CN109636589A - A kind of big data cross validation restoring function system - Google Patents
A kind of big data cross validation restoring function system Download PDFInfo
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- CN109636589A CN109636589A CN201811563255.3A CN201811563255A CN109636589A CN 109636589 A CN109636589 A CN 109636589A CN 201811563255 A CN201811563255 A CN 201811563255A CN 109636589 A CN109636589 A CN 109636589A
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- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
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Abstract
The present invention discloses a kind of big data cross validation restoring function system, including user's division module, loaning bill data obtaining module, finance income module, financial expenditures module, transaction certificate auditing module, refund statistical module, management server and display terminal；Loaning bill data obtaining module is connect with user's division module and refund statistical module respectively, transaction certificate auditing module is connect with finance income module and financial expenditures module respectively, and management server is connect with loaning bill data obtaining module, finance income module, financial expenditures module, transaction certificate auditing module, refund statistical module and display terminal respectively.The present invention is calculated lending agency by real revenue, expenditure, refund credit loss factor and the borrowing balance comprehensive statistics analysis to borrower or borrowing enterprise and made loans comprehensive danger coefficient, it can effectively judge and restore the loan repayment capacity and economic situation of borrower or borrowing enterprise, reduce the inaccuracy and loan risk degree of lending agency audit.
Description
Technical field
The invention belongs to big data processing technology fields, are related to a kind of big data cross validation restoring function system.
Background technique
The philosophy viewpoint of cross validation is " connectionism ", and connection has generality, objectivity, diversity, changeability.Small micro- loan
Investigation is related to many internal and external factors, and these factors follow and contact these characteristics, and universal, objective connection is present in these rows
For in presentation.It is exactly the information association that will be isolated by credit cross validation, analyzes a things from different angles, reach logical
Cross the purpose that phenomenon sees essence.
Existing small micro- loan client is generally difficult to provide complete rule since to pay formality unsound for enterprise operation scale and tax
The account book data and financial statement of model show as asset management is chaotic, income and expense are indefinite, profit is false etc..
In small micro- loan transaction, the case where there are information asymmetries between borrower and lending agency, i.e. borrower couple
Credit level, debt paying ability, management performance and the financial situation of oneself are well understood by, and lending agency shortage is true to borrower
Management level and financial situation understanding, in order to be provided a loan, individual and private business owner or small micro- corporate boss understand active concealment with
Relevant, the important real information of loan repayment capacity, including lie about use of the loan, forge transaction certificate, debt etc. of withholding the truth.For
Effective prevention risk due to caused by the information asymmetry between client and loan investigator introduces in small micro- loan transaction
The method of cross validation analysis.
Summary of the invention
The purpose of the present invention is to provide big data cross validation restoring function system, by borrower or borrow money look forward to
The real revenue of industry, expenditure, repayment amount and time etc. of refunding carry out comprehensive analysis, determine borrower or borrowing enterprise
Economic situation and loan repayment capacity, reduce loan enterprises audit accuracy is low and loan risk, solve the above existing issue.
