CN106875272A - Overdue collection management system is borrowed by a kind of whole process model rule business bank - Google Patents
Overdue collection management system is borrowed by a kind of whole process model rule business bank Download PDFInfo
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- CN106875272A CN106875272A CN201710089401.2A CN201710089401A CN106875272A CN 106875272 A CN106875272 A CN 106875272A CN 201710089401 A CN201710089401 A CN 201710089401A CN 106875272 A CN106875272 A CN 106875272A
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Abstract
The invention discloses a kind of whole process model rule, overdue collection management system is borrowed by business bank, belong to technical field of software development, by means of the calculating auxiliary of IT system, the refund situation of each loan is identified by credit risk Controlling model, system automatic decision most reasonably provide a loan collection mode, and the standardization of supervisor, collection historical query and collection statistical report form, the realization of intelligent management module are adjusted to overdue transaction effectively treatment by collection execution, collection, have levels, autotelic propulsion collection works, and ensures the safe retrieving of credit funds.The present invention realizes the making of collection procedural model, and client activities Data Collection carries out the overdue behavioural analysis of client, the overdue rule of conduct of client and collection collection Policy Updates by accumulating data.
Description
Technical field
The present invention relates to technical field of software development, specifically a kind of whole process model rule business bank borrows and exceedes
Phase collection management system.
Background technology
Personal consumption loan refers to the RMB loan business for having specified consumer applications that bank provides to individual client, is used
Mainly there are the consumer personal loans such as personal house, automobile, general loans for supporting students on way.In China, personal consumption letter is accelerated development
Loan has been sent to pulling domestic demand, the great great expectations of the rise that stimulates the economy, and is also the increase that China's commercial banks put forth effort exploitation
One of profit growth point.
But because domestic and international economic situation is still intricate, active factor and secret worry are simultaneously deposited.Domestic economy structural adjustment
Have in steady into but the basis of economic recovery is still insecure, and periodicity risk, structural hazard, systematic risk are deep-rooted, respectively
Class risk is presented unprecedented variation, complicates feature, the increase of bank portfolio quality deterioration pressure, overdue loan and bad
Loan rate rises year by year.By year ends 2014, business bank non-performing loan rate 1.29% reaches nearly high point for a period of time.
Under these circumstances, strictly control business risk, will be overdue after loss to be preferably minimized will be a long-range mission, banking gold
Melt mechanism and need a set of effective overdue collection rule model badly.
The content of the invention
Technical assignment of the invention is directed to above weak point, there is provided a kind of whole process model rule business bank borrows
Overdue collection management system, realizes the making of collection procedural model, and client activities Data Collection carries out client by accumulating data
Overdue behavioural analysis, the overdue rule of conduct of client and collection collection Policy Updates.
The technical solution adopted for the present invention to solve the technical problems is：
Overdue collection management system is borrowed by a kind of whole process model rule business bank, by means of the calculating auxiliary of IT system, leads to
Cross credit risk Controlling model to be identified the refund situation of each loan, system automatic decision is most reasonably provided a loan collection
Mode, and the standardization of supervisor, collection historical query and collection statistical report form, intelligent management are adjusted by collection execution, collection
Module realize to it is overdue transaction effectively treatment, have levels, it is autotelic propulsion collection work, ensure credit funds safety return
Receive；
System is processed collection task in overdue collection personnel desktop daily according to the related overdue state of client, and
The collection information interface of specialty is provided during collection, the information that interaction is obtained need to only be carried out hook and choose choosing by overdue collection personnel, i.e.,
The record of collection information is completed, and the important evidence of collection next time will be turned into；
Collection configuration management, for function provides operational factor, parameter under every Submenu Items in overdue collection management function module
The parameter setting that management is related to includes collection object, collection mode, collection result, overdue number of days, refund wish and the refund amount of money,
System user is according to service operation feature flexible configuration in row；Overdue disposal registration function is primarily to loan loading is taken back completely
State, does not perform overdue collection action " automatic ".Therefore whether this menu function is to change loan into state is taken back completely, is
It is no transferred credit supervision department taken back completely or because cause specific terminate carry out collection, it includes setting loan status
Fixed, cancellation and the inquiry of historical record.
