CN115170299B - Credit risk control method, device, terminal equipment and computer medium - Google Patents
Credit risk control method, device, terminal equipment and computer medium Download PDFInfo
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Abstract
The invention discloses a method and a device for controlling a creditor risk, a terminal device and a computer medium, which relate to the technical field of data processing and comprise the following steps: acquiring asset information of a target mortgage asset, and generating a mortgage asset digital identifier corresponding to the target mortgage asset according to the asset information; deploying the digital identification of the mortgage assets to a preset target block chain, and carrying out valuation calculation on the target mortgage assets to obtain initial first future values corresponding to the target mortgage assets; detecting the initial first future value to obtain a value change trend of the initial first future value, and updating the initial first future value according to the value change trend to obtain a real-time first future value corresponding to the initial first future value; judging whether the real-time first future value is lower than a preset first value estimation threshold value or not; and if so, transferring the digital identification of the mortgage assets to a clearing node in the target block chain through the target block chain.
Description
Technical Field
The present invention relates to the field of data processing technologies, and in particular, to a method and an apparatus for controlling an entitlement risk, a terminal device, and a computer-readable storage medium.
Background
With the increase of financing demand of enterprises and individuals in life, enterprises or individuals serving as lenders often need to mortgage a certain amount of real estate as mortgages to lenders capable of providing financing, and the lenders are often in a risk state of having bad debt rights at any time because the mortgages cannot be quickly cash-out when facing the mortgages with high value fluctuation, namely the real estate.
However, in the current situation that the lender is exposed to the risk of bad credit right at any time, the lender can only adopt a mode of enhancing the auditing of the financial situation and cash flow reserve of the lender to control the risk degree of the credit right, but the adoption of the mode can only ensure that the lender is compliant at the moment of providing financing and cannot handle the situation that the credit right risk is increased when the value of the collateral fluctuates, so that the existing management method for the credit right risk cannot effectively control the credit right risk.
Disclosure of Invention
The embodiment of the invention provides a method, a device, a terminal device and a computer readable storage medium for controlling the risk of the creditor, aiming at controlling the risk degree of the creditor and further reducing the occurrence frequency of bad accounts.
The invention provides a method for controlling a credit risk, which comprises the following steps:
acquiring asset information of a target mortgage asset, and generating a mortgage asset digital identifier corresponding to the target mortgage asset according to the asset information;
deploying the digital identification of the mortgage asset to a preset target block chain, and performing valuation calculation on the target mortgage asset to obtain an initial first future value corresponding to the target mortgage asset;
detecting the initial first future value to obtain a value change trend of the initial first future value, and updating the initial first future value according to the value change trend to obtain a real-time first future value corresponding to the initial first future value;
judging whether the real-time first future value is lower than a preset first value evaluation threshold value or not;
and if so, transferring the digital identification of the mortgage assets to a liquidation node in the target block chain through the target block chain.
Further, the step of performing valuation calculation on the target mortgage asset to obtain an initial first future value corresponding to the target mortgage asset includes:
determining other related assets corresponding to the target mortgage asset;
and calculating the future valuation of the target mortgage asset according to each of the other related assets and a preset valuation age to obtain an initial first future value.
Further, the step of calculating the future valuation of the target mortgage asset to an initial first future value based on each of the other related assets and a preset valuation age includes:
acquiring a first past value trend of the target mortgage asset according to a preset valuation age limit, and acquiring a first past price range of the target mortgage asset according to the first past value trend;
obtaining a second past value trend of each other related asset according to the valuation age, and obtaining a second past price range of each other related asset according to each second past value trend;
and obtaining an initial first future value according to the first past value trend, the first past price range, each second past value trend, each second past price range and a preset risk factor value.
Further, the step of transferring the digital identity of the mortgage asset to a clearing node within the target block chain via the target block chain comprises:
obtaining a preset discount rate through the target block chain, and calculating according to the discount rate and the current value of the digital identification of the mortgage asset to obtain a discount value corresponding to the digital identification of the mortgage asset;
transferring the digital identification of the mortgage assets to a clearing node through the target block chain according to the discount value, and acquiring the assets on the chain corresponding to the discount value transferred by the clearing node through the target block chain.
Further, the method further comprises:
determining a target cash-out rate according to the digital identity of the mortgage asset;
and marking target rental assets in the rental assets which are lent to the rental terminal according to the target cash-out rate, and determining the target rental assets as guaranteed assets.
Further, the step of determining a target cash-out ratio according to the digital identity of the mortgage asset comprises:
acquiring a preset asset liquidity database, wherein the asset liquidity database comprises various asset types and liquidity coefficients corresponding to the asset types;
determining a target asset type corresponding to the digital identification of the mortgage asset, and determining a target liquidity coefficient corresponding to the target asset type in the liquidity database;
and determining a target improvement ratio according to the target fluidity coefficient.
Further, the method further comprises:
judging whether the real-time first future value is lower than a preset second value estimation threshold value or not; wherein the second value evaluation threshold should be higher than the first value evaluation threshold;
if the real-time first future value is judged to be lower than the second price valuation threshold value, acquiring financial data corresponding to a leasing terminal, and calculating to obtain cash flow data according to the financial data;
and when the cash flow data is smaller than a preset cash flow threshold value, acquiring preset clearing warning information and sending the clearing warning information to a leasing terminal.
