Method and device for calculating financial credit quota of second-hand car and storage medium

Abstract

The application relates to a second-hand vehicle financial credit quota calculation method and device and a storage medium. The method comprises the following steps: acquiring input parameters, including a vehicle evaluation price, a price adjustment coefficient, a loan application amount, a risk control credit quota of each financial product, a down payment ratio and a scene identifier; acquiring product configuration information, including a lower limit and an upper limit of allowed loans of each financial product; adjusting the vehicle evaluation price by using the price adjustment coefficient to obtain a floating price; calculating a strategy quota of each financial product based on the loan application amount, the vehicle evaluation price and the floating price; determining a branch according to the scene identifier, and calculating a limited quota by limiting the strategy quota based on the risk control credit quota and the down payment ratio; and for each financial product, calculating an intersection of three intervals determined based on the limited quota, a reference price, a down payment ratio range and product configuration information to obtain an available loan quota interval. The method can improve the configuration flexibility and scene adaptability of quota calculation.

Description

Technical Field

[0001] This application relates to the field of financial credit technology, and in particular to a method, device and storage medium for calculating the financial credit limit for used cars. Background Technology

[0002] In the context of used car financing and lending, the loan amount calculation process requires comprehensive information from multiple dimensions, including vehicle valuation, applicant's credit status, differentiated rules of different financial products, and risk control requirements of the funding party.

[0003] In traditional technologies, credit limit calculation logic is typically implemented using hard-coded methods. Developers need to write separate calculation codes for different financial products and approval scenarios. When business rules change, such as adjusting the loan limit for a product or adding a new approval scenario, it is usually necessary to locate and modify multiple parts of the code, or rewrite an entire set of calculation logic.

[0004] Therefore, the above methods suffer from rigid computational logic and insufficient configuration flexibility. When new product types or funding party pricing rules need to be supported, it is difficult to adapt to changes through simple configuration adjustments, resulting in high system maintenance costs and the potential for errors when modifying code. Therefore, improving the adaptability and configuration flexibility of financial credit calculation to different products and scenarios has become a pressing technical problem that needs to be solved. Summary of the Invention

[0005] Therefore, it is necessary to provide a financial credit limit calculation method that can improve the configuration flexibility and scenario adaptability of financial credit limit calculation, addressing the aforementioned technical issues.

[0006] Firstly, this application provides a method for calculating the credit limit for used car financing, including:

[0007] Obtain input parameters and product configuration information related to the loan application. The input parameters include vehicle valuation price, price adjustment coefficient, loan amount, applicant's risk control credit limit and down payment ratio for each financial product, and scenario identifier. The product configuration information includes the minimum and maximum allowable loan amount for each financial product.

[0008] The estimated price of the vehicle is adjusted using the aforementioned price adjustment coefficient to obtain a floating price;

[0009] Based on the loan application amount, the vehicle valuation price, and the floating price, calculate the strategic limit for each financial product;

[0010] The calculation branch is determined based on the scenario identifier. Within each calculation branch, the limit of the strategy limit is calculated based on the risk control credit limit and down payment ratio of each financial product to obtain the limited limit of each financial product.

[0011] For each financial product, the first credit limit range determined based on the restricted credit limit, the second credit limit range determined based on the vehicle valuation price and down payment ratio range, and the third credit limit range determined based on the product configuration information of the financial product are used as constraints. The intersection of the first credit limit range, the second credit limit range, and the third credit limit range is calculated to obtain the available loan limit range for each financial product.

[0012] Secondly, this application also provides a used car financial credit line calculation device, including:

[0013] The loan parameter acquisition module is used to acquire input parameters related to the loan application. The input parameters include the vehicle valuation price, price adjustment coefficient, loan amount, the applicant's risk control credit limit and down payment ratio for each financial product, and scenario identifier.

[0014] The product rules acquisition module is used to acquire product configuration information, which includes the minimum and maximum allowable loan limits for each financial product.

