WO2017124245A1 - Financing method based on financial liability matching result of customer, and intelligent financing system - Google Patents
Financing method based on financial liability matching result of customer, and intelligent financing system Download PDFInfo
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- WO2017124245A1 WO2017124245A1 PCT/CN2016/071262 CN2016071262W WO2017124245A1 WO 2017124245 A1 WO2017124245 A1 WO 2017124245A1 CN 2016071262 W CN2016071262 W CN 2016071262W WO 2017124245 A1 WO2017124245 A1 WO 2017124245A1
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- the invention belongs to the field of intelligent banking, and provides a method for matching financing according to customer financial liabilities and an intelligent financing system.
- each bank has its own methods in risk management, it can conduct a survey to analyze the real situation of customers to smoothly identify potential customers, reduce their loan quota or no longer provide them. Financing.
- the intelligent financing system identifies customers who are insolvent, which can effectively reduce the credit risk of financial institutions such as banks, improve the efficiency of financing services, and strengthen the bank's risk management capabilities.
- Embodiments of the present invention provide a method for matching financing according to a customer financial liability and an intelligent financing system.
- the purpose is to provide a set
- the intelligent financing system identifies customers who are insolvent, which can effectively reduce the credit risk of financial institutions such as banks, improve the efficiency of financing services, and strengthen the bank's risk management capabilities.
- the present invention is achieved by a method of matching financing according to a customer's financial liabilities, comprising the following steps:
- the embodiment of the invention also provides an intelligent financing system, comprising:
- a recording unit for recording all financial liabilities and credit lines of customers in the bank
- a statistical unit wherein an input end thereof is respectively connected to an output end of the recording unit and an output end of the reading unit, and is configured to calculate a total financial liability of the customer in the unit according to the financial liability corresponding to the customer information;
- a comparison unit whose input end is connected to the output end of the statistical unit and the output end of the recording unit, and is used for comparing the total amount of the customer's financial liabilities and the credit line;
- the control unit is connected to the judging unit, and is used to send the prompt information for suggesting financing to the user if the credit limit is not exceeded, and if the credit limit is exceeded, the user is prompted not to propose financing.
- the invention identifies the insolvent customers through the intelligent financing system, thereby effectively reducing the credit risk of financial institutions such as banks, improving the efficiency of financing services, and strengthening the bank's risk management capabilities.
- FIG. 1 is a schematic flowchart of a method for matching financing according to a customer's financial liabilities according to an embodiment of the present invention
- FIG. 2 is a schematic structural diagram of an intelligent financing system according to an embodiment of the present invention.
- FIG. 1 is a schematic flow chart of a method for financing whether a customer's financial liabilities are matched according to an embodiment of the present invention. For the convenience of description, only parts related to the embodiment of the present invention are shown.
- step S101 all financial liabilities and credit lines of the customer in the bank are recorded.
- step S102 the customer information is read.
- step S103 based on the financial liabilities corresponding to the customer information, the total financial liabilities of the customer in the unit are counted.
- step S104 In the middle, compare the total financial liabilities of the customer with the credit line, and based on the comparison result, decide whether to provide financing to the customer. If the credit limit is not exceeded, proceed to step S105. The prompt information for suggesting financing is sent to the user. If the credit limit is exceeded, the process proceeds to step S106, and the user is prompted not to propose financing.
- the invention identifies the insolvent customers through the intelligent financing system, thereby effectively reducing the credit risk of financial institutions such as banks, improving the efficiency of financing services, and strengthening the bank's risk management capabilities.
- FIG. 2 is a schematic structural diagram of an intelligent financing system according to an embodiment of the present invention, where the intelligent financing system includes:
- a recording unit 21 for recording all financial liabilities and credit lines of the customer in the bank
- a reading unit 22 configured to read customer information
- a statistical unit 23 having an input end and an output end of the recording unit 21 and the reading unit 22, respectively The output connection is used to calculate the total financial liabilities of the customer in the unit according to the financial liabilities corresponding to the customer information;
- a comparison unit 24 an input end thereof, an output end 23 of the statistical unit, and the recording unit 21
- the output connection is used to compare the total amount of customer financial liabilities with the credit line;
- Control unit 25, and comparison unit 24 The connection is used to send a prompt message for suggesting financing to the user if the credit limit is not exceeded, and if the credit limit is exceeded, the user is prompted not to propose financing.