In addition, to achieve the above object, the present invention provides a device for controlling risk of liability, the device comprising:
the system comprises an asset manufacturing module, a target mortgage asset generating module and a target mortgage asset generating module, wherein the asset manufacturing module is used for acquiring all asset information of the target mortgage asset and generating a mortgage asset digital identifier corresponding to the target mortgage asset according to all the asset information;
the asset valuation module is used for deploying the digital identification of the mortgage asset to a preset target block chain and carrying out valuation calculation on the target mortgage asset to obtain an initial first future value corresponding to the target mortgage asset;
the valuation updating module is used for detecting the initial first future value to obtain a value change trend of the initial first future value and updating the initial first future value according to the value change trend to obtain a real-time first future value corresponding to the initial first future value;
the valuation comparison module is used for judging whether the real-time first future value is lower than a preset first value valuation threshold value or not;
and the creditor clearing module is used for transferring the digital identification of the mortgage assets to clearing nodes in the target block chain through the target block chain if the real-time first future value is judged to be lower than the first price valuation threshold value.
In addition, to achieve the above object, the present invention also provides a terminal device, including: the system comprises a memory, a processor and a control program of the credit risk, wherein the control program of the credit risk is stored on the memory and can run on the processor, and the control program of the credit risk realizes the steps of the control method of the credit risk when being executed by the processor.
In addition, in order to achieve the above object, the present invention further provides a computer readable storage medium, on which a control program of the risk of credit is stored, and when executed by a processor, the control program of the risk of credit realizes the steps of the control method of the risk of credit as described above.
According to the method, the device, the terminal equipment and the computer readable storage medium for controlling the creditor risk, which are provided by the embodiment of the invention, the digital identification of the mortgage assets corresponding to the target mortgage assets is generated by acquiring the asset information of the target mortgage assets and according to the asset information; deploying the digital identification of the mortgage asset to a preset target block chain, and performing valuation calculation on the target mortgage asset to obtain an initial first future value corresponding to the target mortgage asset; detecting the initial first future value to obtain a value change trend of the initial first future value, and updating the initial first future value according to the value change trend to obtain a real-time first future value corresponding to the initial first future value; judging whether the real-time first future value is lower than a preset first value estimation threshold value or not; and if so, transferring the digital identification of the mortgage asset to a clearing node in the target block chain through the target block chain.
In this embodiment, during the operation of the terminal device, first obtaining asset information corresponding to a target mortgage asset provided by a lease terminal, inputting the asset information into a code generating device built in the terminal device, generating a mortgage asset digital identifier corresponding to the target mortgage asset by the code generating device according to the asset information, then deploying the mortgage asset digital identifier to a target block chain by the terminal device, calling a data processing device in the terminal device to perform valuation calculation on the target mortgage asset to obtain an initial first future value corresponding to the target mortgage asset, then detecting the initial first future value by the terminal device to obtain a value change trend corresponding to the initial first future value, updating the initial first future value according to the value change trend to obtain a real-time first future value, simultaneously reading a storage device by the terminal device to obtain a preset first value valuation, inputting the real-time first value and the first future value into the terminal device, and comparing the current first value with the target value of the terminal device to obtain a discount, and determining whether the discount is lower than the target value of the discount when the target mortgage value is lower than the discount, and the target value calculated by the discount calculated by the terminal device, and comparing the target mortgage data with the target mortgage data, and determining whether the discount rate of the target mortgage data when the target mortgage data is lower than the target mortgage data in the target block chain, and transferring the digital identification of the mortgage assets to the liquidation node according to the discount value so as to end the creditor relationship between the lending user corresponding to the terminal equipment and the lending user corresponding to the lending terminal.
Therefore, the method generates the digital identification of the mortgage assets corresponding to the target mortgage objects, deploys the digital assets to the target block chain, calculates and updates the future valuation of the target mortgage objects and compares the obtained real-time future value with the preset value valuation threshold value, and finishes the settlement through the settlement node when the real-time future value is determined to be lower than the value valuation threshold value so as to finish the creditor relationship between the renter and the renter, so that the risk degree of the creditor can be controlled, and the technical effect of reducing the occurrence frequency of bad accounts is achieved.
Drawings
Fig. 1 is a schematic structural diagram of a terminal device in a hardware operating environment according to an embodiment of the present invention;
fig. 2 is a flowchart illustrating a method for controlling risk of liability according to a first embodiment of the present invention;
fig. 3 is a flowchart illustrating a method for controlling risk of liability according to a second embodiment of the present invention;
fig. 4 is a flowchart illustrating a third embodiment of the method for controlling risk of liability according to the present invention;
fig. 5 is a schematic diagram of functional modules involved in an embodiment of the method for controlling risk of claim.
The implementation, functional features and advantages of the objects of the present invention will be further explained with reference to the accompanying drawings.
Detailed Description
It should be understood that the specific embodiments described herein are merely illustrative of the invention and are not intended to limit the invention.
Referring to fig. 1, fig. 1 is a schematic structural diagram of a terminal device in a hardware operating environment according to an embodiment of the present invention.
The terminal device targeted by the embodiment of the present invention may be a Personal Computer (PC) with a windows system integrated therein as an operating system, and of course, the terminal device may also be other fixed terminal devices such as a server, or mobile terminal devices such as a mobile phone and a tablet.
As shown in fig. 1, the terminal device may include: a processor 1001, such as a Central Processing Unit (CPU), a communication bus 1002, a user interface 1003, a network interface 1004, and a memory 1005. Wherein a communication bus 1002 is used to enable connective communication between these components. The user interface 1003 may include a Display (Display), an input unit such as a Keyboard (Keyboard), and the optional user interface 1003 may also include a standard wired interface, a wireless interface. The network interface 1004 may optionally include a standard wired interface, a WIreless interface (e.g., a WIreless-FIdelity (WI-FI) interface). The Memory 1005 may be a Random Access Memory (RAM) Memory, or may be a Non-Volatile Memory (NVM), such as a disk Memory. The memory 1005 may alternatively be a storage device separate from the processor 1001.
Those skilled in the art will appreciate that the configuration shown in fig. 1 does not constitute a limitation of the terminal device and may include more or fewer components than those shown, or some components may be combined, or a different arrangement of components.
