CN110705239B

CN110705239B - Credit contract template creation method and device

Info

Publication number: CN110705239B
Application number: CN201910927767.1A
Authority: CN
Inventors: 林晨; 敖雯瑜; 覃伟
Original assignee: Alipay Hangzhou Information Technology Co Ltd
Current assignee: Alipay Hangzhou Information Technology Co Ltd
Priority date: 2019-09-27
Filing date: 2019-09-27
Publication date: 2023-08-11
Anticipated expiration: 2039-09-27
Also published as: CN110705239A

Abstract

The method and the device for creating the credit contract template provided by the embodiment of the specification comprise the steps of receiving a creation instruction for creating the credit contract template by a user, and determining an editable initial credit contract template based on the creation instruction; and determining a control set corresponding to each editable module based on the received editing instruction for each editable module in the editable initial credit contract template, then determining the contract types, the contract relations and the performance matters of the sponsor and the offeree in the credit contract template to be created based on the control in the control set selected by the creation user, and finally creating the credit contract template based on the contract types, the contract relations and the performance matters.

Description

Credit contract template creation method and device

Technical Field

The embodiment of the specification relates to the technical field of computers, in particular to a credit contract template creation method. One or more embodiments of the present specification relate to a credit contract template creation apparatus, a computing device, and a computer-readable storage medium.

Background

In the existing software application process, the requirements of different users on the style and specific content of the template are different, and the fixed template obviously cannot meet the personalized requirements of the users. For example, in a contract, there are 20 contracted items in the A contract, 30 contracted items in the B contract, and the contents and manifestations of these items are not identical, resulting in many similar foreseeable personalized modification requirements.

In addition, if the contract a is a lease contract, the issuer is a tenant, the about party is a landlord, the contract B is a challenge contract, the about party is a challenger, and the about party is a challenged person, at this time, the contract relationship between the issuer and the about party cannot be intuitively represented in the contract by adopting the same fixed template, so that a more reliable scheme needs to be provided to meet the personalized requirements of the user, and the user is promoted to use the contract template which can be adjusted according to the self requirement to issue.

Disclosure of Invention

In view of this, the present embodiment provides a credit contract template creation method. One or more embodiments of the present specification are also directed to a credit contract template creation apparatus, a computing device, and a computer-readable storage medium that address the technical deficiencies of the prior art.

According to a first aspect of embodiments of the present specification, there is provided a credit contract template creation method, including:

receiving a creation instruction for creating a credit contract template by a user, and determining an editable initial credit contract template based on the creation instruction, wherein the editable initial credit contract template comprises a first editable module, a second editable module and a third editable module;

Under the condition that an editing instruction of the creating user aiming at the first editable module is received, determining a contract type control set corresponding to the first editable module, and determining contract types of an issuer and an offeror in a credit contract template to be created based on contract type controls in the contract type control set selected by the creating user;

under the condition that an editing instruction of the creating user aiming at the second editable module is received, determining a contract relation control set corresponding to the second editable module based on the contract type control, and determining a contract relation between an issuer and an issuer in a credit contract template to be created based on a contract relation control in the contract relation control set selected by the creating user;

under the condition that an editing instruction of the creating user aiming at the third editable module is received, determining a performance item control set corresponding to the third editable module based on the contract relation control, and determining performance items of a sponsor and a subordinate in a credit contract template to be created based on performance item control in the performance item control set selected by the creating user;

And creating a credit contract template based on the contract type determined by the contract type control, the contract relation determined by the contract relation control and the performance item determined by the performance item control.

Optionally, a fourth editable module is also included in the editable initial credit template,

the method further comprises the steps of:

and under the condition that an editing instruction of the creating user aiming at the fourth editable module is received, determining a contract background control set corresponding to the fourth editable module, and determining the contract background of the credit contract template to be created based on the contract background control in the contract background control set selected by the creating user.

Optionally, a fifth editable module is also included in the editable initial credit contract template,

after determining the contract relation of the issuer and the offeree in the credit contract template to be created based on the contract relation control in the contract relation control set selected by the creation user, the method further comprises:

and under the condition that an editing instruction of the creating user aiming at the fifth editable module is received, determining a responsibility control set corresponding to the fifth editable module based on the contract relation control, and determining the responsibilities of an issuer and an offeror in the credit contract template to be created by the creating user through the responsibility control selected by the creating user.

