CN110322340A

CN110322340A - Credit air control management method, device, server and storage medium

Info

Publication number: CN110322340A
Application number: CN201910441739.9A
Authority: CN
Inventors: 沈金泳
Original assignee: Ping An Bank Co Ltd
Current assignee: Ping An Bank Co Ltd
Priority date: 2019-05-24
Filing date: 2019-05-24
Publication date: 2019-10-11
Anticipated expiration: 2039-05-24
Also published as: CN110322340B

Abstract

The present invention provides a kind of credit air control management method, comprising: obtains by the credit relevant information of monitoring party, the credit relevant information includes the debt-credit App number installed on the reference record of monitoring party, the electronic equipment by monitoring party；And the credit grade identification model that training generates in advance is called, the credit grade by monitoring party is identified by the credit relevant information of monitoring party according to described；Wherein, the title that the debt-credit App number installed on the electronic equipment by monitoring party includes: each App installed on the electronic equipment for obtain the monitoring party is obtained；Debt-credit App is determined whether there is according to the title of each App；And the number of the debt-credit App installed on the statistics electronic equipment by monitoring party.Review result reliability and evaluation efficiency can be improved in the present invention.The present invention also provides device, server and the storage mediums of realizing the credit air control management method.

Description

Credit air control management method, device, server and storage medium

Technical field

The present invention relates to field of computer technology, and in particular to a kind of credit air control management method, device, server and deposits Storage media.

Background technique

The each single item business of bank is all at every moment along with the processing expansion to risk.Only risk prevention is melted Among all behavior acts of business operation, existing development result could be consolidated, guarantee business health, continue, quickly send out Exhibition is allowed to stand firm in fierce market competition, establish oneself in an unassailable position！When current bank evaluates individual/business standing, The credit of client is mainly evaluated in the management data of affiliated industry according to client.In addition, most of management data need to also be by Bank clerk interprets.Therefore, low efficiency is evaluated.In addition, the review result being achieved in that due to by human factor influenced compared with Greatly, review result reliability is low.

Summary of the invention

In view of the foregoing, it is necessary to propose a kind of credit air control management method, device, server and storage medium, use To solve to improve review result reliability, and to improve by the defect of artificial experience evaluation customers' credit in the prior art System evaluates efficiency.

The first aspect of the present invention provides a kind of credit air control management method, is applied in server, which comprises It obtains by the credit relevant information of monitoring party, the credit relevant information includes reference record, the quilt by monitoring party The debt-credit App number installed on the electronic equipment of monitoring party；The credit grade identification model that training generates in advance is called, according to It is described that the credit grade by monitoring party is identified by the credit relevant information of monitoring party；And according to the credit by monitoring party Grade determines whether to open up supervision account by monitoring party to be described, wherein reaches default by the credit grade of monitoring party when described Grade when, the supervision account is opened up by monitoring party to be described；When the credit grade by monitoring party do not reach it is pre- If grade when, determination cannot open up the supervision account by monitoring party to be described；Wherein, the electronics by monitoring party is obtained The debt-credit App number installed in equipment includes: to establish to communicate to connect with the electronic equipment by monitoring party, obtains the prison The title of each App installed on the electronic equipment of Guan Fang；Debt-credit is determined whether there is according to the title of each App App；And the number of the debt-credit App installed on the statistics electronic equipment by monitoring party.

Preferably, it includes: to be supervised described that the title according to each App, which determines whether there is debt-credit App, The title text relevant to preset debt-credit of each App installed on the electronic equipment of side is compared；If described supervised The title of some App installed on the electronic equipment of Guan Fang text relevant to preset debt-credit matches, it is determined that described Some App be debt-credit App, wherein the title of some App text relevant to preset debt-credit match refer to described in certain The title of a App and the relevant text of preset debt-credit are completely the same or the relevant text of the preset debt-credit includes One or more texts in text corresponding to the title of some App；And if the title of some App with it is preset It borrows or lends money relevant text to mismatch, it is determined that some described App is not debt-credit App.

Preferably, it includes: according to described each that the title according to each App, which determines whether there is debt-credit App, The title of App obtains application introduction corresponding with each App, wherein corresponding with each App from specified software store Refer to the introduction to the function of App using introduction；Determine application corresponding with each App in introducing with the presence or absence of specified key Word；If there is specified keyword in introducing in application corresponding with some App, it is determined that some described App is debt-credit App；And If specified keyword is not present in introducing in application corresponding with some App, it is determined that some described App is not debt-credit App.

Preferably, the method also includes the training credit grade identification model, the training credit grade is known Other model include: obtain preset quantity credit relevant information corresponding from different credit grades, and to every kind of credit Credit relevant information corresponding to grade marks classification, so that taking with credit relevant information corresponding to every kind of credit grade Band class label；Credit relevant information corresponding from the different credit grades is randomly divided into the instruction of the first preset ratio respectively The verifying collection for practicing collection and the second preset ratio, using the training set training credit grade identification model, and described in utilization The accuracy rate of the credit grade identification model after verifying collection verifying training；If the accuracy rate is more than or equal to default standard When true rate, then terminate to train；And if the accuracy rate be less than the default accuracy rate when, increase sample size with re -training The credit grade identification model is until the accuracy rate is more than or equal to default accuracy rate.

Preferably, the method in for it is described the supervision account is opened up by monitoring party after, further includes: receive and described supervised The project plan that the electronic equipment of Guan Fang sends over, the project plan include project information and the estimate for a project amount of money； When determining that the project plan needs monitoring party to examine, examination & approval notice is sent to the electronic equipment of monitoring party, notifies monitoring party The project plan is examined, and receives approval results transmitted by the electronic equipment of monitoring party, wherein the examination & approval are logical Know and carries project information included by the project plan and the estimate for a project amount of money；Approval results are true based on the received It is fixed whether to notify to be modified the project plan by monitoring party, when determination will notify to modify the project plan by monitoring party, To the amendment advice for being sent the modification project plan by the electronic equipment of monitoring party, and reception is sent out by the electronic equipment of monitoring party The modified project plan brought；Whether there is supervision account described in real-time monitoring carrys out account fund, and works as the supervision account Have when carrying out account fund, it is determined whether to it is described come account fund supervise；When determination should not to it is described come account fund supervise Guan Shi, by it is described come account fund be divided into it is described supervision account non-administrated fund pool；When determination will to it is described come account fund carry out When supervision, by it is described come account fund be divided into the supervision fund pool of the supervision account, and according to the project of the project plan The fund supervised in fund pool is assigned under the project of the project plan by budget amount.

Preferably, it is described determine whether to it is described come account fund carry out supervision include: obtain it is described come account fund institute it is right The account answered；By it is described come account fund corresponding to account with it is preset come account list be compared, determine it is described come account fund Corresponding account whether it is preset come account list on；And if it is described come account fund corresponding to account it is described it is preset come On account list, it is determined that it is described come account financial need supervised；If it is described come account fund corresponding to account it is no longer described pre- If come on account list, it is determined that it is described come account fund do not need to be supervised.

