Disclosure of Invention
The embodiment of the invention provides a method, a device, a server and a storage medium for processing agricultural product transaction data, which can reduce the loan risk of a loan platform and are beneficial to improving the efficiency of agricultural product transaction.
In a first aspect, an embodiment of the present invention provides a method for processing transaction data of agricultural products, where the method includes:
displaying to a user at least one sales plan for the farmed agricultural product issued by the farmer;
generating a loan request when the user selects an objective sales plan from the at least one sales plan;
and acquiring the working information of the user, auditing the loan request according to the working information, and determining the loan amount corresponding to the loan request according to the target sales plan when the auditing is passed.
In one embodiment, the presenting to the user at least one sales plan for the farmed agricultural product issued by the farmer comprises:
acquiring purchasing requirements of the user, wherein the purchasing requirements comprise purchasing quantity and purchasing varieties of agricultural products planned to be purchased;
and displaying at least one selling plan of the cultured agricultural products released by the farmers to the user according to the purchase quantity and the purchase variety, wherein the variety of the cultured agricultural products released by the farmers is the same as the purchase variety, and the selling quantity corresponding to the selling plan is greater than or equal to the purchase quantity.
In one embodiment, the auditing the loan request based on the job information includes:
determining whether the user has purchasing requirements according to the working information;
if yes, determining whether the purchase quantity corresponding to the purchase demand meets a preset quantity threshold, and determining that the verification of the loan request is passed when the purchase quantity meets the preset quantity threshold;
if not, determining that the audit of the loan request is not passed.
In one embodiment, the determining the loan amount corresponding to the loan request according to the target sales plan when the audit is passed includes:
Acquiring the amount of the deposit prestored by the user when the auditing is passed;
and determining the highest loan amount provided for the user according to the amount of the deposit and the purchase quantity, and determining the loan amount corresponding to the loan request according to the highest loan amount and the target sales plan.
In one embodiment, the determining the loan amount corresponding to the loan request based on the highest loan amount and the target sales plan includes:
determining a sales total according to the target sales plan;
if the total selling price is higher than or equal to the highest loan amount, determining the highest loan amount as the loan amount corresponding to the loan request;
and if the total selling price is lower than the highest loan amount, determining the total selling price as the loan amount corresponding to the loan request.
In one embodiment, the method further comprises:
obtaining a repayment amount corresponding to the current outstanding loan money of the farmer;
when the loan amount is smaller than the repayment amount, the difference value of the repayment amount minus the loan amount is used as the repayment amount of the loan money which is not currently settled by the farmer;
And when the loan amount is greater than or equal to the repayment amount, performing account-settling processing on the loan money which is not settled currently by the farmer, and paying the money deducted from the repayment amount to the farmer.
In one embodiment, after the user selects the target sales plan from the at least one sales plan and generates the loan request, the method further includes, before acquiring the work information of the user and auditing the loan request according to the work information:
acquiring an adjustment operation of the user on the target sales plan, wherein the adjustment operation comprises quantity adjustment;
and correspondingly adjusting the target sales plan according to the adjustment operation.
In a second aspect, an embodiment of the present invention provides an agricultural product transaction data processing apparatus, wherein the apparatus includes:
a display unit for displaying to a user at least one sales plan of the cultivated agricultural products issued by the farmer;
a generation unit configured to generate a loan request when the user selects an objective sales plan from the at least one sales plan;
the auditing unit is used for acquiring the working information of the user and auditing the loan request according to the working information;
And the determining unit is used for determining the loan amount corresponding to the loan request according to the target sales plan when the auditing unit audits to pass.
In one embodiment, the display unit is specifically configured to:
acquiring purchasing requirements of the user, wherein the purchasing requirements comprise purchasing quantity and purchasing varieties of agricultural products planned to be purchased;
and displaying at least one selling plan of the cultured agricultural products released by the farmers to the user according to the purchase quantity and the purchase variety, wherein the variety of the cultured agricultural products released by the farmers is the same as the purchase variety, and the selling quantity corresponding to the selling plan is greater than or equal to the purchase quantity.