The purpose of the present invention can be achieved through the following technical solutions:
A kind of big data cross validation restoring function system, including user's division module, loaning bill data obtaining module, finance
Take in module, financial expenditures module, transaction certificate auditing module, refund statistical module, management server and display terminal；
User's division module is connect with loaning bill data obtaining module, and loaning bill data obtaining module and refund statistical module connect
Connect, transaction certificate auditing module is connect with finance income module and financial expenditures module respectively, management server respectively with loaning bill
Data obtaining module, finance income module, financial expenditures module, transaction certificate auditing module, refund statistical module and display are eventually
End connection；
User's division module obtains the essential information of loaning bill side, and carries out essential information division to loaning bill side, is divided into and borrows
Money people essential information and borrowing enterprise's essential information, borrower's essential information and borrowing enterprise's essential information after division are sent to
Loaning bill data obtaining module；
Loaning bill data obtaining module is used to receive the borrower's essential information and borrowing enterprise's base of user's division module transmission
This information and the borrowing balance for obtaining current borrower or borrowing enterprise, borrower's essential information or loaning bill are looked forward to based on the received
The essential information of industry counts the total degree that previous the borrowing money of borrower or borrowing enterprise records and loaning bill is accumulative, and will loaning bill
The previous loaning bill record of people or borrowing enterprise is sent to refund statistical module, the gold borrowed money by accumulative total degree of borrowing money, every time
Volume and currently borrowing balance is needed to be sent to management server；
Refund statistical module is used to receive the borrower of loaning bill data obtaining module transmission or the loaning bill that borrowing enterprise is previous
Record extracts refund due date in record of borrowing money and refunds the time, judges to refund the time whether before due date of refunding, if
It is not then to add up the overdue number of refund to add 1, if refunding the time before due date of refunding, judges whether practical repayment amount is small
In answering repayment amount to compare, if practical repayment amount, which is less than, answers repayment amount, accumulative overdue number of refunding adds 1, conversely,
The number normally refunded is counted, refund statistical module sends out borrower or borrowing enterprise's overdue number of refund and normal refund number
It send to management server；
Finance income module is used to obtain all incomes record of borrower or borrowing enterprise in 1 year, and to acquisition
All income records are counted according to month, are divided, and the finance income record after division is sent to transaction certificate auditing module
And management server；
Financial expenditures module owns acquisition for obtaining all expenditures of borrower or borrowing enterprise in 1 year
Expenditure record is counted according to month, is divided, and the financial expenditures record after division is sent to transaction certificate auditing module and pipe
Manage server；
Transaction certificate auditing module is used to receive the finance income record of finance income module transmission, receives to received finance
Enter record to be audited, whether abnormal with amount received and the transfer account of auditing finance income record, rejecting abnormalities turn
Account account and the corresponding amount of money of transfer account, and the finance income record that audit passes through is sent to management server, it receives
The financial expenditures record that financial expenditures module is sent, received financial expenditures record are audited, to audit financial expenditures record
Payment amount and payment account it is whether abnormal, the corresponding payment amount of payment account and payment account of rejecting abnormalities,
And the financial expenditures record that audit passes through is sent to management server；
Management server receives the loaning bill total degree M added up and the gold borrowed money every time that loaning bill data obtaining module is sent
Volume, and receive the borrower of refund statistical module transmission or borrowing enterprise refunds overdue number and normal refund number, according to borrowing
Money people or borrowing enterprise's overdue number of refund and normal refund number, count overdue coefficient ratioX is expressed as borrowing money
The overdue number of people or borrowing enterprise, the number that Y is expressed as borrower or borrowing enterprise normally refunds, M=X+Y, X+Y, which are equal to, to be borrowed
The accumulative total degree of money, meanwhile, management server counts borrower or the enterprise that borrows money according to overdue coefficient and each repayment amount
Industry is by refund credit loss factor；
Management server receives the finance income record and financial expenditures that the audit that transaction certificate auditing module is sent passes through
Record divides received finance income record and financial expenditures record according to month, extracts the finance income after dividing
The payment amount in collection amount and financial expenditures record in record, collection amount and payment amount after division respectively constitute
Monthly income adds up set A (a1, a2 ..., ai ..., an) and the moon pays accumulative set B (b1, b2 ..., bi ..., bn), ai
It is expressed as the income of i-th of month to date, bi is expressed as the expenditure of i-th of month to date, and n is expressed as month quantity, and n is equal to 12, i=
1,2 ..., 12, for management server according to the accumulative set of monthly income and the moon accumulative set of expenditure, the branch for counting each moon receives ratio
Meanwhile management server adds up set A and pays accumulative set B the moon to be compared one by one according to monthly income, obtains
It is tired that borrower or borrowing enterprise month residual amount difference set C (c1, c2 ..., ci ..., cn), ci are expressed as i-th month this month
Count the remaining amount of money；
The finance of the amount of money, the transmission of finance income module that management server reception borrower or borrowing enterprise need to currently borrow money
The amount paid in financial expenditures record that income, financial expenditures module in income record are sent, and damaged according to refund credit
Coefficient, branch income ratio and moon residual amount difference set are consumed, statistics lending agency is made loans comprehensive danger coefficient, and management server will
The lending agency of statistics comprehensive danger coefficient of making loans is sent to display terminal；
The lending agency that display terminal is used to receive management server transmission is made loans comprehensive danger coefficient, and is shown.
