CN108335190A - Make loans method, apparatus and computer readable storage medium based on assets packet - Google Patents
Make loans method, apparatus and computer readable storage medium based on assets packet Download PDFInfo
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- CN108335190A CN108335190A CN201710933039.2A CN201710933039A CN108335190A CN 108335190 A CN108335190 A CN 108335190A CN 201710933039 A CN201710933039 A CN 201710933039A CN 108335190 A CN108335190 A CN 108335190A
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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
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/03—Credit; Loans; Processing thereof
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Abstract
The present invention discloses a kind of make loans method, apparatus and computer readable storage medium based on assets packet, the method includes：According to total amount number is preset in assets packet, the investor for meeting investment rules is accessed into assets packet as the investment planned number of assets packet；When receiving the access application of access assets packet of loaning bill terminal transmission, judge that access applies for whether corresponding application information meets loaning bill side's access rules；When application information meets loaning bill side's access rules, access is applied for that corresponding loaning bill side accesses assets packet as the loaning bill planned number of assets packet, and make loans to loaning bill side according to access application.This programme audits the application information of loaning bill side according to loaning bill side's access rules, when application information meets loaning bill side's access rules, loaning bill side is accessed assets packet as loaning bill planned number, and make loans to it.It is audited by the application information to access application, it is ensured that loaning bill planned number corresponds to the qualification of borrower in assets packet, avoids bad credit, ensures the income of assets packet.
Description
Technical field
The invention mainly relates to network communication technology fields, specifically, be related to a kind of method of making loans based on assets packet,
Device and computer readable storage medium.
Background technology
Current loaning bill pattern common on the market is one-to-one pattern, and a bank corresponds to a loaning bill side, and loaning bill side
It needs to borrow or lend money by guarantee.But because loaning bill side is that individually individual influences entire when this independent part generates bad credit
Loan, the risk that insurance company or guarantee corporation undertake are larger.And the multi-to-multi loaning bill pattern occurred therewith, more banks correspond to
Multiple loaning bill sides form assets packet, are made loans loaning bill side by way of assets packet.It is filed an application to access by loaning bill side
Assets packet does not have review mechanism to the application qualification of loaning bill side, and the risk for bad credit occur is big.
Invention content
The main object of the present invention is to provide a kind of make loans method, apparatus and computer-readable storage medium based on assets packet
Matter, it is intended to solve in the prior art to not to the review mechanism of loaning bill side, the big problem of bad debt risk.
To achieve the above object, the present invention provides a kind of method of making loans based on assets packet, the putting based on assets packet
Money method includes the following steps：
According to total amount number is preset in assets packet, investment planned number of the investor as assets packet of investment rules will be met
Access assets packet；
When receiving the access application of access assets packet of loaning bill terminal transmission, judge that corresponding letter of application is applied in access
Whether breath meets loaning bill side's access rules；
When the application information meets loaning bill side's access rules, apply corresponding loaning bill side as assets packet access
Loaning bill planned number accesses assets packet, and is made loans to loaning bill side according to access application.
Preferably, described to judge to access before applying for the step of whether corresponding application information meets loaning bill side's access rules
Including：
Determine that the risk class for the risk class type and each type that loaning bill planned number corresponds to loaning bill side in assets packet exists
Reference accounting section in assets packet；
Obtain assets packet standard number of packages and standard component it is equal, and according to the risk class type, with reference to accounting section,
Standard number of packages and standard component are equal, generate the Rule of judgment of loaning bill side's access rules.
Preferably, described to judge that access applies for that the step of whether corresponding application information meets loaning bill side's access rules wraps
It includes：
It obtains the risk class of loaning bill side corresponding to application information and access application corresponds to risk in assets packet
The application number of packages of grade；
The risk class is judged whether among risk class type, when the risk class is in the risk class class
When among type, judge whether application information meets loaning bill side's access rules based on the application number of packages.
Preferably, described to judge that the step of whether application information meets loaning bill side's access rules wraps based on the application number of packages
It includes：
Judge the maximum in the reference accounting section for applying for whether number of packages is less than corresponding risk class with the ratio of standard number of packages
Value；
When the maximum value in the reference accounting section that application number of packages is less than corresponding risk class with the ratio of standard number of packages, sentence
Whether disconnected application number of packages is less than default number of packages；
When applying for that number of packages is less than default number of packages, judge to apply for whether the corresponding application part of number of packages is equal less than standard component；
When the application part be respectively less than standard component it is equal when, judge that application information meets loaning bill side's access rules.
Preferably, the reference accounting for judging to apply for whether number of packages is less than corresponding risk class with the ratio of standard number of packages
Include after the maximum value step in section：
When maximum of the application number of packages with the ratio of standard number of packages more than or equal to the reference accounting section of corresponding risk class
When value, judge whether total application number of packages of assets packet is more than standard number of packages；
When total application number of packages of assets packet is more than standard number of packages, whether the corresponding total application amount of money of total application number of packages is judged
Less than default total amount；
When always the corresponding total application amount of money of application number of packages is less than default total amount, application number of packages and standard number of packages are obtained
Ratio is less than the risk class that corresponding risk class refers to accounting section.
Preferably, the application number of packages that obtains is less than corresponding risk class with reference to accounting section with the ratio of standard number of packages
Include after the step of risk class：
When receiving access application corresponding with the risk class, access is applied for that corresponding loaning bill side is used as assets
The loaning bill planned number of packet accesses assets packet.
Preferably, described the step of being made loans to loaning bill side according to access application, includes：
In preset time, judge whether loaning bill side's loaning bill total amount number of access and default total amount number correspond to；
The loaning bill name of assets packet is judged when the loaning bill side of access loaning bill total amount number and default total amount number are to corresponding to
Volume has been expired, and is carried out package operation to assets packet, is applied making loans to loaning bill side according to the access of the side of loaning bill in assets packet.
Preferably, described when the loaning bill side of access loaning bill total amount number and equal default total amount number, to assets
Packet carries out：
When receiving the cancellation request for cancelling access application, the quota has been filled for the loaning bill of judgement assets packet, to cancellation request
Corresponding access application is cancelled, and access is applied for that corresponding loaning bill side is deleted from the loaning bill planned number of assets packet.