Optionally, a sixth editable module is also included in the editable initial credit template,

after determining the performance items of the sponsor and the affiliated party in the credit contract template to be created based on the performance item control in the performance item control set selected by the creation user, the method further comprises:

and under the condition that an editing instruction of the creating user aiming at the sixth editable module is received, determining a credit value control set corresponding to the sixth editable module, and determining the performance credit value of an issuer and an offeror in a credit contract template to be created based on the credit value control in the credit value control set selected by the creating user.

Optionally, the creating the credit contract template based on the contract type determined by the contract type control, the contract relation determined by the contract relation control, and the performance item determined by the performance item control includes:

the credit template is created based on the contract background of the credit template to be created, the contract type of the issuer and the partner in the credit template to be created, which is determined by the contract background control, the contract relationship of the issuer and the partner in the credit template to be created, which is determined by the contract relationship control, the performance items of the issuer and the partner in the credit template to be created, which is determined by the performance item control, the responsibilities of the issuer and the partner in the credit template to be created, which is determined by the responsibilities control, and the performance credit value of the issuer and the partner in the credit template to be created, which is determined by the credit value control.

Optionally, after the creating the credit contract template, the method further includes:

auditing the created credit contract template;

and recommending the credit contract template and acquiring a recommendation result of the credit contract template under the condition that the credit contract template passes the examination.

Optionally, the obtaining the recommendation result of the credit contract template includes:

and determining recommended users matched with the credit values of the credit contract templates, and acquiring the attention degree of the recommended users to the credit contract templates.

Optionally, after the obtaining the attention degree of the recommended user of the credit contract template to the credit contract template, the method further includes:

and under the condition that the attention degree of the recommended user to the credit contract template is greater than or equal to a preset threshold value, adding a credit value corresponding to the attention degree for the creating user of the credit contract template.

Optionally, after the credit value corresponding to the attention degree is increased for the credit contract template creating user, the method further includes:

and receiving a modification instruction of the recommended user for the credit contract template, and modifying the credit contract template based on the modification instruction to generate a target credit contract template.

Optionally, the modifying the credit contract template based on the modification instruction to generate a target credit contract template includes:

in the case that the modification instruction comprises modification of a first editable module in the credit contract template, determining a contract type control set corresponding to the first editable module based on the modification instruction of the recommended user for the first editable module, and determining contract types of an issuer and an offeree in the credit contract template to be created based on contract type controls in the contract type control set selected by the recommended user;

under the condition that the contract type control is changed, determining a contract relation control set corresponding to the second editable module based on the modified contract type control, and determining a contract relation of an issuer and an issuer in a credit contract template to be created based on a contract relation control in the contract relation control set selected by the recommended user;

under the condition that the contract relation control is changed, determining a performance item control set corresponding to the third editable module based on the modified contract relation control, and determining performance items of a sender and a receiver in a credit contract template to be created based on performance item controls in the performance item control set selected by the recommended user;

And generating a target credit contract template based on the contract type determined by the contract type control after modification, the contract relation determined by the contract relation control and the performance item determined by the performance item control.

in the case that the modification instruction comprises modification of a second editable module in the credit contract template, determining a contract relation control set corresponding to the second editable module based on the modification instruction of the recommended user for the second editable module, and determining a contract relation of an issuer and an offeree in the credit contract template to be created based on the contract relation control in the contract relation control set selected by the recommended user;

And generating a target credit contract template based on the contract type determined by the contract type control, the modified contract relation determined by the contract relation control and the performance item determined by the performance item control.

in the case that the modification instruction comprises modification of a third editable module in the credit contract template, determining a performance item control set corresponding to the third editable module based on the modification instruction of the recommended user for the third editable module, and determining performance items of an issuer and an offeree in the credit contract template to be created based on the performance item control in the performance item control set selected by the recommended user;

and generating a target credit contract template based on the contract type determined by the contract type control, the contract relation determined by the contract relation control and the modified performance item determined by the performance item control.

