Credit line management method and system, electronic device and storage medium

A technology of management system and management method, which is applied in the fields of credit line management methods, systems, electronic equipment and storage media, can solve the problems of inability to realize multi-level and multi-layer risk control, single control means, etc., and achieve the effect of realizing diversified control

Pending Publication Date: 2021-07-23
上海数禾信息科技有限公司
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AI Technical Summary

Problems solved by technology

[0006] The embodiment of the present invention provides a credit line management method, system, electronic equipment and storage medium, which can solve the need that the existing credit line control technology has too single control means for single credit line control and cannot realize multi-level and multi-layer risk control The problem

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  • Credit line management method and system, electronic device and storage medium
  • Credit line management method and system, electronic device and storage medium
  • Credit line management method and system, electronic device and storage medium

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Embodiment Construction

[0042] In order to make the objects, technical solutions, and advantages of the present invention more clearly, the technical solutions in the embodiments of the present invention will be described in contemplation in the embodiments of the present invention, and will be described, and the embodiments described herein will be described. It is merely the embodiment of the invention, not all of the embodiments. Based on the embodiments of the present invention, there are all other embodiments obtained without making creative labor without making creative labor premises.

[0043] The present invention and the scope of the invention and the terms "first", "second", "third" "third" "third" "" fourth ", and the third" "third" "" fourth ", and the third" "fourth", which are used to distinguish the similar object without Describe specific order or prior order. It should be understood that the data such as use can be interchanged in place so that the embodiments of the invention described ...

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Abstract

The invention provides a credit line management method and system, an electronic device and a storage medium, and the method comprises the steps: obtaining a credit line account corresponding to user information according to the user information, and the user information corresponding to a unique credit line account; based on the user information, the credit line account and a credit line calculation strategy preset in each node in a credit account tree, obtaining a credit line corresponding to each node in the credit account tree, the credit account tree being in one-to-one correspondence with the credit line account, and the credit account tree being pre-constructed; and obtaining the total credit line of the credit account tree according to the credit line corresponding to each node and the credit account tree. The method provided by the invention can be compatible with a historical account system, and the newly introduced service type can be rapidly iterated.

Description

Technical field [0001] The present invention relates to the field of financial technologies, in particular, to a credit rating management method, system, electronic device, and storage medium. Background technique [0002] In the financial credit system, as the business is evolving, the account structure tends to diversify, such as large amounts of loans, small micro-loans, and flowers, white strips, etc. Different accounts are more and more complicated to the amount and risk strategy, and the new business scene is constantly challenging, and the historical account system is compatible with a greater challenge. [0003] The existing credit quota management system is primarily single-threaded, and the risk sustained by the fixed single risk body is achieved in one-to-one or more way. The existing credit quota management system is difficult to adapt to the Group's customers, the multi-protocol collection for multi-product, multi-client complex business scenarios, the main risk of c...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/02G06F16/28G06F16/22
CPCG06F16/284G06F16/2246G06Q40/03
Inventor 余以召吴晓星
Owner 上海数禾信息科技有限公司
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