In addition, to achieve the above object, the present invention also proposes a kind of device of making loans based on assets packet, described to be based on assets
Packet device of making loans include：Memory, processor, communication bus and the putting based on assets packet being stored on the memory
Money program；
The communication bus is for realizing the connection communication between processor and memory；
The processor is for executing the program of making loans based on assets packet, to realize following steps：
According to total amount number is preset in assets packet, investment planned number of the investor as assets packet of investment rules will be met
Access assets packet；
When receiving the access application of access assets packet of loaning bill terminal transmission, judge that corresponding letter of application is applied in access
Whether breath meets loaning bill side's access rules；
When the application information meets loaning bill side's access rules, apply corresponding loaning bill side as assets packet access
Loaning bill planned number accesses assets packet, and is made loans to loaning bill side according to access application.
In addition, to achieve the above object, it is described computer-readable the present invention also provides a kind of computer readable storage medium
Storage medium storage there are one either more than one program the one or more programs can by one or one with
On processor execute for：
According to total amount number is preset in assets packet, investment planned number of the investor as assets packet of investment rules will be met
Access assets packet；
When receiving the access application of access assets packet of loaning bill terminal transmission, judge that corresponding letter of application is applied in access
Whether breath meets loaning bill side's access rules；
When the application information meets loaning bill side's access rules, apply corresponding loaning bill side as assets packet access
Loaning bill planned number accesses assets packet, and is made loans to loaning bill side according to access application.
The method of making loans based on assets packet of the present embodiment will meet investment according to total amount number is preset in assets packet
The investor of rule accesses assets packet, the funds source as assets packet as the investment planned number of assets packet；It borrows money when receiving
When the access application for the access assets packet that side is sent based on loaning bill terminal, judge that this access applies for whether corresponding application information accords with
Loaning bill side's access rules are closed, only when application information meets loaning bill side's access rules, corresponding loaning bill side just is applied for into access
Loaning bill planned number as assets packet accesses assets packet, and as the loaning bill side of assets packet, assets packet is according to the access Shen of this loaning bill side
Please make loans loaning bill side.This programme is by being arranged loaning bill side's access rules, the Shen in the access application proposed to loaning bill side
Please information audited, when access apply in characterization the side's of loaninging bill loaning bill qualification information meet loaning bill side's access rules when, just general
Loaning bill side accesses this assets packet as the loaning bill planned number of assets packet, and makes loans to it.By to access application application information into
Row audit, it is ensured that loaning bill planned number corresponds to the qualification of borrower in assets packet, avoids bad credit, ensures the income of assets packet.
Description of the drawings
Fig. 1 is the flow diagram of the method first embodiment of making loans based on assets packet of the present invention；
Fig. 2 is the flow diagram of the method second embodiment of making loans based on assets packet of the present invention；
Fig. 3 is the device structure schematic diagram for the hardware running environment that present invention method is related to.
The embodiments will be further described with reference to the accompanying drawings for the realization, the function and the advantages of the object of the present invention.
Specific implementation mode
It should be appreciated that the specific embodiments described herein are merely illustrative of the present invention, it is not intended to limit the present invention.
The present invention provides a kind of method of making loans based on assets packet.
Fig. 1 is please referred to, Fig. 1 is that the present invention is based on the flow diagrams of the method first embodiment of making loans of assets packet.At this
In embodiment, the method for making loans based on assets packet includes：
Step S10 will meet the investor of investment rules as assets packet according to total amount number is preset in assets packet
It invests planned number and accesses assets packet；
The assets packet packaging method of the present embodiment is suitable for multiple investors and the combination of multiple loaning bill sides forms assets packet, by
Investor in assets packet provides with funds, and makes loans the loaning bill side in assets packet.Investor is financial institution, from it to money
Production packet is provided with funds, and debt-credit side is the individual for needing to borrow or lend money or mechanism, and after borrowing money to assets packet, profit of refunding is paid to assets packet
Breath.The income of assets packet is determined by the refund interest of this loaning bill side, so that it is guaranteed that the interests of investor.Because of the money in assets packet
Gold is raised from investor, to need to determine its total amount before forming assets packet, to be carried out according to the number of total amount
It raises, when raising to number corresponding with total amount, then stops raising, otherwise continue to raise.In addition consider investor's
Funds difference can set and play throwing volume as investment rules, when the minimum dollar amount of investor's investment plays throwing volume more than this, judgement
It meets investment rules, and there is access assets packet to obtain it and invest the qualification of planned number.To using this investor as assets packet
It invests planned number and accesses assets packet, become the investor of assets packet, provide with funds to assets packet.Throwing volume is set, it can be ensured that will provide
Golden sufficient investor accesses assets packet as the investment planned number of assets packet, ensures the stability of assets packet fund.
Step S20 judges that access application corresponds to when receiving the access application of access assets packet of loaning bill terminal transmission
Application information whether meet loaning bill side's access rules；
Further, assets packet also needs to carry out convening for loaning bill side, to make loans loaning bill side.Loaning bill side is in loaning bill terminal
The middle access application for proposing access assets packet, loaning bill terminal can be the intelligent terminals such as mobile phone, tablet computer.It is such when receiving
When the access application for the access assets packet that loaning bill terminal is sent, it is contemplated that when refunding, there may be risks for loaning bill side, cause not
Good loan needs to audit the loaning bill qualification of loaning bill side.Loaning bill side's access rules are set, corresponding Shen during access is applied
Please information and the comparison of this side of loaninging bill access rules, judge whether application information meets loaning bill side's access rules, to carry out loaning bill side
Aptitude checking.Wherein loaning bill side's access rules may include being averaged for every loaning bill that the borrowing balance of loaning bill side is set with assets packet
Relationship between borrowing balance, the relationship etc. between the total amount that the loaning bill total amount and assets packet of the side of loaning bill are raised.In addition it examines
Considering non-performing loan includes：It cannot normally refund, mortgage and cannot cash, pledge and can not achieve；Wherein cannot normally refund can
Can be since the fund of loaning bill side turns round problem or prestige problem, after leading to lending, the principal and interest of lending fund can not be withdrawn or only
It withdraws a little；It may be damage, serious loss because of guaranty, the illegal activities of the side of loaning bill that mortgage, which cannot be cashed,
To making guaranty be taken over or be taken over for use, mortgages and the reasons such as set in vain or be revoked, cause hypothec that can not exercise；Pledging cannot
Realization may be the damage because of collateral security, and lossing or returned matter object people causes investor that can not exercise disappearing for mortgage or mortgage
It goes out.To which the aptitude checking of the side of loaning bill may also include history credit information, job specification, real estate, the mortgage to loaning bill side
Object or collateral security etc. are audited, and lead to bad credit to avoid to loaning bill side blindly make loans.