Preferably, the method also includes: receive the expenditure sended over by the electronic equipment of monitoring party request, wherein The expenditure request includes the project information and the amount of money to be paid of the project of the project plan；From the project Freeze the amount of money to be paid of the project in the fund distributed；When the amount of money that the project to be paid is by going out money verifying When, the amount of money to be paid of the project that will be freezed from the supervision account is discharged into the non-administrated of the supervision account Fund pool.

Second aspect of the present invention provides a kind of credit air control managing device, runs in server, and described device includes: to know Other module, for obtaining by the credit relevant information of monitoring party, the credit relevant information includes the reference by monitoring party The debt-credit App number installed on record, the electronic equipment by monitoring party；The identification module is also used to call in advance The credit grade identification model that training generates, identifies the letter by monitoring party by the credit relevant information of monitoring party according to described Use grade；And execution module, for being determined whether to open up prison by monitoring party to be described by the credit grade of monitoring party according to described Pipe account, wherein when it is described preset grade is reached by the credit grade of monitoring party when, the prison is opened up by monitoring party to be described Pipe account；When it is described default grade is not reached by the credit grade of monitoring party when, determination cannot be described by monitoring party Open up the supervision account；Wherein, the identification module obtains the debt-credit App installed on the electronic equipment by monitoring party Number includes: to establish to communicate to connect with the electronic equipment by monitoring party, obtains and is pacified on the electronic equipment of the monitoring party The title of each App of dress；Debt-credit App is determined whether there is according to the title of each App；And statistics is described by monitoring party Electronic equipment on installed debt-credit App number.

Third aspect present invention provides a kind of server, and the server includes processor, and the processor is for executing The credit air control management method is realized when the computer program stored in memory.

Fourth aspect present invention provides a kind of computer readable storage medium, is stored thereon with computer program, the meter Calculation machine program realizes the credit air control management method when being executed by processor.

Credit air control management method described in the embodiment of the present invention, device, server and storage medium, by obtaining quilt The credit relevant information of monitoring party, the credit relevant information include that the reference by monitoring party records, is described by monitoring party Electronic equipment on the debt-credit App number installed；The credit grade identification model that training generates in advance is called, according to the quilt The credit relevant information of monitoring party identifies the credit grade by monitoring party；And execution module, for being supervised according to described The credit grade of side determines whether to open up supervision account by monitoring party to be described, wherein when the credit grade by monitoring party When reaching preset grade, the supervision account is opened up by monitoring party to be described；Do not had when described by the credit grade of monitoring party When reaching default grade, determination cannot open up the supervision account by monitoring party to be described；Wherein, described supervised is obtained The debt-credit App number installed on the electronic equipment of side includes: to establish to communicate to connect with the electronic equipment by monitoring party, is obtained Take the title of each App installed on the electronic equipment of the monitoring party；Determine whether to deposit according to the title of each App In debt-credit App；And the number of the debt-credit App installed on the statistics electronic equipment by monitoring party, it can solve existing skill By the defect of artificial experience evaluation customers' credit in art, to improve review result reliability, and system evaluation efficiency is improved.

Detailed description of the invention

In order to more clearly explain the embodiment of the invention or the technical proposal in the existing technology, to embodiment or will show below There is attached drawing needed in technical description to be briefly described, it should be apparent that, the accompanying drawings in the following description is only this The embodiment of invention for those of ordinary skill in the art without creative efforts, can also basis The attached drawing of offer obtains other attached drawings.

Fig. 1 is the application environment architecture diagram for the credit air control management method that the embodiment of the present invention one provides.

Fig. 2 is the flow chart of credit air control management method provided by Embodiment 2 of the present invention.

Fig. 3 is the structure chart for the credit air control managing device that the embodiment of the present invention three provides.

Fig. 4 is the schematic diagram for the server that the embodiment of the present invention four provides.

The present invention that the following detailed description will be further explained with reference to the above drawings.

Specific embodiment

To better understand the objects, features and advantages of the present invention, with reference to the accompanying drawing and specific real Applying example, the present invention will be described in detail.It should be noted that in the absence of conflict, the embodiment of the present invention and embodiment In feature can be combined with each other.

In the following description, numerous specific details are set forth in order to facilitate a full understanding of the present invention, described embodiment is only It is only a part of the embodiment of the present invention, instead of all the embodiments.Based on the embodiments of the present invention, ordinary skill Personnel's every other embodiment obtained without making creative work, shall fall within the protection scope of the present invention.

Unless otherwise defined, all technical and scientific terms used herein and belong to technical field of the invention The normally understood meaning of technical staff is identical.Term as used herein in the specification of the present invention is intended merely to description tool The purpose of the embodiment of body, it is not intended that in the limitation present invention.

Embodiment one

As shown in fig.1, the application environment architecture diagram of the credit air control management method provided for the embodiment of the present invention one.

Credit air control management method of the invention is applied in the environment being made of a server and multiple electronic equipments In.Such as in the environment being made of a server 3 and two electronic equipments such as electronic equipment 4 and electronic equipment 5.

In one embodiment, the server 3 can be the server of bank.The electronic equipment 4 can be to be supervised The equipment such as mobile phone, tablet computer, PC, the personal digital assistant of Guan Fang.The electronic equipment 5 can be the hand of monitoring party The equipment such as machine, tablet computer, PC, personal digital assistant.For ease of understanding, described in this case by monitoring party that is, Loaning bill side, the monitoring party are equivalent to investor.Bank is then used as third side, and the monitoring party is cooperateed with to be made to described by monitoring party It is supervised jointly with the fund of the monitoring party.

In one embodiment, the server 3 and electronic equipment 4 can pass through wired (such as USB (Universal Serial Bus, universal serial bus) or wirelessly (such as Wireless Fidelity (Wireless Fidelity, WIFI) etc.) Establish communication connection.The server 3 can establish communication connection by the wired or wireless mode with electronic equipment 5.

Embodiment two

Fig. 2 is the flow chart of credit air control management method provided by Embodiment 2 of the present invention.In the present embodiment, the letter It can be applied in the server of bank with air control management method, it, can be with for needing to carry out the server of credit air control management The function that credit air control management is used for provided by method of the invention is integrated, or on the server directly with software development work The form operation of tool packet (Software Development Kit, SDK) is on the server.

As shown in Fig. 2, the credit air control management method specifically includes following steps, the process according to different requirements, The sequence of step can change in figure, and certain steps can be omitted.

Step S0, whether identification reaches default according to the credit grade by monitoring party by the credit grade of monitoring party Grade determine whether to open up supervision account by monitoring party to be described.