As shown in fig. 1, a memory 1005, which is a storage medium, may include an operating system, a data storage module, a network communication module, a user interface module, and a control program for creditor risk.
In the terminal device shown in fig. 1, the network interface 1004 is mainly used for data communication with other devices; the user interface 1003 is mainly used for data interaction with a user; the processor 1001 and the memory 1005 in the terminal device of the present invention may be disposed in the terminal device, and the terminal device calls the control program of the creditor risk stored in the memory 1005 through the processor 1001 and executes the method for controlling the creditor risk provided by the embodiment of the present invention.
Based on the terminal device, various embodiments of the method for controlling the risk of the creditor right are provided.
Referring to fig. 2, fig. 2 is a flowchart illustrating a method for controlling risk of liability according to a first embodiment of the present invention.
It should be understood that although a logical order is shown in the flow chart, in some cases, the inventive method of controlling claim risk may of course perform the steps shown or described in a different order than here.
In this embodiment, the method for controlling risk of credit according to the present invention may include the following steps:
step S10: acquiring asset information of a target mortgage asset, and generating a mortgage asset digital identifier corresponding to the target mortgage asset according to the asset information;
in this embodiment, when a terminal device is running, first, a creditor relationship between a lending user and a lending user bound to the terminal device is obtained, the terminal device determines asset information of a target mortgage asset according to the creditor relationship, the terminal device inputs the asset information into a code generation device built in the terminal device, and the code generation device generates a digital identity of the mortgage asset corresponding to the target mortgage asset according to the asset information.
For example, when the terminal device is running, first, a creditor relationship between a lending user and a lending user bound to the terminal device is obtained, the terminal device determines a target mortgage asset according to the creditor relationship, when the target mortgage asset is a house, the terminal device obtains area information, unit price information, house age and other information corresponding to the target house as the asset information, and inputs each asset information to the code generating device, and the code generating device generates a digital identifier of the mortgage asset corresponding to the target house based on each mortgage information.
Step S20: deploying the digital identification of the mortgage asset to a preset target block chain, and performing valuation calculation on the target mortgage asset to obtain an initial first future value corresponding to the target mortgage asset;
in this embodiment, a terminal device is linked with a target block chain specified by the lending user, and deploys the generated digital identifier of the mortgage asset to the target block chain, and the terminal device invokes a data processing device configured in the terminal device to perform valuation calculation on the target mortgage asset to obtain an initial first future value corresponding to the target mortgage asset.
For example, the terminal device first determines a target block chain address specified by the contact user, and links the target block chain address into the target block chain according to the target block chain address, and at the same time, the terminal device deploys the generated digital identity of the mortgage asset on the target block chain, and then, the terminal device inputs each piece of mortgage information corresponding to the target house and each piece of related asset information of each other related house asset corresponding to the target house into the data processing device, and the data processing device performs valuation calculation on the target house according to each piece of mortgage information and each piece of related asset information to obtain an initial first future value x corresponding to the target house.
Further, in a possible embodiment, the step of "performing valuation calculation on the target mortgage asset to obtain an initial first future value corresponding to the target mortgage asset" in the step S20 may specifically include:
step S201: determining other related assets corresponding to the target mortgage asset;
in this embodiment, the terminal device first determines each other related asset corresponding to the target mortgage asset according to the creditability relationship, and calculates the related asset value corresponding to each other related asset according to the related asset information corresponding to each other related asset.
Step S202: calculating the future valuation of the target mortgage assets according to the other related assets and a preset valuation age to obtain an initial first future value;
in this embodiment, the terminal device reads the storage device to obtain the estimated age specified by the renting user, inputs the estimated age to the data processing device, and calculates the future estimated value of the target mortgage asset according to the estimated age and each of the related asset values by the data processing device to obtain the initial first future value.
For example, the terminal device first determines each other related house in a certain area corresponding to the target house according to the creditor relationship, and meanwhile, the terminal device obtains related asset information such as a house property value, a house property area, a house property age and the like corresponding to each other related house on a third-party public platform, and further determines a related asset value y corresponding to each other related house, and then, the terminal device reads the storage device to obtain the estimated year limit, inputs the estimated year limit to the data processing device, and the data processing device calculates future estimated values of the target mortgage asset according to the estimated year limit and by combining with each related asset value y to obtain an initial first future value x corresponding to the target mortgage asset.
Further, in a possible embodiment, the step S202 may specifically include:
step S2021: acquiring a first past value trend of the target mortgage asset according to a preset valuation age limit, and acquiring a first past price range of the target mortgage asset according to the first past value trend;
in this embodiment, the terminal device determines a first past value trend of the target mortgage asset according to the obtained valuation year, and determines maximum value data and minimum value data in the first past value trend, so as to obtain a first past price range corresponding to the target mortgage asset.
Step S2022: obtaining a second past value trend of each other related asset according to the valuation age, and obtaining a second past price range of each other related asset according to each second past value trend;
in this embodiment, the terminal device determines a second past value trend of each of the other related assets according to the obtained valuation year, and determines maximum value data and minimum value data in each of the second past value trends, thereby obtaining a second past price range of each of the related assets.
Step S2023: obtaining an initial first future value according to the first past value trend, the first past price range, each second past value trend, each second past price range and a preset risk factor value;
in this embodiment, the terminal device reads the storage device to obtain a preset risk factor value, and inputs the obtained first past value trend, the first past value range, each second past value trend, each second past value range, and the risk factor value into a data processing device built in the terminal device, and the data processing device calculates the initial first future value.