In one embodiment, the auditing unit is specifically configured to:
determining whether the user has purchasing requirements according to the working information;
if yes, determining whether the purchase quantity corresponding to the purchase demand meets a preset quantity threshold, and determining that the verification of the loan request is passed when the purchase quantity meets the preset quantity threshold;
if not, determining that the audit of the loan request is not passed.
In an embodiment, the determining unit is specifically configured to:
Acquiring the amount of the deposit prestored by the user when the auditing is passed;
and determining the highest loan amount provided for the user according to the amount of the deposit and the purchase quantity, and determining the loan amount corresponding to the loan request according to the highest loan amount and the target sales plan.
In an embodiment, the determining unit is specifically configured to:
determining a sales total according to the target sales plan;
if the total selling price is higher than or equal to the highest loan amount, determining the highest loan amount as the loan amount corresponding to the loan request;
and if the total selling price is lower than the highest loan amount, determining the total selling price as the loan amount corresponding to the loan request.
In one embodiment, the apparatus further comprises: an acquisition unit and a payment unit.
The obtaining unit is used for obtaining the repayment amount corresponding to the current outstanding loan money of the farmer;
the determining unit is further configured to, when the loan amount is smaller than the repayment amount, use a difference obtained by subtracting the repayment amount from the loan amount as a repayment amount of a loan amount that is not currently settled by the farmer;
And the payment unit is used for performing account-settling processing on the loan money which is not currently settled by the farmer when the loan amount is greater than or equal to the repayment amount, and paying the money deducted from the repayment amount to the farmer.
In one embodiment, the apparatus further comprises:
the acquisition unit is further used for acquiring an adjustment operation of the user on the target sales plan, wherein the adjustment operation comprises quantity adjustment;
and the adjusting unit is used for correspondingly adjusting the target sales plan according to the adjusting operation.
In a third aspect, an embodiment of the present invention provides a server, including a memory, a processor, and a transceiver, where the memory stores a computer program, and the transceiver is configured to receive and send a message under control of the processor, and when the processor executes the computer program, the processor implements a method according to any one of the first aspects.
In a fourth aspect, embodiments of the present invention provide a computer readable storage medium storing a computer program, the computer program implementing a method according to any one of the first aspects when executed by a processor.
In the embodiment of the invention, the server can display at least one sales plan issued by the farmer to the user, generate a loan request when the user selects an objective sales plan from the at least one sales plan, pay corresponding payable funds to the farmer according to the funds corresponding to the objective sales plan after the loan request is checked, and provide loan service to the possible purchasing user by matching the sales information of the farmer with the purchasing information of the user, thereby being beneficial to effectively reducing the loan risk and improving the efficiency of agricultural product transaction while being beneficial to successfully selling agricultural products planned for the farmer.
Detailed Description
The following description of the embodiments of the present application will be made clearly and completely with reference to the accompanying drawings, in which it is apparent that the embodiments described are only some embodiments of the present application, but not all embodiments. All other embodiments, which can be made by those skilled in the art based on the embodiments of the application without any inventive effort, are intended to be within the scope of the application.
In order to reduce the lending risk of the loan platform and effectively improve the success rate of the agricultural product transaction, the application provides an agricultural product transaction data processing system, which can comprise a terminal 101 corresponding to a user, a terminal 102 corresponding to a farmer and a server 103 corresponding to the loan platform, as shown in fig. 1. When the farmer has a sales plan for agricultural products, the sales plan for agricultural products may be issued to the loan platform through the corresponding terminal 102, and the loan platform 103 may push the sales plan to the corresponding terminal 101 of the user who has a possibility of purchasing after receiving the sales plan, and display at least one sales plan issued by the farmer in the corresponding terminal 101 of the user.
After receiving the displayed at least one sales plan, the user can determine an objective sales plan from the at least one sales plan according to own purchasing requirements, generate a loan request and a loan amount corresponding to the loan request according to the objective sales plan, and pay the loan amount to an account corresponding to the farmer after the server 103 corresponding to the loan platform audits the loan request, and inform the terminal 101 corresponding to the user to acquire corresponding agricultural products from the farmer.