[0015] The floating price calculation module is used to adjust the estimated price of the vehicle using the price adjustment coefficient to obtain a floating price;

[0016] The basic credit limit calculation module is used to calculate the strategic credit limit for each financial product based on the loan application amount, the vehicle valuation price, and the floating price.

[0017] First, the credit limit calculation module is used to determine the calculation branch based on the scenario identifier. Within different calculation branches, the strategy credit limit is limited based on the risk control credit limit and down payment ratio of each financial product to obtain the limited credit limit of each financial product.

[0018] The available credit limit range calculation module is used to calculate the intersection of the first credit limit range, the second credit limit range, and the third credit limit range for each financial product, taking the first credit limit range determined based on the restricted credit limit, the second credit limit range determined based on the vehicle valuation price and down payment ratio range, and the third credit limit range determined based on the product configuration information of the financial product as constraints, to obtain the available loan limit range for each financial product.

[0019] Thirdly, this application also provides a computer-readable storage medium having a computer program stored thereon, which, when executed by a processor, implements the steps of the method in the first aspect.

[0020] The aforementioned method for calculating used car financing credit limits utilizes a pre-stored product configuration table, eliminating the need for separate calculation logic for each product type. Branching based on scenario identifiers and applying different rules within each branch ensures a single calculation framework is compatible with various approval scenarios, eliminating the need for writing independent code for each scenario. By automatically calculating three constraint ranges—limited credit limit, reference price and down payment ratio range, and product configuration information—human error is avoided. When new product types need to be supported or pricing rules adjusted, only product configuration information or input parameters need to be modified, improving the adaptability and configuration flexibility of financing credit limit calculation across different products and scenarios. Attached Figure Description

[0021] To more clearly illustrate the technical solutions in the embodiments of this application or related technologies, the drawings used in the description of the embodiments of this application or related technologies will be briefly introduced below. Obviously, the drawings described below are only some embodiments of this application. For those skilled in the art, other related drawings can be obtained based on these drawings without creative effort.

[0022] Figure 1 This is a flowchart illustrating a method for calculating the credit limit for used car financing in one embodiment.

[0023] Figure 2 This is a flowchart illustrating the steps for calculating the final available loan amount range in one embodiment.

[0024] Figure 3 This is a diagram illustrating the application environment of a used car finance credit limit calculation method in one embodiment.

[0025] Figure 4 This is a structural block diagram of a used car financial credit limit calculation device in one embodiment. Detailed Implementation

[0026] To make the objectives, technical solutions, and advantages of this application clearer, the following detailed description is provided in conjunction with the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are merely illustrative and not intended to limit the scope of this application.

[0027] In one exemplary embodiment, such as Figure 1 As shown, a method for calculating the credit limit for used car financing is provided, including the following steps:

[0028] Step S101: Obtain input parameters and product configuration information related to the loan application.

[0029] The input parameters include the vehicle's estimated price, price adjustment coefficient, loan amount, the applicant's risk control credit limit and down payment ratio for each financial product, and scenario identifier.

[0030] As you can understand, the input parameters are multi-dimensional data describing a specific loan application. The vehicle valuation price is a market reference price provided by an external assessment platform. The price adjustment coefficient can be used to reflect the adjustment range of the vehicle's transaction price by the dealer or a specific marketing campaign. The loan amount refers to the amount of loan applied for by the applicant. The risk control credit limit and down payment ratio are the maximum loan amount and minimum down payment ratio available to the applicant, calculated by the risk control system based on the applicant's qualifications for each financial product. The scenario identifier is used to distinguish different approval processes, such as instant approval, non-instant approval, or review processes.

[0031] Product configuration information consists of static rules preset for different financial products. It includes the minimum and maximum allowable loan amounts for each financial product. The minimum and maximum allowable loan amounts refer to the minimum and maximum values ​​stipulated for that financial product. This product configuration information can be stored in a configuration file or a database table.

