CN109785107A

CN109785107A - Method and Related product based on fund accounting flexible configuration

Info

Publication number: CN109785107A
Application number: CN201811525670.XA
Authority: CN
Inventors: 李芳云
Original assignee: Ping An Technology Shenzhen Co Ltd
Current assignee: Ping An Technology Shenzhen Co Ltd
Priority date: 2018-12-13
Filing date: 2018-12-13
Publication date: 2019-05-21
Anticipated expiration: 2038-12-13
Also published as: CN109785107B

Abstract

The embodiment of the present application discloses a kind of bank server, fund accounting flexible configuration method and Related product, applied to bank server, method includes: to detect current fund in the quantity on order monitoring period of time of pre-configuration and configure the period received loan order for target loan project, secondly, the fund accounting of the second copending loan order is adjusted according to received loan order, finally, in the corresponding review operation examined process cycle and complete the second copending loan order of quantity on order monitoring period of time of pre-configuration.The embodiment of the present application advantageously reduces the average examination & approval duration in user's loan order, to balance bank server in utilization rate in different time periods, improves bank for the examination & approval efficiency for order of providing a loan, meets the needs of more users are for loan.

Description

Method for flexibly configuring based on capital proportion and related product

Technical Field

The application relates to the technical field of servers, in particular to a bank server, a fund share flexible configuration method and a related product.

Background

With the continuous improvement of living standard of people, the consumption concept of people is gradually changed, and more people tend to meet the current shopping requirement through loan. Resulting in a busy related loan service for the current bank. In order to meet the requirement of the public for quickly and efficiently taking the loan amount, at present, some loan items of a bank are jointly paid with a small loan company when paying, the bank and the small loan company pay the loan items according to a preset fixed fund occupation ratio, the paying mode cannot fully utilize the amount of the small loan company in a preset time period, and the load of a bank server in some time periods is easily overhigh, and the processing efficiency of the bank is reduced.

Disclosure of Invention

The embodiment of the application discloses a bank server, a fund proportion flexible configuration method and related products, which are used for ensuring the stability of cooperation of a small credit company and a bank, meeting the demand of a large number of users for making loans to the bank, efficiently utilizing the released fund of the small credit company and accelerating the examination and approval processing efficiency of the bank.

In a first aspect, an embodiment of the present application provides a fund share ratio flexible configuration method, which is applied to a bank server, where the bank server is in communication connection with a loan platform server and a small loan company server, and the platform server is in communication connection with a mobile terminal through a loan client, where the method includes:

detecting a loan order for the target loan item that has been received by a current fund configuration cycle at a preconfigured order quantity monitoring period;

adjusting the fund ratio of the second loan order to be examined and approved according to the received loan order;

and completing the examination and approval operation of the second loan order to be examined and approved in an examination and approval processing period corresponding to the preconfigured order quantity monitoring period.

In a second aspect, an embodiment of the present application provides a bank server configured flexibly based on a fund proportion, where the bank server includes:

a verification unit: for verifying user information in the loan order;

a determination unit: for determining a fund share ratio of the bank and the lending company of the loan order during the fund allocation period;

an approval unit: and the system is used for carrying out approval operation on the loan order after determining the fund proportion of the loan order.

In a third aspect, an embodiment of the present application provides a bank server, including an application processor, a memory, a communication interface, and one or more programs, stored in the memory and configured to be executed by the application processor, where the program includes instructions for performing the steps of any of the methods of the first aspect of the embodiment of the present application.

In a fourth aspect, the present application provides a computer-readable storage medium, where the computer-readable storage medium stores a computer program for electronic data exchange, where the computer program makes a computer perform part or all of the steps described in any one of the methods of the first aspect of the present application.

In a fifth aspect, the present application provides a computer program product, wherein the computer program product includes a non-transitory computer-readable storage medium storing a computer program, and the computer program is operable to cause a computer to perform some or all of the steps as described in any one of the methods of the first aspect of the embodiments of the present application. The computer program product may be a software installation package.

It can be seen that, in the embodiment of the present application, the bank server first detects, in the preconfigured order quantity monitoring period, a loan order for the target loan item that is received in the current fund configuration period, then adjusts the fund proportion of the second loan order to be approved according to the received loan order, and finally completes the approval operation of the second loan order to be approved in the approval processing period corresponding to the preconfigured order quantity monitoring period. The method comprises the steps that a capital allocation period refers to a loan period of a small loan company for a target loan item, an order quantity monitoring period is related to an examination and approval processing period in the capital allocation period, the duration of the examination and approval processing period is smaller than that of the capital allocation period, loan orders comprise examined and approved first loan orders and second loan orders to be examined and approved, the target loan item is jointly paid by a bank and the small loan company, a capital proportion refers to the proportion of first loan and second loan, first loan is the capital paid out by the bank in each loan order, and second loan is the capital paid out by the small loan company in each loan order. Therefore, the bank server can dynamically adjust the fund proportion of the loan orders, so that as many loan orders as possible in the current fund configuration period can be approved, the situations that the loan orders cannot be approved, namely the approval operation cannot be executed, and the approval period of the loan orders is prolonged due to the fact that the loanable funds of the small loan company are exhausted too early by using a single fund proportion under the condition that the loan orders are large in quantity are avoided, and the average approval duration in the loan orders of the users is reduced, so that the utilization rate of the bank server in different time periods is balanced, the approval efficiency of the bank for the loan orders is improved, and the requirements of more users for loans are met.

Drawings

In order to more clearly illustrate the embodiments of the present application or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments of the present application, and for those skilled in the art, other drawings can be obtained according to the drawings without creative efforts.

FIG. 1A is a schematic diagram of an architecture of a method for flexibly configuring a fund proportion according to an embodiment of the present application;

FIG. 1 is a flow chart of a method for flexibly configuring a fund proportion according to an embodiment of the present application;

FIG. 2 is a flow chart of another method for flexibly configuring fund proportions according to an embodiment of the present application;

FIG. 3 is a flow chart of another method for flexibly configuring fund proportions according to an embodiment of the present application;

FIG. 4 is a schematic structural diagram of a bank server flexibly configured based on the ratio of funds;

fig. 5 is a block diagram of functional units of a bank server configured flexibly based on a fund proportion according to an embodiment of the present application.

