CN113313573A

CN113313573A - Configuration-based credit granting business processing method and device

Info

Publication number: CN113313573A
Application number: CN202110624877.8A
Authority: CN
Inventors: 朱鹏飞
Original assignee: China Construction Bank Corp
Current assignee: China Construction Bank Corp
Priority date: 2021-06-04
Filing date: 2021-06-04
Publication date: 2021-08-27

Abstract

The invention discloses a method and a device for processing credit granting business based on configuration, which relate to the technical field of big data, wherein the method comprises the following steps: when receiving a credit service, acquiring an identifier of a credit product corresponding to the credit service; determining the credit system type of the credit product according to the identification of the credit product; determining an amount product tree corresponding to the credit product according to the amount system type of the credit product and the relationship between the preset amount system type and the amount product tree; determining configuration information corresponding to the credit product according to the credit product tree corresponding to the credit product; and performing credit granting processing according to the configuration information corresponding to the credit granting product. The invention can realize efficient and accurate credit granting processing based on configuration.

Description

Configuration-based credit granting business processing method and device

Technical Field

The invention relates to the technical field of big data, in particular to a configuration-based credit granting business processing method and device.

Background

This section is intended to provide a background or context to the embodiments of the invention that are recited in the claims. The description herein is not admitted to be prior art by inclusion in this section.

The credit granting refers to the general name of the credit business of the construction bank for the client to transact loan, guarantee, acceptance, issuing credit card, trade financing and credit card overdraft, etc. At present, the diversity and complexity of the credit granting business are not considered in the credit granting business processing, so the efficiency and the precision of the credit granting processing are low.

Disclosure of Invention

The embodiment of the invention provides a configuration-based credit granting business processing method, which is used for efficiently and accurately granting credit and comprises the following steps:

when receiving a credit service, acquiring an identifier of a credit product corresponding to the credit service;

determining the credit system type of the credit product according to the identification of the credit product;

determining an amount product tree corresponding to the credit product according to the amount system type of the credit product and the relationship between the preset amount system type and the amount product tree;

determining configuration information corresponding to the credit product according to the credit product tree corresponding to the credit product;

and performing credit granting processing according to the configuration information corresponding to the credit granting product.

In one embodiment, the configuration-based trust service processing method further includes: the relationship between the credit system type and the credit product tree is configured in advance according to the following method:

configuring a total amount information table, a subentry information table and a mapping relation table of products and subentry according to pre-divided credit service types;

and generating a limit product tree corresponding to each limit system type according to the total limit information table, the subentry limit information table and the mapping relation table of the product and the subentry limit, and obtaining the relation between the limit system type and the limit product tree.

In one embodiment, the configuration-based trust service processing method further includes: and configuring the mapping relation between the total amount information table and the itemized amount information table.

In one embodiment, the credit product tree includes: the type of the quota, the type of the credit object and the type of the quota system.

In one embodiment, the credit system type includes: foreign enterprise customer lines, domestic financial institution lines and foreign financial institution lines.

In one embodiment, the credit types include: the comprehensive credit line, bank control type line, credit line and country line.

In one embodiment, determining the credit system type of the credit product according to the identification of the credit product comprises: and determining a plurality of line system types to which the credit product belongs according to the identification of the credit product.

In one embodiment, the configuration information is in a database as a parameter table.

The embodiment of the invention also provides a configuration-based credit granting business processing device, which is used for efficiently and accurately performing credit granting processing and comprises the following components:

the acquisition unit is used for acquiring the identification of the credit service corresponding to the credit product when the credit service is received;

the system determining unit is used for determining the line system type of the credit product according to the identification of the credit product;

the product tree determining unit is used for determining an amount product tree corresponding to the credit product according to the amount system type of the credit product and the relationship between the preset amount system type and the amount product tree;

the configuration information determining unit is used for determining the configuration information corresponding to the credit product according to the credit product tree corresponding to the credit product;

and the processing unit is used for performing credit granting processing according to the configuration information corresponding to the credit granting product.