In one embodiment, to ensure the reliability of the communication data in the terminal 101 corresponding to the user, the terminal 102 corresponding to the farmer, and the server 103 corresponding to the loan platform, the terminal and the server may be carried by a blockchain.
Referring to fig. 2, a schematic flow chart of a method for processing transaction data of agricultural products according to an embodiment of the present invention is shown in fig. 2, where the method may include:
s201, the server presents to the user at least one sales plan for the farmed agricultural products issued by the farmer.
In one embodiment, the user refers to a user having a cooperative relationship with the loan platform, where the cooperative relationship may be a user that the loan platform passes the first examination of the loan qualification of the user, for example, the loan platform may perform the first examination of the credit information, repayment capability and job stability of the user, and perform cooperative marking on the user when the first examination passes, so as to increase the loan speed of the server for the user.
When the server displays at least one sales plan of the agricultural products cultivated by the server, which is issued by the farmer, to the user, the type information of the submitted agricultural products can be acquired first, and a target agricultural product matched with the type information is determined from the agricultural products cultivated by the farmer, so that the at least one sales plan of the target agricultural products, which is issued by the farmer, can be displayed to the user, and the user can select the target sales plan from the at least one sales plan displayed in the corresponding terminal.
In another embodiment, when the server displays at least one sales plan of the agricultural products cultivated by the farmer to the user, the server may also obtain the purchasing requirement of the user first, and display at least one sales plan of the agricultural products cultivated by the farmer to the user according to the number and variety of the agricultural products cultivated by the user plan indicated by the purchasing requirement, where the variety of the agricultural products cultivated by the farmer and the purchasing variety indicated by the purchasing requirement are the same, and the sales number corresponding to the sales plan is greater than or equal to the purchasing number indicated by the purchasing requirement.
In one embodiment, when a farmer has a sales plan for selling agricultural products they are raising, the sales plan may be uploaded to a server through a user terminal, where the sales plan includes at least: after the farmer uploads the sales plan to the server through the corresponding user terminal, if the server determines that the user has a purchase plan for the agricultural product, at least one sales plan issued by the farmer can be displayed to the user through the corresponding terminal of the user, wherein the server can determine that the user has a purchase plan for the agricultural product when receiving the purchase demand uploaded by the user.
In one embodiment, the server may present the at least one sales plan to the user when determining that the user has a demand for purchasing agricultural products, or may push the at least one sales plan to the user who may have a demand for purchasing agricultural products at preset time intervals, etc., where each sales plan presented to the user by the server may be one agricultural product only cultivated by the farmer, or may be multiple agricultural products, and is not limited in the embodiment of the present invention.
S202, the server generates a loan request when the user selects an objective sales plan from the at least one sales plan.
After the server presents the at least one sales plan issued by the farmer to the user, the user may select an objective sales plan from the at least one sales plan based on current purchase demand, and in one embodiment, when the server receives a selection instruction for any one or more of the at least one sales plans, the objective sales plan may be determined based on the indication of the selection instruction. Upon selection of the target sales plan by the user, the server may automatically generate a loan request based on the target sales plan to ensure that the farmer can successfully sell the farmed agricultural product.
In one embodiment, the server may further automatically generate a loan request according to the purchasing demand uploaded by the user, and in particular, the server may match the purchasing demand uploaded by the user with a sales plan of the farmer, and automatically generate the loan request when determining a target sales plan matching the purchasing demand from the at least one sales plan, where matching with the purchasing demand refers to matching with a purchasing variety and/or a purchasing quantity of the planned purchased agricultural product indicated by the purchasing demand.
In one embodiment, when the server generates a loan request according to the target sales plan, the user information of the user when the user registers with the server may be used as the user information of the user to conduct a loan, and further, the server may further determine a loan amount corresponding to the loan request according to the target sales plan. In one embodiment, the server may determine a loan amount corresponding to the generated loan request based on one or more of a target quantity, variety, target sales unit price, and weight of the target agricultural product for which the target sales plan includes a plan to sell; or the user can also fill the amount of the applied loan in the generated loan request when the loan request is generated, wherein the amount of the applied loan filled by the user is smaller than the loan amount determined according to the target sales plan; still alternatively, the server may determine the amount of the loan being paid by the user based on the amount of the deposit of the user on the loan platform.