Illustratively, for example, the terminal device determines a price trend range to be checked according to the obtained estimated age limit, that is, when the estimated age limit is 2, the terminal device checks the value trend of the target house within 2 years through the third-party information checking platform specified by the lending user and generates the first past value trend, and at the same time, the terminal device determines the maximum value data and the minimum value data in the past first value trend and further determines the first past value range corresponding to the target mortgage asset, and the terminal device checks the price trends of the other related houses within 2 years through the third-party information checking platform and generates the second past value trends, the terminal device determines the maximum value data and the minimum value data in each second past value trend respectively in each second past value trend so as to determine the corresponding second past value range of each other related property within 2 years, then the terminal device reads the storage device to obtain the risk factor value, then the terminal device inputs the obtained first past value trend, the first past value range, each second past value trend, each second past value range and the risk factor value into the data processing device, and the data processing device calculates the initial first future value x according to the first past value trend, the first past value range, each second past value trend, each second past value range and the risk factor value through a preset room price estimation model.
Step S30: detecting the initial first future value to obtain a value change trend of the initial first future value, and updating the initial first future value according to the value change trend to obtain a real-time first future value corresponding to the initial first future value;
illustratively, for example, the terminal device reads the storage device to obtain a preset detection update frequency t, detects the value change trend Δ X corresponding to the initial first future value according to the detection update frequency t, and updates the initial first future value X according to the detected value change trend Δ X to obtain a real-time first future value X corresponding to the initial first future value X.
Step S40: judging whether the real-time first future value is lower than a preset first value estimation threshold value or not;
in this embodiment, the terminal device reads the storage device to obtain a preset first price estimation threshold, inputs the first price estimation threshold and the obtained real-time first future value into a data comparison device built in the terminal device, and determines whether the real-time first future value is lower than the first price estimation threshold by the data comparison device.
Illustratively, for example, the terminal device reads the storage device to obtain the first price estimate threshold a specified by the lending user, inputs the first price estimate threshold a and the obtained real-time first future value X to the data comparison device, compares the real-time first future value X with the first price estimate threshold a by the data comparison device, and determines whether the real-time first future value X is smaller than the first price estimate threshold a.
It should be noted that, in this embodiment, the first price estimation threshold a may be a fixed value such as a total house value, or may be a proportional value, for example, when the first price estimation threshold is 70%, the terminal device inputs the real-time first future value X and the first price estimation threshold 70% into the data comparison device, the data comparison device first divides the real-time first future value X and the current value of the target house to obtain a current depreciation ratio corresponding to the target house, and then the data comparison device determines whether the current depreciation ratio is greater than 70% of the first price estimation threshold.
Step S50: if yes, transferring the digital identification of the mortgage assets to a liquidation node in the target block chain through the target block chain;
in this embodiment, if the terminal device determines that the real-time first future value is lower than the first price estimate threshold, the terminal device determines that a clearing trigger condition is satisfied, and sends a clearing request to the management node of the target block chain, the management node obtains a preset discount rate value through the target block chain, and calculates a discount value corresponding to the digital identity of the mortgage asset according to the discount rate value and the current value of the digital identity of the mortgage asset, and the terminal device transfers the digital identity of the mortgage asset to the clearing node in the target block chain according to the discount value through the target block chain so as to release the creditability relationship between the renter bound to the terminal device and the renter bound to the renter terminal.
Illustratively, for example, the terminal device receives the comparison result sent by the data comparison device, when the comparison result is that the real-time first future value X is smaller than the first value valuation threshold a, the terminal device determines that a clearing trigger condition is satisfied, and sends a clearing request to the management node of the target block chain, the management node determines a clearing node among the participating nodes in the target block chain, and at the same time, the management node reads an intelligent contract in the target block chain, determines a discount rate value b% according to a contract rule of the intelligent contract, the management node combines a current value y corresponding to the mortgage asset digital identifier and the discount rate value b% to obtain the discount value, and then, the terminal device transfers the mortgage digital identifier to the clearing node according to the discount value through the target block chain, and after receiving a chain asset corresponding to the discount value sent by the clearing node, releases the renting relationship between the loan user and the loan user.
Further, in a possible embodiment, the step S50 may specifically include:
step S501: obtaining a preset discount rate through the target block chain, and calculating according to the discount rate and the current value of the digital identification of the mortgage asset to obtain a discount value corresponding to the digital identification of the mortgage asset;
in this embodiment, after initiating a clearing request to the management node, the terminal device reads an intelligent contract in the target block chain from the management node, determines a discount rate value according to a contract rule corresponding to the intelligent contract, sends the discount rate value to the terminal device, and calls the data processing device to calculate the discount value according to the discount rate value and a current value corresponding to the mortgage asset digital identifier by the terminal device.
Step S502: transferring the digital identification of the mortgage assets to a clearing node through the target block chain according to the discount value, and acquiring the assets on the chain corresponding to the discount value transferred by the clearing node through the target block chain;
in this embodiment, the terminal device transfers the digital identifier of the mortgage asset to the liquidation node according to the discount value through the target block chain, and meanwhile, the liquidation node transfers the on-chain asset corresponding to the discount value to the terminal device through the target block chain.
Illustratively, for example, the terminal device sends a clearing request to a management node in the destination block chain, the management node determines a discount rate value according to a contract rule of an intelligent contract included in the destination block chain, when the discount rate value is 90%, the management node sends the discount rate value 90% to the terminal device, the terminal device invokes the data processing apparatus to calculate the discount value of 0.9y according to the discount rate value 90% and the current value y corresponding to the mortgage asset digital identifier, and then transfers the mortgage asset digital identifier to the clearing node with the discount value of 0.9y through the destination block chain, and at the same time, the clearing node transfers the on-chain asset corresponding to the discount value of 0.9y to the terminal device through the destination block chain.