In one embodiment, the configuration-based trust service processing apparatus further includes: the configuration unit is used for configuring the relationship between the quota system type and the quota product tree in advance according to the following method:

In one embodiment, the configuration unit is further configured to: and configuring the mapping relation between the total amount information table and the itemized amount information table.

In one embodiment, the system determination unit is specifically configured to: and determining a plurality of line system types to which the credit product belongs according to the identification of the credit product.

The embodiment of the invention also provides computer equipment which comprises a memory, a processor and a computer program which is stored on the memory and can run on the processor, wherein the processor realizes the configuration-based credit granting business processing method when executing the computer program.

The embodiment of the invention also provides a computer readable storage medium, which stores a computer program for executing the configuration-based credit granting service processing method.

In the embodiment of the invention, based on a configured credit granting business processing scheme, the method comprises the following steps: when receiving a credit service, acquiring an identifier of a credit product corresponding to the credit service; determining the credit system type of the credit product according to the identification of the credit product; determining an amount product tree corresponding to the credit product according to the amount system type of the credit product and the relationship between the preset amount system type and the amount product tree; determining configuration information corresponding to the credit product according to the credit product tree corresponding to the credit product; and the credit granting processing is carried out according to the configuration information corresponding to the credit granting product, so that the credit granting processing based on configuration is efficiently and accurately carried out.

Drawings

In order to more clearly illustrate the embodiments of the present invention 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 invention, and for those skilled in the art, other drawings can be obtained according to the drawings without creative efforts. In the drawings:

fig. 1 is a schematic flow chart of a configuration-based trust service processing method according to an embodiment of the present invention;

FIG. 2 is a diagram illustrating a credit product tree according to an embodiment of the present invention;

FIG. 3 is a diagram illustrating a relationship between a pre-configured quota system type and a quota product tree in accordance with an embodiment of the present invention;

FIG. 4 is a diagram illustrating a relationship between a pre-configured quota system type and a quota product tree according to another embodiment of the present invention;

fig. 5 is a schematic structural diagram of a configuration-based trust service processing apparatus in an embodiment of the present invention;

fig. 6 is a schematic structural diagram of a computer device in an embodiment of the present invention.

Detailed Description

In order to make the objects, technical solutions and advantages of the embodiments of the present invention more apparent, the embodiments of the present invention are further described in detail below with reference to the accompanying drawings. The exemplary embodiments and descriptions of the present invention are provided to explain the present invention, but not to limit the present invention.

Before describing embodiments of the present invention, terms related to the embodiments of the present invention will be described.

1. The credit management system comprises: the credit line management system meets the supervision requirement of a bank prison on the basis of the new Basel capital agreement requirement, and establishes an asset quality monitoring and control system including various assets. Through the construction of the unified credit line management system, the unified credit management can be improved, the risk assessment of credit clients can be enhanced, the approval process of credit approval can be standardized, the concentration risk management can be improved, the national risk management can be enhanced, the accuracy of loan classification can be improved, the classification of non-credit assets can be developed, the slow-release effectiveness of risks can be improved, and the unified credit management can be realized for non-credit, off-table credit and other credit services together with on-table services.

2. Configuration: a configurable architecture refers to a method of building software in a configurable manner. On the basis of field modeling, the method expresses services by configuration, organizes architectural elements (services, components and data) by configuration, and carries out standardized and automatic management on the configuration; wherein: services refer to programs, routines or processes that perform specified system functions in order to support other programs, particularly lower level (near hardware) programs; the Component (Component) is a simple encapsulation of data and methods. In C + + Builder, a component is a specific object derived from TComponent. The components may have their own properties and methods. An attribute is a simple visitor to component data. The method is some simple and visible function of the component. The use of components can enable drag-and-drop programming, fast property processing, and true object-oriented design; data is a generic term for media of all symbols that can be input to a computer and processed by a computer program, and is a generic term for numbers, letters, symbols, analog quantities, and the like that have a certain meaning and are input to an electronic computer for processing. The objects stored and processed by computers are now quite extensive, and the data representing these objects has become increasingly complex. Data is the presentation and carrier of information, and can be symbols, characters and numbers.