Further, borrower's essential information includes borrower's name, identification card number, home address, telephone number
And the name and telephone number of other members of family, borrowing enterprise's essential information include borrowing enterprise's title, address, society
It can unify the personnel's name and telephone number of credit code, enterprise stock accounting and each share.
Further, the loaning bill record includes borrowing time, borrowing balance, answers repayment amount, practical repayment amount, borrows
Money mechanism borrows money the time, refund due date of refunding.
Further, the refund credit loss factorPMIt is expressed as the M times borrowing balance,
QMIt is expressed as the refund accumulating sum of the M times loaning bill.
Further, the lending agency is made loans comprehensive danger coefficient
τ is expressed as the refund credit loss factor of borrower or borrowing enterprise, ViThe ratio being expressed as between i-th month expenditure and income, U
It is expressed as the current desired borrowing balance of borrower or borrowing enterprise, PMIt is expressed as the M times borrowing balance, PMmaxIt is expressed as M loaning bill
The maximum borrowing balance of borrowing balance, P in the amount of moneyMminIt is expressed as the smallest borrowing balance of borrowing balance in M borrowing balance,It is expressed as the n months synthesis for working as the remaining amount of money of month to date, QMIt is expressed as the refund accumulating sum of the M times loaning bill.
Beneficial effects of the present invention:
Big data cross validation restoring function system provided by the invention, by the receipts for obtaining borrower or borrowing enterprise
Enter, pay, and transaction certificate audit is carried out to the receipts and expenditures of acquisition, to determine the actual expenditure of borrower or borrowing enterprise
And income, wash sale information is excluded, the real economy capacity situation of borrower or borrowing enterprise is restored, to analyze payment of debts energy
Power；
By obtaining history borrowing balance, loaning bill number and refunding the time, the refund of borrower or borrowing enterprise is counted
Credit loss factor, to analyze the refund credit rating of borrower or borrowing enterprise, and according to borrower or the reality of borrowing enterprise
Income, expenditure, refund credit loss factor and borrowing balance combine statistics lending agency and make loans comprehensive danger coefficient, can
The loan repayment capacity and economic situation for effectively judging and restoring borrower or borrowing enterprise, reduce the inaccuracy of lending agency audit
Property, reduce the loan risk of lending agency.
Detailed description of the invention
In order to illustrate the technical solution of the embodiments of the present invention more clearly, will be described below to embodiment required
Attached drawing is briefly described, it should be apparent that, drawings in the following description are only some embodiments of the invention, for ability
For the those of ordinary skill of domain, without creative efforts, it can also be obtained according to these attached drawings other attached
Figure.
Fig. 1 is a kind of schematic diagram of big data cross validation restoring function system in the present invention.
Specific embodiment
Following will be combined with the drawings in the embodiments of the present invention, and technical solution in the embodiment of the present invention carries out clear, complete
Site preparation description, it is clear that described embodiments are only a part of the embodiments of the present invention, instead of all the embodiments.It is based on
Embodiment in the present invention, it is obtained by those of ordinary skill in the art without making creative efforts all other
Embodiment shall fall within the protection scope of the present invention.