In this embodiment, when the terminal device is operating, first obtaining a creditor relationship between a lending user and a lending user bound to the terminal device, the terminal device determining each asset information of a target mortgage asset according to the creditor relationship, the terminal device inputting each asset information to a code generating device built in the terminal device, the code generating device generating a mortgage asset digital identifier corresponding to the target mortgage asset according to each asset information, then the terminal device linking with a target block chain specified by the lending user and deploying the generated mortgage asset digital identifier to the target block chain, the terminal device invoking a data processing device configured in the terminal device to perform a valuation calculation on the target mortgage asset to obtain an initial first future value corresponding to the target mortgage asset, then the terminal device reading the storage device to obtain a preset detection update frequency to obtain a detection update frequency, the terminal device detecting a change corresponding to the initial first future value and comparing the first future value with a first detection update frequency to obtain a future update value, and comparing the first future update value with a first detection update frequency, and obtaining a future update frequency if the first future update value corresponding to the first future initial value of the first future value, the first detection update frequency is lower than the first future initial value, and the first detection update frequency, the terminal equipment determines that a clearing triggering condition is met, sends a clearing request to a management node of the target block chain, acquires a preset discount rate value through the target block chain, calculates a discount value corresponding to the digital identification of the mortgage asset according to the discount rate value and the current value of the digital identification of the mortgage asset, and transfers the digital identification of the mortgage asset to the clearing node in the target block chain according to the discount value so as to release the creditability relationship between the renter bound by the terminal equipment and the renter bound by the renter terminal.
Therefore, the method generates the digital identification of the mortgage assets corresponding to the target mortgage objects, deploys the digital assets to the target block chain, calculates and updates the future valuation of the target mortgage objects and compares the obtained real-time future value with the preset value valuation threshold value, and achieves the technical effect that the risk degree of the debt can be controlled by finishing the clearing through the clearing node when the real-time future value is determined to be lower than the value valuation threshold value so as to finish the debt relationship between the renters and the lenders, thereby reducing the occurrence frequency of the bad ledger.
Further, based on the above-described first embodiment of the method for controlling a risk under debt of the present invention, a second embodiment of the method for controlling a risk under debt of the present invention is proposed herein.
Referring to fig. 3, fig. 3 is a flowchart illustrating a method for controlling a risk under credit according to a second embodiment of the present invention, where the method for controlling a risk under credit according to the present invention further includes:
step A10: determining a target improvement rate according to the digital identification of the mortgage assets;
in this embodiment, the terminal device first determines the asset type of the target mortgage asset corresponding to the digital identifier of the mortgage asset, and further determines the liquidity value corresponding to the asset type, and the terminal device determines the target cash-out rate according to the liquidity value.
Step A20: marking target rental assets in the rental assets which are lent to the rental terminal according to the target cash-out rate, and determining the target rental assets as guaranteed assets;
in this embodiment, after the terminal device transfers the rental assets to the rental terminal through the target block chain, the terminal device randomly determines a part of target rental assets in the rental assets according to the target cash-out ratio, marks the target rental assets as guaranteed assets, and sets the guaranteed assets as assets that cannot be preferentially used in the rental assets.
Illustratively, for example, the terminal device first determines the target house corresponding to the digital identifier of the mortgage asset, and determines that the asset class corresponding to the target house is real estate, then, the terminal device determines that the liquidity value corresponding to the real estate is 0.5, meanwhile, the terminal device reads the storage device to obtain a preset ratio coefficient 1, the terminal device determines that the target rate of cash-out is 50% according to the liquidity value 0.5 and the ratio coefficient 1, and then, after the terminal device transfers the rental asset to the rental terminal through the target block chain, the terminal device divides 50% of the target rental asset in the rental asset, and marks the target self asset as a guaranteed asset, so that the rental terminal preferentially uses the non-guaranteed self asset when using the rental asset.
Further, in a possible embodiment, the step a10 may specifically include:
step A101: acquiring a preset asset liquidity database, wherein the asset liquidity database comprises asset types and liquidity coefficients corresponding to the asset types;
in this embodiment, the terminal device first reads the storage device to obtain a pre-stored asset mobility database including each asset type and a mobility coefficient corresponding to each asset type, and inputs the asset mobility database to the data processing device.
Step A102: determining a target asset type corresponding to the digital identification of the mortgage asset, and determining a target liquidity coefficient corresponding to the target asset type in the liquidity database;
in this embodiment, the terminal device determines a target asset type corresponding to the digital identifier of the mortgage asset, inputs the target asset type to the data processing device, and the data processing device filters the asset liquidity database based on the target asset type to obtain a target liquidity coefficient corresponding to the target asset type.
Step A103: determining a target withdrawal ratio according to the target fluidity coefficient;
in this embodiment, the terminal device reads the storage device to obtain a ratio coefficient preset by the renter, inputs the ratio coefficient to the data processing device, and calculates the target cash-out ratio by the data processing device according to the ratio coefficient and the target liquidity coefficient.
For example, the terminal device reads the storage device to obtain an asset liquidity database which is stored in advance by the renter and includes each asset type and a liquidity coefficient corresponding to each asset type, obtains the ratio coefficient 1 in the storage device, determines a target mortgage asset corresponding to the digital identification of the mortgage asset as the target house according to the bond relationship, determines a target asset type corresponding to the target house as real estate, inputs the target asset type real estate and the asset liquidity database to the data processing device, screens the target liquidity coefficient corresponding to the real estate in the asset liquidity database by the data processing device to be 0.5, and calculates the target lifting ratio to be 50% according to the liquidity coefficient 0.5 and the ratio coefficient of 1.
In this embodiment, the target liquidity coefficient is determined by the developer in advance according to the difficulty level of cash register corresponding to each asset type, for example, the liquidity coefficient corresponding to real estate is set to 0.5, the liquidity coefficient of cash or bills, which is relatively easy to be changed, may be set to 0.9 or 1, which is higher than the liquidity coefficient of real estate, specific numerical values may be set by the developer according to actual use conditions, and the relationship between the liquidity coefficient and the difficulty level of cash register may also be modified by the developer according to actual use conditions, which is not limited by the present invention.