3. And (3) credit granting: it is a general term for the credit business of the construction bank, such as the handling of loan, guarantee, acceptance, issuing of credit card, trade financing and credit card overdraft, etc. for the client. Wherein:

loans are a form of credit activity in which a bank or other financial institution borrows monetary funds at a rate and must return. The term "loan" in the broad sense means a general term of loan funds such as loan, withdrawal, overdraft, and the like. The bank puts in the centralized currency and the currency fund in a loan mode, can meet the requirement of social expansion reproduction on supplementary fund, promotes the development of economy, and meanwhile, the bank can obtain loan interest income and increase the accumulation of the bank.

The guarantee refers to a legal system for realizing the right of the creditor for prompting the debtor to fulfill the debt according to the legal provision or the agreement of both parties. A guarantee is typically made by both parties under a guarantee contract. The guaranty campaign should follow the principles of equal, voluntary, fair, honest credit.

Acceptance is the record that the drafter requires the payor to make an due payment on the draft before the draft expires. The specific system of the money order. The payer typically signs the draft positively. The invoicer and the payer are in a entrusting relationship, and the invoicer must pay if the invoicer does not equal the invoicer. The acquirer must prompt the payer for acceptance in order to make the draft due. Only after the payer has signed the acceptance, he is legally responsible for the payment of the draft.

The letter of credit refers to a kind of written certificate issued by the bank to the importer (buyer) to guarantee the obligation of paying the money. In the letter of credit, the bank authorizes the exporter to draft a draft that the amount of money must not exceed the prescribed amount with the bank or its designated bank as the payer under the condition that the letter of credit is met, and to collect the goods at the designated place according to the date with the shipment document according to the regulations.

Trade financing refers to the financing of assets such as inventory, advance payment, accounts receivable, etc. in commodity transactions (such as crude oil, metal, grain, etc.) by banks using a structured short-term financing tool. The borrower in trade financing has no other production and operation activities except that the commodity sales income can be used as a repayment source, has no real assets on the balance sheet, and has no independent repayment capacity. The trade financing manager provides trade financing without recourse right, the procedure is convenient, simple and easy, and the problems of export credit sale and short-term fund occupation are basically solved.

Credit card overdraft is a short term overdraft given by a credit card issuer to a cardholder within a specified limit when a purchase is consumed with a card. For credit cards, allowing "pay-before-use" allows overdraft to be an important feature. For debit cards, the credit card should be "deposited before consumed", but the cardholder is also allowed to overdraw the appropriate amount in a shorter time period when the need for payment is imminent, provided that it is determined by the audit that it is a good luck and a guarantee is made for the payment. The overdraft interest is generally much higher than the loan of the contemporary bank, and the card issuing organization also has a whole set of measures to prevent and pursue the overdraft risk loss.

The credit limit is as follows: the construction bank determines a control limit for using various credits for the client, namely, the client is given a highest limit of all foreign currency credits formed inside and outside a usage table according to the credit qualification condition, risk limit, credit requirement, possibility of bank funding and control of risks; wherein: the credit worthiness condition refers to the capacity and the credibility degree of various economic subjects (including various enterprises, financial institutions, social organizations and individuals) related to the credit activities and financial instruments (including bonds, stocks, funds, contracts and the like) of automatically fulfilling the related economic commitments; the risk limit refers to a limit set for market risk measured according to a certain measuring method. Wherein: bond/debt is a financial contract issued to investors when governments, financial institutions, industrial and commercial enterprises and the like directly borrow funds from social debts, and promises to pay interest at a certain interest rate and pay back principal under agreed conditions. The nature of a bond is a certificate of the bond, with legal force. A creditor and debtor relationship is between a bond purchaser or an investor and an issuer, wherein a bond issuer is a debtor, and an investor (a bond purchaser) is a creditor; stock (stock) is a part of the ownership of the stock company and is also an issued ownership certificate, which is a valuable security issued by the stock company to each shareholder for raising funds to serve as a stock holding certificate and by which stock interest and dividends are obtained; fund, english is fund, which refers broadly to a certain amount of funds set up for some purpose. Mainly comprises trust investment funds, accumulation funds, insurance funds, retirement funds and funds of various fund meetings. From an accounting perspective, fund is a narrow concept meaning funds with a specific purpose and use. The fund referred to herein is primarily a security investment fund.