Detailed Description

In order to make the technical solutions of the present application better understood, the technical solutions in the embodiments of the present application will be clearly and completely described below with reference to the drawings in the embodiments of the present application, and it is obvious that the described embodiments are only a part of the embodiments of the present application, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present application.

The terms "first," "second," and the like in the description and claims of the present application and in the above-described drawings are used for distinguishing between different objects and not for describing a particular order. Furthermore, the terms "include" and "have," as well as any variations thereof, are intended to cover non-exclusive inclusions. For example, a process, method, system, article, or apparatus that comprises a list of steps or elements is not limited to only those steps or elements listed, but may alternatively include other steps or elements not listed, or inherent to such process, method, article, or apparatus.

Reference herein to "an embodiment" means that a particular feature, structure, or characteristic described in connection with the embodiment can be included in at least one embodiment of the application. The appearances of the phrase in various places in the specification are not necessarily all referring to the same embodiment, nor are separate or alternative embodiments mutually exclusive of other embodiments. It is explicitly and implicitly understood by one skilled in the art that the embodiments described herein can be combined with other embodiments.

The server in the present application may include a smart Phone (such as an Android Phone, an iOS Phone, a Windows Phone, etc.), a tablet computer, a palm computer, a notebook computer, a Mobile internet device MID (MID), a wearable device, etc., and the above servers are merely examples, but not exhaustive, and include but not limited to the above servers, and for convenience of description, the above servers are referred to as User equipment UE (UE) in the following embodiments. Of course, in practical applications, the user equipment is not limited to the above presentation form, and may also include: intelligent vehicle-mounted terminal, computer equipment and the like.

The following describes embodiments of the present application in detail.

Referring to fig. 1, fig. 1 is a schematic flow chart of a method for flexibly configuring a fund proportion, which is applied to a bank server according to an embodiment of the present application, and as shown in the figure, the method includes steps 101 to 103:

step 101, a bank server detects a received loan order aiming at a target loan project in a current fund configuration period at a preset order quantity monitoring period;

the loan order is generated by loan information input by a user through a mobile terminal of the user and is sent to the platform server through the mobile terminal, and the platform server determines a corresponding bank according to information aiming at a target loan item in the loan order and sends the loan order to the bank server. The target loan program has a pre-configured proportion of funds funded by the bank in conjunction with the lending company.

Step 102, the bank server adjusts the fund ratio of the second loan order to be examined and approved according to the received loan order;

the bank server determines the fund condition in the current examination and approval processing period according to the funding condition of the received loan order, and adjusts the fund proportion of the second loan order to be examined and approved according to the current fund condition.

And 103, completing the examination and approval operation of the second loan order to be examined and approved in the examination and approval processing period corresponding to the preconfigured order quantity monitoring period.

After the approval operation of the second loan order is completed, reading project information of the target loan item, wherein the project information comprises at least one of the following items: loan interest fee, loan waiting time and repayment time; and sending the information to a platform server, sending auditing passing information to each mobile terminal corresponding to the second loan order to be approved through the platform server, wherein the auditing passing information comprises the project information and the fund proportion for examining and approving the second loan order to be approved, and the mobile terminal displays the fund proportion to a user in a form of a graph through a display screen.

Referring to fig. 1A, referring to the specific hardware architecture involved in the execution process of the steps 101 to 103, fig. 1A is an architecture diagram of a method for flexibly configuring fund proportions provided in the present embodiment;

the mobile terminal receives loan information of a user at first and sends the loan information to the platform server, the platform server forwards the loan information to the bank server, the bank server verifies relevant information and evaluates the relevant user information after receiving the loan information, generates a loan order according to the loan information for the user who passes the information verification and evaluation and regards the user as a user meeting loan conditions, sends request information to the small loan company server, receives fund information of the small loan company, completes approval operation of the loan order according to the fund information of the small loan company, the current loan order quantity and a target loan project, sends approved order information to the small loan company server so that the small loan company can pay according to the fund proportion in the order information, and sends the approved order information to the platform server, and the platform server forwards the approved order information to the mobile terminal, and the mobile terminal displays the approval result on a display.

It can be seen that, in the embodiment of the present application, the bank server first detects, in the preconfigured order quantity monitoring period, a loan order for the target loan item that is received in the current fund configuration period, then adjusts the fund proportion of the second loan order to be approved according to the received loan order, and finally completes the approval operation of the second loan order to be approved in the approval processing period corresponding to the preconfigured order quantity monitoring period. Wherein,

the fund allocation period refers to a loan period of a small loan company for a target loan item, the order quantity monitoring period is related to an examination and approval processing period in the fund allocation period, the duration of the examination and approval processing period is less than that of the fund allocation period, the loan orders comprise first approved loan orders and second approved loan orders, the target loan item is paid by a bank and the small loan company together, the fund proportion refers to the proportion of the first loan orders and the second loan orders, the first loan orders are funds paid out by the bank, and the second loan orders are funds paid out by the small loan company. Therefore, the bank server can dynamically adjust the fund proportion of the loan orders, so that as many loan orders as possible in the current fund configuration period can be approved, the situations that the loan orders cannot be approved, namely the approval operation cannot be executed, and the approval period of the loan orders is prolonged due to the fact that the loanable funds of the small loan company are exhausted too early by using a single fund proportion under the condition that the loan orders are large in quantity are avoided, and the average approval duration in the loan orders of the users is reduced, so that the utilization rate of the bank server in different time periods is balanced, the approval efficiency of the bank for the loan orders is improved, and the requirements of more users for loans are met.