[0032] For example, when the credit system receives a loan application number, the system obtains the vehicle's estimated value and the loan amount, and calls the risk control interface to obtain the applicant's risk control results. These results include the credit limit and down payment ratio for different product types, such as the first financial product and the second financial product. Simultaneously, the system reads the product configuration table to obtain the minimum and maximum allowable loan amounts for each financial product. The scenario identifier can be directly passed in from the upstream system based on the output of the rules engine.

[0033] Step S102: Adjust the vehicle valuation price using a price adjustment coefficient to obtain a floating price.

[0034] The floating price reflects the market-adjusted value of the vehicle. This step converts a fixed valuation price into a dynamic price to accommodate the pricing needs of different automakers or marketing strategies.

[0035] Step S103: Calculate the strategic limit for each financial product based on the loan application amount, vehicle valuation price, and floating price.

[0036] The strategic quota is used to initially determine the reference value of the loan that each financial product can provide, based on two dimensions: the applicant's loan application needs and the vehicle value.

[0037] Different calculation methods can be set for different financial products. For example, for the first and second financial products, the system directly uses the loan application amount as its strategy limit. For the third financial product, the system takes the minimum value of the loan application amount, the floating price multiplied by a preset coefficient, and a preset price cap coefficient. For the fourth financial product, the system takes the minimum value of the loan application amount, the vehicle valuation price multiplied by a preset coefficient, and a preset price cap coefficient. By using different calculation methods for different products, differentiated processing of different solutions can be achieved.

[0038] Step S104: Determine the calculation branch based on the scenario identifier. Within different calculation branches, calculate the limit of the strategy based on the risk control credit limit and down payment ratio of each financial product to obtain the limited limit of each financial product.

[0039] Among them, the restricted limit refers to the result obtained by restricting the initial strategy limit under specific approval scenarios, taking into account the applicant's creditworthiness, namely the credit limit and the down payment ratio.

[0040] For example, the scenario identifier may include a first scenario and a second scenario. The first scenario may be an instant approval scenario, which is for applicants whose credit qualifications meet the preset high standards and can enter the final review stage without supplementing additional materials. The second scenario is a non-instant approval scenario, which indicates that the applicant's credit qualifications are at a medium level and that some materials need to be supplemented before entering the final review stage.

[0041] The constraints used vary depending on the scenario, and specific constraints can be set according to the actual scenario; this application does not impose any restrictions on this. This step routes the computation branches through scenario identifiers, enabling the same computation framework to be compatible with multiple approval scenarios without the need to write separate computation logic for each scenario.

[0042] Step S105: For each financial product, the first credit limit range determined based on the limited credit limit, the second credit limit range determined based on the vehicle valuation price and down payment ratio range, and the third credit limit range determined based on the product configuration information of the financial product are used as constraints. The intersection of the first credit limit range, the second credit limit range, and the third credit limit range is calculated to obtain the available loan limit range for each financial product.

[0043] The down payment ratio range consists of the minimum and maximum down payment ratios preset by the financial product. The purpose of the interval intersection is to automatically calculate the final loan amount range that simultaneously meets all conditions from multiple independent constraints.

[0044] For example, the system first constructs three ranges: the first range is [0, restricted amount], the second range is [reference price × minimum down payment ratio, reference price × maximum down payment ratio], and the third range is [allowed loan lower limit, allowed loan upper limit].

[0045] Then, the intersection of the three intervals is calculated. If the calculated starting point is less than or equal to the ending point, it indicates that a feasible loan solution exists, and the closed interval formed by the starting point and the ending point is the available loan amount range for the financial product. If the starting point is greater than the ending point, it is determined that there is no available financial solution for the current product.

[0046] The aforementioned configurable financial credit limit calculation method utilizes a pre-stored product configuration table, eliminating the need to implement separate calculation logic for each product type. Branching based on scenario identifiers and applying different rules within different branches ensures the same calculation framework is compatible with various approval scenarios, eliminating the need to write independent code for each scenario. Automatic calculation of three constraint ranges—limited credit limit, reference price and down payment ratio range, and product configuration information—avoids human error. When new product types need support or pricing rules need adjustment, only product configuration information or input parameters need modification, improving the adaptability and configuration flexibility of financial credit limit calculation across different products and scenarios.