According to a second aspect of embodiments of the present specification, there is provided an credit contract template creation apparatus including:

A receiving module configured to receive a creation instruction for creating a credit contract template by a user, and determine an editable initial credit contract template based on the creation instruction, wherein the editable initial credit contract template comprises a first editable module, a second editable module and a third editable module;

the contract type determining module is configured to determine a contract type control set corresponding to the first editable module under the condition that an editing instruction of the creating user aiming at the first editable module is received, and determine contract types of an issuer and an offeror in a credit contract template to be created based on contract type controls in the contract type control set selected by the creating user;

a contract relation determining module configured to determine a contract relation control set corresponding to the second editable module based on the contract type control and determine a contract relation between an issuer and an issuer in a credit contract template to be created based on a contract relation control in the contract relation control set selected by the creating user when receiving an editing instruction of the creating user for the second editable module;

A performance item determining module configured to determine, on receiving an edit instruction of the creating user for the third editable module, a performance item control set corresponding to the third editable module based on the contract relation control, and determine performance items of a sender and a counter in a credit contract template to be created based on performance item controls in the performance item control set selected by the creating user;

and the template creation module is configured to create a credit contract template based on the contract type determined by the contract type control, the contract relation determined by the contract relation control and the performance item determined by the performance item control.

the method further comprises the steps of:

and the contract background determining module is configured to determine a contract background control set corresponding to the fourth editable module and determine the contract background of the credit contract template to be created based on the contract background control in the contract background control set selected by the creating user when receiving the editing instruction of the creating user for the fourth editable module.

the device further comprises:

and the responsibility determining module is configured to determine a responsibility control set corresponding to the fifth editable module based on the contractual relation control when receiving an editing instruction of the creating user for the fifth editable module, and the responsibility control selected by the creating user determines the responsibility of an issuer and an offeror in the credit contract template to be created.

the device further comprises:

and the performance credit value determining module is configured to determine a credit value control set corresponding to the sixth editable module when receiving an editing instruction of the creating user for the sixth editable module, and determine performance credit values of an issuer and an offeror in a credit contract template to be created based on the credit value control in the credit value control set selected by the creating user.

Optionally, the template creation module is further configured to:

Optionally, the apparatus further includes:

an auditing module configured to audit the created credit contract template;

and the recommending module is configured to recommend the credit contract template and acquire the recommending result of the credit contract template under the condition that the audit of the credit contract template is passed.

Optionally, the recommendation module is further configured to:

Optionally, the apparatus further includes:

and the credit value increasing module is configured to increase a credit value corresponding to the attention degree for a creating user of the credit contract template when the attention degree of the recommended user to the credit contract template is greater than or equal to a preset threshold value.

Optionally, the apparatus further includes:

and the modification module is configured to receive a modification instruction of the recommended user for the credit contract template, and modify the credit contract template based on the modification instruction to generate a target credit contract template.

Optionally, the modification module is further configured to:

According to a third aspect of embodiments of the present specification, there is provided a computing device comprising:

a memory and a processor;

the memory is for storing computer-executable instructions, and the processor is for executing the computer-executable instructions:

According to a fourth aspect of embodiments of the present specification, there is provided a computer-readable storage medium storing computer-executable instructions which, when executed by a processor, implement the steps of any one of the credit contract template creation methods.

One or more embodiments of the present specification provide a method of creating a credit contract template, the method including receiving a creation instruction to create a credit contract template by a user, and determining an editable initial credit contract template based on the creation instruction, wherein the editable initial credit contract template includes a first editable module, a second editable module, and a third editable module; under the condition that an editing instruction of the creating user aiming at the first editable module is received, determining a contract type control set corresponding to the first editable module, and determining contract types of an issuer and an offeror in a credit contract template to be created based on contract type controls in the contract type control set selected by the creating user; under the condition that an editing instruction of the creating user aiming at the second editable module is received, determining a contract relation control set corresponding to the second editable module based on the contract type control, and determining a contract relation between an issuer and an issuer in a credit contract template to be created based on a contract relation control in the contract relation control set selected by the creating user; under the condition that an editing instruction of the creating user aiming at the third editable module is received, determining a performance item control set corresponding to the third editable module based on the contract relation control, and determining performance items of a sponsor and a subordinate in a credit contract template to be created based on performance item control in the performance item control set selected by the creating user; creating a credit contract template based on the contract type determined by the contract type control, the contract relationship determined by the contract relationship control and the performance item determined by the performance item control;

The method comprises the steps that after a creation instruction indicated by a received creation credit template is based on the creation instruction, an editable initial credit template is determined, under the condition that a creation user firstly receives a certain editable module in the editable initial credit templates, a control set corresponding to the editable module is displayed, then when the next editable module of the editable module is edited by the creation user based on a control in the control set selected by the user, and the control determines the control set corresponding to the next editable module, and so on, until all the editable modules of the editable initial credit template complete editing, a credit template to be created is formed, the method provides capability of a custom creation template for each creation user, and each creation user can create an individualized original credit template by combining the control set corresponding to each editable module of the editable initial credit template according to actual requirements, so that the rich diversity of the creation contract template of the creation user is displayed, and the enthusiasm of the credit template creation contract of the user is greatly improved.