For example, assuming that the bank has a fund allocation period of 1 day and an approval processing period of 6 hours, the bank will perform approval operations on loan orders at 0, 6, 12 and 18 points every day, the bank refreshes the fund allocation period at 0 point every day, and at 0 point-6, 6-12, 12-18 and 18-24 points every day, the lenders release different amount thresholds in the four approval periods, assuming that 100 ten thousand can be released by the lenders each day, the first approval period (0 to 6) threshold is 20 ten thousand, the second approval period (6 to 12) threshold is 50 ten thousand, the third approval period (12 to 18) threshold is 80 ten thousand, the fourth approval period (18 to 24) threshold is 100 ten thousand, for example, the current time point is in the time period of the third approval period, the order quantity monitoring time period set from 17 to 18 points as the third approval period is set, the bank obtains loan orders in the current fund configuration period in the time period, determines orders for the target loan items according to the target loan items to be processed currently, counts approved first loan orders in the first approval time period and the second approval time period in the orders for the target loan items, obtains the fund proportion information of each order in the first loan orders, and calculates the used amount of money released by the current small loan company, wherein the used amount is less than or equal to the released amount value of 50 ten thousand in the second approval period. Counting the loan orders received in the current third approval period, reading the stored pre-configured fund proportion, calculating a first amount value required by the received loan orders in the third approval period according to the pre-configured fund proportion, judging whether the sum of the used amount and the first amount value is greater than the amount threshold value of the third approval period, and if not, performing approval operation on the loan orders received in the third approval period according to the pre-configured fund proportion; if so, calculating a first difference value between the amount threshold of the third approval period and the used amount, calculating an average amount of the loan orders received in the third approval period averagely allocated to the first difference value and a fund amount of each loan order received by the small loan company in the third approval period and aiming at the target loan item, determining the amount of money to be financed by the bank according to the amount of the target loan item, obtaining a fund ratio, adjusting the pre-configured fund ratio according to the obtained fund ratio, and beginning to approve the loan orders received in the third approval period at 18 points.

In one possible example, the method of detecting, during a preconfigured order quantity monitoring period, that a loan order for a targeted loan item has been received for a current fund allocation cycle includes: obtaining a plurality of loan orders; screening a first amount of loan orders for a target loan item from the plurality of loan orders; and screening the loan orders associated with the approval processing period from the first amount of loan orders.

The bank server firstly obtains a plurality of loan orders of the current bank server, secondly determines a target loan project to be approved currently, and extracts necessary information in the target loan project, including but not limited to: loan amount, estimated approval duration of the loan, and loan term number. Extracting corresponding category information in the plurality of loan orders according to the extracted necessary information in the target loan project, determining the loan amount value in the loan order, and whether the estimated examination and approval time length value and the loan term number of the loan are consistent with the value or the value range in the target loan project, if so, screening the loan orders with consistent information to generate a first quantity order; and the bank server determines the current examination and approval processing period according to the current time point, and determines the loan orders in the current examination and approval processing period in the first quantity orders.

Therefore, in the example, the information characteristics of the loan order and the examination and approval processing period can be used for accurately finding the order required by the bank at present, so that the search time of the loan order is shortened, and the examination and approval processing efficiency of the bank is improved.

In one possible example, the method of detecting, during a preconfigured order quantity monitoring period, that a loan order for a targeted loan item has been received for a current fund allocation cycle includes: obtaining a plurality of loan orders; screening out a first quantity of loan orders from said plurality of loan orders associated with said approval process period; and screening out the loan order aiming at the target loan term from the first amount of loan orders.

The method comprises the following steps that a bank server firstly obtains a plurality of loan orders of a current bank server, the bank server determines a current examination and approval processing period according to a current time point, judges whether the loan orders are orders generated in the current examination and approval processing period according to the time point generated by the loan orders, screens the loan orders if the loan orders are orders generated in the current examination and approval processing period, obtains a first amount of loan orders, secondly determines a current target loan project to be examined and approved, and extracts necessary information in the target loan project, wherein the information comprises but is not limited to: loan amount, estimated approval duration of the loan, and loan term number. Extracting corresponding category information in the first amount of loan orders according to the extracted necessary information in the target loan project, determining the loan amount value in the first amount of loan orders, and determining whether the estimated examination and approval duration value and the loan term number of the loan are consistent with the value or the value range in the target loan project, if so, screening out the consistent orders in the first amount of loan orders to obtain the orders aiming at the target loan project in the first amount of orders.

Therefore, in the example, the current bank required order can be accurately found through the current approval processing period and the information characteristics of the loan order, so that the search time of the loan order is reduced, and the approval processing efficiency of the bank is improved.

In one possible example, the obtaining a plurality of loan orders, the method comprises: receiving a plurality of loan requests from the loan platform server, the loan requests being entered by a user through the mobile terminal; extracting user information and loan information in each loan request in the plurality of loan requests, and verifying the authenticity of the user information; if the user information is verified to be real, inquiring a first preset corresponding relation by taking the user information and the loan information as inquiry identifications, acquiring a first label corresponding to the user information, inquiring a second preset corresponding relation, and acquiring a second label corresponding to the loan information, wherein the first preset corresponding relation is the corresponding relation between a user information combination and a label, and the second preset corresponding relation is the corresponding relation between the loan information and the label; and inquiring a preset matching relation, and if the first label and the second label are pairable labels in the preset matching relation, determining that the loan request passes the audit, wherein the preset matching relation is a matching relation established based on the fund compensation ability value in the user information and the loan fund amount value in the loan information. And generating a loan order according to the loan request which passes the examination.

Wherein the user information may include, but is not limited to: the method comprises the steps that information such as user gender, age, telephone, mailbox, family members, occupation, work units, salaries and credit records is verified by a bank server, and then a first label corresponding to user information is generated according to the user information. The loan information includes, but is not limited to: loan amount, estimated approval duration of the loan, and loan term number. The fund compensation ability value is generated according to salary conditions in the user information and comprehensive evaluation of work stability and credit records obtained by a work unit. And if the fund compensation ability value can meet the repayment of the related loan amount in the preset matching relationship, matching the fund compensation ability value and the related loan amount, and matching the first tag and the second tag.