[0047] In an exemplary embodiment, step S102 includes the following steps:

[0048] Step S201: Calculate the price adjustment increment.

[0049] The price adjustment increment is the minimum of the product of the vehicle's estimated price and the price adjustment coefficient, plus a preset price adjustment cap. The price adjustment coefficient controls the percentage of the price adjustment, while the price adjustment cap limits the absolute amount of the price adjustment.

[0050] For example, suppose the estimated value of a vehicle is 100,000 yuan, the price adjustment coefficient is 5%, and the upper limit of the price adjustment is 3,000 yuan. The product of the estimated value and the price adjustment coefficient is 5,000 yuan. Since 5,000 yuan is greater than the upper limit of 3,000 yuan, the smaller value, 3,000 yuan, is used for the price adjustment increment. This mechanism prevents uncontrolled price adjustments due to an excessively high price adjustment coefficient.

[0051] Step S202: The sum of the vehicle's estimated price and the price adjustment increment is used as the floating price.

[0052] Continuing with the example above, if we calculate the sum of the vehicle's estimated price of 100,000 yuan and the price adjustment increment of 3,000 yuan, then 103,000 yuan is the floating price.

[0053] In this embodiment, a price adjustment cap is introduced to constrain the price adjustment range, and the smaller value between the price adjustment coefficient and the price adjustment cap is used as the price adjustment increment. This ensures that the calculation of floating prices can both respond to the price adjustment needs of car dealers or marketing activities and limit the price adjustment range within preset boundaries. Furthermore, the price adjustment coefficient and price adjustment cap are designed as configurable input parameters, allowing the price adjustment rules to be dynamically adjusted without modifying the code, thus improving the system's flexibility.

[0054] In an exemplary embodiment, step S103 includes the following steps:

[0055] Step S301: Based on the product type of the financial product, determine the corresponding benchmark price from the vehicle valuation price and floating price, and determine the corresponding calculation coefficient.

[0056] Different financial products correspond to different product types. Each product type is pre-associated with rules for selecting a benchmark price and calculation coefficients. The benchmark price can be either the vehicle's estimated value or a floating price. The calculation coefficients are used to scale the benchmark price.

[0057] Step S302: The minimum value among the products of the loan application amount, the benchmark price, and the calculation coefficient is taken as the strategic limit of the financial product.

[0058] For example, the strategy limit calculation method can be set for different financial products as follows:

[0059] The first type of financial product strategy limit = the amount of loan applied for by the customer;

[0060] Second-class financial product strategy limit = min(loan application amount, calculation coefficient of third financial product × floating price of third product, price ceiling coefficient of second financial product);

[0061] The third type of financial product strategy limit = min(customer loan application amount, calculation coefficient of the fourth financial product × vehicle valuation price, and price ceiling coefficient of the fourth financial product).

[0062] In this embodiment, the configurability and scalability of the strategy quota calculation are improved for different products.

[0063] In an exemplary embodiment, the scenario identifier includes an instant approval identifier and a non-instant approval identifier. Instant approval means that the applicant's creditworthiness meets the preset standards and can directly enter the final review stage. Step S104 above may specifically include the following steps:

[0064] If the scenario is marked as "instant approval", then the minimum value among the strategy limit, risk control credit limit, first limit, and second limit will be used as the restricted limit for the financial product.

[0065] The first limit is calculated based on the applicant's down payment ratio and the vehicle's estimated price, while the second limit is calculated based on the applicant's down payment ratio and the floating price.

[0066] For example, the first limit = (1 - down payment ratio) × vehicle valuation price, and the second limit = (1 - down payment ratio) × floating price.

[0067] In one embodiment, if the scenario identifier is not an instant approval identifier, the strategy limit is used as the restricted limit for the financial product.

