Summary of the invention
Embodiment of the present invention technical problem to be solved is, it is provided that a kind of lending and borrowing business monitoring and pre-alarming methodAnd device, to comprehensively, be monitored and early warning timely, effectively to the lending and borrowing business data of client,And then improve lending and borrowing business data monitoring efficiency and lending and borrowing business data risk control ability.
Embodiments providing a kind of lending and borrowing business monitoring and pre-alarming method, described method includes:
Obtain lending and borrowing business information, described lending and borrowing business information carry individual application people and enterprise applicantPeople applicant's information and enterprise's applicant's information；
Obtain for described enterprise applicant and the Monitoring Data of described individual application people, described Monitoring Data bagInclude described enterprise applicant's information and account behavioral data corresponding to described individual application people's information, Yi JicongHave third party's data system of public trust obtains tax data corresponding to described enterprise applicant's information,Industrial and commercial data, relate to tell data, collage-credit data, guaranty assessed value delta data, guaranty status data,The collage-credit data that described individual application people's information is corresponding；
Judge whether each item data that described Monitoring Data comprises meets described each item data correspondence respectively respectivelyThe early-warning conditions preset；
If meeting, then send the early warning information for this item data meeting described early-warning conditions, described early warningInformation starts the lending and borrowing business risk control stream corresponding with the described Monitoring Data meeting early-warning conditions for triggeringJourney.
Optionally, described method also includes:
If each item data that described Monitoring Data comprises be unsatisfactory for described each item data respectively corresponding preset pre-Alert condition, then when receiving associating with described lending and borrowing business of described individual application people or described enterprise applicantBusiness datum application time, the business datum application that associated by described and described lending and borrowing business and to described withThe business datum of described lending and borrowing business association processes.
Optionally, described method also includes:
According to the described Monitoring Data got, judge each item data that described Monitoring Data comprises whether respectivelyMeet the pushing condition preset that described each item data is the most corresponding；
If meeting, then send for meeting described propelling movement bar to described enterprise applicant or described individual application peopleThe business information of this item data of part.
Optionally, described method also includes:
The each item data comprised when described Monitoring Data meets the early warning preset that described each item data is the most correspondingDuring condition, credits data corresponding for described business datum are converted into the fund business datum of third company.
Optionally, described default early-warning conditions includes any one in following condition or multinomial combination:
Described enterprise applicant total value of paying taxes current season increases ratio over the same period last year less than or equal to the first early warning thresholdValue；
Described enterprise applicant total value relatively preceding quarter total value of paying taxes of paying taxes current season increases ratio less than or equal to secondThreshold value of warning；
It is pre-less than or equal to the 3rd that continuous three months taxes of described enterprise applicant current season increase ratio relatively last monthAlert threshold value；
Described enterprise applicant current season, total taxable income increased ratio over the same period last year less than or equal to the 4th early warningThreshold value；
Described enterprise applicant current season, taxable income was less than or equal to the 5th compared with preceding quarter taxable revenue growth ratioThreshold value of warning；
Continuous three months receivable incomes of described enterprise applicant current season increase ratio less than or equal to the 6th relatively last monthThreshold value of warning；
The total electricity charge of described enterprise applicant current season increase ratio over the same period last year less than or equal to the 7th threshold value of warning；
The total electricity charge of described enterprise applicant current season increase ratio less than or equal to the 8th early warning compared with the total electricity charge of preceding quarterThreshold value；
Monthly payroll credit number relatively preceding quarter increase of described enterprise applicant current season ratio is less than or equal to the 9thThreshold value of warning；
Described enterprise applicant current season, monthly social security number relatively preceding quarter of paying increased ratio less than or equal to the tenthThreshold value of warning；
Described enterprise applicant's balance of debt is pre-more than or equal to the 11st with the difference of the 30% of prior year income from salesAlert threshold value；
The described enterprise applicant current season enterprise moon the average daily balance of deposits with current season average daily loan balance ratioLess than or equal to the 12nd threshold value of warning；
Occur that 3 months loan-to-deposit ratios increase ratio relatively last month less than or equal to the described enterprise applicant current season continuously13 threshold value of warning；
Described enterprise applicant current season enterprise makes out an invoice in credit side's clearing amount and total downstream of target bank volumeRatio increases ratio over the same period last year less than or equal to the 14th threshold value of warning；
Described enterprise applicant current season enterprise makes out an invoice in credit side's clearing amount and total downstream of target bank volumeRatio relatively preceding quarter increases ratio less than or equal to the 15th threshold value of warning；
Described enterprise applicant adds up target bank credit side clearing amount and current season loan average balance current seasonRatio is less than or equal to the 16th threshold value of warning；
In described collateral value data, this guaranty assessment net value is little compared with assessing net value increase ratio before half a yearIn equal to the 17th threshold value of warning；
There is enterprise's movables mortgage information in the industrial and commercial data of described enterprise applicant and enterprise's equity is pledged in informationAt least one；
The industrial and commercial data of described enterprise applicant exist in enterprise management level, equity and alteration of judicial person item extremelyFew one；
The industrial and commercial data of described enterprise applicant exist lawsuit, pledge freeze, annual test the most on time and taxpayer's shapeAt least one during state is abnormal；
There is loan fund and proceed to program of real estate enterprise in the account behavioral data of described enterprise applicant；
There is loan fund and proceed to capital market in the account behavioral data of described enterprise applicant；
There is loan fund and proceed to prohibitive mechanism in the account behavioral data of described enterprise applicant；
There is money laundering in the account behavioral data of described enterprise applicant and described individual application people and terrified financing is livedAt least one of disorder of internal organs；
The collage-credit data of described enterprise applicant and described individual application people occurs described enterprise applicant or individualPeople applicant exceeds the time limit in capital or the interest of target bank loan；
The collage-credit data of described enterprise applicant and described individual application people occurs described enterprise applicant or individualPeople applicant exceeds the time limit at target bank card or the capital of quasi-credit card or interest.