Therefore, in the example, the bank server firstly verifies the authenticity of the user information, avoids confusion caused by false orders and influences on the operation and maintenance of the whole bank, secondly establishes a corresponding matching relationship, and generates the loan order only after the user is determined to have the repayment capability of the related loan, so that the workload of the approval processing process is fundamentally reduced, and the approval processing efficiency of the bank on the loan order is improved.

In one possible example, the adjusting the fund share ratio of the second pending loan order based on the received loan order comprises: acquiring the fund proportion condition of each loan order in the first loan orders; determining the amount of money used by the small loan company in the fund allocation period according to the quantity of the first loan order and the fund proportion of each loan order;

and obtaining a pre-configured fund proportion, and determining the fund proportion of the second loan order in the examination and approval processing period associated with the order quantity monitoring period according to the target loan item, the second loan order, the pre-configured fund proportion, the used amount and an amount threshold of the examination and approval processing period associated with the order quantity monitoring period, wherein the amount threshold is the maximum value which can be reached by the used amount of the lending company in the fund configuration period after the examination and approval operation of the second loan order to be examined and approved is completed in the examination and approval period associated with the order quantity monitoring period, and the pre-configured fund proportion is associated with the target loan item.

The preset fund proportion is a funding proportion value of a bank and a small loan company preset according to a target loan project and aiming at the target loan project, whether approval operation of the loan order can be carried out according to the preset fund proportion is judged according to the condition of a loan order to be approved, the preset fund proportion and an amount threshold value in an approval processing period, and if not, the preset fund proportion needs to be updated, and then the approval operation of the order is carried out according to the preset fund proportion.

It can be seen that, in the present example, the bank determines the condition of the funds used by the current bank and the small loan company through the first loan order which is currently approved, and the evaluation of the current fund condition is facilitated so as to facilitate the next relevant operation. And flexibly adjusting the fund proportion of the second loan order according to the used fund condition and the set amount threshold, avoiding the condition that the small loan company runs out of funds in the fund configuration period, meeting more user loan requirements, reducing the waiting time for approval of the user, completing approval operation of the loan order in the fund configuration period in the current fund configuration period, balancing the approval task amount and accelerating the approval processing efficiency of the bank.

In one possible example, the method may include determining the proportion of funds in the second loan order during the approval process cycle associated with the order quantity monitoring period based on the targeted loan item, the second loan order, the pre-configured proportion of funds, the used amount, and an amount threshold of the approval process cycle associated with the order quantity monitoring period, the method including: according to the target loan item, the preconfigured fund proportion and the quantity of the second loan order to be examined and approved, determining the pre-released fund of an examination and approval period associated with an order quantity monitoring period, wherein the pre-released fund is the fund which needs to be paid by the small loan company according to the preconfigured fund proportion and is configured by the small loan company in the examination and approval processing period associated with the monitoring period; and comparing the pre-released amount with available funds, and determining the fund proportion of the second loan order to be examined and approved according to the comparison result, wherein the available funds are the difference between the amount threshold of the examination and approval processing period associated with the order quantity monitoring period and the used amount.

In this example, the bank server determines the fund proportion of the second loan order by comparing the pre-loan amount with the available fund, so that the subsequent adjustment of the fund proportion is facilitated, and the processing efficiency of the bank on the loan order is improved.

In one possible example, the method may include: if the pre-set money amount is smaller than the available fund, the fund proportion of the second loan order to be examined and approved is the pre-set fund proportion; and if the preset money amount is larger than the current available fund, updating the preconfigured fund proportion according to an average fund value and the fund value of the target loan item, and determining the fund proportion of the second loan order to be examined and approved according to the preconfigured fund proportion, wherein the average fund value is the fund value averagely distributed to each order in the second loan order to be examined and approved by the available fund.

And under the condition that the amount of the pre-paid money is larger than the current available money, the money ratio of the loan orders needs to be adjusted, the current available money is averagely distributed to each order in the second loan orders to obtain an average money amount value, the pre-configured money ratio is updated by combining the money amount value of the target loan item, and the money ratio of a bank and a small loan company in the second loan order is determined to be the updated pre-configured money ratio.

Therefore, in the example, the fund occupation ratio is flexibly adjusted through the comparison result, the fund in the specified time of the small loan company is fully utilized, the waiting time in the loan process of the user is shortened, the utilization rate of the bank server in different time periods is balanced, the approval efficiency of the bank for loan orders is improved, and the demands of more users for loan are met.

Referring to fig. 2, fig. 2 is a schematic flow chart of another method for flexibly configuring based on fund share according to an embodiment of the present application, where the method is applied to a bank server, and the method includes the contents of steps 201 to 206:

step 201, obtaining a plurality of loan orders;

step 202, screening out a first amount of loan orders aiming at a target loan item from the plurality of loan orders;

step 203, screening out loan orders related to the examination and approval processing period from the first amount of loan orders;

step 204, obtaining the fund ratio condition of each loan order in the first loan order;

step 205, determining the amount of money used by the small loan company in the money allocation period according to the amount of the first loan order and the ratio of the money of each loan order;

step 206, obtaining a pre-configured fund proportion, and determining the fund proportion of the second loan order in the examination and approval processing period associated with the order quantity monitoring period according to the target loan item, the second loan order, the pre-configured fund proportion, the used amount and the amount threshold of the examination and approval processing period associated with the order quantity monitoring period.

