CN111984681A

CN111984681A - Post-credit investigation method and device

Info

Publication number: CN111984681A
Application number: CN202010841694.7A
Authority: CN
Inventors: 胡莹; 李炫裕
Original assignee: Bank of China Ltd
Current assignee: Bank of China Ltd
Priority date: 2020-08-20
Filing date: 2020-08-20
Publication date: 2020-11-24
Anticipated expiration: 2040-08-20
Also published as: CN111984681B

Abstract

The invention discloses a post-credit investigation method and a post-credit investigation device, wherein the method comprises the following steps: carrying out fragment processing on the client data after the loan by adopting a Hash modular extraction method to obtain a fragment number; acquiring post-credit customer data corresponding to the segment number to be inquired on the target day, and creating a sliding window according to the inquiry amount to be completed on the target day; sending a post-credit investigation request to a credit investigation system by using a sliding window according to post-credit customer data corresponding to the segment number to be investigated on the target day; receiving a query result fed back by the credit investigation system according to the query request, and acquiring the response speed of each query request in the query result; and adjusting the size of the sliding window according to the response speed. The invention can ensure uniform distribution of client data after loan, reduce system pressure, improve resource utilization rate and avoid the problems of resource waste and congestion.

Description

Post-credit investigation method and device

Technical Field

The invention relates to the technical field of financial credit, in particular to a post-credit investigation query method and a post-credit investigation query device.

Background

With the drive of real estate and the pulling of consumption finance in recent years, the bank loan scale is steadily enlarged year by year, and in order to avoid the gradual accumulation of the reject ratio, the information of a borrower needs to be regularly tracked and checked after loan. The personal credit is not only used as a main basis for the loan risk of the borrower in the loan, but also one of the important links for preventing bad loans and excessive debts in the post-loan management, and can help the bank dynamically know the change trend of the personal credit condition and take an expediting means or value-added service in time. The individual credit investigation means that the credit investigation institution collects, processes and stores the individual credit information of the citizens scattered in the relevant aspects of the commercial banks and the society through the convention with the commercial banks and the relevant departments to form a credit information database, thereby providing the business activities for the customers to know the individual credit conditions of the citizens.

In the prior art, when post-loan credit investigation is performed, generally, a client with a loan balance is subjected to batch investigation according to the loan application date of the client, and an inquiry request is sent to a credit investigation system at a fixed rate at a fixed time and a fixed concurrent number every day by a fixed time schedule according to a batch result, so as to complete post-loan credit investigation.

The inventor finds that the prior art has at least the following problems:

1. the loan application days are not uniformly distributed, the difference between the peak value and the valley value of the daily query quantity is large, the query quantity is increased rapidly in a certain day, and the resources of a database and a server are in shortage, so that the normal operation of other functions is influenced.

2. Credit investigation after credit is triggered at fixed time every day through a timing plan, flexibility is low, and the utilization rate of the system in idle time is low.

3. The sending rate of the query request is fixed, dynamic adjustment cannot be performed according to the response condition of the credit investigation system, whether congestion exists in the query cannot be sensed, and if congestion exists, the congestion situation is aggravated.

4. When the query is performed, the peak requirement needs to be met, and then the waste of system resources is easily caused when the query is not performed at the peak.

Disclosure of Invention

The embodiment of the invention provides a credit investigation method after credit, which is used for ensuring uniform distribution of client data after credit, reducing system pressure, improving resource utilization rate and avoiding resource waste and congestion problems, and comprises the following steps:

carrying out fragment processing on the client data after the loan by adopting a Hash modular extraction method to obtain a fragment number;

acquiring post-credit customer data corresponding to the segment number to be inquired on the target day, and creating a sliding window according to the inquiry amount to be completed on the target day;

sending a post-credit investigation request to a credit investigation system by using a sliding window according to post-credit customer data corresponding to the segment number to be investigated on the target day;

receiving a query result fed back by a credit investigation system according to the query request, and acquiring the response speed of each query request in the query result;

and adjusting the size of the sliding window according to the response speed.