Accordingly, the embodiment of the present invention additionally provides a kind of lending and borrowing business monitoring warning device, described device bagInclude:
First acquisition module, is used for obtaining lending and borrowing business information, and described lending and borrowing business information carries individual applicationIndividual application people's information of people and enterprise applicant and enterprise's applicant's information；
Second acquisition module, for obtaining for described enterprise applicant and the monitoring number of described individual application peopleDescribed enterprise applicant's information and account corresponding to described individual application people's information is included according to, described Monitoring DataFamily behavioral data, and the described enterprise applicant letter obtained from third party's data system with public trustTax data, industrial and commercial data that breath is corresponding, relate to tell data, collage-credit data, guaranty assessed value delta data,The collage-credit data that guaranty status data, described individual application people's information are corresponding；
Judge module, described every for judging whether each item data that described Monitoring Data comprises meets respectivelyThe early-warning conditions preset that data are the most corresponding；
Warning module, it is the most right that each item data for comprising when described Monitoring Data meets described each item dataDuring the early-warning conditions preset answered, send the early warning information for this item data meeting described early-warning conditions,Described early warning information starts the lending and borrowing business wind corresponding with the described Monitoring Data meeting early-warning conditions for triggeringDanger control flow.
Optionally, described device also includes:
Without warning module, if each item data comprised for described Monitoring Data is unsatisfactory for described each item data and dividesThe not corresponding early-warning conditions preset, then when receive described individual application people or enterprise applicant with describedDuring the business datum application that lending and borrowing business associates, the business datum Shen associated by described and described lending and borrowing businessThe business datum that and please associate described and described lending and borrowing business processes.
Optionally, described device also includes business information pushing module, is used for:
According to the described Monitoring Data got, judge each item data that described Monitoring Data comprises whether respectivelyMeet the pushing condition preset that described each item data is the most corresponding；
If meeting, then send for meeting described propelling movement bar to described enterprise applicant or described individual application peopleThe business information of this item data of part.
Optionally, described device also includes:
Risk compensation module, each item data for comprising when described Monitoring Data meets described each item data and dividesDuring the not corresponding early-warning conditions preset, credits data corresponding for described business datum are converted into third party publicThe fund business datum of department.
Optionally, the early-warning conditions preset in described warning module includes any one in following condition or multinomialCombination:
Described enterprise applicant total value of paying taxes current season increases ratio over the same period last year less than or equal to the first early warning thresholdValue；
Described enterprise applicant total value relatively preceding quarter total value of paying taxes of paying taxes current season increases ratio less than or equal to secondThreshold value of warning；
It is pre-less than or equal to the 3rd that continuous three months taxes of described enterprise applicant current season increase ratio relatively last monthAlert threshold value；
Described enterprise applicant current season, total taxable income increased ratio over the same period last year less than or equal to the 4th early warningThreshold value；
Described enterprise applicant current season, taxable income was less than or equal to the 5th compared with preceding quarter taxable revenue growth ratioThreshold value of warning；
Continuous three months receivable incomes of described enterprise applicant current season increase ratio less than or equal to the 6th relatively last monthThreshold value of warning；
The total electricity charge of described enterprise applicant current season increase ratio over the same period last year less than or equal to the 7th threshold value of warning；
The total electricity charge of described enterprise applicant current season increase ratio less than or equal to the 8th early warning compared with the total electricity charge of preceding quarterThreshold value；
Monthly payroll credit number relatively preceding quarter increase of described enterprise applicant current season ratio is less than or equal to the 9thThreshold value of warning；
Described enterprise applicant current season, monthly social security number relatively preceding quarter of paying increased ratio less than or equal to the tenthThreshold value of warning；
Described enterprise applicant's balance of debt is pre-more than or equal to the 11st with the difference of the 30% of prior year income from salesAlert threshold value；
The described enterprise applicant current season enterprise moon the average daily balance of deposits with current season average daily loan balance ratioLess than or equal to the 12nd threshold value of warning；
Occur that 3 months loan-to-deposit ratios increase ratio relatively last month less than or equal to the described enterprise applicant current season continuously13 threshold value of warning；
Described enterprise applicant current season enterprise makes out an invoice in credit side's clearing amount and total downstream of target bank volumeRatio increases ratio over the same period last year less than or equal to the 14th threshold value of warning；
Described enterprise applicant current season enterprise makes out an invoice in credit side's clearing amount and total downstream of target bank volumeRatio relatively preceding quarter increases ratio less than or equal to the 15th threshold value of warning；
Described enterprise applicant adds up target bank credit side clearing amount and current season loan average balance current seasonRatio is less than or equal to the 16th threshold value of warning；