It can be seen that, in the embodiment of the present application, the bank server firstly obtains a plurality of loan orders, secondly screens out a first quantity of loan orders for the target loan item from the plurality of loan orders, and secondly screens out a loan order associated with the approval processing period from the affiliated first quantity of loan orders; secondly, acquiring the fund ratio condition of each loan order in the first loan order; secondly, determining the amount of money used by the small loan company in the money allocation period according to the quantity of the first loan order and the fund proportion of each loan order; and finally, determining the fund proportion of the second loan order in the examination and approval processing period associated with the order quantity monitoring period according to the target loan item, the second loan order, the pre-configured fund proportion, the used amount and the amount threshold value of the examination and approval processing period associated with the order quantity monitoring period. Therefore, the bank server can dynamically adjust the fund proportion of the loan orders, so that as many loan orders as possible in the current fund configuration period can be approved, the situations that the loan orders cannot be approved, namely the approval operation cannot be executed, and the approval period of the loan orders is prolonged due to the fact that the loanable funds of the small loan company are exhausted too early by using a single fund proportion under the condition that the loan orders are large in quantity are avoided, and the average approval duration in the loan orders of the users is reduced, so that the utilization rate of the bank server in different time periods is balanced, the approval efficiency of the bank for the loan orders is improved, and the requirements of more users for loans are met.

In addition, the bank server can send loan interest fee, loan waiting time, repayment time and the fund proportion of the second loan order to the mobile terminal through the platform server, and the mobile terminal displays relevant information so that a user can inquire the loan interest fee, the loan waiting time, the repayment time and the fund proportion of the second loan order on an interactive interface as required, and the data use convenience is improved.

Referring to fig. 3, fig. 3 is a schematic flowchart of another method for flexibly configuring based on fund share according to an embodiment of the present application, where the method is applied to a bank server, and the method includes the contents of steps 301 to 305:

step 301, receiving a plurality of loan requests from the loan platform server, wherein the loan requests are input by a user through the mobile terminal;

step 302, extracting user information and loan information in each loan request in the plurality of loan requests, and verifying the authenticity of the user information;

step 303, if it is verified that the user information is true, querying a first preset corresponding relationship by using the user information and the loan information as query identifiers, obtaining a first tag corresponding to the user information, querying a second preset corresponding relationship, and obtaining a second tag corresponding to the loan information, where the first preset corresponding relationship is a corresponding relationship between a user information combination and a tag, and the second preset corresponding relationship is a corresponding relationship between the loan information and a tag;

step 304, inquiring a preset matching relationship, and if the first tag and the second tag are pairable tags in the preset matching relationship, determining that the loan request passes the audit, wherein the preset matching relationship is a matching relationship established based on a fund compensation ability value in the user information and a loan amount value in the loan information;

step 305, generating a loan order according to the loan request which passes the examination.

Step 306, screening a first amount of loan orders associated with the approval process period from the plurality of loan orders;

step 307, screening out a loan order aiming at the target loan term from the first amount of loan orders;

step 308, obtaining the capital proportion of each loan order in the first loan order;

step 309, determining the amount of money used by the small loan company in the money allocation period according to the amount of the first loan order and the ratio of money of each loan order;

step 310, acquiring a pre-configured fund proportion, and determining pre-released funds of an examination and approval cycle associated with an order quantity monitoring period according to the target loan item, the pre-configured fund proportion and the quantity of the second loan order to be examined and approved, wherein the pre-released funds are funds which need to be paid out by the small loan company according to the pre-configured fund proportion and are configured by the small loan company in the examination and approval processing cycle associated with the monitoring period;

and 311, comparing the pre-paid amount with available funds, and determining the fund ratio of the second loan order to be examined and approved according to the comparison result.

It can be seen that, in the embodiment of the present application, first, a bank server receives a plurality of loan requests from the loan platform server, where the loan requests are entered by a user through the mobile terminal; secondly, extracting the user information and the loan information in each loan request in the plurality of loan requests, and verifying the authenticity of the user information; secondly, if the user information is verified to be true, inquiring a first preset corresponding relation by taking the user information and the loan information as inquiry identifications, acquiring a first label corresponding to the user information, inquiring a second preset corresponding relation, and acquiring a second label corresponding to the loan information, wherein the first preset corresponding relation is a corresponding relation between a user information combination and a label, and the second preset corresponding relation is a corresponding relation between the loan information and the label; secondly, inquiring a preset matching relationship, and if the first tag and the second tag are pairable tags in the preset matching relationship, determining that the loan request passes the audit, wherein the preset matching relationship is a matching relationship established based on a fund compensation ability value in the user information and a loan amount value in the loan information; secondly, generating loan orders according to the loan requests which pass the examination and the approval, and screening out a first amount of loan orders related to the examination and approval processing period from the plurality of loan orders; secondly, screening out loan orders aiming at the target loan terms from the first amount of loan orders; secondly, acquiring the fund ratio condition of each loan order in the first loan order; secondly, determining the amount of money used by the small loan company in the money allocation period according to the quantity of the first loan order and the fund proportion of each loan order; secondly, according to the target loan item, the preconfigured fund proportion and the quantity of the second loan order to be examined and approved, determining the pre-released fund of an examination and approval period associated with an order quantity monitoring period, wherein the pre-released fund is the fund which needs to be paid out by the small loan company according to the preconfigured fund proportion and configured by the small loan company in the examination and approval processing period associated with the monitoring period; and finally, comparing the pre-paid amount with available funds, and determining the fund ratio of the second loan order to be examined and approved according to the comparison result. Therefore, the bank server can dynamically adjust the fund proportion of the loan orders, so that as many loan orders as possible in the current fund configuration period can be approved, the situations that the loan orders cannot be approved, namely the approval operation cannot be executed, and the approval period of the loan orders is prolonged due to the fact that the loanable funds of the small loan company are exhausted too early by using a single fund proportion under the condition that the loan orders are large in quantity are avoided, and the average approval duration in the loan orders of the users is reduced, so that the utilization rate of the bank server in different time periods is balanced, the approval efficiency of the bank for the loan orders is improved, and the requirements of more users for loans are met.

