can be made to the embodiments shown in the accompanying drawings. The same reference numerals in the drawings refer to the same parts. Those skilled in the art should understand that the drawings are intended to schematically illustrate preferred embodiments of the invention and do not limit the scope of the invention in any way; the parts in the drawings are not drawn to scale.

[0037] Figure 1 This is a flowchart illustrating a method for interbank quota management based on mixed-use control according to the present invention.

[0038] Figure 2 This invention relates to a credit limit management information table for a peer customer in a peer credit limit management method based on mixed-use control.

[0039] Figure 3 This is a schematic diagram of the module structure of an interbank quota management system based on mixed-use control according to the present invention. Detailed Implementation

[0040] The exemplary embodiments of this disclosure are described below with reference to the accompanying drawings, including various details of the embodiments to aid understanding, and should be considered merely exemplary. Therefore, those skilled in the art will recognize that various changes and modifications can be made to the embodiments described herein without departing from the scope and spirit of this disclosure. Similarly, for clarity and brevity, descriptions of well-known functions and structures are omitted in the following description.

[0041] The term "comprising" and its variations as used herein signify open inclusion, i.e., "including but not limited to". Unless otherwise stated, the term "or" means "and / or". The term "based on" means "at least partially based on". The terms "one example embodiment" and "one embodiment" mean "at least one example embodiment". The term "another embodiment" means "at least one additional embodiment". The terms "first", "second", etc., may refer to different or the same objects. Other explicit and implicit definitions may also be included below.

[0042] In order to at least partially solve one or more of the above-mentioned problems and other potential problems, embodiments of this disclosure propose an interbank quota management method and system based on mixed-use control.

[0043] Example 1

[0044] like Figure 1 As shown, a method for managing interbank credit limits based on mixed-use control specifically includes the following steps:

[0045] S1 Interbank Client Information Maintenance: Currently, financial institutions establish client files for interbank client Bank A in the system, entering basic information such as its unified business license code, institution type (e.g., bank, insurance company, trust institution, etc.), capital size, and credit rating. Based on the client type, a preset risk assessment model is invoked to automatically or assistedly generate the client's initial risk level, and a total interbank credit line is set accordingly (e.g., 2 billion yuan).

[0046] S2 Interbank Credit Line and Mixed Use Rules: Within the total credit line of 2 billion yuan, the business department and risk management department jointly formulate detailed rules for the allocation and mixed use of credit lines for this interbank client, such as... Figure 2 The following is a table showing the credit limit management information of Bank A:

[0047] The basic credit line for interbank business is 800 million yuan, and it is allowed to use up to 30% (i.e., 240 million yuan) of its available credit line for discounting business in a "partial commingling" manner.

[0048] The basic quota for bill business is 600 million yuan, which is stipulated to be "for special use" and cannot be used by other businesses or the quota of other businesses.

[0049] The basic quota for discounting business is 400 million yuan, and it is set to be "cross-used" with the "pledge business". The quota pools of the two can be partially shared, but the sharing limit is 25% of the available quota.

[0050] The basic quota for pledge business is 200 million yuan, and it is set to be "cross-used" with the "discount business". The quota pools of the two can be partially shared, but the sharing limit is 30% of the available quota.

[0051] The above rules are configured through the system's "Quota Rule Management Module" and submitted for approval.

[0052] Business types include, but are not limited to, interbank business, bill business, discounting business, pledge business, credit enhancement business and other major business categories and their subcategories;

[0053] S3 Interbank Credit Initialization: Calculates and integrates the mixed-use rules to generate a credit management information table of customers, businesses, and available credit rules. This table records the credit pool status of various businesses of customers under different mixed-use rules.

[0054] S4 Interbank Quota Dynamic Adjustment: A discount transaction of 150 million yuan has occurred to Bank A. Checking Bank A's quota information and mixed-use rules in the quota management information table, the transaction type is identified as a discount transaction. The current available quota for discount transactions is 100 million yuan, resulting in a shortfall of 50 million yuan. Furthermore, it is found that Bank A can use interbank transactions for discounting. The basic quota for interbank transactions is 800 million yuan, the current available quota is 600 million yuan, and with partial mixed-use, no more than 30% of its available quota (i.e., 180 million yuan) can be used for discount transactions. Therefore, the available quota for interbank transactions will be reduced by 50 million yuan for this current discount transaction.

[0055] If a discount transaction of 300 million yuan is made to Bank A, and the discount transaction results in a shortfall of 200 million yuan according to the above method, which exceeds 30% of the current available interbank business quota (i.e., 180 million yuan), the transaction will be blocked and a "insufficient balance" message will be displayed.