In described collateral value data, this guaranty assessment net value is little compared with assessing net value increase ratio before half a yearIn equal to the 17th threshold value of warning；
There is enterprise's movables mortgage information in the industrial and commercial data of described enterprise applicant and enterprise's equity is pledged in informationAt least one；
The industrial and commercial data of described enterprise applicant exist in enterprise management level, equity and alteration of judicial person item extremelyFew one；
The industrial and commercial data of described enterprise applicant exist lawsuit, pledge freeze, annual test the most on time and taxpayer's shapeAt least one during state is abnormal；
There is loan fund and proceed to program of real estate enterprise in the account behavioral data of described enterprise applicant；
There is loan fund and proceed to capital market in the account behavioral data of described enterprise applicant；
There is loan fund and proceed to prohibitive mechanism in the account behavioral data of described enterprise applicant；
There is money laundering in the account behavioral data of described enterprise applicant and described individual application people and terrified financing is livedAt least one of disorder of internal organs；
The collage-credit data of described enterprise applicant and described individual application people occurs described enterprise applicant or individualPeople applicant exceeds the time limit in capital or the interest of target bank loan；
The collage-credit data of described enterprise applicant and described individual application people occurs described enterprise applicant or individualPeople applicant exceeds the time limit at target bank card or the capital of quasi-credit card or interest.
The embodiment of the present invention is by obtaining lending and borrowing business information, and described lending and borrowing business information carries individual application peopleAnd individual application people's information of enterprise applicant and enterprise's applicant's information, obtain and apply for for described enterprisePeople and the Monitoring Data of described individual application people, described Monitoring Data include described enterprise applicant's information andThe account behavioral data that described individual application people's information is corresponding, and from having the third party data system of public trustTax data corresponding to described enterprise applicant's information, the industrial and commercial data that obtain in system, relate to and tell data, referenceData, guaranty assessed value delta data, guaranty status data, described individual application people's information are correspondingCollage-credit data, judges whether each item data that described Monitoring Data comprises meets described each item data respectively respectivelyThe corresponding early-warning conditions preset, if meeting, then sends for this item data meeting described early-warning conditionsEarly warning information, described early warning information for trigger start corresponding with the described Monitoring Data meeting early-warning conditionsLending and borrowing business risk control flow process, it is possible to achieve comprehensively, timely, the effective business datum to clientIt is monitored and early warning, and then improves business datum monitoring efficiency and business datum risk control ability.
Detailed description of the invention
Below in conjunction with the accompanying drawing in the embodiment of the present invention, the technical scheme in the embodiment of the present invention is carried out clearlyChu, be fully described by, it is clear that described embodiment be only a part of embodiment of the present invention rather thanWhole embodiments.Based on the embodiment in the present invention, those of ordinary skill in the art are not making creationThe every other embodiment obtained under property work premise, broadly falls into the scope of protection of the invention.
Fig. 1 is the schematic flow sheet of a kind of lending and borrowing business monitoring and pre-alarming method, this method in the embodiment of the present inventionFlow process can be implemented by lending and borrowing business monitoring warning device, and described lending and borrowing business monitoring warning device can be to useFamily terminal or operate in the software program of user terminal, described user terminal can include mobile phone, notebook electricityBrain, panel computer, vehicle-mounted computer, POS (Point Of Sales, point of sale) machine, ATM (AutomaticTeller Machine, ATM) etc..The most described method at least includes:
Step S101, obtains lending and borrowing business information, and described lending and borrowing business information carries individual application people and enterpriseIndividual application people's information of applicant and enterprise's applicant's information.
Concrete, lending and borrowing business information is individual application people and enterprise applicant bank when handling lending and borrowing businessRecord for information about, wherein can include individual application people's information of individual application people and enterprise applicantAnd enterprise's applicant's information, enterprise applicant can be the artificial legal person of individual application, obligee, reality hereBorder controls enterprise of people etc., is not especially limited here.
Wherein, enterprise applicant information can comprise the business license of enterprise applicant, organization mechanism code is demonstrate,proved,At least one in the information such as Tax Registration Certificate, status of a legal person card；Individual application people's information can be individualAt least one in the information such as identity card or driving license.
In the present embodiment, the lending and borrowing business information that terminal obtains, can be at the memory space of terminalIn prestore, it is also possible to obtain from the background server.
Step S102, obtains for described enterprise applicant and the Monitoring Data of described individual application people, describedMonitoring Data includes described enterprise applicant's information and account behavior number corresponding to described individual application people's informationAccording to, and the described enterprise applicant's information obtained from third party's data system with public trust is correspondingTax data, industrial and commercial data, relate to and tell data, collage-credit data, guaranty assessed value delta data, guarantyThe collage-credit data that status data, described individual application people's information are corresponding.