Refering to Figure 1, a kind of big data cross validation restoring function system, including user's division module, letter of borrowing money
Breath obtains module, finance income module, financial expenditures module, transaction certificate auditing module, refund statistical module, management server
And display terminal；
User's division module is connect with loaning bill data obtaining module, and loaning bill data obtaining module and refund statistical module connect
Connect, transaction certificate auditing module is connect with finance income module and financial expenditures module respectively, management server respectively with loaning bill
Data obtaining module, finance income module, financial expenditures module, transaction certificate auditing module, refund statistical module and display are eventually
End connection；
User's division module obtains the essential information of loaning bill side, and carries out essential information division to loaning bill side, is divided into and borrows
Money people essential information and borrowing enterprise's essential information, borrower's essential information and borrowing enterprise's essential information after division are sent to
Loaning bill data obtaining module, wherein borrower's essential information includes borrower's name, identification card number, home address, telephone number
And the name and telephone number etc. of other members of family, borrowing enterprise's essential information includes borrowing enterprise's title, address, society
Unified credit code, personnel's name of enterprise stock accounting and each share and telephone number etc.；
Loaning bill data obtaining module is used to receive the borrower's essential information and borrowing enterprise's base of user's division module transmission
This information and the borrowing balance for obtaining current borrower or borrowing enterprise, borrower's essential information or loaning bill are looked forward to based on the received
The essential information of industry counts the total degree that previous the borrowing money of borrower or borrowing enterprise records and loaning bill is accumulative, and will loaning bill
The previous loaning bill record of people or borrowing enterprise is sent to refund statistical module, the gold borrowed money by accumulative total degree of borrowing money, every time
Volume and currently borrowing balance is needed to be sent to management server, wherein record of borrowing money includes the borrowing time, borrowing balance, should go back
The money amount of money, borrowing organization, is borrowed money time, the refund due date etc. of refunding at practical repayment amount；
Refund statistical module is used to receive the borrower of loaning bill data obtaining module transmission or the loaning bill that borrowing enterprise is previous
Record extracts refund due date in record of borrowing money and refunds the time, judges to refund the time whether before due date of refunding, if
It is not then to add up the overdue number of refund to add 1, if refunding the time before due date of refunding, judges whether practical repayment amount is small
In answering repayment amount to compare, if practical repayment amount, which is less than, answers repayment amount, accumulative overdue number of refunding adds 1, conversely,
The number normally refunded is counted, refund statistical module sends out borrower or borrowing enterprise's overdue number of refund and normal refund number
It send to management server；
Finance income module is used to obtain all incomes record of borrower or borrowing enterprise in 1 year, and to acquisition
All income records are counted according to month, are divided, and the finance income record after division is sent to transaction certificate auditing module
And management server；
Financial expenditures module owns acquisition for obtaining all expenditures of borrower or borrowing enterprise in 1 year
Expenditure record is counted according to month, is divided, and the financial expenditures record after division is sent to transaction certificate auditing module and pipe
Manage server；
Transaction certificate auditing module is used to receive the finance income record of finance income module transmission, receives to received finance
Enter record to be audited, whether abnormal with amount received and the transfer account of auditing finance income record, rejecting abnormalities turn
Account account and the corresponding amount of money of transfer account, and the finance income record that audit passes through is sent to management server, it receives
The financial expenditures record that financial expenditures module is sent, received financial expenditures record are audited, to audit financial expenditures record
Payment amount and payment account it is whether abnormal, the corresponding payment amount of payment account and payment account of rejecting abnormalities,
And the financial expenditures record that audit passes through is sent to management server, wherein finance income record includes transfer account and receipts
The money amount of money, financial expenditures record include collecting account and Payment Amount, finance income record in abnormal transfer account refer in addition to
Account other than wage income, financial expenditures record in abnormal account refer to the account other than hotel owner and retail shop.