The most crucial algorithm logic part of pattern matching algorithm foot regulation engine, it is specific according to different service needed selections
Pattern match reasoning algorithm, in bank's collection system application rule engine module be mainly responsible for the scoring of collection case and
Classification, by taking case scoring as an example, regulation engine assigns specific wind by judging the account current debt number to the account
Danger value, it is clear that this is a Forward Reasoning.It is firm that the Forward Reasoning of data-driven is added into working space from the fact
Start.By pattern match, the working cycles that rule triggers, working space updates, reasoning is exited until meeting specified conditions, extremely
This flow terminates.
Input rule engine simultaneously enters the data of line discipline computing to it and is referred to as the fact.The fact is represent real world a certain
The data structure of state.The core work of regulation engine is to determine which fact meets those rules.It was found that the satisfaction is closed
The process of system is exactly the process of pattern match.
Pattern is exactly the condition element in rule, and each pattern is made up of one or more constraints.Rule
Condition and conclusion two parts can be divided into.Condition part is referred to as LHS, and conclusion part is referred to as RHS.Carried out true with condition
Match somebody with somebody, with determine set of circumstances that a certain fact is met by or under the conditions of certain all Ji Tai for being allowed to the fact that meet process quilt
Referred to as pattern match.
Carrying out pattern match has two thinkings.A kind of method be from it is existing the fact, inquire about the fact satisfaction bar
Part, referred to as forward reasoning.Another method is the fact that the conclusion met from needs begins look for all eligible, referred to as
It is backward inference.Forward reasoning is data-driven, and since the fact, transmission is true, it is last after obtain a conclusion.True quilt
It is delivered in working space, one or more rules are matched with these facts, and arrange what the match is successful by execution scheduler module
The execution of rule.
Backward inference is, by target drives, to need the conclusion for meeting to proceed by reasoning from one.In this conclusion not
When can meet, other conclusions that disclosure satisfy that will be searched for and carry out reasoning referred to as sub-goal, these sub-goals will help through current mesh
Lasting this process of some unknown portions-inference engines of target, is proved to or without evincible specific item until initial conclusion
Mark.
In the system of regulation engine, the structure of rule module is divided into translation interface, information word, queue management device and rule and draws
Hold up four parts：
Engine calling interface is the input interface of regulation engine data, is responsible for being converted into regulation engine to be processed by case information
Organizational form, be also the interface of external module calling rule engine, system other modules call the engine interface needs are carried out
The incoming regulation engine of case of regular computing, the data that engine calling interface will be received are parsed and packing processes, conversion
It is the manageable case wrapper object of regulation engine；
Case wrapper is regulation engine data cell to be dealt with, and the data member in case wrapper class contains rule
Engine enters the full detail of line discipline computing；
Case management device is the storage queue of collection case wrapper, all kinds of collection case wrappers that engine calling interface is produced
Data object is added in case queue by its management service and regular engine kernel rule computing module enters line discipline computing,
All parameters that regular computing is applied are stored in case queue；
Regulation engine kernel is responsible for regular computing, i.e. the matching of rule and data, and regulation engine kernel class wrapper API is realizing
Regular computing, for each information word in case queue management device, regulation engine kernel is embedded by calling API to perform it
Pattern matching algorithm, judge whether it meets certain business rule, the correlation that rule definition is performed if meeting is dynamic
Make.
Further, the job step of system Rules Engine module is divided into following four step：
The interface of system other module calling rule modules, it would be desirable to which the incoming mesh of data for entering line discipline computing holds up calling interface；
Engine calling interface converts the data into the wrapper class of corresponding types；
Wrapper class is added to the treatment that queue management device treats regulation engine；
Regulation engine kernel reads wrapper class object from queue management device and carries out pattern match with rule, performs by matching
Rule.Until total data computing is finished in queue management device.
Further, the data model of collection system convention module refers to for representing rule and case in rule module
Data structure, including case ruleset types, rule set, regularization term, rule condition, result and decision table.
Case, the work of whole collection system is around expansion of settling a case.The unit of collection treatment is case (Case), one
Individual case can nozzle one client of correspondence.One case can correspond to multiple accounts and card, a plurality of transaction of correspondence under an account
Information.One or more tasks can be corresponded under case (needs the task of collection person or the treatment of collection system, case quilt
Distribution is when new collection queue, it is necessary to create new task and close old task), but an activity can only be corresponded to
Task.Multiple action can be associated under task, different collection queues are recorded respectively carries out collection operation.
Rule, in order to realize to the control of rule set version, it is necessary to record the species of rule set, the version of current rule set
Information.