Obtaining for described enterprise and the Monitoring Data of described applicant, described Monitoring Data includes described applicationManagement data that company information is corresponding, account behavioral data, debt-credit purposes data, behavioral data of honouring an agreement, supportWagering is worth debt-credit purposes data corresponding to data, described applicant's information and behavioral data of honouring an agreement.
Concrete, after getting the lending and borrowing business information of user, terminal can be applied for according to enterprise thereinPeople's information and individual application people's acquisition of information Monitoring Data.Here Monitoring Data can be from having public letterThird party's data system of degree obtains, and i.e. refers to neither individual application people or the data system of enterprise applicant one sideSystem, the data system being applied a side belonging to the most non-terminal；Can also be from bank's internal data systemObtain, be not especially limited here.
In the present embodiment, terminal can obtain enterprise's applicant's information and individual application people's information is correspondingAccount behavioral data, and the enterprise's applicant's information obtained from third party's data system with public trustCorresponding tax data, industrial and commercial data, relate to tell data, collage-credit data, guaranty assessed value delta data,At least one in the collage-credit data that guaranty status data, individual application people's information are corresponding.Wherein, the taxData can refer to that the enterprise's applicant's information obtained by reliable third party's data system of banking recognition is correspondingTax, taxable income, downstream make out an invoice volume, the electricity charge, enterprise's number, enterprise's movable property information, equity matterThe data messages such as signature information, taxpayer's state, corporate debt；Industrial and commercial data can refer to enterprise's applicant's informationCorresponding enterprise management level/equity/alteration of judicial person information；Relate to and tell data and can refer to that enterprise's applicant's information is correspondingLawsuit/pledge the situation of freezing, annual test situation and other abnormal data information；Collage-credit data can refer to individual applicationPeople's Bank of China's reference record of people and enterprise applicant, including its business loan of each financial institution, personal loan,Whether credit card, quasi-credit card the data message such as exceed the time limit；Guaranty assessed value delta data and guaranty stateData can refer to whether the estimated value fluctuation data of guaranty and guaranty the data message of state such as are sealed off；Account behavioral data can refer to the covering of the average daily loan-to-deposit ratio of enterprise applicant, credit side's clearing amount, cash flow, accountFamily funds flow and whether relate to the data message such as money laundering, terrified financing activity.In being embodied as, terminalThe each item data in Monitoring Data can be obtained by the data system interface corresponding with each item data.Such as,Collage-credit data can be obtained by People's Bank of China's credit investigation system.
Further, terminal can also obtain the lending and borrowing business type that lending and borrowing business that user handles is corresponding, borrowsBorrow type of service can classify according to the delineation of activities of bank, such as can include building property mortgage class loan,Online application loan, big business' guarantee class loan etc..Different lending and borrowing business types can obtain differentMonitoring Data, thus terminal can obtain enterprise Shen according to Monitoring Data type corresponding to lending and borrowing business typeInformation of asking someone and account behavioral data corresponding to individual application people's information, and from having the 3rd of public trustTax data corresponding to enterprise's applicant's information, the industrial and commercial data that obtain in side's data system, relate to tell data,Collage-credit data, guaranty assessed value delta data, guaranty status data, individual application people's information are correspondingThe combination of the one or more data in collage-credit data.
Optionally, step S102 may include that
Default acquisition, frequency meter obtains the acquisition frequency that each item data that described Monitoring Data comprises is corresponding.
According to described acquisition frequency, each item data that Monitoring Data described in timing acquisition comprises.
Concrete, obtain the different acquisition frequency that frequency meter refers to that terminal is preset for different Monitoring Data,All there is the acquisition frequency of a kind of correspondence in each Monitoring Data i.e..Terminal can be according to this acquisition frequency timingObtain each Monitoring Data.In being embodied as, terminal can get a certain item target monitoring for the first timeStart timing after data, when the acquisition frequency that timing to these target detection data is corresponding, the most again obtainThese target detection data, and timing is reset the timing restarted again.
Such as, the acquisition frequency of tax data can be set as in 1 time/season, the most quarterly obtaining once, thenTerminal starts timing after getting tax data first, during timing to 90 day complete (season), thenThe tax data that secondary acquisition is new.
It should be noted that the Monitoring Data of timing acquisition can cover original Monitoring Data here, it is possible toStore at other memory space not cover original Monitoring Data, be not especially limited here.
Step S103, judges whether each item data that described Monitoring Data comprises meets described each item data respectivelyThe most corresponding early-warning conditions preset.
Concrete, terminal can pre-set the early-warning conditions that each item data is corresponding, refers to for different dataMark, early-warning conditions can also differ.Each item data in the Monitoring Data that terminal will get and therewith phaseCorresponding early-warning conditions contrasts, it can be determined that whether each item data gone out in Monitoring Data meets defaultThe early-warning conditions that each item data is corresponding.