Optionally, the method further includes:

and calibrating the post-credit customer data corresponding to the fragment number obtained by performing fragment processing on the post-credit customer data by adopting a Hash modulus method every preset time.

Optionally, adjusting the size of the sliding window according to the response speed includes:

acquiring response acceleration according to the response speed;

and adjusting the size of the sliding window according to the response acceleration.

Optionally, after adjusting the size of the sliding window according to the response acceleration, the method further includes:

and taking the adjusted size of the sliding window as the initial size of the sliding window of the next day of the target day, and performing credit investigation.

The embodiment of the invention also provides a credit investigation device after credit, which is used for ensuring that the data distribution of clients after credit is uniform, reducing the system pressure, improving the resource utilization rate and avoiding the problems of resource waste and congestion, and comprises:

the fragment processing module is used for carrying out fragment processing on the client data after the loan by adopting a Hash model taking method so as to obtain a fragment number;

the sliding window creating module is used for acquiring post-credit customer data corresponding to the segment number to be inquired in the target day and creating a sliding window according to the inquiry amount to be completed in the target day;

the credit investigation query module is used for sending a credit investigation query request after credit to a credit investigation system by using a sliding window according to the credit customer data corresponding to the segment number to be queried on the target day;

the response speed acquisition module is used for receiving the query result fed back by the credit investigation system according to the query request and acquiring the response speed of each query request in the query result;

and the sliding window adjusting module is used for adjusting the size of the sliding window according to the response speed.

Optionally, the apparatus further comprises:

and the calibration module is used for calibrating the post-credit customer data corresponding to the fragment number obtained by performing fragment processing on the post-credit customer data by adopting a Hash modulus method every preset time.

Optionally, the sliding window adjusting module is further configured to:

acquiring response acceleration according to the response speed;

Optionally, the apparatus further comprises:

and the next day credit investigation module is used for taking the adjusted size of the sliding window as the initial size of the sliding window of the next day of the target day to perform credit investigation.

The embodiment of the present invention further provides a computer device, which includes a memory, a processor, and a computer program stored in the memory and executable on the processor, and the processor implements the method when executing the computer program.

An embodiment of the present invention further provides a computer-readable storage medium, in which a computer program for executing the above method is stored.

In the embodiment of the invention, the post-loan client data is subjected to fragmentation processing by adopting a Hash modulus taking method to obtain the fragmentation number, so that the post-loan client data is uniformly distributed, the system pressure is reduced, the resource utilization is reasonable, and the normal operation of other functions is not influenced. By acquiring the credited client data corresponding to the segment number to be inquired on the target day, creating a sliding window according to the inquiry amount to be completed on the target day, sending the credit investigation request after credit to the credit investigation system by using the sliding window according to the credited client data corresponding to the segment number to be inquired on the target day, receiving the inquiry result fed back by the credit investigation system according to the inquiry request, acquiring the response speed of each inquiry request in the inquiry result, and adjusting the size of the sliding window according to the response speed, the dynamic adjustment of the sliding window is realized, the resource waste and congestion problems are avoided, and the resource utilization rate is improved.

Drawings

In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to the drawings without creative efforts. In the drawings:

FIG. 1 is a flow chart of a post-credit inquiry method according to an embodiment of the present invention;

FIG. 2 is a flowchart of a post-credit inquiry method according to another embodiment of the present invention;

FIG. 3 is a schematic structural diagram of a post-credit inquiry apparatus according to an embodiment of the present invention;

fig. 4 is a schematic diagram of another structure of the credit inquiry apparatus after credit in the embodiment of the present invention;

fig. 5 is a diagram illustrating an exemplary embodiment of a post-credit inquiry performed on a target day and a day following the target day;

FIG. 6 is a schematic diagram of a computer device according to an embodiment of the present invention.

Detailed Description

In order to make the objects, technical solutions and advantages of the embodiments of the present invention more apparent, the embodiments of the present invention are further described in detail below with reference to the accompanying drawings. The exemplary embodiments and descriptions of the present invention are provided to explain the present invention, but not to limit the present invention.