Rule set classification class, ruleset types specify the species of rule set.Each ruleset types represents rule
Engine business in a certain respect to be dealt with, such as case classification, case scoring etc..
Rule set info class, rule set specifies the version and relevant information of the current rule set for coming into force, and is mainly used in rule
The information then disposed is put on record.
, from class is held, rule set is from appearance class with the combination of the content of description rule collection, i.e. decision table for rule set.Its data structure
Fairly simple is only comprising a hashMap storage decision table.
Rule set defines class, and rule set defines rule-like and defines class, and it have mapped the data file of definition rule.
The definition of decision table, the object stored in the definition of decision table is decision table.Each decision table is by regularization term group
Into.One rule, one object of Row types of correspondence.Row types are not made up of condition row with the results list.Advised in condition list
The condition that the fixed matched rule must is fulfilled for, is "AND" relation between terms and conditions, equivalent to the LHS parts of regulation engine.
Regulation meets the operation to be carried out after condition in the results list, will be all in implementing result list if condition coupling success
Operation, i.e. the RHS parts of regulation engine.
Data file, each case object is contained from name on account, loan species to all multi informations such as amount owed.Often
The information viewpoint of the case to be concerned about of the rule set of type is different, and for example case classification rule is only concerned the kind of loan
The information such as class, such as housing loan or car loan.And case code of points is then concerned about the information such as debt number of days.By number in system
Rule set is defined according to file.
Regulation engine is called to be issued including rule deployment, case treatment, rule set maintenance, rule set editor and rule set.
Rule deployment, regulation engine is disposed when whole collection system starts to every rule set.Regulation engine is first
Xian Genjue business banks rule definition file loads each rule set from database, is then deployed in regulation engine.Collection
System have invoked the help class DroolsHelper's of regulation engine in the ContextLoaderSevlet of initialization
DeployAll methods.The regular set content that deployAll methods are responsible for being stored in reading database is loaded and disposes rule set.
Call rulesetTypeManager that the information of strictly all rules collection type is read from database in deployaAll methods, plus
Carry the current rule set for coming into force.After rule set information object is got, DroolsHelper classes are according to the rule set for coming into force at present
The rule set is converted into Drools rule definition character strings by major key.It is parameter call by regular definition character string
The deploy methods of DroolsLocal RuleManager dispose the rule set.DroolsLocal RuleManager are then adjusted
RuleBase, the so far deployment of rule set are generated with loadFromReader methods in the API RuleBeanLoader of Drools
Complete.
Case treatment, the treatment of regulation engine case refer to according to the setting of rule case is carried out classification score and
The regular arithmetic operation such as case distribution.The realization of the work be by the workflow schedule engine of the collection system integration backstage from
The dynamic that completes is participated in without user.Task refers to that case is scored, and the operation such as classification is tentatively judged case.
Regulation engine carries out case scoring and is triggered automatically by scheduling engine before the every workday starts.
Rule set safeguards that the user interface user that regulation management is to provide close friend can be to being currently deployed in regulation engine
Rule checked, change, deployment, examination ＆ approval etc. operation.The design of regular service portion follows strictly MVC three tiers models.Should
Struts frameworks are used, view layers shows relevant information using jsp, and controller layers is turned using WebAction classes administration page
Hair, module layers has RuleSet classes to dress rule set object, is responsible for RuleSet by RuleSetHandler tool-class
Carry out additions and deletions and change to look into, RulesetstatusHelper classes are responsible for the maintenance of rule set state；
In order to ensure concurrent security, all of additions and deletions of rule set are looked into and change operation by RuleSetHandler realizations.
We maintain a storage rule collection edit version for caching hashmap in RuleSetHandler.
Rule set editor, for the rule set for having existed, system provides the user interface of similar Excel forms supply to tie up
Shield personnel edit maintenance regulation collection.Regular attendant can be created to rule set, be deleted, being changed, being checked operation.Can be with
The condition row included to the grade form in each rule set.Regular traveling edlin safeguards, can be with to the decision table after maintenance
Rule script generation test is carried out, after test passes through, issue can be filed an application, when scorecard can also be specified to come into force during application
Between.If the not specified entry-into-force time.Then come into force after examination ＆ approval pass through.
Rule set is issued, and rule set examination ＆ approval issue refers to that rule set approving person is examined the rule set that will be issued
Core ratifies the application of reaching the standard grade of rule set by auditing after passing through.