Management server receives the loaning bill total degree M added up and the gold borrowed money every time that loaning bill data obtaining module is sent
Volume, and receive the borrower of refund statistical module transmission or borrowing enterprise refunds overdue number and normal refund number, according to borrowing
Money people or borrowing enterprise's overdue number of refund and normal refund number, count overdue coefficient ratioX is expressed as borrowing money
The overdue number of people or borrowing enterprise, the number that Y is expressed as borrower or borrowing enterprise normally refunds, M=X+Y, X+Y, which are equal to, to be borrowed
The accumulative total degree of money, meanwhile, management server counts borrower or the enterprise that borrows money according to overdue coefficient and each repayment amount
Industry is by refund credit loss factorPMIt is expressed as the M times borrowing balance, QMIt is expressed as the M times loaning bill
Refund accumulating sum, can be disposable repayment amount and the accumulative installment reimbursement amount of money, refund credit loss factor is higher, table
The credit that bright borrower or borrowing enterprise refund is lower；
Management server receives the finance income record and financial expenditures that the audit that transaction certificate auditing module is sent passes through
Record divides received finance income record and financial expenditures record according to month, extracts the finance income after dividing
The payment amount in collection amount and financial expenditures record in record, collection amount and payment amount after division respectively constitute
Monthly income adds up set A (a1, a2 ..., ai ..., an) and the moon pays accumulative set B (b1, b2 ..., bi ..., bn), ai
It is expressed as the income of i-th of month to date, bi is expressed as the expenditure of i-th of month to date, and n is expressed as month quantity, and n is equal to 12, i=
1,2 ..., 12, for management server according to the accumulative set of monthly income and the moon accumulative set of expenditure, the branch for counting each moon receives ratio
Meanwhile management server adds up set A and pays accumulative set B the moon to be compared one by one according to monthly income, obtains
It is tired that borrower or borrowing enterprise month residual amount difference set C (c1, c2 ..., ci ..., cn), ci are expressed as i-th month this month
Count the remaining amount of money；
The finance of the amount of money, the transmission of finance income module that management server reception borrower or borrowing enterprise need to currently borrow money
The amount paid in financial expenditures record that income, financial expenditures module in income record are sent, and damaged according to refund credit
Coefficient, branch income ratio and moon residual amount difference set are consumed, statistics lending agency is made loans comprehensive danger coefficientτ is expressed as the refund credit loss factor of borrower or borrowing enterprise,
ViThe ratio being expressed as between i-th month expenditure and income, U are expressed as the current desired borrowing balance of borrower or borrowing enterprise, PMTable
It is shown as the M times borrowing balance, PMmaxIt is expressed as the maximum borrowing balance of borrowing balance, P in M borrowing balanceMminIt is expressed as M times
The smallest borrowing balance of borrowing balance in borrowing balance,It is expressed as the n months synthesis for working as the remaining amount of money of month to date, QMTable
It is shown as the refund accumulating sum of the M times loaning bill, comprehensive danger coefficient of making loans is higher, shows lending agency to the borrower or loaning bill
The danger coefficient that enterprise makes loans is bigger, management server by the lending agency of statistics make loans comprehensive danger coefficient be sent to display eventually
End is made loans the statistics of comprehensive danger coefficient by lending agency, realizes the financial situation cross validation of borrower or borrowing enterprise
Analysis, improves the risk assessment ability made loans；
The lending agency that display terminal is used to receive management server transmission is made loans comprehensive danger coefficient, and is shown,
Financial capability situation intuitive convenient for lending instruction, that borrower or borrowing enterprise is well understood.
Big data cross validation restoring function system provided by the invention, by the receipts for obtaining borrower or borrowing enterprise
Enter, pay, and transaction certificate audit is carried out to the receipts and expenditures of acquisition, to determine the actual expenditure of borrower or borrowing enterprise
And income, wash sale information is excluded, the real economy capacity situation of borrower or borrowing enterprise is restored, to analyze payment of debts energy
Power；
By obtaining history borrowing balance, loaning bill number and refunding the time, the refund of borrower or borrowing enterprise is counted
Credit loss factor, to analyze the refund credit rating of borrower or borrowing enterprise, and according to borrower or the reality of borrowing enterprise
Income, expenditure, refund credit loss factor and borrowing balance combine statistics lending agency and make loans comprehensive danger coefficient, can
The loan repayment capacity and economic situation for effectively judging and restoring borrower or borrowing enterprise, reduce the inaccuracy of lending agency audit
Property, reduce the loan risk of lending agency.