Such as, terminal can set the early-warning conditions of collage-credit data corresponding to enterprise's applicant's information is to exist to oweBreath or the credit record exceeded the time limit, then after terminal gets the collage-credit data that enterprise's applicant's information is corresponding, so that it mayTo judge the most whether to exist debit interest or the credit record exceeded the time limit, thus judge to apply for corresponding the levying of company informationWhether letter data meets the early-warning conditions about collage-credit data that default enterprise's applicant's information is corresponding.
Preferably, the one or more combination in each item data obtained during terminal may determine that step S103 isNo meet following corresponding early-warning conditions:
Described enterprise applicant total value of paying taxes current season increases ratio over the same period last year less than or equal to the first early warning thresholdValue；
Described enterprise applicant total value relatively preceding quarter total value of paying taxes of paying taxes current season increases ratio less than or equal to secondThreshold value of warning；
It is pre-less than or equal to the 3rd that continuous three months taxes of described enterprise applicant current season increase ratio relatively last monthAlert threshold value；
Described enterprise applicant current season, total taxable income increased ratio over the same period last year less than or equal to the 4th early warningThreshold value；
Described enterprise applicant current season, taxable income was less than or equal to the 5th compared with preceding quarter taxable revenue growth ratioThreshold value of warning；
Continuous three months receivable incomes of described enterprise applicant current season increase ratio less than or equal to the 6th relatively last monthThreshold value of warning；
The total electricity charge of described enterprise applicant current season increase ratio over the same period last year less than or equal to the 7th threshold value of warning；
The total electricity charge of described enterprise applicant current season increase ratio less than or equal to the 8th early warning compared with the total electricity charge of preceding quarterThreshold value；
Monthly payroll credit number relatively preceding quarter increase of described enterprise applicant current season ratio is less than or equal to the 9thThreshold value of warning；
Described enterprise applicant current season, monthly social security number relatively preceding quarter of paying increased ratio less than or equal to the tenthThreshold value of warning；
Described enterprise applicant's balance of debt is pre-more than or equal to the 11st with the difference of the 30% of prior year income from salesAlert threshold value；
The described enterprise applicant current season enterprise moon the average daily balance of deposits with current season average daily loan balance ratioLess than or equal to the 12nd threshold value of warning；
Occur that 3 months loan-to-deposit ratios increase ratio relatively last month less than or equal to the described enterprise applicant current season continuously13 threshold value of warning；
Described enterprise applicant current season enterprise makes out an invoice in credit side's clearing amount and total downstream of target bank volumeRatio increases ratio over the same period last year less than or equal to the 14th threshold value of warning；
Described enterprise applicant current season enterprise makes out an invoice in credit side's clearing amount and total downstream of target bank volumeRatio relatively preceding quarter increases ratio less than or equal to the 15th threshold value of warning；
Described enterprise applicant adds up target bank credit side clearing amount and current season loan average balance current seasonRatio is less than or equal to the 16th threshold value of warning；
In described collateral value data, this guaranty assessment net value is little compared with assessing net value increase ratio before half a yearIn equal to the 17th threshold value of warning；
There is enterprise's movables mortgage information in the industrial and commercial data of described enterprise applicant and enterprise's equity is pledged in informationAt least one；
The industrial and commercial data of described enterprise applicant exist in enterprise management level, equity and alteration of judicial person item extremelyFew one；
The industrial and commercial data of described enterprise applicant exist lawsuit, pledge freeze, annual test the most on time and taxpayer's shapeAt least one during state is abnormal；
There is loan fund and proceed to program of real estate enterprise in the account behavioral data of described enterprise applicant；
There is loan fund and proceed to capital market in the account behavioral data of described enterprise applicant；
There is loan fund and proceed to prohibitive mechanism in the account behavioral data of described enterprise applicant；
There is money laundering in the account behavioral data of described enterprise applicant and described individual application people and terrified financing is livedAt least one of disorder of internal organs；
The collage-credit data of described enterprise applicant and described individual application people occurs described enterprise applicant or individualPeople applicant exceeds the time limit in capital or the interest of target bank loan；
The collage-credit data of described enterprise applicant and described individual application people occurs described enterprise applicant or individualPeople applicant exceeds the time limit at target bank card or the capital of quasi-credit card or interest.
Concrete, the determination of the first threshold value of warning～the 17th threshold value of warning can be set according to different situations by bankDetermine and change.In a preferred embodiment, the first threshold value of warning, the 4th threshold value of warning, the 7th threshold value of warning,14th threshold value of warning can be set as-10%, the second threshold value of warning, the 3rd threshold value of warning, the 5th early warning thresholdValue, the 6th threshold value of warning, the 8th threshold value of warning, the 9th threshold value of warning, the tenth threshold value of warning, the 13rd pre-Alert threshold value, the 15th threshold value of warning can be set as-30%, and the 11st threshold value of warning can be set as 0, and the tenthTwo threshold value of warning can be set as 2%, and the 16th threshold value of warning can be set as 2, and the 17th threshold value of warning canTo be set as-20%.