The names involved in the present invention are explained below:

after the loan: and after the loan approval is completed and the loan is paid, the loan fund use, the credit of the borrower and the change of the guarantee condition are tracked, checked, monitored and analyzed.

Personal credit investigation: the credit investigation institution collects, processes and stores the personal credit information of citizens scattered in the relevant aspects of various commercial banks and society by convention with commercial banks and relevant departments to form a credit information database, and provides service business activities for clients to know the personal credit conditions of the relevant citizens.

Fig. 1 is a flowchart of a credit investigation method after credit according to an embodiment of the present invention, as shown in fig. 1, the method includes:

and step 101, carrying out fragmentation processing on the credited client data by adopting a Hash modular extraction method to obtain a fragmentation number.

In specific implementation, the post-loan clients are segmented and the post-loan client data corresponding to the segments are determined to be processed on the same day so as to balance the daily grasping quantity. And uniformly dividing all the credited client data into different fragments according to the certificate numbers of the credited client data by a Hash modular method, and then performing fragment processing on the daily incremental clients by adopting the same method and dividing the daily incremental clients into corresponding fragment numbers.

After the fragment number is obtained, a plurality of fragment numbers are processed by adopting a polling method, specifically, a polling initial number and the fragment number are set according to parameter configuration, and the polling number is automatically calculated during operation without manual intervention again. And during slicing, slicing the newly added credit clients in a daily increment mode to accelerate slicing efficiency. The method for fragmenting the data by the Hash modular extraction method can enable the captured data to be distributed more uniformly, reduce the dependence of the fragmentation on service meaning, and avoid the problems of large fluctuation of the captured quantity per day and uneven resource consumption.

In addition, before the post-loan client data is processed in a fragmentation mode, whether a client in the post-loan client data has a loan balance needs to be judged first, and if no loan balance exists, the client does not need to be processed in a fragmentation mode.

And 102, acquiring post-credit customer data corresponding to the segment number to be inquired on the target day, and creating a sliding window according to the inquiry amount to be completed on the target day.

And 103, sending a post-credit investigation query request to a credit investigation system by using a sliding window according to post-credit customer data corresponding to the segment number to be inquired on the target day.

And 104, receiving the query result fed back by the credit investigation system according to the query request, and acquiring the response speed of each query request in the query result.

When the method is implemented specifically, the request and the receiving time of each credit investigation query are monitored, the response duration is calculated, when the receiving amount is equal to the size of the current window, the response average rate of the window is continuously calculated, the rate change is monitored, and the response pressure condition and the change trend of the current credit investigation system can be immediately mastered by monitoring the response rate.

And 105, adjusting the size of the sliding window according to the response speed.

In an embodiment, adjusting the sliding window size according to the response speed comprises:

acquiring response acceleration according to the response speed;

During specific implementation, when the receiving quantity exceeds the size of the current sliding window and then the window response rate and the acceleration are calculated in real time, the sliding window is adjusted according to the acceleration equal proportion, if the acceleration is a positive number, the sliding window is widened, and if the acceleration is a negative number, the sliding window is narrowed.

Further, after adjusting the size of the sliding window according to the response acceleration, the method further includes:

acquiring the average speed of a plurality of credit investigation inquiry responses of a target day;

and creating a sliding window of the next day of the target day according to the average speed of the multiple credit investigation inquiry responses of the target day.

In specific implementation, firstly, according to the premise that the current-day slice total record is processed, the initial value of the size of the sliding window is defined by combining the average capture rate of the previous day; then, the size of a sliding window is adjusted in equal proportion according to the change condition of the response acceleration, the minimum value of the sliding window can be 0, the current grabbing channel is seriously blocked, the system stops grabbing operation, the aggravated blocking degree is avoided, and the sliding window is gradually enlarged after the response speed is stably recovered; and finally, after all the fragment records are completely captured, monitoring is suspended, and system resources are released in time. By adjusting the sliding window in time, flexibility of credit investigation after credit is improved, congestion caused by resource occupation of messages is avoided, system resource utilization is more reasonable, system instantaneous pressure is reduced, and credit investigation after credit is performed on a target day and the next day of the target day can be seen in fig. 5.