The above content is just an example and description of the concept of the present invention, affiliated those skilled in the art
It makes various modifications or additions to the described embodiments or is substituted in a similar manner, without departing from invention
Design or beyond the scope defined by this claim, be within the scope of protection of the invention.
Claims (5)
1. a kind of big data cross validation restoring function system, it is characterised in that: including user's division module, loaning bill acquisition of information
Module, finance income module, financial expenditures module, transaction certificate auditing module, refund statistical module, management server and display
Terminal；
User's division module is connect with loaning bill data obtaining module, and loaning bill data obtaining module is connect with refund statistical module, is handed over
Easy voucher audit module is connect with finance income module and financial expenditures module respectively, and management server is obtained with loaning bill information respectively
Modulus block, finance income module, financial expenditures module, transaction certificate auditing module, refund statistical module are connected with display terminal；
User's division module obtains the essential information of loaning bill side, and carries out essential information division to loaning bill side, is divided into borrower
Essential information and borrowing enterprise's essential information, borrower's essential information and borrowing enterprise's essential information after division are sent to loaning bill
Data obtaining module；
Loaning bill data obtaining module is used to receive borrower's essential information of user's division module transmission and borrowing enterprise believes substantially
The borrowing balance of current borrower or borrowing enterprise is ceased and obtains, based on the received borrower's essential information or borrowing enterprise
Essential information, counts the previous loaning bill record of borrower or borrowing enterprise and accumulative total degree of borrowing money, and by borrower or
The previous loaning bill record of borrowing enterprise is sent to refund statistical module, the amount of money borrowed money by accumulative total degree of borrowing money, every time with
And currently borrowing balance is needed to be sent to management server；
Refund statistical module is used to receive the borrower of loaning bill data obtaining module transmission or the loaning bill record that borrowing enterprise is previous,
Refund in record of borrowing money due date and time of refunding are extracted, judges to refund the time whether before due date of refunding, if it is not,
Then add up the overdue number of refund and add 1, if refunding the time before due date of refunding, judging whether practical repayment amount is less than should be gone back
The money amount of money compares, if practical repayment amount, which is less than, answers repayment amount, accumulative overdue number of refunding adds 1, conversely, statistics is just
Borrower or borrowing enterprise's overdue number of refund and normal refund number are sent to pipe by the number often refunded, refund statistical module
Manage server；
Finance income module is used to obtain all incomes record of borrower or borrowing enterprise in 1 year, and owns to acquisition
Income record is counted according to month, is divided, and the finance income record after division is sent to transaction certificate auditing module and pipe
Manage server；
Financial expenditures module is used to obtain all expenditures of borrower or borrowing enterprise in 1 year, and to all expenditures of acquisition
Record is counted according to month, is divided, and the financial expenditures record after division is sent to transaction certificate auditing module and management clothes
Business device；
Transaction certificate auditing module is used to receive the finance income record of finance income module transmission, remembers to received finance income
Whether record is audited, abnormal with amount received and the transfer account of auditing finance income record, the account of transferring accounts of rejecting abnormalities
Family and the corresponding amount of money of transfer account, and the finance income record that audit passes through is sent to management server, receive finance
The financial expenditures record that module is sent is paid, received financial expenditures record is audited, to audit the branch of financial expenditures record
It pays the amount of money and whether payment account is abnormal, the corresponding payment amount of payment account and payment account of rejecting abnormalities, and will
It audits the financial expenditures record passed through and is sent to management server；
Management server receives the loaning bill total degree M added up and the amount of money borrowed money every time that loaning bill data obtaining module is sent, and
Receive borrower that refund statistical module is sent or borrowing enterprise refund overdue number and normal refund number, according to borrower or
Borrowing enterprise's overdue number of refund and normal refund number, count overdue coefficient ratioX is expressed as borrower or borrows