- the working principle is: the recording unit 21 records all financial liabilities and credit lines of the customer in the bank; the reading unit 22 Reading the customer information; the statistical unit 23 calculates the total financial liabilities of the customer in the unit according to the financial liabilities corresponding to the customer information; and compares the total financial liabilities and the credit line of the customer according to the comparison unit 24; 25 If the user does not exceed the credit line, the user will be prompted to provide financing. If the credit limit is exceeded, the user will be prompted not to propose financing.
- the invention provides a set
- the intelligent financing system identifies customers who are insolvent, which can effectively reduce the credit risk of financial institutions such as banks, improve the efficiency of financing services, and strengthen the bank's risk management capabilities.
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Abstract
Description
本发明属于 智能银行领域 ，提供了一种根据客户金融负债匹配是否融资的方法以及智能融资系统。 The invention belongs to the field of intelligent banking, and provides a method for matching financing according to customer financial liabilities and an intelligent financing system.
未来经济进入下行期，金融风险越来越多，客户的资信情况调查起来也越来越复杂，为有效防范风险，提高客户风险识别能力，各金融机构尤其是银行需要准确了解并确保个人客户资信良好，企业客户运转正常，都不存在资不抵债，需要借新款还旧款的情形，以避免放出的款收不回来。 In the future, the economy will enter the downturn, financial risks will increase, and the credit information of customers will become more and more complicated. In order to effectively prevent risks and improve customer risk identification, financial institutions, especially banks, need to accurately understand and ensure the credit of individual customers. Good, corporate customers are functioning normally, there is no insolvency, and it is necessary to borrow new and old funds to avoid the release of the money.
虽然各家银行在风险管理上都有自己的方法，都能通过调查的方式对客户的真实情况进行摸底，以顺利的识别出具有潜在风险的客户，降低对其贷款额度或不再对其提供融资。 Although each bank has its own methods in risk management, it can conduct a survey to analyze the real situation of customers to smoothly identify potential customers, reduce their loan quota or no longer provide them. Financing.
但是现在，一方面，在国家政策的大力支持下，大部分银行都开始涉足个人及其小微企业服务，此类客户的特点在于贷款额度小，信用风险高，信息不对称，单笔调查成本巨大，且客户存在多方融资的情形，难以有效的归集和统计。 But now, on the one hand, with the strong support of national policies, most banks have begun to get involved in individuals and their small and micro-enterprise services. These customers are characterized by small loan quotas, high credit risk, asymmetric information, and single survey costs. Huge, and the customer has multiple financing situations, it is difficult to effectively collect and count.
综上，针对现在存在银行业普遍存在的客户资信调查时间很难，难以及时满足客户融资需求的情况，需要提供一套 In summary, it is difficult to meet the customer's financing needs in the banking industry, and it is difficult to meet the customer's financing needs in time.
智能融资系统识别出资不抵债的客户，从而能有效降低银行等金融机构信用风险，提高融资服务效率，强化银行风险管理能力。 The intelligent financing system identifies customers who are insolvent, which can effectively reduce the credit risk of financial institutions such as banks, improve the efficiency of financing services, and strengthen the bank's risk management capabilities.
本发明实施例提供了一种根据客户金融负债匹配是否融资的方法以及智能融资系统。目的在于 提供一套 智能融资系统识别出资不抵债的客户，从而能有效降低银行等金融机构信用风险，提高融资服务效率，强化银行风险管理能力。 Embodiments of the present invention provide a method for matching financing according to a customer financial liability and an intelligent financing system. The purpose is to provide a set The intelligent financing system identifies customers who are insolvent, which can effectively reduce the credit risk of financial institutions such as banks, improve the efficiency of financing services, and strengthen the bank's risk management capabilities.
本发明是这样实现的：一种根据客户金融负债匹配是否融资的方法 ， 包括以下步骤： The present invention is achieved by a method of matching financing according to a customer's financial liabilities, comprising the following steps:
记录客户在银行中所有金融负债和授信额度； Record all financial liabilities and credit lines of customers in the bank;
读取客户信息； Read customer information;
根据所述客户信息对应的金融负债，统计出客户在本单位金融负债总额； Calculate the total financial liabilities of the customer in the unit according to the financial liabilities corresponding to the customer information;
比较客户金融负债总额与授信额度的大小； Compare the total amount of customer financial liabilities with the credit line;
若没超过授信额度，向用户发出建议融资的提示信息； If the credit limit is not exceeded, the user is prompted to provide financing for the proposal;
若超过授信额度，向用户发出不建议融资的提示信息。 If the credit limit is exceeded, the user is prompted not to propose financing.