Drawings

FIG. 1 is a flow chart of a method for creating a credit contract template provided by one embodiment of the specification;

FIG. 2 is a schematic diagram of an editable control corresponding to each of the editable modules in the editable initial credit template provided by one embodiment of the disclosure;

FIG. 3 is a schematic diagram of an editable initial credit template provided by one embodiment of the disclosure;

FIG. 4 is a schematic diagram of a credit contract template creation apparatus provided in one embodiment of the present disclosure;

FIG. 5 is a block diagram of a computing device provided in one embodiment of the present description.

Detailed Description

In the following description, numerous specific details are set forth in order to provide a thorough understanding of the present description. This description may be embodied in many other forms than described herein and similarly generalized by those skilled in the art to whom this disclosure pertains without departing from the spirit of the disclosure and, therefore, this disclosure is not limited by the specific implementations disclosed below.

The terminology used in the one or more embodiments of the specification is for the purpose of describing particular embodiments only and is not intended to be limiting of the one or more embodiments of the specification. As used in this specification, one or more embodiments and the appended claims, the singular forms "a," "an," and "the" are intended to include the plural forms as well, unless the context clearly indicates otherwise. It should also be understood that the term "and/or" as used in one or more embodiments of the present specification refers to and encompasses any or all possible combinations of one or more of the associated listed items.

It should be understood that, although the terms first, second, etc. may be used in one or more embodiments of this specification to describe various information, these information should not be limited by these terms. These terms are only used to distinguish one type of information from another. For example, a first may also be referred to as a second, and similarly, a second may also be referred to as a first, without departing from the scope of one or more embodiments of the present description. The word "if" as used herein may be interpreted as "at … …" or "at … …" or "responsive to a determination", depending on the context.

First, terms related to one or more embodiments of the present specification will be explained.

Credit contract: the method is that two or more parties achieve consensus of 'rights', 'responsibilities', 'benefits' on the basis of credit on the basis of the use of a certain service, and each party achieving consensus can keep a piece of agreed consensus data; for example, the library and the users achieve the consensus of book borrowing and returning based on credit, and a plurality of users participate in the consensus of public benefit project under the constraint of credit, or the users achieve the consensus of money borrowing and returning or article borrowing and returning on the premise of taking credit as mortgage;

The right defines the right enjoyed by a certain party, and can also be understood as the action that the other party needs to perform, such as returning a borrowed book, participating in a public benefit project offered for participation, returning a borrowed money or a borrowed article, and the like in a contracted mode;

"responsibilities" define the offending responsibilities that the offender needs to assume, such as recording the offending event in the offender's credit, reducing the offender's credit score, or making fines to the offender, etc.;

"benefit" defines the benefit or rewards that the closing party can obtain, such as that the user who successfully returns the borrowed book will boost his own credit score through this credit borrowing action, the user who successfully participates in the public welfare project according to the agreement can obtain the credit-based rewards, the user who successfully returns the borrowed money or the borrowed item can obtain the amount of the payoff by the offender, etc.

Credit item: based on the credit participation items, such as library credit book borrowing items, if the credit value of the book borrowing user meets the credit value requirement of the library book borrowing, the book borrowing user can participate in the credit item.

The issuing party: an inviter participating in a credit project. For example, the credit item is a library credit borrowing item, and the issuer may be a library.

The following should be adopted: an invitee participating in a credit item, such as a library credit borrowing item, is received, and the acquirer may be a borrowing user.

In the embodiments of the present specification, which relate to a credit contract template creation apparatus, a computing device, and a computer-readable storage medium, a credit contract template creation method is provided, and the following embodiments are described in detail one by one.