As can be seen from fig. 1, the post-credit investigation query method provided in the embodiment of the present invention performs fragmentation processing on post-credit client data by using a hash modeling method to obtain fragmentation numbers, so as to ensure uniform distribution of post-credit client data, reduce system pressure, and make reasonable use of resources without affecting normal operation of other functions. By acquiring the credited client data corresponding to the segment number to be inquired on the target day, creating a sliding window according to the inquiry amount to be completed on the target day, sending the credit investigation request after credit to the credit investigation system by using the sliding window according to the credited client data corresponding to the segment number to be inquired on the target day, receiving the inquiry result fed back by the credit investigation system according to the inquiry request, acquiring the response speed of each inquiry request in the inquiry result, and adjusting the size of the sliding window according to the response speed, the dynamic adjustment of the sliding window is realized, the resource waste and congestion problems are avoided, and the resource utilization rate is improved.

Fig. 2 is another flowchart of a credit investigation method after credit according to an embodiment of the present invention, as shown in fig. 2, the method further includes:

step 201, calibrating the post-credit customer data corresponding to the segment number obtained by carrying out the segment processing on the post-credit customer data by adopting a Hash modular extraction method every preset time length.

In the embodiment, since the client loan is required to be removed from the post-loan credit inquiry client list after the loan is settled, that is, the data volume in the stock segment may change in real time, the segment needs to be periodically calibrated to ensure uniform segmentation all the time, and the client after the full loan is periodically re-segmented through parameter configuration. For the parameters: besides dynamic self-adjustment in the operation process, manual calibration is supported so as to adapt to the scenes of business diversity.

Based on the same inventive concept, the embodiment of the present invention further provides a credit inquiry device after credit, as described in the following embodiments. Because the principle of solving the problem of the post-credit inquiry device is similar to that of the post-credit inquiry method, the implementation of the post-credit inquiry device can be referred to the implementation of the post-credit inquiry method, and repeated details are omitted. As used hereinafter, the term "unit" or "module" may be a combination of software and/or hardware that implements a predetermined function. Although the means described in the embodiments below are preferably implemented in software, an implementation in hardware, or a combination of software and hardware is also possible and contemplated.

Fig. 3 is a schematic structural diagram of an apparatus for inquiring credit after credit according to an embodiment of the present invention, as shown in fig. 3, the apparatus includes:

the fragment processing module 301 is configured to perform fragment processing on the lended client data by using a hash modulus method to obtain a fragment number;

a sliding window creating module 302, configured to obtain post-credit client data corresponding to the segment number to be queried on the target day, and create a sliding window according to a query amount to be completed on the target day;

the credit investigation module 303 is configured to send a credit investigation request after credit to a credit investigation system by using a sliding window according to the credit customer data corresponding to the segment number to be investigated on the target day;

a response speed obtaining module 304, configured to receive a query result fed back by the credit investigation system according to the query request, and obtain a response speed of each query request in the query result;

a sliding window adjusting module 305, configured to adjust the size of the sliding window according to the response speed.

Fig. 4 is a schematic structural diagram of a credit inquiry apparatus after credit according to an embodiment of the present invention, as shown in fig. 4, the apparatus further includes:

the calibration module 401 is configured to calibrate, every preset time interval, post-loan client data corresponding to a fragment number obtained by performing fragment processing on the post-loan client data by using a hash modulus method.

In an embodiment of the present invention, the sliding window adjusting module 305 is further configured to:

acquiring response acceleration according to the response speed;

In an embodiment of the present invention, the apparatus further includes:

the average speed acquisition module is used for acquiring the average speed of a plurality of credit investigation inquiry responses of a target day;

and the next day sliding window creating module is used for creating a sliding window of the next day of the target day according to the average speed of the multiple credit investigation inquiry responses of the target day.

To achieve the above object, according to another aspect of the present application, there is also provided a computer apparatus. As shown in fig. 6, the computer device comprises a memory, a processor, a communication interface and a communication bus, wherein a computer program that can be run on the processor is stored in the memory, and the steps of the method of the above embodiment are realized when the processor executes the computer program.