Such as, if setting, " enterprise applicant current season, taxable income was little compared with preceding quarter taxable revenue growth ratioIn equal to the 5th threshold value of warning " and " it is little that the total electricity charge of enterprise applicant current season increase ratio over the same period last yearIn equal to the 7th threshold value of warning " as early-warning conditions, then get, when terminal, this season that enterprise applicant is correspondingSpend taxable income and increase ratio over the same period last year compared with preceding quarter taxable revenue growth ratio and current season total electricity chargeData message after, can compare with the 5th threshold value of warning and the 7th threshold value of warning respectively, if gettingData are respectively less than or equal to the 5th threshold value of warning and the 7th threshold value of warning, then explanation terminal needs early warning.
The most such as, if setting and " collage-credit data of enterprise applicant and individual application people occurring described enterprise ShenAsk someone or individual application people exceed the time limit at target bank card or the capital of quasi-credit card or interest " it is early warning barPart, whether terminal can obtain the collage-credit data that enterprise's applicant's information is corresponding, it is judged that exist in collage-credit dataThe letter that enterprise applicant or individual application people exceed the time limit at target bank card or the capital of quasi-credit card or interestBreath.In being embodied as, can be searched by modes such as keyword or date retrievals.Such as can searchWhether rope exists the keyword of " debit interest " " exceeding the time limit ", if existing, representing and there is debit interest or the record that exceeds the time limit；AgainSuch as judge whether the debit date of destination item has exceeded, with the interval time on date of refunding, the time threshold presetValue, if, then it represents that there is debit interest or the record that exceeds the time limit, then it represents that meet default early-warning conditions, explanationTerminal needs early warning.
Step S104, if meeting, then sends the early warning information for this item data meeting described early-warning conditions,Described early warning information starts the lending and borrowing business wind corresponding with the described Monitoring Data meeting early-warning conditions for triggeringDanger control flow.
Concrete, if terminal determines that each item data that Monitoring Data comprises meets the pre-of each item data correspondence respectivelyIf early-warning conditions, then terminal then sends the early warning information for this item data meeting early-warning conditions.
In the present embodiment, terminal send early warning information can be occur on local terminal information, can alsoIt is the early warning information sent to background system or default service terminal, it is also possible to be to be sent out by acousto-optic-electric signalThe early warning gone out, it is also possible to be the combination of aforementioned alarm mode, be not especially limited here.This early warning is believedBreath starts the lending and borrowing business risk control flow process corresponding with the Monitoring Data meeting early-warning conditions, also for triggeringThat is according to early warning information, terminal can take the lending and borrowing business risk control flow process preset, it is also possible to isStaff, according to this early warning information, starts the lending and borrowing business risk control flow process preset.
Optionally, step S104 may include that
The risk that described this item data meeting described early-warning conditions is corresponding is obtained in default risk class tableGrade.
According to described risk class, send the early warning for described this item data meeting described early-warning conditions and believeBreath.
Concrete, risk class table refers to the different risk class that terminal is preset for every Monitoring Data,All there is the risk class of a kind of correspondence in each Monitoring Data i.e..Terminal can send according to this risk classEarly warning information for this item data meeting described early-warning conditions.In being embodied as, terminal determines monitoring numberAccording to a certain item data comprised meet this item data corresponding preset early-warning conditions time, can be at default windDanger table of grading obtains the risk class that this item data is corresponding.Terminal send for meeting early-warning conditionsThe early warning information of this item data may contain information about the risk class of this item data, it is also possible to according to risk etc.Level, triggers different alarm modes etc., so that terminal or staff can be poor according to risk class startupThe wind control management process do not changed.
Optionally, this method can also include:
If each item data that described Monitoring Data comprises be unsatisfactory for described each item data respectively corresponding preset pre-Alert condition, then when receiving associating with described lending and borrowing business of described individual application people or described enterprise applicantBusiness datum application time, the business datum application that associated by described and described lending and borrowing business and to described withThe business datum of described lending and borrowing business association processes.
Concrete, if each item data found after terminal monitoring in Monitoring Data is all unsatisfactory for each item data respectivelyCorresponding early-warning conditions, then illustrate the account behavioral data corresponding to this individual application people or enterprise applicant,Tax data, industrial and commercial data, relate to and tell data, collage-credit data, guaranty assessed value delta data or guarantyThe data such as status data are normal, then terminal is it is believed that this individual application people or enterprise apply for artificial high-qualityClient, then receive the business number associated with lending and borrowing business of this individual application people or enterprise applicant when terminalDuring according to application, can be directly by this business datum application and process.
As long as example, it is possible to presetting individual application people or tax data corresponding to enterprise applicant and account behaviorData are unsatisfactory for early-warning conditions, then receive the storage loan of this individual application people or enterprise applicant when terminalDuring the enlending business that expires, green channel can be opened up, directly pass through and handle.
Optionally, this method can also include:
According to the described Monitoring Data got, judge each item data that described Monitoring Data comprises whether respectivelyMeet the pushing condition preset that described each item data is the most corresponding；
If meeting, then send for meeting described propelling movement bar to described enterprise applicant or described individual application peopleThe business information of this item data of part.