Access is applied for corresponding loaning bill side's conduct by step S30 when the application information meets loaning bill side's access rules
The loaning bill planned number of assets packet accesses assets packet, and is made loans to loaning bill side according to access application.
Further, when judging that application information meets loaning bill side's access rules, then illustrate that there is access to provide for loaning bill side
Production packet obtains the qualification of its loaning bill planned number, to which this access is applied for that corresponding loaning bill side is accessed as the loaning bill planned number of assets packet
Assets packet, becomes the loaning bill side of assets packet, so in being applied according to access demand make loans time limit and the amount of money of making loans to loaning bill
Fang Jinhang makes loans.Specifically, apply for that the step of being made loans to loaning bill side includes according to access：
Step S31 judges that loaning bill side's loaning bill total amount number of access and default total amount number are in preset time
No correspondence；
Step S32, when the loaning bill side of access loaning bill total amount number and default total amount number to it is corresponding when judge assets packet
Loaning bill the quota has been filled, to assets packet carry out package operation, according to the access of the side of loaning bill in assets packet apply to loaning bill side progress
It makes loans.
Understandably, assets packet recruits completion in investment planned number and loaning bill planned number, forms investor and loaning bill side is right
After the relationship of assets answered, making loans for assets packet is just carried out.In view of different applicants submit the application time of access assets packet not
It is identical, need certain time so as to cause the loaning bill side of total amount number corresponding with assets packet is convened.If overlong time, before
The loaning bill side that phase accesses assets packet as the loaning bill planned number of assets packet needs to wait for longer time, could form assets packet, obtain
Making loans for assets packet is obtained, the loaning bill side to being badly in need of fund produces bigger effect.To which the present embodiment is previously provided with preset time,
In this preset time, judge access assets packet loaning bill side loaning bill total amount number and assets packet total amount number whether
It is corresponding.The total amount that assets packet is raised is that a determination numerical value is accessed when loaning bill side meets access loaning bill side's access rules
The borrowing balance of assets packet, each loaning bill side differs, when the sum of the borrowing balance of loaning bill side of multiple access assets packets is providing
When producing in packet total amount top/bottom latitude, then judge that loaning bill side's total amount number of access and default total amount numerical control correspond to, assets
The quota has been filled for the loaning bill of packet.Such as default total amount number is 1,000,000, when the loaning bill total amount number of 5 loaning bill sides is arrived 900,000
Between 1100000, then it can determine that loaning bill side's total amount is corresponding with investor's total amount, the quota has been filled for the loaning bill of assets packet, Bu Nengzai
More loaning bill sides are linked into assets packet as the loaning bill planned number of assets packet.To carry out package operation to assets packet, no longer
Other assets packet is accessed, the assets packet of investor and loaning bill side are formed, according to each making loans the time limit of applying of the side of loaning bill in assets packet
And the amount of money of making loans is made loans to loaning bill side.In addition, loaning bill side propose access assets packet application after, may be for some reason
It need not borrow money, then access application can be cancelled, but this cancellation operation must be before assets packet completes package
It carries out.To when the loaning bill side of access loaning bill total amount number and equal default total amount number, judge the loaning bill of assets packet
The quota has been filled, includes before to the step of assets packet progress package operation：
Step S33, when receiving the cancellation request for cancelling access application, access application corresponding to cancellation request carries out
Cancel, and access is applied for that corresponding loaning bill side is deleted from the loaning bill planned number of assets packet.
Before assets encapsulating packet, the access application that loaning bill can access it assets packet is cancelled.Specifically borrow money
There is cancellation application virtual push button on the interface of terminal, access can be applied to send cancellation request by triggering this virtual push button.
When receiving this cancellation request, judge whether the corresponding loaning bill side of access application endorsed the signing behaviour that assets packet is added
Make, if loaning bill side has contracted, i.e., it establishes loaning bill contract with assets packet, then cannot cancel its access application.If not yet
There is signing, then when receiving cancellation request, then cancels its corresponding access application, and corresponding loaning bill side is applied for into access
It is deleted from the loaning bill planned number of assets packet.Understandably, loaning bill side borrows after being deleted in the loaning bill planned number of assets packet in assets packet
The loaning bill total amount of money planned number tails off, it is understood that there may be loaning bill total amount is less than the case where investor's total amount, to need to judge
Whether assets packet needs to access new loaning bill planned number, to form new assets packet.If loaning bill total amount is always golden less than investor
The number of volume then illustrates that assets packet need not access new loaning bill side in the relocatable range of investor's total amount, and when few
In number exceed the relocatable range of investor's total amount, then illustrate that assets packet needs to access new loaning bill side.Such as certain investment
Square total amount is 5,000,000, and loaning bill total amount range is floated between 450 ten thousand to 550, after a loaning bill side cancels, total gold of borrowing money
Volume is 4,800,000, then judges that assets packet need not access new loaning bill planned number, if after a loaning bill side cancels, loaning bill total amount is 300
Ten thousand, then judge to need to access new loaning bill planned number.The present embodiment is by setting cancellation mechanism, and loaning bill side is according to its demand to borrowing money
Cancelled, and new assets packet is formed according to assets packet total amount number after cancellation, is made loans.
The method of making loans based on assets packet of the present embodiment will meet investment according to total amount number is preset in assets packet
The investor of rule accesses assets packet, the funds source as assets packet as the investment planned number of assets packet；It borrows money when receiving
When the access application for the access assets packet that side is sent based on loaning bill terminal, judge that this access applies for whether corresponding application information accords with
Loaning bill side's access rules are closed, only when application information meets loaning bill side's access rules, corresponding loaning bill side just is applied for into access
Loaning bill planned number as assets packet accesses assets packet, and as the loaning bill side of assets packet, assets packet is according to the access Shen of this loaning bill side
Please make loans loaning bill side.This programme is by being arranged loaning bill side's access rules, the Shen in the access application proposed to loaning bill side
Please information audited, when access apply in characterization the side's of loaninging bill loaning bill qualification information meet loaning bill side's access rules when, just general
Loaning bill side accesses assets packet as loaning bill planned number, and makes loans to loaning bill side.It is audited by the application information to access application,
The qualification for ensuring loaning bill planned number in assets packet avoids bad credit, ensures the income of assets packet.