In one embodiment, after determining the target sales plan, the server may further adjust the number of agricultural products sold by the plan issued in the target sales plan based on the target sales plan so that the number of sales corresponding to the adjusted target sales plan is equal to the number of purchases planned by the user, and after determining the target sales plan, generate a loan request according to the target sales plan, execute step S203 to realize loan to the user.
S203, acquiring the working information of the user, auditing the loan request according to the working information, and determining the loan amount corresponding to the loan request according to the target sales plan when the auditing is passed.
The job information includes one or more of business scale information and sales channel information corresponding to the job of the user, the server can determine whether the user has a purchasing requirement according to the business scale information and the sales channel information of the user, whether the purchasing requirement of the user is reasonable or not according to the business scale information and the sales channel information, if the purchasing quantity corresponding to the purchasing requirement is excessive or not according to the business scale information and/or the purchasing channel information, whether the purchasing variety corresponding to the purchasing requirement accords with the current sales trend or not, and the like.
In one embodiment, after generating a loan request according to a target sales plan selected by a user, the server may audit the loan request based on the acquired related information of the user, and when auditing the loan request, specifically, the server may audit the loan request of the user according to the working information of the user, and when auditing the loan request of the user according to the working information of the user, may determine an operation scale of the user indicated by the working information of the user, so as to determine whether a purchasing requirement of the user is reasonable according to the operation scale, and if it is determined that the purchasing requirement of the user is reasonable, may further determine whether a channel in which the user currently sells the batch of agricultural products is stable, and if it is stable, may indicate that the user may obtain a turnover fund through sales of the batch of agricultural products, that is, may consider that the user has a higher repayment capability, and may determine to pay the user after calculating the loan fund; if unstable, it is stated that the user may not be able to obtain the corresponding turnover funds and either not repay the loan or not repay the loan on time, so that the loan funds cannot be withdrawn and the user's loan request may be rejected.
After the server passes the loan request, in order to avoid that the user obtains loan funds and is not used for purchasing agricultural products, the server can directly pay the money corresponding to the target sales plan (namely, the loan amount corresponding to the loan request) to the farmer, and after the payment is successful, inform the user to acquire the agricultural products corresponding to the target sales plan from the farmer; alternatively, the payment corresponding to the target sales plan may be temporarily stored in a reliable third party platform, for example, the reliable third party platform may be the transaction platform described above, and after it is determined that the farmer delivers the agricultural product corresponding to the target sales plan to the user, the transaction platform is notified to pay the payment to the farmer.
In the embodiment of the invention, the server can display at least one sales plan issued by the farmer to the user, and generate a loan request when the user selects an objective sales plan from the at least one sales plan, so that the work information of the user can be obtained, the loan request is audited according to the work information, and after the loan request is audited, the loan amount corresponding to the loan request is determined according to the objective sales plan, and loan service is provided to a possible purchasing user by matching the sales information of the farmer with the purchasing information of the user, and the work information audit process of the user is added, so that the successful selling of agricultural products planned to be sold by the farmer is facilitated, the loan risk is effectively reduced, and the efficiency of agricultural product transaction is facilitated to be improved.
Referring to fig. 3, a schematic flow chart of a method for processing transaction data of agricultural products according to another embodiment of the present invention is shown in fig. 3, and the method may include:
s301, the server displays at least one selling plan of the cultivated agricultural products released by the farmers to the user.
S302, when the user selects an objective sales plan from the at least one sales plan, the server generates a loan request.
In an embodiment, the specific implementation of step S301 and step S302 may be referred to the descriptions of step S101 and step S102 in the above embodiments, which are not described herein.
S303, the server acquires the working information of the user and audits the loan request according to the working information.