In one embodiment, when it is described preset grade is reached by the credit grade of monitoring party when, determination can be institute It states and the supervision account is opened up by monitoring party.Conversely, when the credit grade by monitoring party does not reach default grade When, determination cannot open up the supervision account by monitoring party to be described.

In the present embodiment, the credit grade includes outstanding, good, medium, poor etc..The preset grade can be good Good or more (i.e. outstanding, good).

In the present embodiment, the described identification by the credit grade of monitoring party includes S011-S012:

S011, the credit relevant information by monitoring party is obtained, the credit relevant information includes, but are not limited to institute State debt-credit App (Application, the application installed on the reference record of monitoring party, the electronic equipment by monitoring party Program) number.

In the present embodiment, it can be supervised according to the identity information by monitoring party from the inquiry acquisition of reference center is described The reference record of side.Reference record includes, but are not limited to described overdue account number, overdue occur by monitoring party Amount of money number, overdue duration etc..

In the present embodiment, obtaining the debt-credit App number installed on the electronic equipment by monitoring party includes S111- S113:

S111, communication connection is established with the electronic equipment by monitoring party, obtains the electronic equipment by monitoring party On the title of each App installed.

S112, debt-credit App is determined whether there is according to the title of each App.Wherein, the debt-credit App that is to say Refer to application program relevant to loaning bill, the App to borrow money online for user.

In the first embodiment, the title according to each App determine whether there is debt-credit App include:

By the title of each App installed on the electronic equipment by monitoring party text relevant to preset debt-credit It is compared.If the title of some App installed on the electronic equipment by monitoring party text relevant to preset debt-credit Word matches, it is determined that some App is debt-credit App.If the title of some App text relevant to preset debt-credit is not Matching, it is determined that some App is not debt-credit App.

In the present embodiment, the title of some App text relevant to preset debt-credit, which matches, can refer to this certain The title of a App and the relevant text of preset debt-credit are completely the same or the relevant text of the preset debt-credit includes One or more texts in text corresponding to the title of some App.

In the present embodiment, the preset text relevant to debt-credit may include for example: " Yi Rong ", " ant finance ", " borrowing ", " loan " etc..

For example, it is assumed that entitled " the small amount loan " of some App, due to the preset text packet relevant to debt-credit " loan " word in " small amount loan " is included, then the App of entitled " the small amount loan " can be identified as debt-credit App.

In a second embodiment, it includes S1121- that the title according to each App, which determines whether there is debt-credit App, S1122:

S1121, according to the title of each App from specified software store, obtain corresponding with each App application It introduces.

In the present embodiment, application introduction corresponding with each App refers to introduction made by the function using text to App. There is corresponding introduction to the function of every money software per the software store.

S1122, determination application corresponding with each App whether there is specified keyword in introducing, if with some App pairs There is specified keyword in introducing in the application answered, it is determined that some App is debt-credit App.If application corresponding with some App There is no specified keywords in introduction, it is determined that some App is not debt-credit App.

In the present embodiment, the specified keyword may include, but be not limited to, and " consumption is borrowed " " finishing is borrowed ", " manages Loan ", " making loans ", " arriving account ", " mortgage ".

The number of the debt-credit App installed on S113, the statistics electronic equipment by monitoring party.

S012 calls the credit grade identification model that training generates in advance, is believed according to the credit correlation by monitoring party Breath identifies the credit grade by monitoring party.

Specifically, by the correspondence letter for being input to the preparatory training generation by the credit relevant information of monitoring party With grade identification model, the credit grade by monitoring party is obtained.

As previously described, the credit grade can be divided into outstanding, good, medium, poor etc..In present embodiment, credit Grade credit relevant information corresponding when being outstanding belongs to the first parameter area, credit grade credit corresponding when being good Relevant information belongs to the second parameter area, and credit grade credit relevant information corresponding when being medium belongs to third parameter model It encloses, credit grade credit relevant information corresponding whens being difference etc. belongs to the 4th parameter area.First parameter area, second Parameter area, third parameter area, the 4th parameter area are different parameter areas.

For example, for example, delinquent account corresponding when credit grade is outstanding is 0, the overdue amount of money is 0, when overdue A length of 0, the debt-credit App on the electronic equipment by monitoring party is 0.For another example, it is corresponding overdue whens credit grade is difference etc. Account is greater than 2, and the overdue amount of money is greater than 50000, and overdue duration is greater than 30 days, the debt-credit on the electronic equipment by monitoring party App is greater than 5.

Preferential, the method for the training credit grade identification model includes:

1) obtain the credit relevant information corresponding from the different credit grades of preset quantity, and to every kind of letter The credit relevant information corresponding to grade marks classification, so that with credit relevant information corresponding to every kind of credit grade Carry class label.

For example, credit relevant information 500 that selection and credit grade are corresponding when being outstanding, and to 500 credits Relevant information is respectively labeled as " 1 ", i.e., using " 1 " as label.Similarly, corresponding letter when selection and credit level are good " 2 " are respectively labeled as with relevant information 500, and to 500 credit relevant informations, i.e., using " 2 " as label.It chooses and believes It is credit relevant information 500 corresponding when with grade being medium, and " 3 " are respectively labeled as to 500 credit relevant informations, I.e. using " 3 " as label.Corresponding whens being difference etc. with credit grade credit relevant information 500 are chosen, and this 500 are believed " 4 " are respectively labeled as with relevant information, i.e., using " 4 " as label.

2) credit relevant information corresponding from the different credit grades is randomly divided into the instruction of the first preset ratio respectively The verifying collection for practicing collection and the second preset ratio, using the training set training credit grade identification model, and described in utilization The accuracy rate of the credit grade identification model after verifying collection verifying training.

For example, training sample corresponding from different credit grades (i.e. credit relevant information) can be distributed to first In different files.For example, training sample corresponding when being outstanding with credit grade is distributed in the first file, it will Corresponding training sample is distributed in the second file when with credit grade being good, right when will be medium with credit grade The training sample answered is distributed in third file, and training sample corresponding whens being difference etc. with credit grade is distributed to In 4th file.Then the training sample for extracting the first preset ratio (for example, 70%) respectively in different files is made The training that credit grade identification model is carried out for total training sample takes the default ratio of residue second respectively in different files The training sample of example (for example, 30%) carries out the credit grade identification model that training is completed as total test sample quasi- True property verifying.

If 3) accuracy rate is more than or equal to default accuracy rate, terminate to train, with the credit after training Grade identification model identifies the credit grade by monitoring party as classifier；If the accuracy rate is less than described default accurate When rate, then increase sample size with credit grade identification model described in re -training until the accuracy rate is more than or equal in advance If accuracy rate.