Further, it is that the present invention is based on the signals of the flow of the method second embodiment of making loans of assets packet with reference to Fig. 2, Fig. 2
Figure, based on the present invention is based on the first embodiments of the method for making loans of assets packet to propose the second embodiment of the present invention.
In the present embodiment, described to judge that access applies for whether corresponding application information meets the step of loaning bill side's access rules
Include before rapid：
Step S40 determines that loaning bill planned number corresponds to the risk class type of loaning bill side and the wind of each type in assets packet
Reference accounting section of the dangerous grade in assets packet；
Step S50, standard number of packages and the standard component for obtaining assets packet are equal, and according to the risk class type, reference
Accounting section, standard number of packages and standard component are equal, generate loaning bill side's access rules.
Understandably, different loaning bill sides has different loaning bills because fund ability, loan repayment capacity, credit grade etc. are different
Risk.On the one hand financial institution meets the borrowing demand of loaning bill side, is on the other hand full of for investor when releasing a assets packet
Profit.When the risk of all loaning bill sides is higher, investor may be caused to defeat.Thus in order to control the loaning bill risk of assets packet,
Ensure the income of assets packet, financial institution is when releasing assets packet, by the loaning bill side as loaning bill planned number in assets packet according to wind
Dangerous grade is classified, and sets reference accounting section of each risk class in assets packet according to prospective earnings.Such as according to
Risk class is A, B, C three classes from bottom to high score, and the risk class of A classes is minimum, i.e., A classes loaning bill side has minimum loaning bill wind
Danger is high-quality loaning bill side；The risk class of B classes takes second place, and B classes loaning bill side has higher loaning bill risk, is medium loaning bill side；C
The risk class of class is minimum, and C classes loaning bill side has highest loaning bill risk, is ordinary loan side.In the risk for determining loaning bill side
After rating-type, it is also necessary to determine reference accounting section of the risk class of this each type in assets packet.Such as in above-mentioned reality
It applies in example, set accounting of the class loaning bill sides A in assets packet is as accounting of the class loaning bill sides 50%~60%, B in assets packet
Accounting of the class loaning bill side 30%~40%, C in assets packet is 5%~10%, to when the access application for receiving loaning bill side
When, according to the accounting of risk class type and risk class type where loaning bill side, judge whether loaning bill side can access money
Production packet.In addition, assets packet is also set with standard number of packages and standard component is required to, it is more that standard number of packages indicates that this assets packet is expected lending
Few pen is borrowed money, and standard component then indicates every borrowing balance average value of expected lending stroke count.If assets packet total amount is 1000
Ten thousand, it borrows money it is expected that lending 100, then the amount of money average out to 100,000 of every loaning bill, this 100 as standard numbers of packages of borrowing money, 10
Ten thousand equal for standard component.It is given birth to according to the risk class type of this assets packet, with reference to accounting section, standard number of packages and standard component
At loaning bill side's access rules.When receiving the access application of loaning bill side's access assets packet, corresponding application is applied for according to access
Information judges the risk class of loaning bill side whether in the risk class type of assets packet, and the risk class of loaning bill side is providing
Whether the accounting in production packet, which reaches it, refers to the upper limit in accounting section, after loaning bill side is as loaning bill planned number access assets packet, to money
Production packet standard number of packages and the equal influence etc. of standard component judge that access applies for whether corresponding application information meets the side of loaninging bill and access
Rule.
Further, in the present invention is based on another embodiment of the method for making loans of assets packet, the step S20 judgements connect
Enter to apply that the step of whether corresponding application information meets loaning bill side's access rules includes：
Step S21 obtains the risk class of loaning bill side and the access corresponding to application information and applies in assets packet
The application number of packages of corresponding risk class；
Step S22 judges the risk class whether among risk class type, when the risk classifications are in the wind
When among dangerous rating-type, judge whether application information meets loaning bill side's access rules based on the application number of packages.
Specifically, it when receiving the access application of access assets packet of loaning bill terminal transmission, obtains and is borrowed in access application
The application information of money people is analyzed, such as the loan repayment capacity of borrower is analyzed by the assets volume of borrower, job specification, is led to
The identity information for crossing borrower determines refund credit of borrower etc., and the risk class of loaning bill side is obtained by multinomial analysis；And
The risk class obtained according to this counts application number of packages of such risk class in assets packet, to obtain in this access application
The risk class of loaning bill side corresponding to application information and access the application corresponding application number of packages in assets packet.Specifically, it borrows
Money side will access assets packet, it is necessary to fill in corresponding access application, access application includes the application information of loaning bill side, is such as borrowed money
The information such as people's identification card number, borrower's age, use of the loan, the assets of borrower under one's name.It is inquired and is borrowed money according to this application information
The credit record of side, and according to the risk class of credit record determination loaning bill side, as obtained the fiduciary loan of the side of loaning bill when inquiry
It is overdue to record more, then judge that the risk class of loaning bill side is higher.In addition, access application corresponds to risk class in assets packet
Application number of packages characterization is stroke count of the risk class corresponding to loaning bill side in application access assets packet loaning bill.Such as risk
Grade is the loaning bill side of D, has accessed 30 in assets packet, then when receiving the access application of these level again, then it is being provided
Corresponding application number of packages is 31 in production packet.After the risk class for getting loaning bill side and the application number of packages in assets packet,
Its risk class is judged whether among risk class type, that is, judges whether the risk class type in assets packet includes borrowing money
The risk class of side.If the risk class type of assets packet is M, N, K three classes, when it is N to determine the risk class of loaning bill side, then
It can determine that the risk class of loaning bill side among the risk class type of assets packet；And when the risk class for determining loaning bill side is L
When, then judge the risk class of loaning bill side not among the risk class type of assets packet.Only when the risk for judging loaning bill side
Grade is among the risk class type of assets packet, and just the basis by loaning bill side as access assets packet, carries out subsequently according to Shen
Please number of packages judge whether application information meets loaning bill side's access rules；Otherwise directly it is judged to not meeting loaning bill side's access rules,
Without access operation.