In this embodiment, first, a terminal device determines an asset category of a target mortgage asset corresponding to a mortgage asset digital identifier, and further determines a liquidity value corresponding to the asset category, the terminal device determines a target rent rate according to the liquidity value, then, after the terminal device transfers a rented asset to the renting terminal through the target block chain, the terminal device randomly determines a part of target rented assets in the rented asset according to the target rent rate, marks the target rented asset as a guaranteed asset, and sets the guaranteed asset as an asset that cannot be preferentially used in the rented asset.
Therefore, the method and the device determine the asset varieties of the target mortgage assets, determine the target showing rate corresponding to the rented assets according to the liquidity coefficients corresponding to the asset varieties, and determine the occupation rate of the guaranteed assets in the rented assets according to the target showing rate, thereby achieving the purposes of ensuring the safety of the rented assets and reducing the bad account frequency.
Further, based on the above-described second embodiment of the method for controlling a risk under debt of the present invention, a third embodiment of the method for controlling a risk under debt of the present invention is proposed herein.
Referring to fig. 4, fig. 4 is a flowchart illustrating a method for controlling risk under credit according to a third embodiment of the present invention, and the method for controlling risk under credit according to the present invention may further include:
step B10: judging whether the real-time first future value is lower than a preset second value estimation threshold value or not; wherein the second value evaluation threshold should be higher than the first value evaluation threshold;
in this embodiment, the terminal device detects the real-time first future value through a built-in detection device, and reads and stores the storage device to obtain a second price valuation threshold value which is preset by the renter and is larger than the first price valuation threshold value, the terminal device inputs the real-time first future value and the second price valuation threshold value to the data comparison device, and the data comparison device compares the real-time first future value with the second price valuation threshold value and determines whether the real-time first future value is smaller than the second price valuation threshold value.
Step B20: if the real-time first future value is lower than the second price valuation threshold value, acquiring financial data corresponding to a leasing terminal, and calculating according to the financial data to obtain cash flow data;
in this embodiment, if the terminal device determines that the real-time first future value is lower than the second value estimation threshold through the data comparison device, the terminal device obtains financial data corresponding to the lease terminal through the target block chain, and inputs the financial data to the data processing device, and the data processing device determines cash flow data corresponding to the lease terminal according to the financial data.
Step B30: when the cash flow data is smaller than a preset cash flow threshold value, acquiring preset clearing warning information and sending the clearing warning information to a leasing terminal;
in this embodiment, the terminal device reads the storage device to obtain a preset cash flow threshold, inputs the cash flow threshold and the cash flow data to the data comparison device, compares the cash flow value with the cash flow threshold by the data comparison device to obtain a comparison result, and sends the preset clearing warning information of the renter to the renting terminal when the cash flow value is smaller than the cash flow threshold.
Illustratively, for example, the terminal device detects X the real-time first future value and determines a value of the real-time first future value X by the detecting device according to a preset frequency, for example, every 1 day, meanwhile, the terminal device reads the storage device to obtain a second value valuation threshold c specified by the lending user, the terminal device inputs the real-time first future value X and the second value valuation threshold c to the data comparing device, the data comparing device compares the real-time first future value X with the second value valuation threshold c, when the data comparing device determines that the real-time first future value X is smaller than the second value valuation threshold c, the terminal device obtains financial data, such as income data, receivable accounts and liability conditions of the lending user corresponding to the lending terminal by the target block chain, the terminal device inputs each piece of the financial data to the data processing device, the data processing device calculates a rent value corresponding to each piece of the lending terminal according to each piece of the financial data, the terminal device compares the rent flow with the mobile cash flow threshold d to obtain a cash flow, and compares the cash flow calculated result with the cash flow threshold d, and obtains a cash flow warning flow, and compares the cash flow d flow with the cash flow stored data, and compares the cash flow warning flow d flow with the cash flow.
In this embodiment, first, the terminal device detects the real-time first future value through a built-in detection device, reads and stores the storage device to obtain a second value valuation threshold preset by the renter and larger than the first value valuation threshold, inputs the real-time first future value and the second value valuation threshold to the data comparison device, compares the real-time first future value with the second value valuation threshold by the data comparison device, and determines whether the real-time first future value is smaller than the second value valuation threshold, then, if the terminal device determines that the real-time first future value is smaller than the second value valuation threshold through the data comparison device, the terminal device obtains financial data corresponding to the renter terminal through the target block chain, inputs the financial data to the data processing device, determines cash flow data corresponding to the renter terminal according to the financial data, and finally, the terminal device reads the storage device to obtain a preset cash flow threshold, the terminal device inputs the cash flow threshold and the cash flow data to the data processing device, and sends the cash flow data to the data processing device, and when the cash flow result is smaller than the cash flow warning result obtained by the comparison device, and the cash flow comparison device compares the cash flow with the cash flow data to the preset cash flow threshold.
Therefore, the method and the system adopt a mode that when the future value of the target mortgage asset is detected to be lower than the preset value valuation threshold value, the financial data of the renter is obtained, the cash flow data of the renter is obtained through calculation according to the financial data, and then the renter is sent out a clearing warning when the cash flow data is judged to be lower than the preset cash flow threshold value, so that the purpose of controlling the risk degree of the bond is achieved.
In addition, the present invention further provides a device for controlling risk of claim, please refer to fig. 5, fig. 5 is a schematic diagram of functional modules related to an embodiment of a method for controlling risk of claim according to the present invention, as shown in fig. 5, the device for controlling risk of claim according to the present invention includes:
the asset production module 10 is configured to obtain asset information of a target mortgage asset, and generate a mortgage asset digital identifier corresponding to the target mortgage asset according to the asset information;
the asset valuation module 20 is configured to deploy the digital identity of the mortgage asset to a preset target block chain, and perform valuation calculation on the target mortgage asset to obtain an initial first future value corresponding to the target mortgage asset;
an estimation updating module 30, configured to detect the initial first future value to obtain a value variation trend of the initial first future value, and update the initial first future value according to the value variation trend to obtain a real-time first future value corresponding to the initial first future value;
an estimate comparison module 40, configured to determine whether the real-time first future value is lower than a preset first value estimate threshold;
and the creditor liquidation module 50 is configured to transfer the digital identity of the mortgage asset to a liquidation node in the target block chain through the target block chain if it is determined that the real-time first future value is lower than the first price valuation threshold value.