本发明实施例还提供了一种智能融资系统，包括： The embodiment of the invention also provides an intelligent financing system, comprising:
记录单元，用于记录客户在银行中所有金融负债和授信额度； a recording unit for recording all financial liabilities and credit lines of customers in the bank;
读取单元，用于读取客户信息； a reading unit for reading customer information;
统计单元，其输入端分别与所述记录单元的输出端以及所述读取单元的输出端连接，用于根据所述客户信息对应的金融负债，统计出客户在本单位金融负债总额； a statistical unit, wherein an input end thereof is respectively connected to an output end of the recording unit and an output end of the reading unit, and is configured to calculate a total financial liability of the customer in the unit according to the financial liability corresponding to the customer information;
比较单元，其输入端与所述统计单元的输出端以及所述记录单元的输出端连接，用于比较客户金融负债总额与授信额度的大小； a comparison unit, whose input end is connected to the output end of the statistical unit and the output end of the recording unit, and is used for comparing the total amount of the customer's financial liabilities and the credit line;
调控单元，与所述判断单元连接，用于没超过授信额度，向用户发出建议融资的提示信息，若超过授信额度，向用户发出不建议融资的提示信息。 The control unit is connected to the judging unit, and is used to send the prompt information for suggesting financing to the user if the credit limit is not exceeded, and if the credit limit is exceeded, the user is prompted not to propose financing.
该发明通过智能融资系统识别出资不抵债的客户，从而能有效降低银行等金融机构信用风险，提高融资服务效率，强化银行风险管理能力。 The invention identifies the insolvent customers through the intelligent financing system, thereby effectively reducing the credit risk of financial institutions such as banks, improving the efficiency of financing services, and strengthening the bank's risk management capabilities.
图 1 是本发明实施例提供的一种根据客户金融负债匹配是否融资方法 的流程示意图 ； FIG. 1 is a schematic flowchart of a method for matching financing according to a customer's financial liabilities according to an embodiment of the present invention; FIG.
图 2 是本发明实施例提供的智能融资系统的结构示意图。 FIG. 2 is a schematic structural diagram of an intelligent financing system according to an embodiment of the present invention.
为了使本发明的目的、技术方案及优点更加清楚明白，以下结合附图及实施例，对本发明进行进一步详细说明。应当理解，此处所描述的具体实施例仅仅用以解释本发明，并不用于限定本发明。 The present invention will be further described in detail below with reference to the accompanying drawings and embodiments. It is understood that the specific embodiments described herein are merely illustrative of the invention and are not intended to limit the invention.
图 1 是本发明实施例提供的 一种 根据客户金融负债匹配是否融资方法 的流程示意图 ，为了便于说明，只示出了与本发明实施例相关的部分。 1 is a schematic flow chart of a method for financing whether a customer's financial liabilities are matched according to an embodiment of the present invention. For the convenience of description, only parts related to the embodiment of the present invention are shown.
在步骤 S101 中 记录客户在银行中所有金融负债和授信额度。 In step S101, all financial liabilities and credit lines of the customer in the bank are recorded.
在银行为客户提供金融服务之前，都会进行尽职调查，以掌握客户的还款能力和还款意愿，了解客户资信情况，在此过程中会形成客户的相关信息记录，并在此基础上确定客户的授信额度。因为银行网点较多，金融服务功能多元，客户既可以在不同的网点进行融资，也可以通过如资产管理计划，贷款等不同的方式进行融资，会在银行形成不同的金融负债。 Before the bank provides financial services to customers, it will conduct due diligence to grasp the customer's repayment ability and repayment willingness, understand the customer's credit status, and in the process will form a customer's relevant information record, and determine the customer on this basis. Credit line. Because there are many banking outlets and multiple financial services, customers can either raise funds at different outlets or finance through different methods such as asset management plans and loans, and form different financial liabilities in banks.
在步骤 S102 中，读取客户信息。 In step S102, the customer information is read.
在步骤 S103 中，根据所述客户信息对应的金融负债，统计出客户在本单位金融负债总额。 In step S103, based on the financial liabilities corresponding to the customer information, the total financial liabilities of the customer in the unit are counted.
在步骤 S104 中，比较客户金融负债总额与授信额度大小，并根据比较的结果，决定是否对客户提供融资，若没超过授信额度，进入步骤 S105 ，向用户发出建议融资的提示信息，若超过授信额度，进入步骤 S106 ，向用户发出不建议融资的提示信息。 At step S104 In the middle, compare the total financial liabilities of the customer with the credit line, and based on the comparison result, decide whether to provide financing to the customer. If the credit limit is not exceeded, proceed to step S105. The prompt information for suggesting financing is sent to the user. If the credit limit is exceeded, the process proceeds to step S106, and the user is prompted not to propose financing.