[0068] Furthermore, in another embodiment, if the scenario is identified as non-instant approval, obtaining the limited limit for each financial product also includes:

[0069] Calculate the instant approval limit for the reduced credit limit. The instant approval limit for the reduced credit limit is equal to the restricted credit limit under the instant approval mark.

[0070] Among them, "reduced loan amount with instant approval" refers to a compromise solution for some applicants with good credit in non-instant approval scenarios. If the applicant accepts a loan amount lower than the normal amount, they can still enjoy a fast process similar to instant approval without having to supplement materials.

[0071] In this embodiment, a scenario identifier distinguishes between instant approval and non-instant approval branches. In the instant approval branch, multiple constraint factors are used to constrain the policy limit, ensuring credit security for high-quality customers. In the non-instant approval branch, the policy limit is used directly, reducing unnecessary computational overhead. Simultaneously, a reduced instant approval limit is additionally calculated in the non-instant approval branch, providing an alternative for some customers. This design allows the same computational framework to simultaneously support multiple approval modes, including instant approval, non-instant approval, and reduced instant approval, without requiring separate computational logic for each mode. This effectively improves the scenario compatibility and code reusability of the credit limit calculation method.

[0072] It is understood that in the above embodiments, the available loan amount range is the calculation result of the preliminary review stage. The preliminary review refers to the automated assessment stage before the loan application enters the manual review process. This range serves as a reference for subsequent approval and has not been reviewed or adjusted by human credit review personnel.

[0073] In real-world business scenarios, some loan applications require a final review stage after the initial review. The final review refers to the process of confirming the loan amount based on the initial review and the manual review opinions of credit officers. During the final review stage, credit officers may adjust the loan amount or down payment ratio determined in the initial review stage based on supplementary materials provided by the applicant or the results of the face-to-face interview. To integrate the results of manual adjustments into the loan amount calculation framework, this invention also provides the following embodiments for the final review stage.

[0074] In an exemplary embodiment, the input parameters also include the modified credit limit and the modified down payment ratio. The modified credit limit refers to the maximum loan amount approved for the applicant by the credit reviewer after manual review, and the modified down payment ratio refers to the minimum down payment required from the applicant after manual review. Figure 2 As shown, the above method also includes the following steps:

[0075] Step S401: Obtain the range of available loan amounts for the initial review.

[0076] Step S402: Calculate the maximum loanable amount after the credit review modification based on the modified credit limit, modified down payment ratio, vehicle valuation price, and floating price.

[0077] For example, the maximum loan amount after the credit review is revised is calculated as follows: the minimum of the revised credit review amount, the first revised limit calculated based on the revised down payment ratio and the vehicle valuation price, and the second revised limit calculated based on the revised down payment ratio and the floating price. The first revised limit = (1 - revised down payment ratio) × vehicle valuation price, and the second revised limit = (1 - revised down payment ratio) × floating price.

[0078] This calculation reflects the final loan ceiling determined by credit reviewers after manual review, based on three dimensions: the applicant's credit limit, the residual value corresponding to the vehicle's manufacturer's suggested retail price, and the residual value corresponding to the vehicle's floating price.

[0079] Step S403: Use the maximum loanable amount after credit review as the upper limit of the first limit range, and recalculate the intersection to obtain the final approved loan limit range for the financial product.

[0080] In the final review stage, the first credit limit range is updated to [0, the maximum loanable amount after credit review modification]. The definitions of the second and third credit limit ranges remain consistent with the initial review stage, i.e., the second credit limit range is [reference price × minimum down payment ratio, reference price × maximum down payment ratio], and the third credit limit range is [allowed lower limit, allowed upper limit]. The system recalculates the intersection of these three ranges, with the starting point being the maximum value of the three range starting points and the ending point being the minimum value of the three range ending points. If the starting point is less than or equal to the ending point, then this closed range is the final approved available loan amount range; otherwise, it is determined that there is no available financial solution.