Further, in the present invention is based on another embodiment of the method for making loans of assets packet, the step S22 is based on institute
It states application number of packages and judges whether application information meets loaning bill side's access rules and include：
Step S221 judges to apply for the reference accounting area whether number of packages is less than corresponding risk class with the ratio of standard number of packages
Between maximum value；
Step S222, when application number of packages is less than the reference accounting section of corresponding risk class most with the ratio of standard number of packages
When big value, judge to apply for whether number of packages is less than default number of packages；
Step S223 judges to apply for whether the corresponding application part of number of packages is less than when applying for that number of packages is less than default number of packages
Standard component is equal；
Step S224, when the application part be respectively less than standard component it is equal when, judge that application information meets loaning bill side's access rules.
Further, when the risk class of loaning bill side is when among the risk class type of assets packet, judge to apply for part
Whether number is less than the maximum value in the reference accounting section of corresponding risk class with the ratio of standard number of packages.Apply for number of packages and standard component
Several ratio is used to indicate current real-time accounting of the risk class of loaning bill side in assets packet, the loaning bill side of such risk class
There is corresponding with reference to accounting section, the section formed for minimum value and maximum value with reference to accounting section in assets packet.It will be current
Real-time accounting with reference to accounting section compared with, when it is when less than the maximum value for referring to accounting section, then illustrate this in assets packet
Loaning bill side's number of packages of class risk class is less, can such loaning bill side be accessed assets packet, to reach the reference accounting in assets packet
Section.If the corresponding risk class of application information is A, the 50th be located in the application number of packages of A class risk class in assets packet
The standard number of packages of part, assets packet is 500, then accounting of the loaning bill side that risk class is A in assets packet is 10%, if money
The loaning bill side of A class risk class corresponding reference accounting section in assets packet is 20%~30% in production packet, i.e. assets packet is complete
After packing, the loaning bill side of A class risk class should account for 20%~30% of all loaning bill sides in assets packet.And it is currently only
10%, to the basis for accessing this loaning bill side.When judging to apply number of packages and the ratio of standard number of packages less than corresponding risk
When the maximum value in the reference accounting section of grade, i.e. assets packet have the loaning bill side basis for accessing such risk class, further
Judge to apply for whether number of packages is less than default number of packages.Understandably, assets packet is provided with that standard component is equal, i.e., every loaning bill is averaged
Value, and the borrowing balance of loaning bill side varies, it is flat when applying for that every borrowing balance of the side of loaning bill earlier is all higher than in access
When mean value, can make the borrowing balance of the side of loaninging bill for subsequently accessing application that average value be not achieved, thus the present embodiment be provided with it is default
Number of packages, for judging that it is whether equal less than standard component that the access application before presetting number of packages herein corresponds to borrowing balance.Work as judgement
When applying for that number of packages is less than default number of packages, it is equal further to judge whether the corresponding application part of application number of packages is less than standard component.Wherein
Apply for that part is used to indicate every borrowing balance average value of application number of packages, presets number of packages when application number of packages is less than, that is, apply for part
When number is the number of packages before default number of packages, judge to apply for whether the borrowing balance average value of number of packages is less than every borrowing balance and puts down
The standard amount of money of mean value.When application part is respectively less than, standard component is equal, that is, applies for that the borrowing balance average value of number of packages is less than every loaning bill
When the standard amount of money of amount of money average value, illustrate the loaning bill for applying for that the total borrowing balance of application of number of packages does not interfere with follow-up access application
Its corresponding loaning bill side is accessed assets packet by the amount of money to can determine that this application information meets loaning bill side's access rules.
Further, in the present invention is based on another embodiment of the method for making loans of assets packet, the judgement application
The maximum value step whether number of packages and the ratio of standard number of packages are less than the reference accounting section of corresponding risk class includes later：
Step S225, when reference accounting area of the application number of packages with the ratio of standard number of packages more than or equal to corresponding risk class
Between maximum value when, judge assets packet total application number of packages whether be more than standard number of packages；
Step S226 judges the corresponding total Shen of total application number of packages when total application number of packages of assets packet is more than standard number of packages
Please the amount of money whether be less than default total amount；
Step S227, when always the corresponding total apply amount of money of application number of packages is less than default total amount, obtain application number of packages and
The ratio of standard number of packages is less than the risk class that corresponding risk class refers to accounting section.
Further, when judging to apply that number of packages and the ratio of standard number of packages is not less than the reference of corresponding risk class and accounts for
Than the maximum value in section, that is, current real-time accounting of the risk class of the side of loaning bill in assets packet is more than it and is accounted in the reference of assets packet
Than the maximum value in section, then illustrates that loaning bill side's number of packages of such risk class in assets packet is more, such loaning bill side can not be connect
Enter assets packet.The loaning bill side of such risk class has met the needs of assets packet in assets packet at this time, need to judge in assets packet
The loaning bill side of other risk class whether meet demand.Specifically, judge whether total application number of packages of assets packet is more than standard component
Number, total application number of packages of assets packet are the summation that each risk class loaning bill side applies for number of packages.When always, application number of packages is less than standard
When number of packages, then illustrate that the loaning bill side that there is the risk class for being unsatisfactory for its demand in assets packet specifically can be according to each risk
Accounting of the grade in assets packet determines the risk class for being unsatisfactory for assets demand packet, to receive connecing for this risk class
When entering to apply, assets packet is accessed.When always application number of packages is more than standard number of packages, then illustrate that the standard number of packages of assets packet has been expired
Foot requires, and further judges that always whether the corresponding total application amount of money of application number of packages is less than default total amount for this, that is, accesses loaning bill side
Loaning bill total amount whether meet the requirement of assets packet.When always, the corresponding total application amount of money of application number of packages is not less than default total amount
When, then illustrate that the loaning bill total amount of loaning bill side meets the requirement of assets packet, the investor and loaning bill Fang Jun in assets packet have raised
At.And when always the corresponding total application amount of money of application number of packages is less than default total amount, then illustrate that the loaning bill total amount of loaning bill side does not have
There is the requirement for reaching assets packet.It needs to be determined that do not reach the risk class of assets packet requirement, it specifically, can be according to each risk
Accounting of the grade in assets packet determines the risk class for being unsatisfactory for assets demand packet, obtains application number of packages and standard number of packages
Ratio is less than the risk class that corresponding risk class refers to accounting section, i.e. risk class accounting is less than it with reference to accounting section
Risk class, in the access application for receiving this risk class, to be accessed assets packet.To obtain application number of packages and mark
Include after the step of ratio of quasi- number of packages refers to the risk class in accounting section less than corresponding risk class：
Access is applied for corresponding loaning bill by step S228 when receiving access application corresponding with the risk class
The loaning bill planned number of Fang Zuowei assets packets accesses assets packet.