Rule set approving person can check the detailed content of rule set in approval process, and line discipline pin can be entered to it
This generation is tested.By the way that after examination ＆ approval, by its splendid achnatherum is wired in system new rule set content write into Databasce by system.Hereafter it is
System will carry out Business Processing according to new rule set.
Compared to the prior art a kind of whole process model rule business bank of the invention borrows overdue collection management system,
Have the advantages that：
To strengthen risk control, for the purpose of recovery of protecting rights and interests；Model is processed by sub-category, frequency dividing degree collection, to difference
Overdue situation carry out differentiation, intelligentized collection treatment, farthest control risk, ensure credit funds safety return
Receive；By the overdue collection person works of combing, all kinds of work of required treatment are carried out into task abstract, and task operating are provided drawing
Lead, substantially reduce the time cost of work, while promoting collection effect；By strict overdue collection standard process, control
Task generation, collection execution, task adjustment, supervisor, historical query, treatment are registered, check and write off the links such as loan inquiry, are realized
The closed loop management and control of overdue treatment, meanwhile, task management, multidimensional Report Engine are relied on, realize clearly overdue treatment condition monitoring.
Full row grasp in time it is overdue after collection measure and collection performance, full row collection work is supervised and guided, reach lifting and hold
The purpose of row and the efficiency of management；Checked after system standardization, standardization are borrowed, to the Capability Requirement of inspection personnel after loan
Lower；Simultaneously by the orderly storage of system information, it is to avoid the lost careless omission for causing overdue management of row internal cause customer information, drop
The loss that low operational risk is caused.
By overdue collection rule model platform while managing customer loan transaction, client is carried out by all kinds of means, it is many
The record of behavioural information, records customer action data comprehensively, and is accumulated, and completes the accumulation of initial data, carries out cluster point
Analysis, determines overdue behavior class categories.By many classification to the overdue behavior of client, can be exceeded with comprehensive classification display client
Phase behavioural characteristic, is that the new product of business bank's subsequent development has directive significance with reference to collection record.
Bank safeguards that can as early as possible find borrower's presence jeopardizes the safe problem of Credit Assets by timely collection,
Help to grasp borrower's loan repayment capacity and refund willingness information in time, and take necessary counter-measure, it is on the other hand, same to borrow
May there is loan transaction in money people, the treatment early of overdue problem is conducive to being gained the initiative in assets are saved from damage in more banks,
Risk is avoided to greatest extent or reduces loss.
The management status of the domestic Small-Medium Banks of laminating, the sub-category, collection for carrying out overdue client that has levels, for difference
Overdue type and event feature provide differentiation collection guide.Actual conditions for user can be adjusted flexibly,
Parameter and customization parameter composition are standardized in task parameter configuration, normalizing parameter has general applicability, fixed
Property parameter processed can lift the rate of recovery of overdue fund based on every profession and trade business feature differenceization selection, science.
Specific embodiment
With reference to specific embodiment, the invention will be further described.
Overdue collection management system is borrowed by a kind of whole process model rule business bank, and the calculating by means of IT system is auxiliary
Help, the refund situation of each loan is identified by credit risk Controlling model, system automatic decision is most reasonably borrowed
Money collection mode, and the standardization of supervisor, collection historical query and collection statistical report form, intelligence are adjusted by collection execution, collection
Change management module realize to it is overdue transaction effectively treatment, have levels, it is autotelic propulsion collection work, ensure credit funds peace
It is complete to reclaim；
System is processed collection task in overdue collection personnel desktop daily according to the related overdue state of client, and
The collection information interface of specialty is provided during collection, the information that interaction is obtained need to only be carried out hook and choose choosing by overdue collection personnel, i.e.,
The record of collection information is completed, and the important evidence of collection next time will be turned into；
Collection configuration management, for function provides operational factor, parameter under every Submenu Items in overdue collection management function module
The parameter setting that management is related to includes collection object, collection mode, collection result, overdue number of days, refund wish and the refund amount of money,
System user is according to service operation feature flexible configuration in row；Overdue disposal registration function is primarily to loan loading is taken back completely
State, does not perform overdue collection action " automatic ".Therefore whether this menu function is to change loan into state is taken back completely, is
It is no transferred credit supervision department taken back completely or because cause specific terminate carry out collection, it includes setting loan status
Fixed, cancellation and the inquiry of historical record.