In accordance with the embodiments shown in fig. 1, fig. 2, and fig. 3, please refer to fig. 4, fig. 4 is a schematic structural diagram of a banking server 400 configured flexibly based on fund proportion according to an embodiment of the present application, as shown in fig. 4, the banking server 400 includes an application processor 410, a memory 420, a communication interface 430, and one or more programs 421, where the one or more programs 421 are stored in the memory 420 and configured to be executed by the processor 410, and the one or more programs 421 include instructions for performing the following steps;

detecting a loan order received in a current fund configuration period aiming at a target loan project at a pre-configured order quantity monitoring period, wherein the fund configuration period refers to a loan period of the small loan company aiming at the target loan project, the order quantity monitoring period is associated with an approval processing period in the fund configuration period, the duration of the approval processing period is less than that of the fund configuration period, the loan order comprises a first approved loan order and a second loan order to be approved, and the target loan project is funded by the bank and the small loan company together;

adjusting the fund proportion of the second loan order to be examined and approved according to the received loan order, wherein the fund proportion refers to the proportion of first financing and second financing, the first financing is the fund paid out by the bank in each loan order, and the second financing is the fund paid out by the small loan company in each loan order;

In one possible example, in connection with the detecting, at the preconfigured order quantity monitoring period, that a loan order for the targeted loan item has been received for the current fund allocation cycle, the instructions in the program are specifically for: obtaining a plurality of loan orders; screening a first amount of loan orders for a target loan item from the plurality of loan orders; and screening the loan orders associated with the approval processing period from the first amount of loan orders.

In one possible example, in connection with the detecting, at the preconfigured order quantity monitoring period, that a loan order for the targeted loan item has been received for the current fund allocation cycle, the instructions in the program are specifically for: obtaining a plurality of loan orders; screening out a first quantity of loan orders from said plurality of loan orders associated with said approval process period; and screening out the loan order aiming at the target loan term from the first amount of loan orders.

In one possible example, in connection with the obtaining the plurality of loan orders, the instructions in the program are specifically for performing the following: receiving a plurality of loan requests from the loan platform server, the loan requests being entered by a user through the mobile terminal; extracting user information and loan information in each loan request in the plurality of loan requests, and verifying the authenticity of the user information; if the user information is verified to be real, inquiring a first preset corresponding relation by taking the user information and the loan information as inquiry identifications, acquiring a first label corresponding to the user information, inquiring a second preset corresponding relation, and acquiring a second label corresponding to the loan information, wherein the first preset corresponding relation is the corresponding relation between a user information combination and a label, and the second preset corresponding relation is the corresponding relation between the loan information and the label; inquiring a preset matching relationship, and if the first tag and the second tag are pairable tags in the preset matching relationship, determining that the loan request passes the audit, wherein the preset matching relationship is a matching relationship established based on a fund compensation ability value in the user information and a loan fund amount value in the loan information; and generating a loan order according to the loan request which passes the examination.

In one possible example, in said adjusting the fund ratio of the pending second loan order from the received loan order, the instructions in the program are specifically for: acquiring the fund proportion condition of each loan order in the first loan orders; determining the amount of money used by the small loan company in the fund allocation period according to the quantity of the first loan order and the fund proportion of each loan order; and obtaining a pre-configured fund proportion, and determining the fund proportion of the second loan order in the examination and approval processing period associated with the order quantity monitoring period according to the target loan item, the second loan order, the pre-configured fund proportion, the used amount and an amount threshold of the examination and approval processing period associated with the order quantity monitoring period, wherein the amount threshold is the maximum value which can be reached by the used amount of the lending company in the fund configuration period after the examination and approval operation of the second loan order to be examined and approved is completed in the examination and approval period associated with the order quantity monitoring period, and the pre-configured fund proportion is associated with the target loan item.

In one possible example, in the aspect of determining the fund share of the second loan order within the approval processing cycle associated with the order quantity monitoring period according to the target loan item, the second loan order, the preconfigured fund share, the used amount, and an amount threshold of the approval processing cycle associated with the order quantity monitoring period, the instructions in the program are specifically configured to: according to the target loan item, the preconfigured fund proportion and the quantity of the second loan order to be examined and approved, determining the pre-released fund of an examination and approval period associated with an order quantity monitoring period, wherein the pre-released fund is the fund which needs to be paid by the small loan company according to the preconfigured fund proportion and is configured by the small loan company in the examination and approval processing period associated with the monitoring period; and comparing the pre-released amount with available funds, and determining the fund proportion of the second loan order to be examined and approved according to the comparison result, wherein the available funds are the difference between the amount threshold of the examination and approval processing period associated with the order quantity monitoring period and the used amount.

In one possible example, in the determining the proportion of funds in the second loan order pending approval based on the comparison, the instructions in the program are specifically configured to: if the pre-set money amount is smaller than the available fund, the fund proportion of the second loan order to be examined and approved is the pre-set fund proportion; and if the preset money amount is larger than the current available fund, updating the preconfigured fund proportion according to an average fund value and the fund value of the target loan item, and determining the fund proportion of the second loan order to be examined and approved according to the preconfigured fund proportion, wherein the average fund value is the fund value averagely distributed to each order in the second loan order to be examined and approved by the available fund.

Referring to fig. 5, fig. 5 is a block diagram showing a possible functional unit composition of a bank server 500 of the method for flexible configuration based on fund proportion according to the above embodiment, where the bank server 500 includes an acquiring unit 510, a verifying unit 520, a determining unit 530, and an approving unit 540;

an obtaining unit 510, configured to obtain a loan order for the target loan item, which has been received in a current fund configuration period;

a verification unit 520, configured to verify user information in the loan order;

a determining unit 530, configured to determine the ratio of the funds of the bank and the small loan company in the fund allocation period for the loan order;

and an approval unit 540, configured to approve the loan order after determining the fund proportion of the loan order.

In one possible example, in detecting that a loan order for a targeted loan item has been received for a current funding cycle for a preconfigured order quantity monitoring period, the obtaining unit 510 is configured to: obtaining a plurality of loan orders; screening a first amount of loan orders for a target loan item from the plurality of loan orders; and screening the loan orders associated with the approval processing period from the first amount of loan orders.

In one possible example, in detecting that a loan order for a targeted loan item has been received for a current funding cycle for a preconfigured order quantity monitoring period, the obtaining unit 510 is configured to: obtaining a plurality of loan orders; screening out a first quantity of loan orders from said plurality of loan orders associated with said approval process period; and screening out the loan order aiming at the target loan term from the first amount of loan orders.