4. Credit risk conversion factor: because of the difference of the risk degree of the credit product and the difference of the risk born by the credit business construction bank, when the credit line is occupied or recovered, the credit line occupation amount is calculated by using the line conversion coefficient.

To better describe the embodiments of the present invention, the following describes the technical problem that the inventor finds the existing credit granting process and the idea of proposing the embodiments of the present invention.

The technical field related to the embodiment of the invention is a credit granting management system (credit granting processing scheme) in the field of financial science and technology, which is an internal management system of each bank and is generally developed based on a J2EE platform.

Because the system evolves for years, the code implementation is often coupled, the iteration on the code is easy to cause problems, and the corresponding rollback processing is relatively complex. The large system formed by static codes consumes a lot of time in compiling and heavy testing. The system is continuously restarted and upgraded, the external service provision is also influenced, and the development, operation and maintenance cost is increased. To enable complex systems to still quickly cope with changes, the inventors have carried out a series of servings and configurations practices.

Compared with code development, the development mode of the configuration architecture can realize the adjustment of the elements in the software system without changing the software functions, no matter at the service level, at the component internal level or even at the internal parameters. The configuration architecture has the advantage of realizing rapid adjustment of the software system at a low change cost.

However, the configured check is often an interpreter or an additional schema tool that relies on standard data formats (xml, json, yaml), or lacks a stricter semantic check guarantee compared to programming languages; and at present, the editing of the configuration is often lack of service level tests, and bugs can be introduced. Therefore, when the configuration architecture is realized, the inventor needs to do much work on verification, automatic testing and infrastructure; and sometimes domain specific languages are required to implement the configuration framework, which introduces additional development, learning, and maintenance costs.

In addition, taking a credit granting management system (credit granting processing scheme) of a certain bank as an example, with the increase of loan services of rural credit unions, rating credit granting becomes a main task, the complexity is increased, manual management is prone to errors, and better service cannot be provided for rating credit granting, so that a rating credit granting management system is urgently developed and realized, an automatic, informationized and shared rating credit granting management system is constructed, and standardization and scientization of the rural credit society rating credit granting is realized. A credit social evaluation credit granting management system with complete functions is provided in the way that the related research background of the evaluation credit granting system is analyzed, the current research situation and the existing problems at home and abroad are summarized. The method adopts a B/S architecture mode, a JSP technology, a Java Bean technology, a Tomcat server technology and a database technology, and better analyzes the advantages of the application of the related technology in the rural credit social evaluation credit granting management system. The method is characterized in that the method is integrally designed from three aspects of a network topology architecture, a software and hardware server deployment architecture, a system function architecture and the like, a structural flow is used for modeling the system function, a system algorithm is described, and an E-R diagram and a relation table are used for designing a system database. A rating credit granting management system with complete functions is developed by using Java language in an Eclipse environment, software deployment tests are implemented from the aspects of functions and performance, and test results show that the system has good availability, reliability, safety and stability. However, the system (credit processing scheme) mainly solves the problem of online credit management, realizes the process of the credit management system from scratch, does not consider the diversity and complexity of credit management dimensionality, and cannot be quickly expanded to a new quota control dimensionality, namely, cannot realize efficient and accurate credit processing.

The inventor considers that: because the system evolves for years, the code implementation is often coupled, the iteration on the code is easy to cause problems, and the corresponding rollback processing is relatively complex. The large system formed by static codes consumes a lot of time in compiling and heavy testing. The system is continuously restarted and upgraded, the external service provision is also influenced, and the development, operation and maintenance cost is increased.

In view of the above technical problems, a configuration-based trust service processing scheme is proposed, in which, with respect to code development, no matter at the service level or at the component internal level, or even at the internal parameters, the development mode of a configuration framework can realize the adjustment of these elements in a software system without changing the software functions. The configuration framework has the advantage that the software system can be quickly adjusted under the condition of low change cost, namely, the credit granting processing can be efficiently and accurately carried out. The following describes the configuration-based trust service processing scheme in detail.