After a loan request is generated according to the selection of a user to an objective sales plan, the working information of the user can be further acquired to realize an auditing process of the loan request, specifically, after the working information of the user is acquired, the server can determine whether the user has a purchasing requirement according to the working information, wherein the working information comprises one or more of occupation information, operation scale information and sales channel information of the user, the server can comprehensively evaluate the purchasing requirement of the user according to the occupation information, the operation scale information and/or the sales channel information to determine whether the user has the purchasing requirement, for example, the server can divide a preset occupation range, operation scale range, sales channel number and other thresholds, so that whether the occupation corresponding to the user belongs to the occupation range can be judged, whether the operation scale is greater than or equal to the preset operation scale range, whether the sales channel number is greater than or equal to the preset sales channel number threshold, and the like, and whether the user has the purchasing requirement is determined.
After determining that the user has a purchase demand, it may further be determined whether the purchase quantity corresponding to the purchase demand of the user meets a preset quantity threshold, in one embodiment, because the user may not be involved in applying for a loan to a loan platform for purchasing of agricultural products in small batches, the preset quantity threshold is typically a larger quantity value, the preset quantity threshold may be, for example, 100 heads or 1000 kilograms, etc., the process of determining whether the purchase quantity meets the preset quantity threshold, that is, the process of determining whether the purchase quantity is greater than or equal to the preset quantity threshold, if so, indicating that the user will make a purchase of agricultural products in large batches, the process of determining that the request for loan passes, if so, the user determines that the purchase quantity of agricultural products by the user is not large and the user has the ability to pay for purchasing of agricultural products in small batches, and the request may not pass.
In one embodiment, the server may further obtain an adjustment operation, such as an adjustment operation for the number or unit price, of the target sales plan by the user before auditing the loan request according to the work information of the user, so that the target sales plan may be correspondingly adjusted according to the adjustment operation to obtain a new target sales plan, so that the server may automatically generate a new loan request according to the new target sales plan and audit the new loan request according to the personal information of the user.
If the number of planned sales included in the target sales plan is greater than the number of purchases the user is expected to purchase, the number in the sales plan may be adjusted such that the number corresponding to the sales plan is equal to the number of purchases the user is expected to purchase. Or if the selling price included in the target selling plan is higher than the estimated price of the user, the user can conduct price negotiation through a server corresponding to the loan platform and the farmer, and adjust the selling price according to the negotiation result, so that the user and the farmer can better form a collecting and selling relationship. In one embodiment, the server may trigger the adjustment of the subject sales plan upon receiving an adjustment operation of the subject sales plan by the user, and may automatically implement the adjustment of the subject sales plan based on the subject sales plan and the purchasing needs of the user.
After the loan request is audited according to the work information of the user, if the audit is passed, the loan amount corresponding to the loan request may be determined according to the target sales plan, i.e., step S304 and step S305 are performed instead.
And S304, when the auditing is passed, the server acquires the amount of the deposit prestored by the user.
S305, the server determines the highest loan amount provided for the user according to the amount of the deposit and the purchase amount, and determines the corresponding loan amount of the loan request according to the highest loan amount and the target sales plan.
In step S304-step S305, the amount of the deposit pre-stored in the server corresponding to the loan platform is set to prevent the user from cheating the loan, the user may determine the amount of the deposit pre-stored in the server according to the working information, such as professional information, business scale information or sales channel information, etc., if the user determines that the sales channel is stable and the business scale is large, a larger amount of deposit may be pre-stored in the server, so that the server provides the user with a larger amount of the loan, such as 10 ten thousand deposit may be stored in the server; if the user determines that the sales channel is unstable and the operating scale is small, a small amount of the deposit may be pre-stored in the server, such as storing 1 ten thousand deposit.
After the server determines the amount of the deposit pre-stored by the user, the server may further determine the highest loan amount provided for the user by combining the purchase amount, specifically, if the pre-stored amount of the deposit is larger and the purchase amount indicated by the purchase demand of the user is larger, the highest loan amount value provided for the user is higher, for example, if the pre-stored amount of the deposit is 10 ten thousand and the purchase amount is 5 ten thousand, the server determines that the highest loan amount value provided for the user may be 100 ten thousand; if the pre-stored amount of deposit is large, but the required purchase amount is small, the highest value of credit that can be provided to the user is low, e.g., when the pre-stored amount of deposit is 10 ten thousand and the purchase amount is 1000, the server determines that the highest value of credit that can be provided to the user is likely to be 30 ten thousand.