In one possible example, in terms of the obtaining the plurality of loan orders, the verification unit 520 is configured to: receiving a plurality of loan requests from the loan platform server, the loan requests being entered by a user through the mobile terminal; extracting user information and loan information in each loan request in the plurality of loan requests, and verifying the authenticity of the user information; if the user information is verified to be real, inquiring a first preset corresponding relation by taking the user information and the loan information as inquiry identifications, acquiring a first label corresponding to the user information, inquiring a second preset corresponding relation, and acquiring a second label corresponding to the loan information, wherein the first preset corresponding relation is the corresponding relation between a user information combination and a label, and the second preset corresponding relation is the corresponding relation between the loan information and the label; inquiring a preset matching relationship, and if the first tag and the second tag are pairable tags in the preset matching relationship, determining that the loan request passes the audit, wherein the preset matching relationship is a matching relationship established based on a fund compensation ability value in the user information and a loan fund amount value in the loan information; and generating a loan order according to the loan request which passes the examination.

In one possible example, in terms of said adjusting the fund proportion of said pending second loan order according to said received loan order, said determining unit 530 is configured to: acquiring the fund proportion condition of each loan order in the first loan orders; determining the amount of money used by the small loan company in the fund allocation period according to the quantity of the first loan order and the fund proportion of each loan order; and obtaining a pre-configured fund proportion, and determining the fund proportion of the second loan order in the examination and approval processing period associated with the order quantity monitoring period according to the target loan item, the second loan order, the pre-configured fund proportion, the used amount and an amount threshold of the examination and approval processing period associated with the order quantity monitoring period, wherein the amount threshold is the maximum value which can be reached by the used amount of the lending company in the fund configuration period after the examination and approval operation of the second loan order to be examined and approved is completed in the examination and approval period associated with the order quantity monitoring period, and the pre-configured fund proportion is associated with the target loan item.

In one possible example, in the aspect of determining the fund share of the second loan order within the approval processing cycle associated with the order quantity monitoring period according to the target loan item, the second loan order, the pre-configured fund share, the used amount, and the amount threshold of the approval processing cycle associated with the order quantity monitoring period, the determining unit 530 is configured to: according to the target loan item, the preconfigured fund proportion and the quantity of the second loan order to be examined and approved, determining the pre-released fund of an examination and approval period associated with an order quantity monitoring period, wherein the pre-released fund is the fund which needs to be paid by the small loan company according to the preconfigured fund proportion and is configured by the small loan company in the examination and approval processing period associated with the monitoring period; and comparing the pre-released amount with available funds, and determining the fund proportion of the second loan order to be examined and approved according to the comparison result, wherein the available funds are the difference between the amount threshold of the examination and approval processing period associated with the order quantity monitoring period and the used amount.

In one possible example, in the aspect of determining the fund proportion of the second loan order to be approved according to the comparison result, the determining unit 530 is configured to: if the pre-set money amount is smaller than the available fund, the fund proportion of the second loan order to be examined and approved is the pre-set fund proportion; and if the preset money amount is larger than the current available fund, updating the preconfigured fund proportion according to an average fund value and the fund value of the target loan item, and determining the fund proportion of the second loan order to be examined and approved according to the preconfigured fund proportion, wherein the average fund value is the fund value averagely distributed to each order in the second loan order to be examined and approved by the available fund.

In one possible example, in the aspect of determining the fund proportion of the pending second loan order according to the comparison result, the approval unit 540 is configured to: and examining and approving the loan orders with the user information meeting the conditions according to the adjusted fund proportion.

Embodiments of the present application also provide a computer storage medium, where the computer storage medium stores a computer program for electronic data exchange, and the computer program enables a computer to execute part or all of the steps of any one of the methods described in the above method embodiments, and the computer includes a mobile terminal.

Embodiments of the present application also provide a computer program product comprising a non-transitory computer readable storage medium storing a computer program operable to cause a computer to perform some or all of the steps of any of the methods as described in the above method embodiments. The computer program product may be a software installation package, the computer comprising a mobile terminal.

It should be noted that, for simplicity of description, the above-mentioned method embodiments are described as a series of acts or combination of acts, but those skilled in the art will recognize that the present application is not limited by the order of acts described, as some steps may occur in other orders or concurrently depending on the application. Further, those skilled in the art should also appreciate that the embodiments described in the specification are preferred embodiments and that the acts and modules referred to are not necessarily required in this application.

In the foregoing embodiments, the descriptions of the respective embodiments have respective emphasis, and for parts that are not described in detail in a certain embodiment, reference may be made to related descriptions of other embodiments.

In the embodiments provided in the present application, it should be understood that the disclosed apparatus may be implemented in other manners. For example, the above-described embodiments of the apparatus are merely illustrative, and for example, the above-described division of the units is only one type of division of logical functions, and other divisions may be realized in practice, for example, a plurality of units or components may be combined or integrated into another system, or some features may be omitted, or not executed. In addition, the shown or discussed mutual coupling or direct coupling or communication connection may be an indirect coupling or communication connection of some interfaces, devices or units, and may be an electric or other form.

The units described as separate parts may or may not be physically separate, and parts displayed as units may or may not be physical units, may be located in one place, or may be distributed on a plurality of network units. Some or all of the units can be selected according to actual needs to achieve the purpose of the solution of the embodiment.

In addition, functional units in the embodiments of the present application may be integrated into one processing unit, or each unit may exist alone physically, or two or more units are integrated into one unit. The integrated unit can be realized in a form of hardware, and can also be realized in a form of a software functional unit.

The integrated unit may be stored in a computer readable memory if it is implemented in the form of a software functional unit and sold or used as a stand-alone product. Based on such understanding, the technical solution of the present application may be substantially implemented or a part of or all or part of the technical solution contributing to the prior art may be embodied in the form of a software product stored in a memory, and including several instructions for causing a computer device (which may be a personal computer, a server, or a network device) to execute all or part of the steps of the above-mentioned method of the embodiments of the present application. And the aforementioned memory comprises: a U-disk, a Read-Only Memory (ROM), a Random Access Memory (RAM), a removable hard disk, a magnetic or optical disk, and other various media capable of storing program codes.

