Credit limit management and control system and method, and readable storage medium

Abstract

The invention provides a credit limit management and control system and method, and a readable storage medium. The method comprises steps of building a plurality of credit limit nodes, and carrying out the classified recording of the identification information and credit description information of a customer corresponding to the corresponding credit limit nodes; the limit attribute information comprising different types of credit limits and a plurality of limit attributes of the different types of credit limits, and dynamically configuring a plurality of first control relationships for realizing limit adjustment among a plurality of credit attributes contained in the corresponding credit limit nodes. According to the method, the first control relations between different credit limit nodes and the plurality of second control relations for realizing limit adjustment between different credit limit nodes are established, and the corresponding control relations are directly called and executed in the actual credit limit management and control process, so the method and the system are simple and convenient, configurability and expandability of the system are realized, and the requirement of any limit management and control dimension of financial institutions is met; and the market response capability, the risk management and control capability and the product innovation capability of financial institutions are improved.

Description

technical field [0001] The present application relates to the technical field of data processing, and more specifically relates to a credit limit management and control system, method and readable storage medium. Background technique [0002] Credit limit control is an important part of the risk control of financial institutions such as commercial banks. At present, flat or tree-shaped credit limit control methods are usually used to effectively prevent the occurrence of credit risks and improve the asset security of financial institutions. [0003] However, the existing tiled credit line management and control method is to display the credit lines in a tiled manner, and perform cyclic enumeration and matching on each credit line according to the preset control relationship, but since the control relationship is through a fixed It is implemented by coding, and the mutual influence relationship between different credit lines needs to be maintained manually. It does not suppor...

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Problems solved by technology

[0003] However, the existing tiled credit line management and control method is to display the credit lines in a tiled manner, and perform cyclic enumeration and matching on each credit line according to the preset control relationship, but since the control relationship is through a fixed It is implemented by coding, and the mutual influence relationship between different credit lines needs to be maintained manually. It does not support expansion, and it is difficult to support credit schemes with complex relationships.

[0004] The above-mentioned tree-type credit line control method is to arrange the credit line objects according to the upper and lower levels to form a tree structure, so that the change of the lower-level credit line affects the change of the upper-level credit line, but the classification model supported by this tree structure is single. It is only compatible with the credit line control of the superior-subordinate relationship, which cannot meet the business development needs of large-scale financial institutions

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