[0056] S5 Credit Limit Monitoring and Early Warning: Bank A's credit limit changes can be displayed in real time on the monitoring dashboard. When a transaction triggers an early warning threshold or an attempt to exceed the limit is made, the system immediately blocks the transaction and sends an early warning message to management. The early warning threshold can be set for the total credit limit and / or the available credit limit for a major business category.

[0057] For example: Customer A has a total credit line of 1.5 billion. The completion of a 100 million interbank transaction will result in the following: the basic credit line for interbank transactions is 800 million, and the current available credit line is 100 million (700 million has been used, including 200 million that has been occupied); the basic credit line for bill transactions is 600 million, and the current available credit line is 60 million; the available credit line for other transactions is 0.

[0058] The system can set a warning threshold (such as 80% of the total quota being used), and will automatically send a warning message to the administrator when triggered.

[0059] When the warning threshold is set to the total amount and the condition is 90% of the upper limit (1.35 billion yuan), after the above-mentioned 100 million yuan interbank business is completed, the available credit for all businesses will be 160 million yuan, and the used credit will be 1.34 billion yuan. Since the total amount has not reached 90%, the warning will not be triggered.

[0060] When the warning threshold is set for the available credit of a business category and the condition is a lower limit of 20% (160 million yuan), if the available credit of the aforementioned 100 million yuan interbank business is completed and the available credit of the interbank business is less than 20%, then a warning will be triggered.

[0061] S6 Credit Limit Inquiry and Adjustment: Administrators can inquire about detailed credit limit usage records at any time, and can initiate credit limit or mixed usage rule adjustment processes through the system based on market changes or changes in customer relationships, which will take effect after approval.

[0062] In the above embodiments, the business quota allocation and mixed use rules are based on business categories as an example (first-level mixed use rules). In specific implementation, the mixed use rules can be refined to the business subcategories included in the business category according to the business statistics.

[0063] For example, the subcategories of interbank business include, but are not limited to, interbank lending, interbank deposits, bond trading, bond lending (loan), non-standard asset investment, bond funds, and pledged repurchase (reverse repurchase). Bill business includes, but is not limited to, outright rediscounting and pledged repurchase.

[0064] Further, second-level mixing rules can be set for specific business categories. These second-level mixing rules can be limited to mixing between business categories, or they can be used interchangeably with business categories or business categories from different business categories.

[0065] Example 2

[0066] like Figure 3 As shown, an interbank credit limit management system based on mixed-use control includes a customer information maintenance module 1, a credit limit rule management module 2, a credit limit data initialization module 3, a credit limit control engine 4, a credit limit monitoring and early warning module 5, and a query and adjustment module 6.

[0067] Customer information maintenance module 1 is used to establish and maintain a customer information database of peer financial institutions, and to identify risks and set total credit limits based on customer information;

[0068] The credit limit rule management module 2 is used to set specific credit limit information and configure credit limit mixing methods for different business types of specific peer customers within the framework of credit limit constraints. Based on the credit limit information and mixing methods, it systematically configures credit limit mixing rules.

[0069] The quota data initialization module 3 is used to calculate and integrate according to the quota mixing rules, and generate a structured quota management information table or data model that can be queried and calculated in real time.

[0070] The credit limit control engine 4, as a core component, is responsible for querying the credit limit management information table or calling the data model according to the business type when a business transaction is initiated, dynamically calculating the current actual available credit limit based on the mixed use rules, and executing the real-time occupation and release of the credit limit to ensure that each transaction is carried out within the total credit limit and the preset mixed use rules, and intercepting excess transactions in real time.

[0071] The quota monitoring and early warning module 5 provides a real-time monitoring interface and early warning mechanism, and generates early warning notifications for excessive transactions.

[0072] The query and adjustment module 6 is used to provide detailed quota query, data export and quota rule adjustment.

[0073] The above modules communicate and exchange data through an internal data bus or service interface, together forming a complete closed loop for quota control.

[0074] The key point of this invention lies in proposing a core control rule of "quota mixing," and constructing a matching, fully automated management mechanism covering the entire process from application and initialization to dynamic occupancy / release. The protected aspects include, but are not limited to: the definition and configuration method of quota mixing, the quota initialization and dynamic control mechanism based on the mixing rule, and the system architecture and storage medium for implementing this method.

[0075] The above description is merely a specific embodiment of the present invention, but the scope of protection of the present invention is not limited thereto. Any variations or substitutions that can be easily conceived by those skilled in the art within the scope of the technology disclosed in the present invention should be included within the scope of protection of the present invention. Therefore, the scope of protection of the present invention should be determined by the scope of the claims.