Fig. 1 is a schematic flow chart of a configuration-based trust service processing method in an embodiment of the present invention, and as shown in fig. 1, the method includes the following steps:

step 101: when receiving a credit service, acquiring an identifier of a credit product corresponding to the credit service;

step 102: determining the credit system type of the credit product according to the identification of the credit product;

step 103: determining an amount product tree corresponding to the credit product according to the amount system type of the credit product and the relationship between the preset amount system type and the amount product tree;

step 104: determining configuration information corresponding to the credit product according to the credit product tree corresponding to the credit product;

step 105: and performing credit granting processing according to the configuration information corresponding to the credit granting product.

The configuration-based credit granting business processing method provided by the embodiment of the invention realizes efficient and accurate credit granting processing based on configuration. The individual steps involved in the method are described in detail below.

First, some steps prepared in advance are introduced, such as the product tree is constructed in advance, and the relationship between the preset credit system type and the credit product tree is configured in advance.

In specific implementation, FIG. 2 is a diagram illustrating a credit product tree according to an embodiment of the present invention.

In one embodiment, as shown in FIG. 2, the credit product tree may include: the type of the quota, the type of the credit object and the type of the quota system.

In one embodiment, as shown in FIG. 2, the credit system type may include: foreign enterprise customer lines, domestic financial institution lines and foreign financial institution lines.

In one embodiment, as shown in FIG. 2, the credit types may include: the comprehensive credit line, bank control type line, credit line and country line.

In an embodiment, as shown in fig. 3, the configuration-based trust service processing method may further include: the relationship between the credit system type and the credit product tree is configured in advance according to the following method:

step 201: configuring a total amount information table, a subentry information table and a mapping relation table of products and subentry according to pre-divided credit service types;

step 203: and generating a limit product tree corresponding to each limit system type according to the total limit information table, the subentry limit information table and the mapping relation table of the product and the subentry limit, and obtaining the relation between the limit system type and the limit product tree.

And during concrete implementation, reasonable abstraction and division are carried out on the field service. In order to perform configuration management, the service code needs to be abstracted and divided into service domains, and a technology for object-oriented and domain-driven development, namely, the credit service type is divided in advance, is required.

In particular, the basis on which a configurable architecture can be quickly adjusted is a complete automation infrastructure. The traditional periodic release can not meet the requirement of continuous and rapid adjustment, and the continuous release of the configuration is realized by the development of configuration by means of a DevOps methodology. The configuration of the credit granting management component (processing method) mainly stores the configuration information through a configuration table in the database (namely, the subsequent credit granting processing is carried out according to the configuration information), and the application is loaded into the memory when being started, so that the access efficiency is ensured. The main table structure of the credit processing comprises total amount information, subentry amount information and a product relation table. The fields relating to configurability are shown in the following table 1 (total amount information table), table 2 (itemized amount information table) and table 3 (product relationship table).

Data sheet Chinese name	English name of field	Name of Chinese character
			Information of total amount	Lmt_TpCd	Quota type code
Information of total amount	Lmt_CrG_Obj_TpCd	Amount credit object type code
			Information of total amount	CrGLn_Crt_TpCd	Credit limit creation type code
Information of total amount	Ntl_Lmt_CtyRgon_Cd	National region code of national limit
			Information of total amount	Trm_UnCd	Deadline unit code
Information of total amount	CcyCd	Currency code
			Information of total amount	TLmt_StCd	Total limit state code
Information of total amount	Corp_Lmt_Stm_TpCd	To public line system type code

TABLE 1

Data sheet Chinese name	English name of field	Name of Chinese character
			Itemized limit information	Prn_CrG_Vrty_Cd	Father awarding variety code
Itemized limit information	Corp_SItmLmt_CtCd	To the category code of the public branch term
			Itemized limit information	CcyCd	Currency code
Itemized limit information	CrG_SItmLmt_Spcl_TpCd	Special type code for credit sub-limit
			Itemized limit information	Trm_UnCd	Deadline unit code
Itemized limit information	SItmLmt_StCd	Subentry state code