According to the above records it is found that the present embodiment for opened up by monitoring party supervision account before first to by the letter of monitoring party An identification is made with grade, has strengthened in relation to by the credit air control of monitoring party.In addition, in the present embodiment, to being supervised When the credit grade identification of side, do not reported only in accordance with the reference at reference center, also according to by the electronic equipment institute of monitoring party The number of the debt-credit App of installation.The reference report at reference center is according to by the track record of monitoring party reference report generated It accuses, in addition the number for the debt-credit App that electronic equipment is currently installed is as to by the credit air control parameter of monitoring party, it can be into one Step is promoted to the accuracy identified by the credit grade of monitoring party.

Step S1, when determination can for it is described supervision account is opened up by monitoring party when, open up one by monitoring party to be described Supervise account, wherein the supervision account includes supervision fund pool and non-administrated fund pool.It will be by the information and supervision of monitoring party The information of side is associated.

It will be understood by those skilled in the art that the money by the unusable supervision fund pool of monitoring party Gold, but the fund in the non-administrated fund pool can be used, i.e., the fund in non-administrated fund pool is for by monitoring party freedom Expenditure.

It is described to be included, but are not limited to by the information of monitoring party in the present embodiment, it is for example personal by the identity information of monitoring party The information such as identification card number, the business license of enterprise, the ID card No. of responsible person, address, contact method.The supervision The information of side includes, but are not limited to, and the identity information of the monitoring party such as business license of the identification card number of individual, enterprise is responsible for The information such as ID card No., address, the contact method of people.

It in one embodiment, can also be to open Internetbank for the supervision account.

Step S2, the project plan sended over by the electronic equipment of monitoring party is received, the project plan includes Project information and the estimate for a project amount of money.

In the present embodiment, project information included by the project plan may include that project label (use by the project label In distinguishing different project, can be and be made of number and/or letter), institute included by project name and the project plan There are the information such as subject and each section's purpose budget amount.

In one embodiment, the estimate for a project amount of money is equal to all section's purpose budget gold included by the project The sum of volume.

For example, it is assumed that project label is that the project plan of " P1 " is to build a milk tea shop, then the project plan institute Including multiple subjects can have such as " labour cost ", " fee of material " etc..

In an embodiment of the present invention, the project plan be can be by being mounted on the electronic equipment by monitoring party Application program obtains.For example, by special fund supervising platform APP is equipped on the electronic equipment of monitoring party, existed by monitoring party After being registered on the special fund supervising platform APP, described in the special fund supervising platform APP will be uploaded by monitoring party The project plan is sent to the server of the bank.The server of bank is ready to receive to arrive the project plan.

In another embodiment of the present invention, the project plan, which is also possible to supervise in webpage in special fund, to be obtained 's.For example, the website will be by the project plan of monitoring party by monitoring party after logging in special fund supervision website registration It is sent to the server of bank.

Step S3, determine whether the project plan needs monitoring party to examine according to preset examination & approval rule.Work as institute When stating the project plan monitoring party being needed to examine, step S4 is executed, and executes step S5 after executing the step S4.When the project When plan does not need monitoring party examination & approval, step S6 is executed.

In one embodiment, the preset examination & approval rule can be that monitoring party is needed to examine or do not need to supervise The examination & approval of pipe side.I.e. when the preset examination & approval rule refers to that then process goes to step automatically when monitoring party being needed to examine S4.When the preset rule, which refers to, does not need monitoring party examination & approval, then process goes to step S6 automatically.

In other embodiments, the preset examination & approval rule may also mean that the estimate for a project amount of money is greater than Monitoring party is needed to examine when one preset cost, the estimate for a project amount of money is not required to when being less than or equal to the preset cost Monitoring party is wanted to examine.Monitoring party examination & approval are determined the need for according to the estimate for a project amount of money.

Step S4, it when determining that the project plan needs monitoring party to examine, sends and examines to the electronic equipment of monitoring party Notice, notice monitoring party examines the project plan, and receives approval results transmitted by the electronic equipment of monitoring party (i.e. examination & approval pass through or do not pass through), wherein the examination & approval notify to carry project information included by the project plan and The estimate for a project amount of money.

Specifically, monitoring party can the project information according to included by the project plan and the estimate for a project amount of money come pair Institute's project plan carries out assessment examination & approval.

In an embodiment of the present invention, the monitoring party can be by the application that is mounted on the electronic equipment of monitoring party Program examines the project plan.For example, being equipped with special fund supervising platform on the electronic equipment of monitoring party APP, monitoring party on the special fund supervising platform APP register after, can be from the special fund supervising platform APP Shang couple The project plan is examined.Monitoring party approval results are sent the bank by the special fund supervising platform APP Server, the server of the bank approval results ready to receive to the monitoring party.

Specifically, the special fund supervising platform APP of the electronic equipment of the monitoring party receive examine it is logical When knowing, project information included by the project plan and the estimate for a project can be shown on the electronic equipment of the monitoring party The amount of money, and show a dialog box, the examination & approval of the project plan are determined in the selection operation of the dialog box according to monitoring party Do not pass through the result is that examination & approval pass through or examine.

In another embodiment of the present invention, the approval results, which are also possible to supervise in webpage in special fund, to be obtained 's.For example, monitoring party is after logging in special fund supervision website registration, the approval results of monitoring party are sent to silver by the website Capable server.

Step S5, approval results determine whether to notice and modify the project plan by monitoring party based on the received. When determination will notify to modify the project plan by monitoring party, the project meter is modified to being sent by the electronic equipment of monitoring party The amendment advice drawn, and step S2 is returned to after issuing the amendment advice, it receives and is repaired by what the electronic equipment of monitoring party was sent The project plan after changing.When determining without notifying to modify the project plan by monitoring party, step S6 is executed.

Specifically, obstructed out-of-date to examine when the approval results, then it is repaired to described in the electronic equipment transmission by monitoring party Change notice.When the approval results are that examination & approval pass through, it is determined that modify the project plan by monitoring party without notifying.

Step S6, whether supervision account described in real-time monitoring, which has, is carried out account fund, and carrys out account fund when the supervision account has When, it is determined whether to it is described come account fund supervise.If it is determined that should not to it is described come account fund supervise, execute step S7.If it is determined that will to it is described come account fund supervise, execute step S8.

In one embodiment, it is determined whether to it is described come account fund carry out supervision include:

(a1) obtain it is described come account fund corresponding to account.

(a2) by it is described come account fund corresponding to account with it is preset come account list be compared, determine it is described come account money Account corresponding to gold whether it is preset come account list on.

(a3) if it is described come account fund corresponding to account it is described it is preset come account list on, it is determined that it is described come account money Gold is supervised.If it is described come account fund corresponding to account no longer it is described it is preset come account list on, it is determined that it is described Carry out account fund not needing to be supervised.

Step S7, when determination should not to it is described come account fund supervise when, by it is described come account fund be divided into the supervision The non-administrated fund pool of account.So that it is described by monitoring party can be used it is described come account fund.