Concrete, terminal can pre-set the pushing condition that each item data is corresponding, refers to for different dataMark, pushing condition can also differ.Each item data in the Monitoring Data that terminal will get and therewith phaseCorresponding pushing condition contrasts, it can be determined that whether each item data gone out in Monitoring Data meets defaultThe pushing condition that each item data is corresponding.The pushing condition of its correspondence is met when terminal judges goes out a certain target dataTime, then can send the business information for this target data to this enterprise applicant or individual application people.
Such as, terminal judges goes out the loan-to-deposit ratio numerical value of enterprise applicant or individual application people less than the thresholding presetValue, i.e. meets the pushing condition that loan-to-deposit ratio is corresponding, then can send pin to enterprise applicant or individual application peopleBusiness information to loan-to-deposit ratio.
Optionally, this method also includes:
The each item data comprised when described Monitoring Data meets the early warning preset that described each item data is the most correspondingDuring condition, credits data corresponding for described business datum are converted into the fund business datum of third company.
Concrete, when terminal monitoring goes out each item data that Monitoring Data comprises, to meet each item data the most correspondingDuring the early-warning conditions preset, it may be said that the Monitoring Data of this individual application people bright or enterprise applicant goes wrong,Then in order to compensate the risk being likely to result in, the credits data corresponding to business datum can be converted into by terminalThe fund business datum of tripartite company, such that it is able to the avail data compensation derived by fund business datumThe bad loss that business datum produces.It should be noted that credits data here can be business datum alsoIt can be a part for business datum.
The embodiment of the present invention is by obtaining lending and borrowing business information, and described lending and borrowing business information carries individual application peopleAnd individual application people's information of enterprise applicant and enterprise's applicant's information, obtain and apply for for described enterprisePeople and the Monitoring Data of described individual application people, described Monitoring Data include described enterprise applicant's information andThe account behavioral data that described individual application people's information is corresponding, and from having the third party data system of public trustTax data corresponding to described enterprise applicant's information, the industrial and commercial data that obtain in system, relate to and tell data, referenceData, guaranty assessed value delta data, guaranty status data, described individual application people's information are correspondingAt least one in collage-credit data, judges whether each item data that described Monitoring Data comprises meets described respectivelyThe early-warning conditions preset that each item data is the most corresponding, if meeting, then sends for meeting described early-warning conditionsThe early warning information of this item data, described early warning information is for triggering startup and the described prison meeting early-warning conditionsSurvey lending and borrowing business risk control flow process corresponding to data, it is possible to achieve comprehensively, timely, effective to visitorThe business datum at family is monitored and early warning, and then improves business datum monitoring efficiency and business datum riskControl ability.
Fig. 2 is the composition structure chart of a kind of lending and borrowing business monitoring warning device, described dress in the embodiment of the present inventionPut and include:
First acquisition module 210, is used for obtaining lending and borrowing business information, and described lending and borrowing business information carries individual ShenAsk someone and individual application people's information of enterprise applicant and enterprise's applicant's information；
Second acquisition module 220, for obtaining for described enterprise applicant and the monitoring of described individual application peopleData, described Monitoring Data includes that described enterprise applicant's information and described individual application people's information are correspondingAccount behavioral data, and the described enterprise applicant obtained from third party's data system with public trustTax data corresponding to information, industrial and commercial data, relate to and tell data, collage-credit data, guaranty assessed value change numberAccording to, collage-credit data corresponding to guaranty status data, described individual application people's information；
Judge module 230, for judge respectively each item data that described Monitoring Data comprises whether meet described respectivelyThe early-warning conditions preset that item data is the most corresponding；
Warning module 240, each item data for comprising when described Monitoring Data meets described each item data respectivelyDuring the corresponding early-warning conditions preset, send the early warning information for this item data meeting described early-warning conditions,Described early warning information starts the lending and borrowing business wind corresponding with the described Monitoring Data meeting early-warning conditions for triggeringDanger control flow.
Optionally, described device also includes:
Without warning module 250, if each item data comprised for described Monitoring Data is unsatisfactory for described each item dataThe respectively corresponding early-warning conditions preset, then when receive described individual application people or enterprise applicant with instituteWhen stating the business datum application of lending and borrowing business association, the business datum associated by described and described lending and borrowing businessApplication the business datum associating described and described lending and borrowing business process.
Optionally, described device also includes business information pushing module 260, is used for:
According to the described Monitoring Data got, judge each item data that described Monitoring Data comprises whether respectivelyMeet the pushing condition preset that described each item data is the most corresponding；
If meeting, then send for meeting described propelling movement bar to described enterprise applicant or described individual application peopleThe business information of this item data of part.
Optionally, described device also includes:
Risk compensation module 270, meets described each item data for each item data comprised when described Monitoring DataWhen distinguishing the corresponding early-warning conditions preset, credits data corresponding for described business datum are converted into third partyThe fund business datum of company.