It is determining risk class of the risk class accounting less than it with reference to accounting section, that is, is being unsatisfactory for assets packet fund accounting
After the risk class of demand, when receiving the corresponding access application of this risk class, corresponding loaning bill is applied for into this access
The loaning bill planned number of Fang Zuowei assets packets is linked into assets packet, so that the risk class of the side of loaning bill is met the requirements in assets packet.In addition
When receiving multiple accesses application, and this multiple access application include meet assets packet fund accounting demand risk class and
It is unsatisfactory for the risk class of assets packet fund accounting demand, then will preferentially be unsatisfactory for the risk class of assets packet fund accounting demand
Corresponding access application is linked into assets packet, to reach the demand of each risk class in assets packet.
With reference to Fig. 3, Fig. 3 is the apparatus structure schematic diagram for the hardware running environment that present invention method is related to.
Make loans device of the embodiment of the present invention based on assets packet can be PC, can also be smart mobile phone, tablet computer, electricity
Philosophical works reader, MP3 (Moving Picture Experts Group Audio Layer III, dynamic image expert compression
Standard audio level 3) player, MP4 (Moving Picture Experts Group Audio Layer IV, dynamic image
Expert's compression standard audio level 4) terminal devices such as player, pocket computer.
As shown in figure 3, the device of making loans based on assets packet may include：Processor 1001, such as CPU, memory
1005, communication bus 1002.Wherein, communication bus 1002 is logical for realizing the connection between processor 1001 and memory 1005
Letter.Memory 1005 can be high-speed RAM memory, can also be stable memory (non-volatile memory), example
Such as magnetic disk storage.Memory 1005 optionally can also be the storage device independently of aforementioned processor 1001.
Optionally, can also should include user interface, network interface, camera, RF based on the device of making loans of assets packet
(Radio Frequency, radio frequency) circuit, sensor, voicefrequency circuit, WiFi module etc..User interface may include display
Shield (Display), input unit such as keyboard (Keyboard), optional user interface can also include standard wireline interface,
Wireless interface.Network interface may include optionally standard wireline interface and wireless interface (such as WI-FI interface).
It will be understood by those skilled in the art that the apparatus structure of making loans based on assets packet shown in Fig. 3 is not constituted pair
The restriction of device of making loans based on assets packet may include components more more or fewer than diagram, or combine certain components, or
The different component arrangement of person.
As shown in figure 3, as may include that operating system, network are logical in a kind of memory 1005 of computer storage media
Believe module and the program of making loans based on assets packet.Operating system be management and control based on assets packet make loans device hardware and
The program of software resource supports the operation of make loans program and other softwares and/or program based on assets packet.Network communication mould
Block for realizing the communication between each component in the inside of memory 1005, and with other hardware in the device of making loans based on assets packet
It is communicated between software.
In device of making loans based on assets packet shown in Fig. 3, processor 1001 is stored for executing in memory 1005
The program of making loans based on assets packet, realize following steps：
According to total amount number is preset in assets packet, investment planned number of the investor as assets packet of investment rules will be met
Access assets packet；
When receiving the access application of access assets packet of loaning bill terminal transmission, judge that corresponding letter of application is applied in access
Whether breath meets loaning bill side's access rules；
When the application information meets loaning bill side's access rules, apply corresponding loaning bill side as assets packet access
Loaning bill planned number accesses assets packet, and is made loans to loaning bill side according to access application.
Further, it is described judge access apply the step of whether corresponding application information meets loaning bill side's access rules it
Before, processor 1001 realizes following steps for executing the program of making loans based on assets packet stored in memory 1005：
Determine that the risk class for the risk class type and each type that loaning bill planned number corresponds to loaning bill side in assets packet exists
Reference accounting section in assets packet；
Obtain assets packet standard number of packages and standard component it is equal, and according to the risk class type, with reference to accounting section,
Standard number of packages and standard component are equal, generate loaning bill side's access rules.
Further, described to judge that access applies for that the step of whether corresponding application information meets loaning bill side's access rules wraps
It includes：
It obtains the risk class of loaning bill side corresponding to application information and access application corresponds to risk in assets packet
The application number of packages of grade；
The risk class is judged whether among risk class type, when the risk class is in the risk class class
When among type, judge whether application information meets loaning bill side's access rules based on the application number of packages.
Further, described that the step of whether application information meets loaning bill side's access rules is judged based on the application number of packages
Including：
Judge the maximum in the reference accounting section for applying for whether number of packages is less than corresponding risk class with the ratio of standard number of packages
Value；
When the maximum value in the reference accounting section that application number of packages is less than corresponding risk class with the ratio of standard number of packages, sentence
Whether disconnected application number of packages is less than default number of packages；
When applying for that number of packages is less than default number of packages, judge to apply for whether the corresponding application part of number of packages is equal less than standard component；
When the application part be respectively less than standard component it is equal when, judge that application information meets loaning bill side's access rules.
Further, described to judge to apply for whether the reference less than corresponding risk class accounts for number of packages with the ratio of standard number of packages
After the maximum value step in section, processor 1001 is for executing the journey of making loans based on assets packet stored in memory 1005
Sequence realizes following steps：
When maximum of the application number of packages with the ratio of standard number of packages more than or equal to the reference accounting section of corresponding risk class
When value, judge whether total application number of packages of assets packet is more than standard number of packages；
When total application number of packages of assets packet is more than standard number of packages, whether the corresponding total application amount of money of total application number of packages is judged
Less than default total amount；
When always the corresponding total application amount of money of application number of packages is less than default total amount, application number of packages and standard number of packages are obtained
Ratio is less than the risk class that corresponding risk class refers to accounting section.
