Profit sharing calculation method for associated credit indexes

Abstract

The invention discloses a profit sharing calculation method for associated credit indexes. The method comprises the steps of A, generating complete loan order information; B, classifying the loan order information and packaging to generate an asset package; C, calculating the overdue rate and the on-loan balance of the asset package; D, setting a profit sharing parameter list; E, associating the asset package with the profit sharing parameter list; and F, completing transfer after profit sharing calculation. Profit sharing conditions and asset conditions can be organically combined to form anobjective and close relationship, platform profit sharing pricing, platform profit sharing proportion and credit indexes are ingeniously associated, differentiated management of a partner based on asset package dimension profit sharing is realized based on credit index association profit sharing rules, and the profit sharing efficiency of a partner is improved. Reasonable profit sharing based on the difference condition of assets is facilitated.

Description

technical field [0001] The invention relates to the field of Internet finance, in particular to a profit sharing calculation method for associated credit indicators. Background technique [0002] In the process of bank operations, the existing partner profit sharing management mechanism is mainly based on the historical asset performance of the cooperation platform, comprehensively analyzing various conditions such as platform qualifications, and negotiating with the partner, and then calculating a suitable profit sharing index. As a standard value of platform profit sharing. [0003] The current profit sharing management method mainly discusses the profit sharing situation based on the performance of the current or historical assets of the bank’s partners at the time of signing the contract. It does not take into account the differences in the bank’s asset package itself formed after the later repayment. Effectively forming an objective and close relationship between the d...

AI Technical Summary

Problems solved by technology

[0003] The current profit sharing management method mainly discusses the profit sharing situation based on the performance of the current or historical assets of the bank's partners at the time of signing the contract, without considering the differences in the bank's asset package itself formed after the later repayment, and cannot Effectively form an objective and close relationship between the situation of profit sharing and the situation of the assets themselves, which is not conducive to the reasonable profit distribution calculation of the assets

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