The most crucial algorithm logic part of pattern matching algorithm foot regulation engine, it is specific according to different service needed selections
Pattern match reasoning algorithm, in bank's collection system application rule engine module be mainly responsible for the scoring of collection case and
Classification, by taking case scoring as an example, regulation engine assigns specific wind by judging the account current debt number to the account
Danger value, it is clear that this is a Forward Reasoning.It is firm that the Forward Reasoning of data-driven is added into working space from the fact
Start.By pattern match, the working cycles that rule triggers, working space updates, reasoning is exited until meeting specified conditions, extremely
This flow terminates.
Input rule engine simultaneously enters the data of line discipline computing to it and is referred to as the fact.The fact is represent real world a certain
The data structure of state.The core work of regulation engine is to determine which fact meets those rules.It was found that the satisfaction is closed
The process of system is exactly the process of pattern match.
Pattern is exactly the condition element in rule, and each pattern is made up of one or more constraints.Rule
Condition and conclusion two parts can be divided into.Condition part is referred to as LHS, and conclusion part is referred to as RHS.Carried out true with condition
Match somebody with somebody, with determine set of circumstances that a certain fact is met by or under the conditions of certain all Ji Tai for being allowed to the fact that meet process quilt
Referred to as pattern match.
Carrying out pattern match has two thinkings.A kind of method be from it is existing the fact, inquire about the fact satisfaction bar
Part, referred to as forward reasoning.Another method is the fact that the conclusion met from needs begins look for all eligible, referred to as
It is backward inference.Forward reasoning is data-driven, and since the fact, transmission is true, it is last after obtain a conclusion.True quilt
It is delivered in working space, one or more rules are matched with these facts, and arrange what the match is successful by execution scheduler module
The execution of rule.
Backward inference is, by target drives, to need the conclusion for meeting to proceed by reasoning from one.In this conclusion not
When can meet, other conclusions that disclosure satisfy that will be searched for and carry out reasoning referred to as sub-goal, these sub-goals will help through current mesh
Lasting this process of some unknown portions-inference engines of target, is proved to or without evincible specific item until initial conclusion
Mark.
In the system of regulation engine, the structure of rule module is divided into translation interface, information word, queue management device and rule and draws
Hold up four parts：
Engine calling interface is the input interface of regulation engine data, is responsible for being converted into regulation engine to be processed by case information
Organizational form, be also the interface of external module calling rule engine, system other modules call the engine interface needs are carried out
The incoming regulation engine of case of regular computing, the data that engine calling interface will be received are parsed and packing processes, conversion
It is the manageable case wrapper object of regulation engine；
Case wrapper is regulation engine data cell to be dealt with, and the data member in case wrapper class contains rule
Engine enters the full detail of line discipline computing；
Case management device is the storage queue of collection case wrapper, all kinds of collection case wrappers that engine calling interface is produced
Data object is added in case queue by its management service and regular engine kernel rule computing module enters line discipline computing,
All parameters that regular computing is applied are stored in case queue；
Regulation engine kernel is responsible for regular computing, i.e. the matching of rule and data, and regulation engine kernel class wrapper API is realizing
Regular computing, for each information word in case queue management device, regulation engine kernel is embedded by calling API to perform it
Pattern matching algorithm, judge whether it meets certain business rule, the correlation that rule definition is performed if meeting is dynamic
Make.
The job step of system Rules Engine module is divided into following four step：
The interface of system other module calling rule modules, it would be desirable to which the incoming mesh of data for entering line discipline computing holds up calling interface；
Engine calling interface converts the data into the wrapper class of corresponding types；
Wrapper class is added to the treatment that queue management device treats regulation engine；
Regulation engine kernel reads wrapper class object from queue management device and carries out pattern match with rule, performs by matching
Rule.Until total data computing is finished in queue management device.
The data model of collection system convention module refer to for representing the data structure of rule and case in rule module,
Including case ruleset types, rule set, regularization term, rule condition, result and decision table.
Case, the work of whole collection system is around expansion of settling a case.The unit of collection treatment is case (Case), one
Individual case can nozzle one client of correspondence.One case can correspond to multiple accounts and card, a plurality of transaction of correspondence under an account
Information.One or more tasks can be corresponded under case (needs the task of collection person or the treatment of collection system, case quilt
Distribution is when new collection queue, it is necessary to create new task and close old task), but an activity can only be corresponded to
Task.Multiple action can be associated under task, different collection queues are recorded respectively carries out collection operation.