The overdue number of money enterprise, the number that Y is expressed as borrower or borrowing enterprise normally refunds, M=X+Y, X+Y, which are equal to borrow money, to be added up
Total degree, meanwhile, according to overdue coefficient and each repayment amount, counting borrower or borrowing enterprise will go back management server
Money credit loss factor；
Management server receives the finance income record and financial expenditures record that the audit that transaction certificate auditing module is sent passes through,
Received finance income record and financial expenditures record are divided according to month, extracted in the finance income record after dividing
Collection amount and financial expenditures record in payment amount, collection amount and payment amount after division respectively constitute monthly income
Accumulative set A (a1, a2 ..., ai ..., an) and the moon pay accumulative set B (b1, b2 ..., bi ..., bn), and ai is expressed as
The income of i-th of month to date, bi are expressed as the expenditure of i-th of month to date, and n is expressed as month quantity, and n is equal to 12, i=1,
2 ..., 12, for management server according to the accumulative set of monthly income and the moon accumulative set of expenditure, the branch for counting each moon receives ratio
Meanwhile management server adds up set A and pays accumulative set B the moon to be compared one by one according to monthly income, is borrowed money
People or borrowing enterprise month residual amount difference set C (c1, c2 ..., ci ..., cn), ci are expressed as i-th month when month to date is surplus
The remaining amount of money；
The finance income of the amount of money, the transmission of finance income module that management server reception borrower or borrowing enterprise need to currently borrow money
The amount paid in financial expenditures record that income, financial expenditures module in record are sent, and be lost according to refund credit and be
Number, branch income ratio and moon residual amount difference set, statistics lending agency are made loans comprehensive danger coefficient, and management server will count
Lending agency comprehensive danger coefficient of making loans be sent to display terminal；
The lending agency that display terminal is used to receive management server transmission is made loans comprehensive danger coefficient, and is shown.
2. a kind of big data cross validation restoring function system according to claim 1, it is characterised in that: the borrower
Essential information includes name and the connection of borrower's name, identification card number, home address, telephone number and other members of family
Phone, borrowing enterprise's essential information include borrowing enterprise's title, address, society unified credit code, enterprise stock accounting
And the personnel's name and telephone number of each share.
3. a kind of big data cross validation restoring function system according to claim 1, it is characterised in that: the loaning bill note
Record includes borrowing time, borrowing balance, answers repayment amount, practical repayment amount, borrowing organization, the refund time of borrowing money, refunds and arrive
Date phase.
4. a kind of big data cross validation restoring function system according to claim 1, it is characterised in that: the refund letter
Use loss factorPMIt is expressed as the M times borrowing balance, QMThe refund for being expressed as the M times loaning bill is accumulative
The amount of money.
5. a kind of big data cross validation restoring function system according to claim 1, it is characterised in that: the loan machine
Structure is made loans comprehensive danger coefficientτ is expressed as borrower or borrowing enterprise
Refund credit loss factor, ViThe ratio being expressed as between i-th month expenditure and income, U is expressed as borrower or borrowing enterprise works as
Borrowing balance needed for preceding, PMIt is expressed as the M times borrowing balance, PMmaxIt is expressed as the maximum loaning bill of borrowing balance in M borrowing balance
The amount of money, PMminIt is expressed as the smallest borrowing balance of borrowing balance in M borrowing balance,N months are expressed as when month to date is surplus
The synthesis of the remaining amount of money, QMIt is expressed as the refund accumulating sum of the M times loaning bill.
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Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN110609829A (en) * | 2019-08-15 | 2019-12-24 | 上海新颜人工智能科技有限公司 | Method and system for cleaning and restoring transaction data |
| CN117473472A (en) * | 2022-07-21 | 2024-01-30 | 财付通支付科技有限公司 | Resource transfer information management methods, devices, equipment and readable storage media |
| CN119205353A (en) * | 2024-09-23 | 2024-12-27 | 四川万网鑫成信息科技有限公司 | Automobile financial service method and system based on large language model |
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| CN117473472A (en) * | 2022-07-21 | 2024-01-30 | 财付通支付科技有限公司 | Resource transfer information management methods, devices, equipment and readable storage media |
| CN119205353A (en) * | 2024-09-23 | 2024-12-27 | 四川万网鑫成信息科技有限公司 | Automobile financial service method and system based on large language model |
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