Step S8, when determination will to it is described come account fund supervise when, by it is described come account fund be divided into the supervision account The supervision fund pool at family, thus limit it is described by monitoring party to it is described come account fund use.According to the project plan The fund supervised in fund pool is assigned under the project of the project plan by the estimate for a project amount of money.

In one embodiment, the estimate for a project amount of money according to the project plan, will be in supervision fund pool Fund is assigned under the project of the project plan

(b1) it is more described come account fund the amount of money and the project budget amount of money.

(b2) if it is described come account fund the amount of money be less than or equal to the estimate for a project amount of money, by it is described come account provide It is golden to be all divided under the project.If it is described come account fund the amount of money be greater than the estimate for a project amount of money, will be described The budget amount in account fund is divided into the project.

Step S9, the expenditure sended over by the electronic equipment of monitoring party is received to request, wherein the expenditure request include The project information of the project plan and the amount of money to be paid of the project.

In an embodiment of the present invention, the expenditure request be can be by being mounted on the electronic equipment by monitoring party Application program obtains.Still as previously described, special fund supervising platform APP, quilt are installed on the electronic equipment of monitoring party The server that the expenditure request is sent to the bank in the special fund supervising platform APP of monitoring party.Bank Server is ready to receive to request to the expenditure.

In another embodiment of the present invention, the expenditure request, which is also possible to supervise in webpage in special fund, to be obtained 's.For example, the website will be requested to send by the expenditure of monitoring party by monitoring party after logging in special fund supervision website To the server of bank.

Step S10, it is determined whether to according to the amount of money to be paid of the project with fund assigned by the project Notice is modified the expenditure by monitoring party and is requested.If it is determined that notify to be modified the expenditure request by monitoring party, to by monitoring party Electronic equipment issue the amendment advice of the modification expenditure request, and return to step S9 after issuing the amendment advice, connect The modified expenditure issued by the electronic equipment of monitoring party is received to request.If it is determined that modifying the expenditure by monitoring party without notice Request, thens follow the steps S11.

In the present embodiment, when the amount of money that the project to be paid is less than or equal to fund assigned by the project When, determine that modifying the expenditure by monitoring party without notice requests.When the amount of money that the project to be paid is greater than the project When assigned fund, determination need to notify to be modified the expenditure request by monitoring party.

Step S11, freeze the amount of money to be paid of the project from the fund that the project is distributed.

Specifically, after having freezed the amount of money that the project to be paid in the fund that the project is distributed, if By monitoring party have also been proposed one with the project be by expenditure request when, then the expenditure request of the project previously proposed is made Fund guarantee.

Step S12, money verifying is executed out to the amount of money to be paid of the project according to preset money Validation Mode out.

In one embodiment, the preset money Validation Mode out includes bank validation mode and monitoring party verifying mould Formula.The bank validation mode, which refers to according to the data relevant to the project plan handed over by monitoring party to bank institute face, to be held Row goes out money verifying.The monitoring party Validation Mode refer to by obtain the monitoring party confirm the signal of money execute it is described go out Money verifying.

In the present embodiment, the data relevant to the project plan include the identifying data by monitoring party for example Other data relevant to the project plan such as business license, identity card.

In the present embodiment, it can pre-set using bank validation mode or monitoring party Validation Mode to the item The amount of money to be paid of mesh executes out money verifying.

In the present embodiment, when it is described go out money Validation Mode be bank validation mode when, in receive acknowledge receipt of it is described with When the confirmation signal of the relevant data of the project plan, determine the amount of money that the project to be paid by going out money verifying.

For example, bank clerk receives the relevant data of the project plan handed over by monitoring party institute face in sales counter Afterwards, the special fund prison that bank clerk can be installed on an electronic device of the server communication connection with bank Pipe platform APP/ special fund supervises the specified ACK button of webpage click, the special fund supervising platform APP/ special fund Supervision webpage then to the server of the bank send the confirmation signal to bank server so that the bank Server can receive the confirmation signal.

In the present embodiment, when it is described go out money Validation Mode be monitoring party Validation Mode when, in receive monitoring party transmission When verifying data, determine that the amount of money that the project to be paid is verified by going out money.

In the present embodiment, the verifying data can refer to the mobile phone identifying code that monitoring party submitted, U-shield code.

In one embodiment, monitoring party can be sent by the application program being mounted on the electronic equipment of monitoring party The verifying data.For example, be equipped with special fund supervising platform APP on the electronic equipment of monitoring party, monitoring party described After registering on special fund supervising platform APP, the verifying data can be sent from the special fund supervising platform APP.Institute State the server that the verifying data that special fund supervising platform APP is submitted monitoring party is sent to the bank, the clothes of bank The business device verifying data ready to receive to the monitoring party.

In other embodiments, described that the amount of money to be paid of the project is executed according to preset money Validation Mode out Money, which is verified, out includes:

(c1) determine whether the amount of money that the project to be paid is greater than a preset value, if what the project to be paid The amount of money is greater than the preset value, determines and uses the bank validation mode；If the amount of money to be paid of the project be less than or Equal to the preset value, determines and use the monitoring party Validation Mode.

(c2) when it is described go out money Validation Mode be bank validation mode when, in receive acknowledge receipt of it is described with the project When planning the confirmation signal of relevant data, determine that the amount of money that the project to be paid is verified by going out money.

For example, bank clerk receives the relevant data of the project plan handed over by monitoring party institute face in sales counter Afterwards, the special fund prison that bank clerk can be installed on an electronic device of the server communication connection with bank Pipe platform APP/ special fund supervises the specified ACK button of webpage click, the special fund supervising platform APP/ special fund Supervision webpage then to the server of the bank send the confirmation signal to bank server so that the service of bank Device can receive the confirmation signal.

(c3) when it is described go out money Validation Mode be monitoring party Validation Mode when, in receive monitoring party transmission verifying data When, determine that the amount of money that the project to be paid is verified by going out money.

In one embodiment, monitoring party can be sent by the application program being mounted on the electronic equipment of monitoring party The verifying data.For example, be equipped with special fund supervising platform APP on the electronic equipment of monitoring party, monitoring party described After registering on special fund supervising platform APP, the verifying data can be sent from the special fund supervising platform APP.Institute State the server that the verifying data that special fund supervising platform APP is submitted monitoring party is sent to bank, the server of bank Verifying data ready to receive to the monitoring party.

Step S13, when the amount of money to be paid of the project is by going out money verifying, will be frozen from the supervision account The amount of money to be paid of the project of knot is discharged into the non-administrated fund pool of the supervision account.