Those skilled in the art will appreciate that all or part of the steps in the methods of the above embodiments may be implemented by associated hardware instructed by a program, which may be stored in a computer-readable memory, which may include: flash Memory disks, Read-Only memories (ROMs), Random Access Memories (RAMs), magnetic or optical disks, and the like.

The foregoing detailed description of the embodiments of the present application has been presented to illustrate the principles and implementations of the present application, and the above description of the embodiments is only provided to help understand the method and the core concept of the present application; meanwhile, for a person skilled in the art, according to the idea of the present application, there may be variations in the specific embodiments and the application scope, and in summary, the content of the present specification should not be construed as a limitation to the present application.

Claims

1. A method for flexibly configuring fund proportion is applied to a bank server, the bank server is in communication connection with a loan platform server and a small loan company server, the platform server is in communication connection with a mobile terminal through a loan client, and the method comprises the following steps:

2. The method of claim 1, wherein the detecting, during the preconfigured order quantity monitoring period, that a loan order for the targeted loan item has been received for the current funding cycle comprises:

obtaining a plurality of loan orders;

screening a first amount of loan orders for a target loan item from the plurality of loan orders;

and screening the loan orders associated with the approval processing period from the first amount of loan orders.

3. The method of claim 1, wherein the detecting, during the preconfigured order quantity monitoring period, that a loan order for the targeted loan item has been received for the current funding cycle comprises:

obtaining a plurality of loan orders;

screening out a first quantity of loan orders from said plurality of loan orders associated with said approval process period;

and screening out the loan order aiming at the target loan term from the first amount of loan orders.

4. The method of claim 2 or 3, wherein said obtaining a plurality of loan orders comprises:

receiving a plurality of loan requests from the loan platform server, the loan requests being entered by a user through the mobile terminal;

extracting user information and loan information in each loan request in the plurality of loan requests, and verifying the authenticity of the user information;

if the user information is verified to be real, inquiring a first preset corresponding relation by taking the user information and the loan information as inquiry identifications, acquiring a first label corresponding to the user information, inquiring a second preset corresponding relation, and acquiring a second label corresponding to the loan information, wherein the first preset corresponding relation is the corresponding relation between a user information combination and a label, and the second preset corresponding relation is the corresponding relation between the loan information and the label;

inquiring a preset matching relationship, and if the first tag and the second tag are pairable tags in the preset matching relationship, determining that the loan request passes the audit, wherein the preset matching relationship is a matching relationship established based on a fund compensation ability value in the user information and a loan fund amount value in the loan information;

and generating a loan order according to the loan request which passes the examination.

5. The method according to any of claims 1-4, wherein said adjusting the funding ratio of said pending second loan order based on said received loan order comprises:

acquiring the fund proportion condition of each loan order in the first loan orders;

determining the amount of money used by the small loan company in the fund allocation period according to the quantity of the first loan order and the fund proportion of each loan order; and obtaining a pre-configured fund proportion, and determining the fund proportion of the second loan order in the examination and approval processing period associated with the order quantity monitoring period according to the target loan item, the second loan order, the pre-configured fund proportion, the used amount and an amount threshold value of the examination and approval processing period associated with the order quantity monitoring period, wherein the pre-configured fund proportion is associated with the target loan item, and the amount threshold value is the maximum value of the used amount of the lender company in the fund configuration period after the examination and approval operation of the second loan order to be examined and approved is completed in the examination and approval period associated with the order quantity monitoring period.

6. The method of claim 5, wherein the determining the proportion of funds in the second loan order for the approval processing cycle associated with the order quantity monitoring period based on the targeted loan item, the second loan order, the preconfigured proportion of funds, the used amount, and an amount threshold for the approval processing cycle associated with the order quantity monitoring period comprises:

according to the target loan item, the preconfigured fund proportion and the quantity of the second loan order to be examined and approved, determining the pre-released fund of an examination and approval period associated with an order quantity monitoring period, wherein the pre-released fund is the fund which needs to be paid by the small loan company according to the preconfigured fund proportion and is configured by the small loan company in the examination and approval processing period associated with the monitoring period;

and comparing the pre-released amount with available funds, and determining the fund proportion of the second loan order to be examined and approved according to the comparison result, wherein the available funds are the difference between the amount threshold of the examination and approval processing period associated with the order quantity monitoring period and the used amount.

7. The method of claim 6, wherein said determining the fund share of the pending second loan order based on the comparison comprises:

if the pre-set money amount is smaller than the available fund, the fund proportion of the second loan order to be examined and approved is the pre-set fund proportion;

and if the preset money amount is larger than the current available fund, updating the preconfigured fund proportion according to an average fund value and the fund value of the target loan item, and determining the fund proportion of the second loan order to be examined and approved according to the preconfigured fund proportion, wherein the average fund value is the fund value averagely distributed to each order in the second loan order to be examined and approved by the available fund.

8. A bank server, comprising:

the system comprises an acquisition unit, a processing unit and a processing unit, wherein the acquisition unit is used for acquiring a loan order which is received in a current fund configuration period and aims at a target loan item;

the verification unit is used for verifying the user information in the loan order;

the determining unit is used for determining the fund proportion of the bank and the small loan company in the fund allocation period of the loan order;

and the examination and approval unit is used for carrying out examination and approval operation on the loan order after determining the fund proportion of the loan order.

9. A bank server comprising an application processor, a memory, a communication interface, and one or more programs stored in the memory and configured to be executed by the application processor, the programs comprising instructions for performing the steps in the method of any one of claims 1-7.

10. A computer-readable storage medium, characterized in that a computer program for electronic data exchange is stored, wherein the computer program causes a computer to perform the method according to any one of claims 1-7.