Claims

1. A method for interbank quota management based on mixed-use control, characterized in that, Includes the following steps: S1 Interbank Customer Information Maintenance: Establish and maintain a customer information database of interbank financial institutions. Customer information includes basic information of the institution, institution type, capital size, etc. Use risk assessment models to identify risks based on customer type, and set credit limits for the interbank customer based on the risk identification results. S2 Interbank Credit Limit and Mixed Use Rules Settings: Under the constraint framework of the credit limit, specific credit limit information is set for different business types, and the mixed use method of the credit limit is configured in a key way. Based on the credit limit information and the mixed use method, the mixed use rules of the credit limit are configured systematically. Credit limit information includes: interbank credit limit, intraday credit limit, remaining credit limit, credit period, and basic information on auxiliary elements; S3 interbank quota initialization: Based on the configured mixed use rules, calculations and integrations are performed to generate a structured quota management information table or data model that can be queried and calculated in real time; S4 Interbank Credit Limit Dynamic Adjustment: When a specific transaction occurs, based on the transaction type, the credit limit management information table is queried or the data model is called to dynamically calculate the current actual available credit limit according to the mixed use rules, and execute the real-time occupation and release of the credit limit to ensure that each transaction is carried out within the total credit limit and the preset mixed use rules, and to intercept excess transactions in real time.

2. The interbank quota management method based on mixed-use control as described in claim 1, characterized in that, It also includes credit limit monitoring and early warning: when an early warning threshold is triggered or an over-limit attempt is made, the system will block the transaction in real time and send an early warning message; it provides a graphical monitoring interface to display the real-time usage of credit limits for each customer and each business.

3. The interbank quota management method based on mixed-use control as described in claim 1, characterized in that, It also includes credit limit inquiry and adjustment: providing comprehensive historical transaction and credit limit usage details inquiry and export functions, and allowing authorized administrators to adjust existing credit limits or mixed usage rules online according to business needs, realizing full-process business management.

4. The interbank quota management method based on mixed-use control as described in claim 1, characterized in that, The mixed-use rules include first-level mixed-use rules. In the first-level mixed-use rules, the objects for setting business quota allocation and mixed-use conditions are limited to business categories.

5. The interbank quota management method based on mixed-use control as described in claim 4, characterized in that, The mixed use rules also include second-level mixed use rules. In the second-level mixed use rules, the objects for setting business quota allocation and mixed use conditions are limited to business subcategories under the same business category, or business category and business subcategories.

6. A method for interbank quota management based on mixed-use control as described in any one of claims 1 to 5, characterized in that, The rules for mixed use include mixed use methods and mixed use conditions. Mixed use methods include: full-service mixed use, partial mixed use, cross-mixed use, and special quota. Mixed use of all services means that the available credit limit of the current service can be borrowed by all other services; Partial commingling means that the available credit limit for the current business can be borrowed by one or more other businesses; Cross-use refers to allowing the available credit limits of multiple services to be borrowed from each other under preset cross-use conditions; "Special use" means that the available credit limit for the current business must not be used for other businesses and must be strictly used for its designated purpose.

7. An interbank credit limit management system based on mixed-use control, characterized in that, It includes a customer information maintenance module, a credit limit rule management module, a credit limit data initialization module, and a credit limit control engine. The customer information maintenance module is used to establish and maintain a customer information database of peer financial institutions, and to identify risks and set total credit limits based on customer information. The credit limit rules management module is used to configure business credit limits, credit limit mixing methods, and derived credit limit mixing rules for specific peer customers; The quota data initialization module is used to generate and store structured quota management information according to the quota mixing rules; The credit limit control engine, as the core of the system, is responsible for calculating, verifying, and controlling the credit limit by calling the credit limit management information based on the customer's type and transaction type when a business transaction is initiated.

8. The interbank quota management method based on mixed-use control as described in claim 1, characterized in that, It also includes a quota monitoring and early warning module and / or a query and adjustment module. The quota monitoring and early warning module provides a real-time monitoring interface and early warning mechanism, and generates early warning notifications for excessive transactions. The query and adjustment module is used to provide quota details query, data export and quota rule adjustment.

9. An electronic device comprising a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the processor executes the program to implement the steps of the interbank quota management method based on mixed-use control as described in any one of claims 1-6.

10. A computer-readable storage medium having a computer program stored thereon, which, when executed by a processor, implements the steps of the interbank quota management method based on mixed-use control as described in any one of claims 1-6.

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