Optionally, in described warning module 240 preset early-warning conditions include any one in following condition orMultinomial combination:
Described enterprise applicant total value of paying taxes current season increases ratio over the same period last year less than or equal to the first early warning thresholdValue；
Described enterprise applicant total value relatively preceding quarter total value of paying taxes of paying taxes current season increases ratio less than or equal to secondThreshold value of warning；
It is pre-less than or equal to the 3rd that continuous three months taxes of described enterprise applicant current season increase ratio relatively last monthAlert threshold value；
Described enterprise applicant current season, total taxable income increased ratio over the same period last year less than or equal to the 4th early warningThreshold value；
Described enterprise applicant current season, taxable income was less than or equal to the 5th compared with preceding quarter taxable revenue growth ratioThreshold value of warning；
Continuous three months receivable incomes of described enterprise applicant current season increase ratio less than or equal to the 6th relatively last monthThreshold value of warning；
The total electricity charge of described enterprise applicant current season increase ratio over the same period last year less than or equal to the 7th threshold value of warning；
The total electricity charge of described enterprise applicant current season increase ratio less than or equal to the 8th early warning compared with the total electricity charge of preceding quarterThreshold value；
Monthly payroll credit number relatively preceding quarter increase of described enterprise applicant current season ratio is less than or equal to the 9thThreshold value of warning；
Described enterprise applicant current season, monthly social security number relatively preceding quarter of paying increased ratio less than or equal to the tenthThreshold value of warning；
Described enterprise applicant's balance of debt is pre-more than or equal to the 11st with the difference of the 30% of prior year income from salesAlert threshold value；
The described enterprise applicant current season enterprise moon the average daily balance of deposits with current season average daily loan balance ratioLess than or equal to the 12nd threshold value of warning；
Occur that 3 months loan-to-deposit ratios increase ratio relatively last month less than or equal to the described enterprise applicant current season continuously13 threshold value of warning；
Described enterprise applicant current season enterprise makes out an invoice in credit side's clearing amount and total downstream of target bank volumeRatio increases ratio over the same period last year less than or equal to the 14th threshold value of warning；
Described enterprise applicant current season enterprise makes out an invoice in credit side's clearing amount and total downstream of target bank volumeRatio relatively preceding quarter increases ratio less than or equal to the 15th threshold value of warning；
Described enterprise applicant adds up target bank credit side clearing amount and current season loan average balance current seasonRatio is less than or equal to the 16th threshold value of warning；
In described collateral value data, this guaranty assessment net value is little compared with assessing net value increase ratio before half a yearIn equal to the 17th threshold value of warning；
There is enterprise's movables mortgage information in the industrial and commercial data of described enterprise applicant and enterprise's equity is pledged in informationAt least one；
The industrial and commercial data of described enterprise applicant exist in enterprise management level, equity and alteration of judicial person item extremelyFew one；
The industrial and commercial data of described enterprise applicant exist lawsuit, pledge freeze, annual test the most on time and taxpayer's shapeAt least one during state is abnormal；
There is loan fund and proceed to program of real estate enterprise in the account behavioral data of described enterprise applicant；
There is loan fund and proceed to capital market in the account behavioral data of described enterprise applicant；
There is loan fund and proceed to prohibitive mechanism in the account behavioral data of described enterprise applicant；
There is money laundering in the account behavioral data of described enterprise applicant and described individual application people and terrified financing is livedAt least one of disorder of internal organs；
The collage-credit data of described enterprise applicant and described individual application people occurs described enterprise applicant or individualPeople applicant exceeds the time limit in capital or the interest of target bank loan；
The collage-credit data of described enterprise applicant and described individual application people occurs described enterprise applicant or individualPeople applicant exceeds the time limit at target bank card or the capital of quasi-credit card or interest.
The embodiment of the present invention is by obtaining lending and borrowing business information, and described lending and borrowing business information carries individual application peopleAnd individual application people's information of enterprise applicant and enterprise's applicant's information, obtain and apply for for described enterprisePeople and the Monitoring Data of described individual application people, described Monitoring Data include described enterprise applicant's information andThe account behavioral data that described individual application people's information is corresponding, and from having the third party data system of public trustTax data corresponding to described enterprise applicant's information, the industrial and commercial data that obtain in system, relate to and tell data, referenceData, guaranty assessed value delta data, guaranty status data, described individual application people's information are correspondingAt least one in collage-credit data, judges whether each item data that described Monitoring Data comprises meets described respectivelyThe early-warning conditions preset that each item data is the most corresponding, if meeting, then sends for meeting described early-warning conditionsThe early warning information of this item data, described early warning information is for triggering startup and the described prison meeting early-warning conditionsSurvey lending and borrowing business risk control flow process corresponding to data, it is possible to achieve comprehensively, timely, effective to visitorThe business datum at family is monitored and early warning, and then improves business datum monitoring efficiency and business datum riskControl ability.
One of ordinary skill in the art will appreciate that all or part of flow process realizing in above-described embodiment method,Can be by computer program and complete to instruct relevant hardware, described program can be stored in a calculatingIn machine read/write memory medium, this program is upon execution, it may include such as the flow process of the embodiment of above-mentioned each method.Wherein, described storage medium can be magnetic disc, CD, read-only store-memory body (Read-Only Memory,Or random store-memory body (Random Access Memory, RAM) etc. ROM).
Above disclosed be only present pre-ferred embodiments, certainly can not with this limit the present invention itInterest field, the equivalent variations therefore made according to the claims in the present invention, still belong to the scope that the present invention is contained.