Further, the acquisition application number of packages is less than corresponding risk class with reference to accounting section with the ratio of standard number of packages
Risk class the step of after, processor 1001 is for executing the journey of making loans based on assets packet stored in memory 1005
Sequence realizes following steps：
When receiving access application corresponding with the risk class, access is applied for that corresponding loaning bill side is used as assets
The loaning bill planned number of packet accesses assets packet.
Further, described the step of being made loans to loaning bill side according to access application, includes：
In preset time, judge whether loaning bill side's loaning bill total amount number of access and default total amount number correspond to；
The loaning bill name of assets packet is judged when the loaning bill side of access loaning bill total amount number and default total amount number are to corresponding to
Volume has been expired, and is carried out package operation to assets packet, is applied making loans to loaning bill side according to the access of the side of loaning bill in assets packet.
Further, described when the loaning bill side of access loaning bill total amount number and equal default total amount number, judgement
The quota has been filled for the loaning bill of assets packet, and before the step of carrying out package operation to assets packet, processor 1001 is for executing memory
The program of making loans based on assets packet stored in 1005 realizes following steps：
When receiving the cancellation request for cancelling access application, access application corresponding to cancellation request is cancelled, and
Access is applied for that corresponding loaning bill side is deleted from the loaning bill planned number of assets packet.
The present invention is based on make loans device specific implementation mode and the above-mentioned each realities of method of making loans based on assets packet of assets packet
It is essentially identical to apply example, details are not described herein.
The present invention provides a kind of computer readable storage medium, the computer-readable recording medium storage there are one or
More than one program of person, the one or more programs can also be executed by one or more than one processor with
In：
According to total amount number is preset in assets packet, investment planned number of the investor as assets packet of investment rules will be met
Access assets packet；
When receiving the access application of access assets packet of loaning bill terminal transmission, judge that corresponding letter of application is applied in access
Whether breath meets loaning bill side's access rules；
When the application information meets loaning bill side's access rules, apply corresponding loaning bill side as assets packet access
Loaning bill planned number accesses assets packet, and is made loans to loaning bill side according to access application.
Further, it is described judge access apply the step of whether corresponding application information meets loaning bill side's access rules it
Before, the one or more programs can also be executed by one or more than one processor for：
Determine that the risk class for the risk class type and each type that loaning bill planned number corresponds to loaning bill side in assets packet exists
Reference accounting section in assets packet；
Obtain assets packet standard number of packages and standard component it is equal, and according to the risk class type, with reference to accounting section,
Standard number of packages and standard component are equal, generate loaning bill side's access rules.
Further, described to judge that access applies for that the step of whether corresponding application information meets loaning bill side's access rules wraps
It includes：
It obtains the risk class of loaning bill side corresponding to application information and access application corresponds to risk in assets packet
The application number of packages of grade；
The risk class is judged whether among risk class type, when the risk class is in the risk class class
When among type, judge whether application information meets loaning bill side's access rules based on the application number of packages.
Further, described that the step of whether application information meets loaning bill side's access rules is judged based on the application number of packages
Including：
Judge the maximum in the reference accounting section for applying for whether number of packages is less than corresponding risk class with the ratio of standard number of packages
Value；
When the maximum value in the reference accounting section that application number of packages is less than corresponding risk class with the ratio of standard number of packages, sentence
Whether disconnected application number of packages is less than default number of packages；
When applying for that number of packages is less than default number of packages, judge to apply for whether the corresponding application part of number of packages is equal less than standard component；
When the application part be respectively less than standard component it is equal when, judge that application information meets loaning bill side's access rules.
Further, described to judge to apply for whether the reference less than corresponding risk class accounts for number of packages with the ratio of standard number of packages
After the maximum value step in section, the one or more programs can also be by one or more than one processor
Execute for：
When maximum of the application number of packages with the ratio of standard number of packages more than or equal to the reference accounting section of corresponding risk class
When value, judge whether total application number of packages of assets packet is more than standard number of packages；
When total application number of packages of assets packet is more than standard number of packages, whether the corresponding total application amount of money of total application number of packages is judged
Less than default total amount；
When always the corresponding total application amount of money of application number of packages is less than default total amount, application number of packages and standard number of packages are obtained
Ratio is less than the risk class that corresponding risk class refers to accounting section.
Further, the acquisition application number of packages is less than corresponding risk class with reference to accounting section with the ratio of standard number of packages
Risk class the step of after, the one or more programs can also be held by one or more than one processor
Row for：
When receiving access application corresponding with the risk class, access is applied for that corresponding loaning bill side is used as assets
The loaning bill planned number of packet accesses assets packet.
Further, described the step of being made loans to loaning bill side according to access application, includes：
In preset time, judge whether loaning bill side's loaning bill total amount number of access and default total amount number correspond to；
The loaning bill name of assets packet is judged when the loaning bill side of access loaning bill total amount number and default total amount number are to corresponding to
Volume has been expired, and is carried out package operation to assets packet, is applied making loans to loaning bill side according to the access of the side of loaning bill in assets packet.
Further, described when the loaning bill side of access loaning bill total amount number and equal default total amount number, judgement
The quota has been filled for the loaning bill of assets packet, to assets packet carry out package operation the step of before, the one or more programs
Can also be executed by one or more than one processor for：
When receiving the cancellation request for cancelling access application, access application corresponding to cancellation request is cancelled, and
Access is applied for that corresponding loaning bill side is deleted from the loaning bill planned number of assets packet.
Computer readable storage medium specific implementation mode of the present invention is respectively implemented with the above-mentioned method of making loans based on assets packet
Example is essentially identical, and details are not described herein.
It should also be noted that, herein, the terms "include", "comprise" or its any other variant are intended to non-
It is exclusive to include, so that process, method, article or device including a series of elements include not only those elements,
But also include other elements that are not explicitly listed, or further include solid by this process, method, article or device
Some elements.In the absence of more restrictions, the element limited by sentence "including a ...", it is not excluded that including
There is also other identical elements in the process of the element, method, article or device.