TABLE 2

Data sheet Chinese name	English name of field	Name of Chinese character
			Product relation table	Product_Cd	Product code
Product relation table	Parent_Product_Cd	Parent product code
			Product relation table	Product_Name	Product name
Product relation table	Product_Level	Product grade
			Product relation table	Dspl_Ind	Display sign
Product relation table	ClCd	System type code

TABLE 3

Data sheet Chinese name	English name of field	Name of Chinese character
			Product and subentry line mapping relation	Product_Cd	Product code
Product and subentry line mapping relation	Corp_SltmLmt_CtCd	To the category code of the public branch term
			Product and subentry line mapping relation	Lmt_TpCd	Quota type code
Product and subentry line mapping relation	Corp_Lmt_Stm_TpCd	To public line system type code
			Product and subentry line mapping relation	Vld_Ind	Valid sign

TABLE 4

In an embodiment, as shown in fig. 4, the method for processing a credit service based on configuration may further include step 202: and configuring the mapping relation between the total amount information table and the itemized amount information table.

In the specific implementation, when a new quota system is added, if the product system is a tree structure and the credit varieties (total quota information) and quota items (itemized quota information) are in one-to-one correspondence, a new quota product tree and product-itemized mapping relationship configuration information (the product and itemized quota mapping relationship table is shown in the table 4) are added in the configuration table, so that a set of applicable quota system quota control function can be quickly established.

Next, the above step 101 is described.

In specific implementation, the credit granting service may include: export credit refinancing business, small business boat purchase mortgage loan business, commercial property mortgage loan business, legal automobile loan business, and the like. The identity of the trusted product may be a product name, etc.

Third, next, for convenience of understanding, the above steps 102 to 104 are introduced together.

In one embodiment, determining the credit system type of the credit product according to the identifier of the credit product may include: and determining a plurality of line system types to which the credit product belongs according to the identification of the credit product.

In specific implementation, one credit product can belong to a plurality of quota systems.

In one embodiment, the configuration information may be in a database as a parameter table.

In specific implementation, the credit product tree corresponding to the credit product is determined by the preliminary steps introduced by the 'one' and the preset relationship between the credit system type and the credit product tree. According to the credit product corresponding to the credit product, the configuration information corresponding to the credit product is determined, and the configuration information can be as shown in the following table 5.

When the method is implemented specifically, and the specific limit is controlled, different limit systems adopt different product trees, are distinguished through CLCD fields, and use the configuration information as a parameter table in a database. The product tree configuration is shown in table 5 below, for example.

PRODUCT_CD	PARENT_PRODUCT_CD	PRODUCT_NAME	PRODUCT_LEVEL	DSPL_IND	CLCD
						51000000		Financing and credit support line	-1	1	01
51010000	51000000	Special amount	0	1	01
						51010100	51010000	Special limit of domestic financial institution	1	1	01
51010103	51010100	International service department, a special quota of domestic financial institution	2	1	01
						20001003	51010103	House property (self-service) mortgage loan (overseas)	3	1	01

TABLE 5

The following can be realized through the above configuration: supporting a plurality of systems, wherein one system (one limit system type) comprises one limit product tree and one system comprises one set of control rules (configuration information); one product can belong to a plurality of systems; in the subsequent implementation, when the business event is processed (when the credit service is received), the processing system (determining the credit system type of the credit product) is judged firstly, and multiple systems can be simultaneously controlled.

Fourth, next, the above step 105 is described.

In specific implementation, the configuration information corresponding to the credit granting product, namely the loading configuration information, is utilized to perform credit granting processing, and accurate multi-dimensional rating of the applicant performing the credit business can be determined according to the configuration information, so that the accuracy of credit granting business processing is improved.

To facilitate an understanding of how the present invention may be implemented, an example of a specific scenario is described below.