[0081] In this embodiment, by introducing the credit review modification limit and the credit review modification down payment ratio as dynamic input parameters, and recalculating the maximum loanable limit after credit review modification based on these two parameters, and then using this value as the new upper limit of the first limit range to participate in the interval intersection calculation, the integration of the manual intervention results of credit review personnel with the automated limit calculation framework is realized, which improves the system's integration efficiency and flexibility for manual review scenarios.

[0082] It should be understood that although the steps in the flowcharts of the embodiments described above are shown sequentially according to the arrows, these steps are not necessarily executed in the order indicated by the arrows. Unless explicitly stated herein, there is no strict order restriction on the execution of these steps, and they can be executed in other orders. Moreover, at least some steps in the flowcharts of the embodiments described above may include multiple steps or multiple stages. These steps or stages are not necessarily completed at the same time, but can be executed at different times. The execution order of these steps or stages is not necessarily sequential, but can be performed alternately or in turn with other steps or at least some of the steps or stages of other steps.

[0083] The used car financial credit limit calculation method provided in the above embodiments can be applied to, for example, Figure 3 In the application environment shown, terminal 502 communicates with server 504 via a network. A data storage system can store data that server 504 needs to process, such as product configuration information. The data storage system can be integrated onto server 504 or located in the cloud or on other network servers. An applicant initiates a loan application through terminal 502, which sends the application information to server 504. Upon receiving this information, server 504 executes the aforementioned used car financial credit limit calculation method. Terminal 502 can be, but is not limited to, various personal computers, laptops, smartphones, tablets, IoT devices, and portable wearable devices. Portable wearable devices can be smartwatches, smart bracelets, head-mounted devices, etc. Head-mounted devices can be virtual reality (VR) devices, augmented reality (AR) devices, smart glasses, etc. Server 504 can be a standalone physical server, a server cluster or distributed system composed of multiple physical servers, or a cloud server providing cloud computing services.

[0084] Based on the same inventive concept, this application also provides an apparatus for implementing the aforementioned method for calculating used car financial credit limits. The solution provided by this apparatus is similar to the implementation described in the above method; therefore, the specific limitations of one or more embodiments of the used car financial credit limit calculation apparatus provided below can be found in the limitations of the used car financial credit limit calculation method described above, and will not be repeated here.

[0085] In one exemplary embodiment, such as Figure 4 As shown, a used car financial credit limit calculation device 600 is provided, comprising:

[0086] The loan parameter acquisition module 601 is used to acquire input parameters related to the loan application. The input parameters include the vehicle valuation price, price adjustment coefficient, loan amount, the applicant's risk control credit limit and down payment ratio for each financial product, and scenario identifier.

[0087] Product rule acquisition module 602 is used to acquire product configuration information, which includes the minimum and maximum allowable loan limits for each financial product.

[0088] The floating price calculation module 603 is used to adjust the vehicle valuation price using a price adjustment coefficient to obtain a floating price.

[0089] The basic credit limit calculation module 604 is used to calculate the strategic credit limit for each financial product based on the loan application amount, vehicle valuation price, and floating price.

[0090] The restricted credit limit calculation module 605 is used to determine the calculation branch based on the scenario identifier, and calculate the restricted credit limit for each financial product based on the risk control credit limit and down payment ratio of each financial product.

[0091] The available credit limit range calculation module 606 is used to calculate the intersection of the first credit limit range, the second credit limit range, the reference price and down payment ratio range, and the third credit limit range, which are determined based on the product configuration information of the financial product, for each financial product, and to obtain the available loan limit range for each financial product.

[0092] In one embodiment, the above-mentioned device further includes a credit limit calculation module, which is used to calculate the maximum loanable amount after credit review modification based on the modified credit limit, the modified down payment ratio, the vehicle valuation price, and the floating price; and to use the maximum loanable amount after credit review modification as the upper limit of the first limit range, and recalculate the intersection to obtain the final available loan limit range of the financial product.