In one embodiment, the highest loan amount is a loan limit that the loan platform can provide a loan to the user, after determining the highest loan amount, the server may determine the loan amount corresponding to the loan request, specifically, the server may determine a total sales price according to the target sales plan, and compare the total sales price with the highest loan amount, and if the total sales price is greater than or equal to the highest loan amount, determine the highest loan amount as the loan amount corresponding to the loan request to prevent the loan platform from being unable to retrieve the loan issued on time due to providing a loan that does not match the user's compensation capabilities; if the sales total is less than the highest loan amount, the sales total is determined to be the corresponding loan amount for the loan request.
After determining the loan amount corresponding to the loan request, if the loan amount is paid to the user directly and the user uses the loan funds to purchase agricultural products, the server cannot track the loan funds, that is, if the user applying for the loan uses the loan funds not for purchasing agricultural products, the possible funds loss can greatly increase the loan risk of the loan platform.
Therefore, in order to reduce the loan risk of the loan platform, the loan platform can be tracked, wherein the loan platform can track the loan funds in a way of not directly paying the loan funds to the user, in one embodiment, the loan platform can track the loan funds in a way of paying the corresponding loan funds to the farmer, so as to avoid the situation that the user obtains the loan funds but is not used for purchasing agricultural products, thereby effectively avoiding the loan fraud caused by the user applying for the loan request for the agricultural products.
In one embodiment, the loan platform may pay the corresponding loan funds to the farmer after determining that the farmer delivers the agricultural product corresponding to the target sales plan to the user, so as to avoid the farmer from rejecting the agricultural product corresponding to the target sales plan (or the adjusted target sales plan) to be delivered to the user after acquiring the payable, wherein the payable to the farmer may be temporarily stored in a third party platform, and the third party platform may be notified to successfully pay the payable to the farmer after determining that the farmer delivers the agricultural product corresponding to the target sales plan to the user, wherein the third party platform may be a transaction platform with higher credit, for example.
The server may determine whether the farmer successfully delivers the agricultural product corresponding to the target sales plan to the user through the logistics information transmitted by the transportation unit, and specifically, the server may transmit a transportation instruction to a designated transportation unit and acquire the logistics information of the designated transportation unit in the process of transporting the agricultural product corresponding to the target sales plan while requesting the loan, and determine that the farmer delivers the agricultural product corresponding to the target sales plan to the user when the logistics information indicates that the designated transportation unit delivers the agricultural product corresponding to the target sales plan to the user. In one embodiment, the server may determine to deliver the agricultural product corresponding to the target sales plan to the user when the logistics information indicates that the designated transportation route is from the farmer's location to the user's location.
After determining that the farmer delivers the agricultural product corresponding to the target sales plan to the user, the server can acquire the loan record of the farmer on the loan platform when determining the payable amount paid to the farmer, and determine the payable amount paid to the farmer according to the loan record. Specifically, the repayment amount corresponding to the current outstanding loan of the farmer can be obtained first, so that the repayment amount corresponding to the current outstanding loan of the farmer can be compared with the repayment amount, and if the repayment amount is smaller than the repayment amount corresponding to the current outstanding loan of the farmer, the difference of the repayment amount minus the repayment amount is taken as the repayment amount of the current outstanding loan of the farmer when the outstanding loan applied by the farmer is larger than the corresponding funds of the farmer in the transaction.
If the loan amount is greater than or equal to the repayment amount corresponding to the currently uncleaned loan amount of the farmer, which means that the uncleaned amount of the loan applied by the farmer on the loan platform is less than or equal to the amount which the farmer should answer in the transaction, performing account-settling processing on the currently uncleaned loan amount of the farmer, and paying the amount deducted from the repayment amount to the farmer.