The embodiments of the present invention are for illustration only, can not represent the quality of embodiment.
Through the above description of the embodiments, those skilled in the art can be understood that above-described embodiment side
Method can add the mode of required general hardware platform to realize by software, naturally it is also possible to by hardware, but in many cases
The former is more preferably embodiment.Based on this understanding, technical scheme of the present invention substantially in other words does the prior art
Going out the part of contribution can be expressed in the form of software products, which is stored in one as described above
In storage medium (such as ROM/RAM, magnetic disc, CD), including some instructions use so that a station terminal equipment (can be mobile phone,
Computer, server or network equipment etc.) execute method described in each embodiment of the present invention.
The foregoing is merely the preferred embodiment of the present invention, are not intended to limit the scope of the invention, every at this
Under the design of invention, using equivalent structure transformation made by description of the invention and accompanying drawing content, or directly/it is used in it indirectly
His relevant technical field is included in the scope of patent protection of the present invention.
Claims (10)
1. a kind of method of making loans based on assets packet, which is characterized in that the method for making loans based on assets packet includes following step
Suddenly：
According to total amount number is preset in assets packet, the investor for meeting investment rules is accessed as the investment planned number of assets packet
Assets packet；
When receiving the access application of access assets packet of loaning bill terminal transmission, judge that access applies for that corresponding application information is
It is no to meet loaning bill side's access rules；
When the application information meets loaning bill side's access rules, loaning bill of the corresponding loaning bill side as assets packet is applied for into access
Planned number accesses assets packet, and is made loans to loaning bill side according to access application.
2. the method for making loans based on assets packet as described in claim 1, which is characterized in that the judgement access application is corresponding
Whether application information met before the step of loaning bill side's access rules：
Determine that loaning bill planned number corresponds to the risk class type of loaning bill side and the risk class of each type in assets in assets packet
Reference accounting section in packet；
Obtain assets packet standard number of packages and standard component it is equal, and according to the risk class type, with reference to accounting section, standard
Number of packages and standard component are equal, generate loaning bill side's access rules.
3. the method for making loans based on assets packet as claimed in claim 2, which is characterized in that the judgement access application is corresponding
Whether application information, which meets the step of loaning bill side's access rules, includes：
It obtains the risk class of loaning bill side corresponding to application information and access application corresponds to risk class in assets packet
Application number of packages；
Judge the risk class whether among risk class type, when the risk class the risk class type it
When middle, judge whether application information meets loaning bill side's access rules based on the application number of packages.
4. the method for making loans based on assets packet as claimed in claim 3, which is characterized in that described to be sentenced based on the application number of packages
Whether disconnected application information, which meets the step of loaning bill side's access rules, includes：
Judge the maximum value in the reference accounting section for applying for whether number of packages is less than corresponding risk class with the ratio of standard number of packages；
When the maximum value in the reference accounting section that application number of packages is less than corresponding risk class with the ratio of standard number of packages, Shen is judged
Please number of packages whether be less than default number of packages；
When applying for that number of packages is less than default number of packages, judge to apply for whether the corresponding application part of number of packages is equal less than standard component；
When the application part be respectively less than standard component it is equal when, judge that application information meets loaning bill side's access rules.
5. the method for making loans based on assets packet as claimed in claim 4, which is characterized in that the judgement application number of packages and standard
The ratio of number of packages whether include after the maximum value step in the reference accounting section for being less than corresponding risk class：
When the maximum value in the reference accounting section that application number of packages is greater than or equal to corresponding risk class with the ratio of standard number of packages,
Judge whether total application number of packages of assets packet is more than standard number of packages；
When total application number of packages of assets packet is more than standard number of packages, judge whether the corresponding total application amount of money of total application number of packages is less than
Default total amount；
When always the corresponding total application amount of money of application number of packages is less than default total amount, the ratio of application number of packages and standard number of packages is obtained
Less than the risk class that corresponding risk class refers to accounting section.
6. the method for making loans based on assets packet as claimed in claim 5, which is characterized in that the acquisition application number of packages and standard
Include after the step of ratio of number of packages refers to the risk class in accounting section less than corresponding risk class：
When receiving access application corresponding with the risk class, apply corresponding loaning bill side as assets packet access
Loaning bill planned number accesses assets packet.
7. the method for making loans as claimed in any one of claims 1 to 6 based on assets packet, which is characterized in that described according to access Shen
The step of please being made loans to loaning bill side include：
In preset time, judge whether loaning bill side's loaning bill total amount number of access and default total amount number correspond to；
The loaning bill planned number of assets packet is judged when the loaning bill side of access loaning bill total amount number and default total amount number are to corresponding to
It is full, package operation is carried out to assets packet, applies making loans to loaning bill side according to the access of the side of loaning bill in assets packet.
8. the method for making loans based on assets packet as claimed in claim 7, which is characterized in that described when the loaning bill side of access borrows money
When total amount number and equal default total amount number, the quota has been filled for the loaning bill of judgement assets packet, and package behaviour is carried out to assets packet
Include before the step of making：
When receiving the cancellation request for cancelling access application, access application corresponding to cancellation request is cancelled, and will connect
Enter to apply that corresponding loaning bill side is deleted from the loaning bill planned number of assets packet.
9. a kind of device of making loans based on assets packet, which is characterized in that the device of making loans based on assets packet includes：Storage
Device, processor, communication bus and the program of making loans based on assets packet being stored on the memory；
The communication bus is for realizing the connection communication between processor and memory；
The processor is for executing the program of making loans based on assets packet, to realize such as any one of claim 1-8 institutes
State based on assets packet make loans method the step of.
10. a kind of computer readable storage medium, which is characterized in that the computer class is read to be stored with based on money on storage medium
The program of making loans for producing packet is realized when the program of making loans based on assets packet is executed by processor as any in claim 1-8
Described in based on assets packet make loans method the step of.
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| CN201710933039.2A CN108335190A (en) | 2017-10-09 | 2017-10-09 | Make loans method, apparatus and computer readable storage medium based on assets packet |
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| CN201710933039.2A CN108335190A (en) | 2017-10-09 | 2017-10-09 | Make loans method, apparatus and computer readable storage medium based on assets packet |
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