Taking the example that a client develops foreign exchange drop-out services in hong Kong branches, for convenience of understanding, the verification process is simplified, and if the risk exposure of the service is 4000 ten thousand, the client has two limit types in the credit granting management system: the credit line and the bank control line, the available amount of the fund transaction subentry in the credit line is 5000 ten thousand, and the available amount of the foreign exchange transaction subentry in the bank control line is 3000 ten thousand. When the business checks the amount, the credit amount is checked firstly, the foreign exchange fall-off is mapped to the fund transaction item of the credit amount according to the mapping relation (table 4) of the product and the item amount, the available amount of the risk exposure and the fund transaction item amount is compared, and the check conclusion is passed. At the moment, the bank control limit needs to be continuously checked, the foreign exchange lost period is mapped to the foreign exchange transaction items according to the mapping relation between the product and the transaction limit, the available amount of the risk opening and the foreign exchange transaction item limit is compared, and the check conclusion is that the money does not pass. According to the principle that the check conclusion is strict, the check conclusion of the service is failed, and the service cannot be submitted continuously.

In summary, the configuration-based credit granting service processing method provided by the embodiment of the present invention has the following advantages:

1. the expandability of the system is improved, for example, when an amount management and control dimension appears newly, the scheme can support the quick establishment of a set of complete amount management and control functions.

2. The rapid development iteration of the service function is supported, the development efficiency is higher due to the configured design, the development change range is small, and the rapid online of the credit granting service function can be supported by matching with the automatic regression test.

The embodiment of the invention also provides a configuration-based credit granting business processing device, which is described in the following embodiments. Because the principle of the device for solving the problems is similar to the configuration-based credit granting service processing method, the implementation of the device can refer to the implementation of the configuration-based credit granting service processing method, and repeated details are omitted.

Fig. 5 is a schematic structural diagram of a configuration-based trust service processing apparatus in an embodiment of the present invention, and as shown in fig. 5, the apparatus includes:

the obtaining unit 01 is used for obtaining an identifier of a credit product corresponding to the credit service when the credit service is received;

the system determining unit 02 is used for determining the line system type of the credit product according to the identification of the credit product;

the product tree determining unit 03 is used for determining an amount product tree corresponding to the credit product according to the amount system type of the credit product and the relationship between the preset amount system type and the amount product tree;

the configuration information determining unit 04 is used for determining the configuration information corresponding to the credit product according to the credit product tree corresponding to the credit product;

and the processing unit 05 is used for performing credit granting processing according to the configuration information corresponding to the credit granting product.

In the embodiment of the invention, the configured credit granting business processing device comprises the following components: when receiving the credit service, the obtaining unit 01 obtains an identifier of a credit product corresponding to the credit service; the system determining unit 02 determines the line system type of the credit product according to the identification of the credit product; the product tree determining unit 03 determines an amount product tree corresponding to the credit product according to the amount system type of the credit product and the relationship between the preset amount system type and the amount product tree; the configuration information determining unit 04 determines configuration information corresponding to the credit product according to the credit product tree corresponding to the credit product; the processing unit 05 carries out credit granting processing according to the configuration information corresponding to the credit granting product, and efficient and accurate credit granting processing based on configuration is achieved.

In an embodiment, the configuration-based trust service processing apparatus may further include: the configuration unit is used for configuring the relationship between the quota system type and the quota product tree in advance according to the following method:

In one embodiment, the configuration unit may be further configured to: and configuring the mapping relation between the total amount information table and the itemized amount information table.

In one embodiment, the credit product tree may include: the type of the quota, the type of the credit object and the type of the quota system.

In one embodiment, the credit system type may include: foreign enterprise customer lines, domestic financial institution lines and foreign financial institution lines.

In one embodiment, the credit type may include: the comprehensive credit line, bank control type line, credit line and country line.

In one embodiment, the system determination unit may be specifically configured to: and determining a plurality of line system types to which the credit product belongs according to the identification of the credit product.

In summary, the configuration-based credit granting service processing apparatus provided by the embodiment of the present invention has the following advantages:

An embodiment of the present invention further provides a computer device, as shown in fig. 6, which includes a memory 302, a processor 304, and a computer program stored in the memory and executable on the processor, where the processor implements any configuration-based trust service processing method when executing the computer program.