In the embodiment of the invention, the server can display at least one sales plan of the cultivated agricultural products released by the farmer to the user, and generate a loan request when the user determines the target sales plan from the at least one sales plan, further the server can acquire the working information of the user and audit the loan request according to the working information, if the audit is passed, the highest loan amount provided for the user can be determined based on the amount of the guarantee fund prestored in the loan platform and the number of planned purchases of the user, after the highest loan amount is determined, the target sales plan can be combined, the loan amount actually released for the user can be determined, and after the farmer is determined to deliver the agricultural products corresponding to the new target sales plan to the user, the payable amount is paid to the account corresponding to the farmer, so that the tracing of the fund flow of the user can be realized, the loan risk of the loan platform can be reduced, and the loan platform can automatically generate the loan request based on the sales plan selected by the user, thereby being beneficial to improving the success rate of transactions.
The embodiment of the invention also provides an agricultural product transaction data processing device, which is used for executing the unit of the method. In particular, referring to fig. 4, a schematic block diagram of an agricultural product transaction data processing device according to an embodiment of the present invention is provided. The loan auditing device of the embodiment comprises: a presentation unit 401, a generation unit 402, an auditing unit 403, and a determination unit 404.
A display unit 401 for displaying to a user at least one sales plan of the cultivated agricultural products issued by the farmer;
a generation unit 402 for generating a loan request when the user selects a target sales plan from the at least one sales plan;
an auditing unit 403, configured to obtain working information of the user, and audit the loan request according to the working information;
a determining unit 404 for determining a loan amount corresponding to the loan request according to the target sales plan when the auditing unit 403 audits to pass.
In one embodiment, the display unit 401 is specifically configured to:
acquiring purchasing requirements of the user, wherein the purchasing requirements comprise purchasing quantity and purchasing varieties of agricultural products planned to be purchased;
And displaying at least one selling plan of the cultured agricultural products released by the farmers to the user according to the purchase quantity and the purchase variety, wherein the variety of the cultured agricultural products released by the farmers is the same as the purchase variety, and the selling quantity corresponding to the selling plan is greater than or equal to the purchase quantity.
In one embodiment, the auditing unit 403 is specifically configured to:
determining whether the user has purchasing requirements according to the working information;
if yes, determining whether the purchase quantity corresponding to the purchase demand meets a preset quantity threshold, and determining that the verification of the loan request is passed when the purchase quantity meets the preset quantity threshold;
if not, determining that the audit of the loan request is not passed.
In one embodiment, the determining unit 404 is specifically configured to:
acquiring the amount of the deposit prestored by the user when the auditing is passed;
and determining the highest loan amount provided for the user according to the amount of the deposit and the purchase quantity, and determining the loan amount corresponding to the loan request according to the highest loan amount and the target sales plan.
In one embodiment, the determining unit 404 is specifically configured to:
Determining a sales total according to the target sales plan;
if the total selling price is higher than or equal to the highest loan amount, determining the highest loan amount as the loan amount corresponding to the loan request;
and if the total selling price is lower than the highest loan amount, determining the total selling price as the loan amount corresponding to the loan request.
In one embodiment, the apparatus further comprises: an acquisition unit 405 and a payment unit 406.
An obtaining unit 405, configured to obtain a repayment amount corresponding to the current outstanding loan payment of the farmer;
the determining unit 404 is further configured to, when the loan amount is less than the repayment amount, use a difference obtained by subtracting the repayment amount from the loan amount as a repayment amount of a loan amount that is not currently settled by the farmer;
and a payment unit 406, configured to perform a payment processing on the loan money that is not currently settled by the farmer when the loan amount is greater than or equal to the repayment amount, and pay the money after deducting the repayment amount to the farmer.
In one embodiment, the apparatus further comprises:
the acquiring unit 405 is further configured to acquire an adjustment operation of the user on the target sales plan, where the adjustment operation includes quantity adjustment;
An adjusting unit 407, configured to perform corresponding adjustment on the target sales plan according to the adjustment operation.