[0093] Each module in the aforementioned used car finance credit limit calculation device can be implemented entirely or partially through software, hardware, or a combination thereof. These modules can be embedded in or independent of the processor in a computer device, or stored in the memory of a computer device as software, so that the processor can call and execute the corresponding operations of each module.

[0094] In one embodiment, a computer-readable storage medium is provided having a computer program stored thereon that, when executed by a processor, implements the steps in the above method embodiments.

[0095] It should be noted that the user information (including but not limited to user device information, user personal information, etc.) and data (including but not limited to data used for analysis, data stored, data displayed, etc.) involved in this application are all information and data authorized by the user or fully authorized by all parties, and the collection, use and processing of the relevant data must comply with relevant regulations.

[0096] Those skilled in the art will understand that all or part of the processes in the methods of the above embodiments can be implemented by a computer program instructing related hardware. The computer program can be stored in a non-volatile computer-readable storage medium, and when executed, it can include the processes of the embodiments of the above methods. Any references to memory, databases, or other media used in the embodiments provided in this application can include at least one of non-volatile memory and volatile memory. Non-volatile memory can include read-only memory (ROM), magnetic tape, floppy disk, flash memory, optical memory, high-density embedded non-volatile memory, resistive random access memory (ReRAM), magnetic random access memory (MRAM), ferroelectric random access memory (FRAM), phase change memory (PCM), graphene memory, etc. Volatile memory can include random access memory (RAM) or external cache memory, etc. By way of illustration and not limitation, RAM can take many forms, such as Static Random Access Memory (SRAM) or Dynamic Random Access Memory (DRAM). The databases involved in the embodiments provided in this application may include at least one type of relational database and non-relational database. Non-relational databases may include, but are not limited to, blockchain-based distributed databases. The processors involved in the embodiments provided in this application may be general-purpose processors, central processing units, graphics processing units, digital signal processors, programmable logic devices, quantum computing-based data processing logic devices, artificial intelligence (AI) processors, etc., and are not limited to these.

[0097] The technical features of the above embodiments can be combined in any way. For the sake of brevity, not all possible combinations of the technical features in the above embodiments are described. However, as long as there is no contradiction in the combination of these technical features, they should be considered to be within the scope of this application.

[0098] The embodiments described above are merely illustrative of several implementation methods of this application, and while the descriptions are specific and detailed, they should not be construed as limiting the scope of this patent application. It should be noted that those skilled in the art can make various modifications and improvements without departing from the concept of this application, and these all fall within the protection scope of this application. Therefore, the protection scope of this application should be determined by the appended claims.

Claims

1. A method for calculating the financial credit limit for used cars, characterized in that, The method includes: Obtain input parameters and product configuration information related to the loan application. The input parameters include vehicle valuation price, price adjustment coefficient, loan amount, applicant's risk control credit limit and down payment ratio for each financial product, and scenario identifier. The product configuration information includes the minimum and maximum allowable loan amount for each financial product. The estimated price of the vehicle is adjusted using the aforementioned price adjustment coefficient to obtain a floating price; Based on the loan application amount, the vehicle valuation price, and the floating price, calculate the strategic limit for each financial product; The calculation branch is determined based on the scenario identifier. Within each calculation branch, the limit of the strategy limit is calculated based on the risk control credit limit and down payment ratio of each financial product to obtain the limited limit of each financial product. For each financial product, the first credit limit range determined based on the restricted credit limit, the second credit limit range determined based on the vehicle valuation price and down payment ratio range, and the third credit limit range determined based on the product configuration information of the financial product are used as constraints. The intersection of the first credit limit range, the second credit limit range, and the third credit limit range is calculated to obtain the available loan limit range for each financial product.

2. The method according to claim 1, characterized in that, The adjustment of the vehicle's estimated price using the price adjustment coefficient to obtain a floating price includes: Calculate the price adjustment increment, which is the minimum of the product of the vehicle's estimated price and the price adjustment coefficient and the preset price adjustment upper limit; The sum of the estimated vehicle price and the price adjustment increment is used as the floating price.