With the continuous development of internet technology, the internet technology is applied to life, so that convenience and richness of life can be greatly improved. Based on the development of internet technology, the internet of things technology is widely applied to daily life, and electronic contracts are generated, in the prior art, the electronic contracts are restricted only by the occupational morals and personal literacy of the parties of the contracts, and the conditions of easy damage are caused by too many variable factors of the parties of the contracts. In this context, electronic contracts that restrict parties to a contract based on credit have been developed using a credit platform on which the credit template creation method provided by one or more embodiments of the present specification is applied.

Referring to fig. 1, fig. 1 shows a flowchart of a method for creating a credit contract template according to one embodiment of the present specification, including steps 102 to 110.

Step 102: and receiving a creation instruction for creating a credit contract template by a creation user, and determining an editable initial credit contract template based on the creation instruction, wherein the editable initial credit contract template comprises a first editable module, a second editable module and a third editable module.

Wherein a creating user may be understood as a user who creates a credit contract template, which may be one, two or more.

The credit contract template can be understood as a template which is established based on a credit platform and has an association relation with credit values of both sides of the contract on the credit platform; for example, if the contract parties fulfill a contract based on the credit contract template, the credit platform may increase or decrease the credit value of the contract parties based on the contract parties' performance of the contract, respectively.

The creation instruction comprises, but is not limited to, a touch creation instruction, a voice creation instruction or a text creation instruction of a creation user on a credit platform; for example, the creation instruction may include a click instruction generated by the credit platform receiving the button of the credit platform clicking the "create credit contract template" by the creation user, a voice instruction generated by the credit platform receiving the voice of the "create credit contract template" issued by the creation user for the credit platform, and a text instruction generated by the credit platform receiving the text of the "create credit contract template" input by the creation user in the credit platform input box.

The editable initial credit contract template comprises, but is not limited to, an editable initial credit contract template which is set in advance and can adjust any module contained in the credit contract template; in addition, in one or more embodiments of the present disclosure, the editable initial credit contract template includes, but is not limited to, a first editable module, a second editable module and a third editable module, and the number and arrangement of the editable modules in the editable initial credit contract template may be adjusted according to actual requirements, which is not limited in any way.

Step 104: and under the condition that an editing instruction of the creating user aiming at the first editable module is received, determining a contract type control set corresponding to the first editable module, and determining contract types of an issuer and an offeror in a credit contract template to be created based on contract type controls in the contract type control set selected by the creating user.

Wherein the editing instructions include, but are not limited to, creating a touch editing instruction for a user to edit a first editable module in an initial credit contract template; for example, the editing instructions may include click instructions generated by creating a first editable module of the user click editable initial credit template.

The contract type control set comprises two or more contract type controls, wherein the contract type controls can be understood to be controls representing contract types of an issuer and an opposite party in a credit contract template to be created, and the contract type controls comprise, but are not limited to, self-contract type controls, double contract type controls and multi-person contract type controls. If the contract type control is a self-contract type control, it can be understood that the issuer and the counter in the credit contract template to be created are one person, and the purpose of selecting the self-contract type control is to implement the contract of one person, for example, the self-contract sleeps for several points every day, gets up for several points, and the like; if the contract type control is a double contract type control, it can be understood that the contract issuer and the contract issuer in the credit contract template to be created are two persons, wherein the contract issuer is one person, and the purpose of selecting the double contract type control is to implement the contract of two persons, such as the two persons' lease contract, borrow contract or some double contract; if the contract type control is a multi-person contract type control, the contract type control can be understood as that the issuer and the contract issuer in the credit contract template to be created are three persons or more, wherein the issuer is two persons or more, the purpose of selecting the multi-person appointment type control is to realize multi-person appointments, such as multi-person borrowing appointments and multi-person and opposite-decision appointments.

In practical application, the contract type control can also be called as a contract playing control, the contract type between the issuer and the about party in the credit contract template to be created can be embodied through the contract playing control, and the specific expression mode of the contract type control in practical application can be seen in the contract playing part of fig. 2.

Specifically, after receiving an editing instruction of a creating user for a first editable module, the credit platform firstly selects a contract type control set corresponding to the first editable module, and then confirms that the contract types of an issuer and an offeror in a credit contract template to be created are self-contract, double-contract or multi-contract types according to the contract type control in the contract type control set selected by the creating user.