In this embodiment of the present invention, the display unit 401 may display at least one sales plan issued by a farmer to a user, and when the user selects an objective sales plan from the at least one sales plan, the generating unit 402 generates a loan request, so that the auditing unit 403 may obtain working information of the user, and audit the loan request according to the working information, and after the auditing unit 403 audits the loan request, the determining unit 404 determines a loan amount corresponding to the loan request according to the objective sales plan, and provides a loan service to a possible purchasing user by matching the sales information of the farmer with the purchase information of the user, and in addition, the working information auditing process of the user is beneficial to effectively reducing the lending risk and helping to improve the efficiency of the transaction while successfully selling the agricultural products planned for the farmer.
Referring to fig. 5, a schematic block diagram of a server according to an embodiment of the present invention is provided, where the server is used to implement the loan platform mentioned in the above method embodiment. The server in the present embodiment as shown in the drawings may include: one or more processors 501; one or more network interfaces 502, and a memory 503. The processor 501, the network interface 502, and the memory 503 are connected via a bus 504. The memory 503 is for storing a computer program comprising program instructions, and the processor 501 is for executing the program instructions stored by the memory 503. Wherein the processor 501 is configured to invoke the program instruction execution:
Displaying to a user at least one sales plan for the farmed agricultural product issued by the farmer;
generating a loan request when the user selects an objective sales plan from the at least one sales plan;
and acquiring the working information of the user, auditing the loan request according to the working information, and determining the loan amount corresponding to the loan request according to the target sales plan when the auditing is passed.
In one embodiment, the processor 501 is further configured to invoke the program instruction to execute:
acquiring purchasing requirements of the user, wherein the purchasing requirements comprise purchasing quantity and purchasing varieties of agricultural products planned to be purchased;
and displaying at least one selling plan of the cultured agricultural products released by the farmers to the user according to the purchase quantity and the purchase variety, wherein the variety of the cultured agricultural products released by the farmers is the same as the purchase variety, and the selling quantity corresponding to the selling plan is greater than or equal to the purchase quantity.
In one embodiment, the processor 501 is further configured to invoke the program instruction to execute:
determining whether the user has purchasing requirements according to the working information;
If yes, determining whether the purchase quantity corresponding to the purchase demand meets a preset quantity threshold, and determining that the verification of the loan request is passed when the purchase quantity meets the preset quantity threshold;
if not, determining that the audit of the loan request is not passed.
In one embodiment, the processor 501 is further configured to invoke the program instruction to execute:
acquiring the amount of the deposit prestored by the user when the auditing is passed;
and determining the highest loan amount provided for the user according to the amount of the deposit and the purchase quantity, and determining the loan amount corresponding to the loan request according to the highest loan amount and the target sales plan.
In one embodiment, the processor 501 is further configured to invoke the program instruction to execute:
determining a sales total according to the target sales plan;
if the total selling price is higher than or equal to the highest loan amount, determining the highest loan amount as the loan amount corresponding to the loan request;
and if the total selling price is lower than the highest loan amount, determining the total selling price as the loan amount corresponding to the loan request.
In one embodiment, the processor 501 is further configured to invoke the program instruction to execute:
obtaining a repayment amount corresponding to the current outstanding loan money of the farmer;
when the loan amount is smaller than the repayment amount, the difference value of the repayment amount minus the loan amount is used as the repayment amount of the loan money which is not currently settled by the farmer;
and when the loan amount is greater than or equal to the repayment amount, performing account-settling processing on the loan money which is not settled currently by the farmer, and paying the money deducted from the repayment amount to the farmer.
In one embodiment, the processor 501 is further configured to invoke the program instruction to execute:
acquiring an adjustment operation of the user on the target sales plan, wherein the adjustment operation comprises quantity adjustment;
and correspondingly adjusting the target sales plan according to the adjustment operation.
In another embodiment of the present invention, a computer readable storage medium is provided, which stores a computer program comprising program instructions which, when executed by a processor, implement the methods described above in fig. 2 and 3.
While the invention has been described with reference to certain preferred embodiments, it will be understood by those skilled in the art that various changes and substitutions of equivalents may be made and equivalents will be apparent to those skilled in the art without departing from the scope of the invention. Therefore, the protection scope of the invention is subject to the protection scope of the claims.