Rule, in order to realize to the control of rule set version, it is necessary to record the species of rule set, the version of current rule set
Information.
Rule set classification class, ruleset types specify the species of rule set.Each ruleset types represents rule
Engine business in a certain respect to be dealt with, such as case classification, case scoring etc..
Rule set info class, rule set specifies the version and relevant information of the current rule set for coming into force, and is mainly used in rule
The information then disposed is put on record.
, from class is held, rule set is from appearance class with the combination of the content of description rule collection, i.e. decision table for rule set.Its data structure
Fairly simple is only comprising a hashMap storage decision table.
Rule set defines class, and rule set defines rule-like and defines class, and it have mapped the data file of definition rule.
The definition of decision table, the object stored in the definition of decision table is decision table.Each decision table is by regularization term group
Into.One rule, one object of Row types of correspondence.Row types are not made up of condition row with the results list.Advised in condition list
The condition that the fixed matched rule must is fulfilled for, is "AND" relation between terms and conditions, equivalent to the LHS parts of regulation engine.
Regulation meets the operation to be carried out after condition in the results list, will be all in implementing result list if condition coupling success
Operation, i.e. the RHS parts of regulation engine.
Data file, each case object is contained from name on account, loan species to all multi informations such as amount owed.Often
The information viewpoint of the case to be concerned about of the rule set of type is different, and for example case classification rule is only concerned the kind of loan
The information such as class, such as housing loan or car loan.And case code of points is then concerned about the information such as debt number of days.By number in system
Rule set is defined according to file.
Regulation engine is called to be issued including rule deployment, case treatment, rule set maintenance, rule set editor and rule set.
Rule deployment, regulation engine is disposed when whole collection system starts to every rule set.Regulation engine is first
Xian Genjue business banks rule definition file loads each rule set from database, is then deployed in regulation engine.Collection
System have invoked the help class DroolsHelper's of regulation engine in the ContextLoaderSevlet of initialization
DeployAll methods.The regular set content that deployAll methods are responsible for being stored in reading database is loaded and disposes rule set.
Call rulesetTypeManager that the information of strictly all rules collection type is read from database in deployaAll methods, plus
Carry the current rule set for coming into force.After rule set information object is got, DroolsHelper classes are according to the rule set for coming into force at present
The rule set is converted into Drools rule definition character strings by major key.It is parameter call by regular definition character string
The deploy methods of DroolsLocal RuleManager dispose the rule set.DroolsLocal RuleManager are then adjusted
RuleBase, the so far deployment of rule set are generated with loadFromReader methods in the API RuleBeanLoader of Drools
Complete.
Case treatment, the treatment of regulation engine case refer to according to the setting of rule case is carried out classification score and
The regular arithmetic operation such as case distribution.The realization of the work be by the workflow schedule engine of the collection system integration backstage from
The dynamic that completes is participated in without user.Task refers to that case is scored, and the operation such as classification is tentatively judged case.
Regulation engine carries out case scoring and is triggered automatically by scheduling engine before the every workday starts.
Rule set safeguards that the user interface user that regulation management is to provide close friend can be to being currently deployed in regulation engine
Rule checked, change, deployment, examination ＆ approval etc. operation.The design of regular service portion follows strictly MVC three tiers models.Should
Struts frameworks are used, view layers shows relevant information using jsp, and controller layers is turned using WebAction classes administration page
Hair, module layers has RuleSet classes to dress rule set object, is responsible for RuleSet by RuleSetHandler tool-class
Carry out additions and deletions and change to look into, RulesetstatusHelper classes are responsible for the maintenance of rule set state；
In order to ensure concurrent security, all of additions and deletions of rule set are looked into and change operation by RuleSetHandler realizations.
We maintain a storage rule collection edit version for caching hashmap in RuleSetHandler.
Rule set editor, for the rule set for having existed, system provides the user interface of similar Excel forms supply to tie up
Shield personnel edit maintenance regulation collection.Regular attendant can be created to rule set, be deleted, being changed, being checked operation.Can be with
The condition row included to the grade form in each rule set.Regular traveling edlin safeguards, can be with to the decision table after maintenance
Rule script generation test is carried out, after test passes through, issue can be filed an application, when scorecard can also be specified to come into force during application
Between.If the not specified entry-into-force time.Then come into force after examination ＆ approval pass through.