In particular, the computer device may be a computer terminal, a server or a similar computing device.

The embodiment of the invention also provides a computer readable storage medium, which stores a computer program for executing any configuration-based credit granting service processing method.

In particular, computer-readable storage media, including both non-transitory and non-transitory, removable and non-removable media, may implement information storage by any method or technology. The information may be computer readable instructions, data structures, modules of a program, or other data. Examples of computer-readable storage media include, but are not limited to, phase change memory (PRAM), Static Random Access Memory (SRAM), Dynamic Random Access Memory (DRAM), other types of Random Access Memory (RAM), Read Only Memory (ROM), Electrically Erasable Programmable Read Only Memory (EEPROM), flash memory or other memory technology, compact disc read only memory (CD-ROM), Digital Versatile Discs (DVD) or other optical storage, magnetic cassettes, magnetic tape magnetic disk storage or other magnetic storage devices, or any other non-transmission medium that can be used to store information that can be accessed by a computing device. As defined herein, a computer readable storage medium does not include a transitory computer readable medium such as a modulated data signal and a carrier wave.

As will be appreciated by one skilled in the art, embodiments of the present invention may be provided as a method, system, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.

The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

The above-mentioned embodiments are intended to illustrate the objects, technical solutions and advantages of the present invention in further detail, and it should be understood that the above-mentioned embodiments are only exemplary embodiments of the present invention, and are not intended to limit the scope of the present invention, and any modifications, equivalent substitutions, improvements and the like made within the spirit and principle of the present invention should be included in the scope of the present invention.

Claims

1. A credit service processing method based on configuration is characterized by comprising the following steps:

2. The method for processing credit granting service based on configuration of claim 1, further comprising: the relationship between the credit system type and the credit product tree is configured in advance according to the following method:

3. The method for processing credit granting service based on configuration as claimed in claim 2, further comprising: and configuring the mapping relation between the total amount information table and the itemized amount information table.

4. The method as claimed in claim 1, wherein the credit tree includes: the type of the quota, the type of the credit object and the type of the quota system.

5. The method as claimed in claim 4, wherein the credit system type includes: foreign enterprise customer lines, domestic financial institution lines and foreign financial institution lines.

6. The method as claimed in claim 4, wherein the credit line type includes: the comprehensive credit line, bank control type line, credit line and country line.

7. The method as claimed in claim 1, wherein determining the credit system type of the credit product according to the identity of the credit product comprises: and determining a plurality of line system types to which the credit product belongs according to the identification of the credit product.

8. The method as claimed in claim 1, wherein the configuration information is in a database as a parameter table.

9. A credit service processing device based on configuration is characterized by comprising:

10. The trust service processing apparatus based on configuration of claim 9, further comprising: the configuration unit is used for configuring the relationship between the quota system type and the quota product tree in advance according to the following method:

11. The trust service processing apparatus based on configuration as claimed in claim 10, wherein the configuration unit is further configured to: and configuring the mapping relation between the total amount information table and the itemized amount information table.

12. The configuration-based credit granting business processing apparatus of claim 9 wherein the credit product tree comprises: the type of the quota, the type of the credit object and the type of the quota system.

13. The credit service processing device based on configuration as claimed in claim 12, wherein the credit system type includes: foreign enterprise customer lines, domestic financial institution lines and foreign financial institution lines.

14. The device for processing credit service based on configuration as claimed in claim 12, wherein the credit line type includes: the comprehensive credit line, bank control type line, credit line and country line.

15. The configuration-based credit granting business processing apparatus of claim 9, wherein the system determining unit is specifically configured to: and determining a plurality of line system types to which the credit product belongs according to the identification of the credit product.

16. The trusted service processing device based on configuration as claimed in claim 9, wherein said configuration information is in a database as a parameter table.

17. A computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor implements the method of any one of claims 1 to 8 when executing the computer program.

18. A computer-readable storage medium, characterized in that the computer-readable storage medium stores a computer program for executing the method of any one of claims 1 to 8.