In conclusion credit air control management method described in the embodiment of the present invention, by obtaining by the credit of monitoring party Relevant information, the credit relevant information include the institute obtained according to the identity information by monitoring party from the inquiry of reference center State the debt-credit App number installed on the reference record of monitoring party, the electronic equipment by monitoring party；And call instruction in advance Practice the credit grade identification model generated, the credit by monitoring party is identified by the credit relevant information of monitoring party according to described Grade；Wherein, obtaining the debt-credit App number installed on the electronic equipment by monitoring party includes: with described by monitoring party Electronic equipment establish communication connection, obtain the title of each App installed on the electronic equipment of the monitoring party；According to institute The title for stating each App determines whether there is debt-credit App；And the debt-credit installed on the statistics electronic equipment by monitoring party The number of App can solve in the prior art by the defect of artificial experience evaluation customers' credit, can to improve review result By property, and improve system evaluation efficiency.

Above-mentioned Fig. 2 describes credit air control management method of the invention in detail, below with reference to Fig. 3 to Fig. 4, respectively to realization The functional module of the software service of the credit air control management method and the hardware dress for realizing the credit air control management method Framework is set to be introduced.

It should be appreciated that the embodiment is only purposes of discussion, do not limited by this structure in patent claim.

Embodiment three

As shown in fig.3, being the structure chart for the credit air control managing device that the embodiment of the present invention three provides.

In some embodiments, the credit air control managing device 30 is run in server.The server can be The server of bank.The server passes through the electronic equipment being connected to the network by the electronic equipment of monitoring party and monitoring party.It is described Credit air control managing device 30 may include functional module composed by multiple program code segments as computer program.The letter Can store in the memory of server with the program code of each program segment in air control managing device 30, and by it is described extremely Performed by a few processor, to execute credit air control management (being detailed in Fig. 2 description).

In the present embodiment, function of the credit air control managing device 30 according to performed by it can be divided into multiple Functional module.The functional module may include: execution module 301, identification module 302.The so-called module of the present invention refers to one Kind performed by least one processor and the series of computation machine program segment of fixed function can be completed, be stored in In memory.In the present embodiment, it will be described in detail in subsequent embodiment about the function of each module.

Execution module 301 is to open up a supervision account by monitoring party, wherein the supervision account includes supervision fund pool With non-administrated fund pool.Execution module 301 will be associated by the information of the information of monitoring party and monitoring party.

In one embodiment, execution module 301 can also be to open Internetbank for the supervision account.

In one embodiment, for it is described the supervision account is opened by monitoring party before, identification module 302 also identifies The credit grade by monitoring party.

In one embodiment, when it is described preset grade is reached by the credit grade of monitoring party when, execution module 301 is true Surely the supervision account can be opened up by monitoring party to be described, the supervision account is opened up by monitoring party to be described.Conversely, working as institute It states when not reaching default grade by the credit grade of monitoring party, 301 determination of execution module cannot be described by monitoring party Open up the supervision account.

Preferential, the method for the training of the identification module 302 credit grade identification model includes:

Execution module 301 receives the project plan sended over by the electronic equipment of monitoring party, the project plan Including project information and the estimate for a project amount of money.

In the present embodiment, project information included by the project plan may include that project label (use by the project label In distinguishing different project, can be and be made of number and/or letter), institute included by project name and the project plan There are the information such as subject and each section's purpose budget amount.In one embodiment, the estimate for a project amount of money is equal to described The sum of all section's purpose budget amounts included by project.

In an embodiment of the present invention, the project plan be can be by being mounted on the electronic equipment by monitoring party Application program obtains.For example, by special fund supervising platform APP is equipped on the electronic equipment of monitoring party, existed by monitoring party After being registered on the special fund supervising platform APP, described in the special fund supervising platform APP will be uploaded by monitoring party The project plan is sent to the server of the bank.The server of bank is ready to receive to arrive the project plan.Mould is executed as a result, Block 301 can receive the project plan sended over by the electronic equipment of monitoring party.

Execution module 301 determines whether the project plan needs monitoring party to examine according to preset examination & approval rule.

In one embodiment, the preset examination & approval rule can be that monitoring party is needed to examine or do not need to supervise The examination & approval of pipe side.

When determining that the project plan needs monitoring party to examine, execution module 301 is sent to the electronic equipment of monitoring party Examination & approval notice, notice monitoring party examines the project plan, and receives examination & approval transmitted by the electronic equipment of monitoring party As a result (i.e. examination & approval pass through or do not pass through), wherein the examination & approval notice carries project information included by the project plan And the estimate for a project amount of money.

Approval results determine whether to notify to modify the project meter by monitoring party execution module 301 based on the received It draws.When determination will notify to modify the project plan by monitoring party, the item is modified to being sent by the electronic equipment of monitoring party The amendment advice of mesh plan, and after issuing the amendment advice, it receives by the modified of the electronic equipment transmission of monitoring party The project plan.

When the project plan does not need monitoring party examination & approval, whether supervision account described in 301 real-time monitoring of execution module Have and carry out account fund, and when the supervision account have carry out account fund when, it is determined whether to it is described come account fund supervise.

(a1) obtain it is described come account fund corresponding to account.

When determination should not to it is described come account fund supervise when, execution module 301 by it is described come account fund be divided into described in Supervise the non-administrated fund pool of account.So that it is described by monitoring party can be used it is described come account fund.

When determination will to it is described come account fund supervise when, execution module 301 by it is described come account fund be divided into the prison The supervision fund pool of pipe account, thus limit it is described by monitoring party to it is described come account fund use.According to the project meter The fund supervised in fund pool is assigned under the project of the project plan by the estimate for a project amount of money drawn.

Execution module 301 receives the expenditure sended over by the electronic equipment of monitoring party and requests, wherein the expenditure request Project information and the amount of money to be paid of the project including the project plan.

Execution module 301 determines whether according to the amount of money to be paid of the project with fund assigned by the project It notifies to be modified the expenditure request by monitoring party.If it is determined that notify to be modified the expenditure request by monitoring party, to being supervised The electronic equipment of side issues the amendment advice of the modification expenditure request, after receiving the modification issued by the electronic equipment of monitoring party Expenditure request.

It is requested if it is determined that modifying the expenditure by monitoring party without notice, execution module 301 is distributed from the project Freeze the amount of money to be paid of the project in fund.

Execution module 301 executes out money to the amount of money to be paid of the project according to preset money Validation Mode out and tests Card.

When the amount of money that the project to be paid is by going out money verifying, execution module 301 will from the supervision account The amount of money to be paid of the project freezed is discharged into the non-administrated fund pool of the supervision account.