Further, the asset valuation module 20, comprising:
an asset determination unit for determining each other related asset corresponding to the target mortgage asset;
and the first valuation unit is used for calculating the future valuation of the target mortgage asset according to each other related asset and a preset valuation age to obtain an initial first future value.
Further, the first evaluation unit comprises:
a first range obtaining subunit, configured to obtain a first past value trend of the target mortgage asset according to a preset valuation year, and obtain a first past price range of the target mortgage asset according to the first past value trend;
a second range obtaining subunit, configured to obtain a second past value trend of each of the other related assets according to the valuation year, and obtain a second past price range of each of the other related assets according to each of the second past value trends;
and the future valuation calculation subunit is used for obtaining an initial first future value according to the first past value trend, the first past price range, each second past value trend, each second past price range and a preset risk factor value.
Further, the creditor clearing module 50 includes:
the discount calculation unit is used for acquiring a preset discount rate through the target block chain and calculating according to the discount rate and the current value of the digital identification of the mortgage asset to obtain a discount value corresponding to the digital identification of the mortgage asset;
and the asset clearing unit is used for transferring the digital identification of the mortgage asset to a clearing node through the target block chain according to the discount value and acquiring the on-chain asset which is transferred by the clearing node through the target block chain and corresponds to the discount value.
Further, the asset valuation module 20 further comprises:
the rate determining unit is used for determining a target cash-out rate according to the digital identification of the mortgage assets;
and the asset dividing unit is used for marking target rental assets in the rental assets which are lent to the rental terminal according to the target cash-out rate and determining the target rental assets as guaranteed assets.
Further, the asset partitioning unit includes:
the system comprises a data acquisition subunit, a data processing subunit and a data processing subunit, wherein the data acquisition subunit is used for acquiring a preset asset mobility database, and the asset mobility database comprises each asset type and mobility coefficients corresponding to the asset types;
a coefficient determining subunit, configured to determine a target asset type corresponding to the digital identity of the mortgage asset, and determine a target liquidity coefficient corresponding to the target asset type in the liquidity database;
and the ratio calculation subunit is used for determining a target improvement ratio according to the target fluidity coefficient.
Further, the creditor clearing module 50 further comprises:
an evaluation value comparison unit for judging whether the real-time first future value is lower than a preset second value evaluation threshold value; wherein the second price evaluation value threshold value should be higher than the first price evaluation value threshold value;
the financial calculation unit is used for acquiring financial data corresponding to a renting terminal if the real-time first future value is judged to be lower than the second price valuation threshold value, and calculating to obtain cash flow data according to the financial data;
and the clearing warning unit is used for acquiring preset clearing warning information when the cash flow data is smaller than a preset cash flow threshold value, and sending the clearing warning information to the lease terminal.
In addition, the present invention also provides a terminal device, which has a program for controlling the risk of credit that can be run on a processor, and when the terminal device executes the program for controlling the risk of credit, the steps of the method for controlling the risk of credit as described in any of the above embodiments are implemented.
The specific embodiment of the terminal device of the present invention is substantially the same as the embodiments of the method for controlling risk of credit described above, and details are not described herein.
Furthermore, the present invention also provides a computer-readable storage medium, on which a control program of the claim risk is stored, which when executed by a processor implements the steps of the control method of the claim risk according to any one of the above embodiments.
The specific embodiment of the computer-readable storage medium is substantially the same as the embodiments of the method for controlling the risk of the claim, and will not be described herein again.
It should be noted that, in this document, the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or system that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or system. Without further limitation, an element defined by the phrases "comprising a," "8230," "8230," or "comprising" does not exclude the presence of other like elements in a process, method, article, or system comprising the element.
The above-mentioned serial numbers of the embodiments of the present invention are only for description, and do not represent the advantages and disadvantages of the embodiments.
Through the above description of the embodiments, those skilled in the art will clearly understand that the method of the above embodiments can be implemented by software plus a necessary general hardware platform, and certainly can also be implemented by hardware, but in many cases, the former is a better implementation manner. Based on such understanding, the technical solution of the present invention may be embodied in the form of a software product, which is stored in a storage medium (e.g., ROM/RAM, magnetic disk, optical disk) as described above, and includes instructions for enabling a terminal device (e.g., a Personal Computer (PC) with a windows system integrated therein as an operating system, of course, the terminal device may also be other fixed terminal devices such as a server, or a mobile terminal device such as a mobile phone or tablet) to execute the method according to the embodiments of the present invention.
The above description is only a preferred embodiment of the present invention, and is not intended to limit the scope of the present invention, and all equivalent structures or equivalent processes performed by the present invention or directly or indirectly applied to other related technical fields are also included in the scope of the present invention.