该发明通过智能融资系统识别出资不抵债的客户，从而能有效降低银行等金融机构信用风险，提高融资服务效率，强化银行风险管理能力。 The invention identifies the insolvent customers through the intelligent financing system, thereby effectively reducing the credit risk of financial institutions such as banks, improving the efficiency of financing services, and strengthening the bank's risk management capabilities.
图 2 是本发明实施例提供的一种智能融资系统的结构示意图，该智能融资系统包括 ： 2 is a schematic structural diagram of an intelligent financing system according to an embodiment of the present invention, where the intelligent financing system includes:
记录单元 21 ，读取单元 22 ，统计单元 23 ，比较单元 24 ，调控单元 25 ，其中， Recording unit 21, reading unit 22, statistical unit 23, comparison unit 24, control unit 25 ,among them,
记录单元 21 ，用于记录客户在银行中所有金融负债和授信额度； a recording unit 21 for recording all financial liabilities and credit lines of the customer in the bank;
读取单元 22 ，用于读取客户信息； a reading unit 22, configured to read customer information;
统计单元 23 ，其输入端分别与所述记录单元 21 的输出端以及所述读取单元 22 的输出端连接，用于根据所述客户信息对应的金融负债，统计出客户在本单位金融负债总额； a statistical unit 23 having an input end and an output end of the recording unit 21 and the reading unit 22, respectively The output connection is used to calculate the total financial liabilities of the customer in the unit according to the financial liabilities corresponding to the customer information;
比较单元 24 ，其输入端与所述统计单元的输出端 23 以及所述记录单元 21 的输出端连接，用于比较客户金融负债总额与授信额度的大小； a comparison unit 24, an input end thereof, an output end 23 of the statistical unit, and the recording unit 21 The output connection is used to compare the total amount of customer financial liabilities with the credit line;
调控单元 25 ，与所述比较单元 24 连接，用于若没超过授信额度，向用户发出建议融资的提示信息，若超过授信额度，向用户发出不建议融资的提示信息。 Control unit 25, and comparison unit 24 The connection is used to send a prompt message for suggesting financing to the user if the credit limit is not exceeded, and if the credit limit is exceeded, the user is prompted not to propose financing.
其工作原理是：记录单元 21 记录客户在银行中所有金融负债和授信额度；读取单元 22 读取客户信息；统计单元 23 根据所述客户信息对应的金融负债，统计出客户在本单位金融负债总额；比较单元 24 比较客户金融负债总额与授信额度的大小；调控单元 25 用于若没超过授信额度，向用户发出建议融资的提示信息，若超过授信额度，向用户发出不建议融资的提示信息。 The working principle is: the recording unit 21 records all financial liabilities and credit lines of the customer in the bank; the reading unit 22 Reading the customer information; the statistical unit 23 calculates the total financial liabilities of the customer in the unit according to the financial liabilities corresponding to the customer information; and compares the total financial liabilities and the credit line of the customer according to the comparison unit 24; 25 If the user does not exceed the credit line, the user will be prompted to provide financing. If the credit limit is exceeded, the user will be prompted not to propose financing.
该发明通过 提供一套 智能融资系统识别出资不抵债的客户，从而能有效降低银行等金融机构信用风险，提高融资服务效率，强化银行风险管理能力。 The invention provides a set The intelligent financing system identifies customers who are insolvent, which can effectively reduce the credit risk of financial institutions such as banks, improve the efficiency of financing services, and strengthen the bank's risk management capabilities.
以上仅为本发明的较佳实施例而已，并不用以限制本发明，凡在本发明的精神和原则之内所作的任何修改、等同替换和改进等，均应包含在本发明的保护范围之内。 The above are only the preferred embodiments of the present invention, and are not intended to limit the present invention. Any modifications, equivalents, and improvements made within the spirit and scope of the present invention should be included in the scope of the present invention. Inside.
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| CN109741184A (en) * | 2018-12-30 | 2019-05-10 | 深圳乐信软件技术有限公司 | Financing data management method, device, server and storage medium |
| CN113222574A (en) * | 2021-05-11 | 2021-08-06 | 支付宝(杭州)信息技术有限公司 | Remittance method and device based on block chain system |
| CN116934468A (en) * | 2023-09-15 | 2023-10-24 | 成都运荔枝科技有限公司 | Trusted client grading method based on semantic recognition |
| CN116934468B (en) * | 2023-09-15 | 2023-12-22 | 成都运荔枝科技有限公司 | A credit customer classification method based on semantic recognition |
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