In conclusion credit air control managing device described in the embodiment of the present invention, by obtaining by the credit of monitoring party Relevant information, the credit relevant information include the institute obtained according to the identity information by monitoring party from the inquiry of reference center State the debt-credit App number installed on the reference record of monitoring party, the electronic equipment by monitoring party；And call instruction in advance Practice the credit grade identification model generated, the credit by monitoring party is identified by the credit relevant information of monitoring party according to described Grade；Wherein, obtaining the debt-credit App number installed on the electronic equipment by monitoring party includes: with described by monitoring party Electronic equipment establish communication connection, obtain the title of each App installed on the electronic equipment of the monitoring party；According to institute The title for stating each App determines whether there is debt-credit App；And the debt-credit installed on the statistics electronic equipment by monitoring party The number of App can solve in the prior art by the defect of artificial experience evaluation customers' credit, can to improve review result By property, and improve system evaluation efficiency.

Example IV

As shown in fig.4, the structural schematic diagram of the server provided for the embodiment of the present invention four.Preferably implement of the invention In example, the server 3 can be the server of bank.The server 3 include memory 31, at least one processor 32, At least one communication bus 33.

It will be understood by a person skilled in the art that the structure of the server shown in Fig. 4 does not constitute the limit of the embodiment of the present invention Fixed, either bus topology, is also possible to star structure, the server 3 can also include more more or less than illustrating Other hardware perhaps software or different component layouts.

In some embodiments, the server 3 include it is a kind of can according to the instruction for being previously set or storing, automatically into Line number value calculates and/or the terminal of information processing, and hardware includes but is not limited to microprocessor, specific integrated circuit, may be programmed Gate array, digital processing unit and embedded device etc..

It should be noted that the server 3 is only for example, other existing or electronic products for being likely to occur from now on are such as It is adaptable to the present invention, should also be included within protection scope of the present invention, and is incorporated herein by reference.

In some embodiments, the memory 31 is used to store program code and various data, such as is mounted on described Credit air control managing device 30 in server 3, and in the operational process of server 3 realize high speed, be automatically completed program Or the access of data.The memory 31 includes read-only memory (Read-Only Memory, ROM), random access memory (Random Access Memory, RAM), programmable read only memory (Programmable Read-Only Memory, PROM), Erasable Programmable Read Only Memory EPROM (Erasable Programmable Read-Only Memory, EPROM), one Secondary programmable read only memory (One-time Programmable Read-Only Memory, OTPROM), electronics erasing type Can make carbon copies read-only memory (Electrically-Erasable Programmable Read-Only Memory,

EEPROM), CD-ROM (Compact Disc Read-Only Memory, CD-ROM) or other optical disc storages Device, magnetic disk storage, magnetic tape storage or can be used in carry or storing data it is computer-readable any other storage Medium.

In some embodiments, at least one described processor 32 can be made of integrated circuit, such as can be by single The integrated circuit of encapsulation is formed, and is also possible to be made of the integrated circuit that multiple identical functions or different function encapsulate, be wrapped Include one or more central processing unit (Central Processing unit, CPU), microprocessor, digital processing chip, The combination etc. of graphics processor and various control chips.At least one described processor 32 is the control core of the server 3 (Control Unit), using all parts of various interfaces and the entire server 3 of connection, by running or executing storage Program or module in the memory 31, and the data being stored in the memory 31 are called, to execute service The various functions and processing data of device 3, such as execute the function of credit air control management.

In some embodiments, at least one communication bus 33 is arranged to realize the memory 31 and described Connection communication between at least one processor 32 etc..

Although being not shown, the server 3 can also include the power supply (such as battery) powered to all parts, preferably , power supply can be logically contiguous by electric power controller and at least one described processor 32, to be filled by power management Set the functions such as realization management charging, electric discharge and power managed.Power supply can also include one or more direct current or friendship Galvanic electricity source, recharging device, power failure detection circuit, power adapter or inverter, power supply status indicator etc. are any Component.The server 3 can also include multiple sensors, bluetooth module, Wi-Fi module etc., and details are not described herein.

The above-mentioned integrated unit realized in the form of software function module, can store and computer-readable deposit at one In storage media.Above-mentioned software function module is stored in a storage medium, including one or more instructions are used so that one Computer equipment (can be personal computer, terminal or the network equipment etc.) or processor (processor) execute the present invention The part of each embodiment the method.

In a further embodiment, in conjunction with Fig. 3, the behaviour of the server 3 is can be performed at least one described processor 32 Types of applications program (credit air control managing device 30 as mentioned), the program code etc. for making device and installation, for example, above-mentioned Modules.

The program code of computer program is stored in the memory 31, and at least one described processor 32 can call The program code stored in the memory 31 is to execute relevant function.For example, modules described in Fig. 3 are stored in Program code in the memory 31, and as performed by least one described processor 32, to realize the modules Function to achieve the purpose that credit air control management.

In one embodiment of the invention, the memory 31 stores multiple instruction, the multiple instruction by it is described extremely A few processor 32 is performed to realize credit air control management.

Specifically, at least one described processor 32 can refer to the corresponding implementation of Fig. 2 to the concrete methods of realizing of above-metioned instruction The description of correlation step in example, this will not be repeated here.

In several embodiments provided by the present invention, it should be understood that disclosed device and method can pass through it Its mode is realized.For example, the apparatus embodiments described above are merely exemplary, for example, the division of the module, only Only a kind of logical function partition, there may be another division manner in actual implementation.

The module as illustrated by the separation member may or may not be physically separated, aobvious as module The component shown may or may not be physical unit, it can and it is in one place, or may be distributed over multiple In network unit.Some or all of the modules therein can be selected to realize the mesh of this embodiment scheme according to the actual needs 's.

It, can also be in addition, each functional module in each embodiment of the present invention can integrate in one processing unit It is that each unit physically exists alone, can also be integrated in one unit with two or more units.Above-mentioned integrated list Member both can take the form of hardware realization, can also realize in the form of hardware adds software function module.

It is obvious to a person skilled in the art that invention is not limited to the details of the above exemplary embodiments, Er Qie In the case where without departing substantially from spirit or essential attributes of the invention, the present invention can be realized in other specific forms.Therefore, no matter From the point of view of which point, the present embodiments are to be considered as illustrative and not restrictive, and the scope of the present invention is by appended power Benefit requires rather than above description limits, it is intended that all by what is fallen within the meaning and scope of the equivalent elements of the claims Variation is included in the present invention.Any reference signs in the claims should not be construed as limiting the involved claims.This Outside, it is clear that one word of " comprising " is not excluded for other units or, odd number is not excluded for plural number.The multiple units stated in device claim Or device can also be implemented through software or hardware by a unit or device.The first, the second equal words are used to indicate name Claim, and does not indicate any particular order.

Finally it should be noted that the above examples are only used to illustrate the technical scheme of the present invention and are not limiting, although reference Preferred embodiment describes the invention in detail, those skilled in the art should understand that, it can be to of the invention Technical solution is modified or equivalent replacement, without departing from the spirit and scope of the technical solution of the present invention.