The processor may be a Central Processing Unit (CPU). The Processor may also be other general purpose processors, Digital Signal Processors (DSPs), Application Specific Integrated Circuits (ASICs), Field Programmable Gate Arrays (FPGAs) or other Programmable logic devices, discrete Gate or transistor logic devices, discrete hardware components, or a combination thereof.

The memory, which is a non-transitory computer readable storage medium, may be used to store non-transitory software programs, non-transitory computer executable programs, and units, such as the corresponding program units in the above-described method embodiments of the present invention. The processor executes various functional applications of the processor and the processing of the work data by executing the non-transitory software programs, instructions and modules stored in the memory, that is, the method in the above method embodiment is realized.

The memory may include a storage program area and a storage data area, wherein the storage program area may store an operating system, an application program required for at least one function; the storage data area may store data created by the processor, and the like. Further, the memory may include high speed random access memory, and may also include non-transitory memory, such as at least one disk storage device, flash memory device, or other non-transitory solid state storage device. In some embodiments, the memory optionally includes memory located remotely from the processor, and such remote memory may be coupled to the processor via a network. Examples of such networks include, but are not limited to, the internet, intranets, local area networks, mobile communication networks, and combinations thereof.

The one or more units are stored in the memory and when executed by the processor perform the method of the above embodiments.

In conclusion, the method and the device have the advantages that the client data after the loan is subjected to the fragmentation processing by adopting the Hash modular extraction method, the fragmentation number is obtained, the uniform distribution of the client data after the loan is ensured, the system pressure is reduced, the resource utilization is reasonable, and the normal operation of other functions is not influenced. By acquiring the credited client data corresponding to the segment number to be inquired on the target day, creating a sliding window according to the inquiry amount completed on the target day, sending the credit investigation request after credit to the credit investigation system according to the credited client data corresponding to the segment number to be inquired on the target day in combination with the sliding window, receiving the inquiry result fed back by the credit investigation system according to the inquiry request, acquiring the response speed of each inquiry request in the inquiry result, and adjusting the size of the sliding window according to the response speed, the dynamic adjustment of the sliding window is realized, the resource waste and congestion problems are avoided, and the resource utilization rate is improved.

The method uniformly segments the data to be captured by a Hash modulus taking method, eliminates the dependence of the segments on service meaning, reduces the pressure of system resources and reasonably distributes the resources; the size of a sliding window is adjusted in real time according to the actual grabbing situation, the grabbing speed is controlled, idle resources are fully utilized, the congestion risk is reduced, and the grabbing efficiency is improved; flexibly adjusting parameters, supporting multiple parameter adjusting modes and adapting to various actual service scenes; finally, the aim of reducing the system cost and maximizing the resource utilization rate is achieved.

As will be appreciated by one skilled in the art, embodiments of the present invention may be provided as a method, system, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.

The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

The above-mentioned embodiments are intended to illustrate the objects, technical solutions and advantages of the present invention in further detail, and it should be understood that the above-mentioned embodiments are only exemplary embodiments of the present invention, and are not intended to limit the scope of the present invention, and any modifications, equivalent substitutions, improvements and the like made within the spirit and principle of the present invention should be included in the scope of the present invention.

Claims

1. A credit inquiry method after credit, which is characterized by comprising the following steps:

and adjusting the size of the sliding window according to the response speed.

2. The method of claim 1, further comprising:

3. The method of claim 1, wherein adjusting the sliding window size according to the response speed comprises:

acquiring response acceleration according to the response speed;

4. The method of claim 3, wherein after adjusting the size of the sliding window based on the response acceleration, the method further comprises:

5. A post-credit inquiry apparatus, comprising:

6. The apparatus of claim 5, further comprising:

7. The apparatus of claim 5, wherein the sliding window adjustment module is further to:

acquiring response acceleration according to the response speed;

8. The apparatus of claim 7, wherein the apparatus further comprises:

9. A computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor implements the method of any one of claims 1 to 4 when executing the computer program.

10. A computer-readable storage medium, characterized in that the computer-readable storage medium stores a computer program for executing the method of any one of claims 1 to 4.