Claims (9)
1. A method for controlling a risk of liability, comprising the steps of:
acquiring asset information of a target mortgage asset, and generating a mortgage asset digital identifier corresponding to the target mortgage asset according to the asset information;
deploying the digital identification of the mortgage asset to a preset target block chain, and performing valuation calculation on the target mortgage asset to obtain an initial first future value corresponding to the target mortgage asset;
after the step of deploying the digital identity of the mortgage asset to a preset target block chain, the method further comprises:
determining the asset variety of the target mortgage asset corresponding to the digital identity of the mortgage asset, further determining the liquidity value corresponding to the asset variety, and determining the target cash-out ratio according to the liquidity value;
after the rented assets are transferred to a renting terminal through the target block chain, randomly determining partial target rented assets in the rented assets according to the target cash-out rate, and marking the target rented assets as guaranteed assets so that the renting terminal preferentially uses the rented assets of the non-guaranteed asset part when using the rented assets;
detecting the initial first future value to obtain a value change trend of the initial first future value, and updating the initial first future value according to the value change trend to obtain a real-time first future value corresponding to the initial first future value;
judging whether the real-time first future value is lower than a preset first value estimation threshold value or not;
if yes, transferring the digital identification of the mortgage asset to a clearing node in the target block chain through the target block chain;
the step of transferring the digital identity of the mortgage asset to a liquidation node in the target block chain through the target block chain comprises:
obtaining a preset discount rate through the target block chain, and calculating according to the discount rate and the current value of the digital identification of the mortgage asset to obtain a discount value corresponding to the digital identification of the mortgage asset;
transferring the digital identification of the mortgage assets to a clearing node through the target block chain according to the discount value, and acquiring the assets on the chain corresponding to the discount value transferred by the clearing node through the target block chain.
2. The method for controlling claim 1, wherein the step of calculating the valuation of the target mortgage asset to obtain an initial first future value corresponding to the target mortgage asset comprises:
determining other related assets corresponding to the target mortgage asset;
and calculating the future valuation of the target mortgage assets according to the other related assets and the preset valuation age to obtain an initial first future value.
3. The method for claim 2, wherein the step of calculating future valuations of the target mortgage asset by each of the other related assets and a predetermined valuation age to obtain an initial first future value comprises:
acquiring a first past value trend of the target mortgage asset according to a preset valuation age limit, and acquiring a first past price range of the target mortgage asset according to the first past value trend;
obtaining a second past value trend of each other related asset according to the valuation age, and obtaining a second past price range of each other related asset according to each second past value trend;
and obtaining an initial first future value according to the first past value trend, the first past price range, each second past value trend, each second past price range and a preset risk factor value.
4. The method of claim 1, wherein the method further comprises:
determining a target improvement rate according to the digital identification of the mortgage assets;
and marking target rental assets in the rental assets from the rental terminals according to the target cash-out rate, and determining the target rental assets as guaranteed assets.
5. The method for controlling claim 4, wherein said step of determining a target cash-out ratio based on said digital identity of said mortgage assets comprises:
acquiring a preset asset liquidity database, wherein the asset liquidity database comprises various asset types and liquidity coefficients corresponding to the asset types;
determining a target asset type corresponding to the digital identification of the mortgage asset, and determining a target liquidity coefficient corresponding to the target asset type in the liquidity database;
and determining a target improvement ratio according to the target fluidity coefficient.
6. The method of claim 1, wherein the method further comprises:
judging whether the real-time first future value is lower than a preset second value estimation threshold value or not; wherein the second value evaluation threshold is higher than the first value evaluation threshold;
if the real-time first future value is judged to be lower than the second price valuation threshold value, acquiring financial data corresponding to a leasing terminal, and calculating to obtain cash flow data according to the financial data;
and when the cash flow data is smaller than a preset cash flow threshold value, acquiring preset clearing warning information and sending the clearing warning information to a leasing terminal.
7. An apparatus for controlling risk of liability, said apparatus comprising:
the system comprises an asset making module, a target mortgage asset generating module and a target mortgage asset generating module, wherein the asset making module is used for acquiring all asset information of a target mortgage asset and generating a mortgage asset digital identifier corresponding to the target mortgage asset according to all the asset information;
the asset valuation module is used for deploying the digital identification of the mortgage asset to a preset target block chain and carrying out valuation calculation on the target mortgage asset to obtain an initial first future value corresponding to the target mortgage asset;
the apparatus for controlling the risk of liability further comprises:
the cash-withdrawal calculation module is used for determining the asset varieties of the target mortgage assets corresponding to the digital identification of the mortgage assets, further determining liquidity values corresponding to the asset varieties and determining target cash-withdrawal ratios according to the liquidity values;
the asset dividing module is used for randomly determining part of target rental assets in the rental assets according to the target cash-out rate after the rental assets are transferred to the rental terminals through the target block chains, and marking the target rental assets as guaranteed assets so that the rental terminals preferentially use the rental assets of non-guaranteed asset parts when using the rental assets;
the valuation updating module is used for detecting the initial first future value to obtain a value change trend of the initial first future value and updating the initial first future value according to the value change trend to obtain a real-time first future value corresponding to the initial first future value;
the valuation comparison module is used for judging whether the real-time first future value is lower than a preset first value valuation threshold value or not;
the creditor clearing module is used for transferring the digital identification of the mortgage assets to clearing nodes in the target block chain through the target block chain if the real-time first future value is judged to be lower than the first price valuation threshold value;
the claim settlement module comprises:
the discount calculation unit is used for acquiring a preset discount rate through the target block chain and calculating according to the discount rate and the current value of the digital identification of the mortgage asset to obtain a discount value corresponding to the digital identification of the mortgage asset;
and the asset clearing unit is used for transferring the digital identification of the mortgage asset to a clearing node through the target block chain according to the discount value and acquiring the on-chain asset which is transferred by the clearing node through the target block chain and corresponds to the discount value.
8. A terminal device, characterized in that the terminal device comprises: a memory, a processor and a control program of claim risk stored on the memory and executable on the processor, the control program of claim risk when executed by the processor implementing the steps of the method of claim risk control as claimed in any one of claims 1 to 6.
9. A computer-readable storage medium, characterized in that a control program of the claim risk is stored on the computer-readable storage medium, and the control program of the claim risk realizes the steps of the control method of the claim risk according to any one of claims 1 to 6 when executed by a processor.
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