Claims

1. a kind of credit air control management method is applied in server, which is characterized in that the described method includes:

It obtains by the credit relevant information of monitoring party, the credit relevant information includes by reference record, the quilt of monitoring party The debt-credit App number installed on the electronic equipment of monitoring party；

The credit grade identification model that training generates in advance is called, according to the credit relevant information identification by monitoring party By the credit grade of monitoring party；And

Determined whether to open up supervision account by monitoring party to be described by the credit grade of monitoring party according to described, wherein when described When reaching preset grade by the credit grade of monitoring party, the supervision account is opened up by monitoring party to be described；It is supervised when described When the credit grade of Guan Fang does not reach default grade, determination cannot open up the supervision account by monitoring party to be described；

Wherein, obtaining the debt-credit App number installed on the electronic equipment by monitoring party includes: with described by monitoring party Electronic equipment establishes communication connection, obtains the title of each App installed on the electronic equipment of the monitoring party；

Debt-credit App is determined whether there is according to the title of each App；And

Count the number of the debt-credit App installed on the electronic equipment by monitoring party.

2. credit air control management method as described in claim 1, which is characterized in that the title according to each App Determining whether there is debt-credit App includes:

The title of each App installed on the electronic equipment by monitoring party text relevant to preset debt-credit is carried out Compare；

If the title of some App installed on the electronic equipment by monitoring party text phase relevant to preset debt-credit Match, it is determined that some described App is debt-credit App, wherein the title of some App text phase relevant to preset debt-credit Matching refers to that the title of some App and the relevant text of preset debt-credit be completely the same or the preset debt-credit phase The text of pass includes one or more texts in text corresponding to the title of some App；And

If the title of some App text relevant to preset debt-credit mismatches, it is determined that some described App is not debt-credit App。

3. credit air control management method as described in claim 1, which is characterized in that the title according to each App Determining whether there is debt-credit App includes:

According to the title of each App from specified software store, application introduction corresponding with each App is obtained, wherein Application introduction corresponding with each App refers to the introduction to the function of App；

Determine application corresponding with each App in introducing with the presence or absence of specified keyword；

If there is specified keyword in introducing in application corresponding with some App, it is determined that some described App is debt-credit App；And

If specified keyword is not present in introducing in application corresponding with some App, it is determined that some described App is not debt-credit App。

4. credit air control management method as described in claim 1, which is characterized in that the method also includes the training credits Grade identification model, the training credit grade identification model include:

The credit relevant information corresponding from different credit grades of preset quantity is obtained, and to right with every kind of credit grade institute The credit relevant information mark classification answered, so that carrying classification mark with credit relevant information corresponding to every kind of credit grade Label；

Respectively by credit relevant information corresponding from the different credit grades be randomly divided into the first preset ratio training set and The verifying collection of second preset ratio using the training set training credit grade identification model, and is collected using the verifying The accuracy rate of the credit grade identification model after verifying training；

If the accuracy rate is more than or equal to default accuracy rate, terminate to train；And

If the accuracy rate is less than the default accuracy rate, increases sample size and identified with credit grade described in re -training Model is until the accuracy rate is more than or equal to default accuracy rate.

5. credit air control management method as described in claim 1, which is characterized in that the method is opened in be described by monitoring party If after the supervision account, further includes:

Receive the project plan sended over by the electronic equipment of monitoring party, the project plan include project information and The estimate for a project amount of money；

When determining that the project plan needs monitoring party to examine, examination & approval notice, notice prison are sent to the electronic equipment of monitoring party Guan Fang examines the project plan, and receives approval results transmitted by the electronic equipment of monitoring party, wherein described to examine It criticizes notice and carries project information included by the project plan and the estimate for a project amount of money；

Approval results determine whether to notice and modify the project plan by monitoring party based on the received, when determination will notify When modifying the project plan by monitoring party, lead to the modification for modifying the project plan is sent by the electronic equipment of monitoring party Know, and receives the modified project plan sended over by the electronic equipment of monitoring party；

Whether supervision account described in real-time monitoring has and carrys out account fund, and when the supervision account have carry out account fund when, it is determined whether Will to it is described come account fund supervise；

When determination should not to it is described come account fund supervise when, by it is described come account fund be divided into it is described supervision account it is non-administrated Fund pool；

When determination will to it is described come account fund supervise when, by it is described come account fund be divided into it is described supervision account supervision fund Pond, and according to the estimate for a project amount of money of the project plan, the fund supervised in fund pool is assigned to the project plan Project under.

6. credit air control management method as claimed in claim 5, which is characterized in that it is described determine whether to it is described come account money Gold carries out supervision

Obtain it is described come account fund corresponding to account；

By it is described come account fund corresponding to account with it is preset come account list be compared, determine it is described come account fund corresponding to Account whether it is preset come account list on；And

If it is described come account fund corresponding to account it is described it is preset come account list on, it is determined that it is described come account financial need into Row supervision；If it is described come account fund corresponding to account no longer it is described it is preset come account list on, it is determined that it is described come account fund It does not need to be supervised.

7. credit air control management method as claimed in claim 5, which is characterized in that the method also includes:

It receives the expenditure sended over by the electronic equipment of monitoring party to request, wherein the expenditure request includes the project meter The project information and the amount of money to be paid of the project drawn；

Freeze the amount of money to be paid of the project from the fund that the project is distributed；

When the amount of money that the project to be paid is by going out money verifying, from the project supervised and will freezed in account The amount of money to be paid is discharged into the non-administrated fund pool of the supervision account.

8. a kind of credit air control managing device, runs in server, which is characterized in that described device includes:

Identification module, for obtaining by the credit relevant information of monitoring party, the credit relevant information includes described by monitoring party Reference record, the debt-credit App number installed on the electronic equipment by monitoring party；

The identification module is also used to call the credit grade identification model that training generates in advance, according to described by monitoring party Credit relevant information identifies the credit grade by monitoring party；And

Execution module, for being determined whether to open up supervision account by monitoring party to be described by the credit grade of monitoring party according to described Family, wherein when it is described preset grade is reached by the credit grade of monitoring party when, the supervision account is opened up by monitoring party to be described Family；When it is described default grade is not reached by the credit grade of monitoring party when, determination cannot be opened up by monitoring party to be described The supervision account；

Wherein, the identification module obtains the debt-credit App number installed on the electronic equipment by monitoring party and includes:

Establish and communicate to connect with the electronic equipment by monitoring party, obtain installed on the electronic equipment of the monitoring party it is every The title of a App；

9. a kind of server, which is characterized in that the server includes processor, and the processor is deposited for executing in memory The credit air control management method as described in claim 1 to 7 any one is realized when the computer program of storage.

10. a kind of computer readable storage medium, is stored thereon with computer program, which is characterized in that the computer program The credit air control management method as described in claim 1 to 7 any one is realized when being executed by processor.