Rule set is issued, and rule set examination ＆ approval issue refers to that rule set approving person is examined the rule set that will be issued
Core ratifies the application of reaching the standard grade of rule set by auditing after passing through.
Rule set approving person can check the detailed content of rule set in approval process, and line discipline pin can be entered to it
This generation is tested.By the way that after examination ＆ approval, by its splendid achnatherum is wired in system new rule set content write into Databasce by system.Hereafter it is
System will carry out Business Processing according to new rule set.
By specific embodiment above, the those skilled in the art can readily realize the present invention.But should
Work as understanding, the present invention is not limited to above-mentioned specific embodiment.On the basis of disclosed embodiment, the technical field
Technical staff can be combined different technical characteristics, so as to realize different technical schemes.
In addition to the technical characteristic described in specification, the known technology of those skilled in the art is.
Claims (4)
1. overdue collection management system is borrowed by a kind of whole process model rule business bank, it is characterised in that by means of IT system
Auxiliary is calculated, the refund situation of each loan is identified by credit risk Controlling model, system automatic decision is most closed
The loan collection mode of reason, and supervisor, collection historical query and collection statistical report form specification are adjusted by collection execution, collection
Change, intelligent management module realize to it is overdue transaction effectively treatment, have levels, it is autotelic propulsion collection work, ensure credit
The safe retrieving of fund；
System is processed collection task in overdue collection personnel desktop daily according to the related overdue state of client, and
The collection information interface of specialty is provided during collection, the information that interaction is obtained need to only be carried out hook and choose choosing by overdue collection personnel, i.e.,
The record of collection information is completed, and the important evidence of collection next time will be turned into；
Collection configuration management, for function provides operational factor, parameter under every Submenu Items in overdue collection management function module
The parameter setting that management is related to includes collection object, collection mode, collection result, overdue number of days, refund wish and the refund amount of money,
System user is according to service operation feature flexible configuration in row；
The most crucial algorithm logic part of pattern matching algorithm foot regulation engine, specific mould is selected according to different service neededs
Formula match reasoning algorithm, in bank's collection system application rule engine module be mainly responsible for the scoring of collection case and point
Class；
In the system of regulation engine, the structure of rule module is divided into translation interface, information word, queue management device and regulation engine four
Individual part：
Engine calling interface is the input interface of regulation engine data, is responsible for being converted into regulation engine to be processed by case information
Organizational form, be also the interface of external module calling rule engine, system other modules call the engine interface needs are carried out
The incoming regulation engine of case of regular computing, the data that engine calling interface will be received are parsed and packing processes, conversion
It is the manageable case wrapper object of regulation engine；
Case wrapper is regulation engine data cell to be dealt with, and the data member in case wrapper class contains rule
Engine enters the full detail of line discipline computing；
Case management device is the storage queue of collection case wrapper, all kinds of collection case wrappers that engine calling interface is produced
Data object is added in case queue by its management service and regular engine kernel rule computing module enters line discipline computing,
All parameters that regular computing is applied are stored in case queue；
Regulation engine kernel is responsible for regular computing, i.e. the matching of rule and data, and regulation engine kernel class wrapper API is realizing
Regular computing, for each information word in case queue management device, regulation engine kernel is embedded by calling API to perform it
Pattern matching algorithm, judge whether it meets certain business rule, the correlation that rule definition is performed if meeting is dynamic
Make.
2. overdue collection management system is borrowed by a kind of whole process model rule business bank according to claim 1, and it is special
Levy is that the job step of system Rules Engine module is divided into following four step：
The interface of system other module calling rule modules, it would be desirable to which the incoming mesh of data for entering line discipline computing holds up calling interface；
Engine calling interface converts the data into the wrapper class of corresponding types；
Wrapper class is added to the treatment that queue management device treats regulation engine；
Regulation engine kernel reads wrapper class object from queue management device and carries out pattern match with rule, performs by matching
Rule, until total data computing is finished in queue management device.
3. overdue collection management system, its feature are borrowed by a kind of whole process model rule business bank for being stated according to claim 1
The data model for being collection system convention module refer in rule module for representing the data structure of rule and case, including
Case ruleset types, rule set, regularization term, rule condition, result and decision table.
4. overdue collection management system is borrowed by a kind of whole process model rule business bank according to claim 1, and it is special
Levy is that regulation engine is called including rule deployment, case treatment, rule set maintenance, rule set editor and rule set issue.
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