3. The method according to claim 1, characterized in that, The calculation of the strategy limit for each financial product based on the loan application amount, the vehicle valuation price, and the floating price includes: Based on the product type of the financial product, determine the corresponding benchmark price from the vehicle valuation price and the floating price, and determine the corresponding calculation coefficient; The minimum value among the products of the loan application amount, the benchmark price, and the calculation coefficient is taken as the strategic limit of the financial product.

4. The method according to claim 1, characterized in that, The scenario identifier includes an instant approval identifier; the step of determining a calculation branch based on the scenario identifier, and within different calculation branches, calculating a limited limit on the strategy limit based on the risk control credit limit and down payment ratio of each financial product, yields the limited limit for each financial product, including: If the scenario identifier is an instant approval identifier, then the minimum value among the strategy limit, the risk control credit limit, the first limit calculated based on the down payment ratio and the vehicle valuation price, and the second limit calculated based on the down payment ratio and the floating price shall be used as the restricted limit of the financial product.

5. The method according to claim 4, characterized in that, The method for obtaining the limited limit for each of the financial products also includes: If the scenario identifier is not the instant approval identifier, then the strategy limit will be used as the restricted limit for the financial product.

6. The method according to claim 5, characterized in that, If the scenario is identified as non-instant approval, obtaining the limited limit for each financial product further includes: Calculate the instant approval limit for the reduced credit limit, which is equal to the restricted credit limit under the instant approval identifier.

7. The method according to any one of claims 1 to 6, characterized in that, The input parameters also include the credit limit modification amount and the down payment ratio modification for credit review; the method also includes: Based on the modified credit limit, the modified down payment ratio, the vehicle valuation price, and the floating price, calculate the maximum loanable amount after the credit review is modified. The maximum loanable amount after the credit review is modified is used as the upper limit of the first amount range, and the intersection is recalculated to obtain the final available loan amount range of the financial product.

8. A device for calculating the credit limit for used car financing, characterized in that, The device includes: The loan parameter acquisition module is used to acquire input parameters related to the loan application. The input parameters include the vehicle valuation price, price adjustment coefficient, loan amount, the applicant's risk control credit limit and down payment ratio for each financial product, and scenario identifier. The product rules acquisition module is used to acquire product configuration information, which includes the minimum and maximum allowable loan limits for each financial product. The floating price calculation module is used to adjust the estimated price of the vehicle using the price adjustment coefficient to obtain a floating price; The basic credit limit calculation module is used to calculate the strategic credit limit for each financial product based on the loan application amount, the vehicle valuation price, and the floating price. First, the credit limit calculation module is used to determine the calculation branch based on the scenario identifier. Within different calculation branches, the strategy credit limit is limited based on the risk control credit limit and down payment ratio of each financial product to obtain the limited credit limit of each financial product. The available credit limit range calculation module is used to calculate the intersection of the first credit limit range, the second credit limit range, and the third credit limit range for each financial product, taking the first credit limit range determined based on the restricted credit limit, the second credit limit range determined based on the vehicle valuation price and down payment ratio range, and the third credit limit range determined based on the product configuration information of the financial product as constraints, to obtain the available loan limit range for each financial product.

9. The apparatus according to claim 8, characterized in that, The input parameters also include the credit limit modification amount and the down payment ratio modification for credit review, and the device further includes: The credit limit calculation module is used to calculate the maximum loanable amount after the credit review modification based on the modified credit limit, the modified down payment ratio, the vehicle valuation price, and the floating price; and to use the maximum loanable amount after the credit review modification as the upper limit of the first limit range, and to recalculate the intersection to obtain the final available loan limit range of the financial product.

10. A computer-readable storage medium having a computer program stored thereon, characterized in that, When the computer program is executed by a processor, it implements the steps of the method according to any one of claims 1 to 6.

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