In the embodiment of the specification, the creating user can realize the contract of the bilateral relation between the issuer and the acquirer in the credit contract template to be created by selecting any contract type control in the contract type control set so as to show the personality of the user and ensure the diversity of the types of the created credit contract template.

In another or more embodiments of the present disclosure, the editable initial credit template further includes a fourth editable module,

The method further comprises the steps of:

Wherein the editing instructions include, but are not limited to, creating a touch editing instruction for a user to edit a fourth editable module in the initial credit contract template; for example, the editing instructions may include click instructions generated by creating a fourth editable module of the user click editable initial credit template.

The contract context control set includes two or more contract context controls, where the contract context controls may be understood as controls representing contract contexts of a credit contract template to be created, such as picture context controls, video context controls, and the like. If the contract background control is a picture background control, the contract background control can be understood as a credit contract template to be created by taking a certain picture as a contract background; if the contract background control is a video background control, the credit contract template to be created can be understood to take a certain section of video as the contract background.

In practical application, the contract background control set includes but is not limited to two or more types of background controls, the specific representation mode of the contract background controls can be referred to the contract background portion of fig. 2, the contract background control set of the contract background portion of fig. 2 includes four contract background controls, which are respectively two types of contract background types of pictures and videos, and the creating user can select and use according to the practical requirements, and the method is not limited in any way.

In the embodiment of the specification, the creating user can select any contract background control in the contract background control set according to the actual demand, and the contract background of the credit contract template to be created is set, so that the creating user can self-define the credit contract template, the richness of the content of the created credit contract template is ensured, and the creating experience of the creating user is enhanced.

Step 106: and under the condition that an editing instruction of the creating user aiming at the second editable module is received, determining a contract relation control set corresponding to the second editable module based on the contract type control, and determining the contract relation of an issuer and an offeror in a credit contract template to be created based on the contract relation control in the contract relation control set selected by the creating user.

Wherein the editing instructions include, but are not limited to, creating a touch editing instruction by a user to a second editable module in the editable initial credit contract template; for example, the editing instructions may include click instructions generated by creating a user click on a second editable module in the editable initial credit template.

The contract relationship control set includes two or more contract relationship controls, where the contract relationship controls may be understood as controls representing contractual relationships of an issuer and an treaty in a credit contract template to be created, including but not limited to leasing relationships, employment relationship controls, and the like. If the contract relation control is a lease relation control, it can be understood that the issuer and the offerer in the credit contract template to be created realize lease relation according to the credit contract template, for example, the issuer is a tenant, the offerer is a homeowner, and the issuer and the offerer lease relation of the lease room through the created credit contract template; if the contract relation control is an employment relation control, it may be understood that the issuer and the counterparty in the credit contract template to be created implement the employment relation according to the credit contract template, for example, the issuer is an owner, the counterparty is a cleaning agent, and the issuer and the counterparty employ the cleaning agent through the created credit contract template to implement the employment relation.

In practical application, the contract relation control may also include a relationship control, a decision relation control, and the like, and the credit platform may increase the contract relation control according to the actual development requirement, which is not limited in any way.

The specific contract relation control set can be referred to as a relation playing method in practical application, the relation playing method in fig. 2 corresponds to the contract relation control set, and the Battle, the peach park, and the happy relation in the contract relation control set are three contract relation controls, wherein the Battle contract relation control represents the relatives of two or more issuers and the relatives in the credit contract template to be created, the peach park contract relation control represents the relatives of two or more issuers and the relatives in the credit contract template to be created, and the happy relation control represents the lovers of the issuers and the relatives in the credit contract template to be created.

Specifically, the contract relation control set is determined and displayed on the basis of selection of contract type controls in the contract type control set by the creating user, which contract type control is selected by the creating user aiming at the first editable module, and when the creating user operates aiming at the second editable module, the credit platform displays the contract relation control set corresponding to the contract type control selected by the creating user, and the creating user can quickly select the contract relation control of the heart instrument to create the credit contract template.

In the above example, if the creating user selects the multi-person contract type control for the first editable module, the credit platform displays the contract relationship control set including two contract relationship controls corresponding to the double contract type control and including Battle and peach park, under the condition that the creating user receives the editing instruction for the second editable module, and the contract relationship control is generally for two persons, so that only when the creating user selects the double contract type control for the first editable module, the contract relationship control set is correspondingly displayed, and all contract relationship controls are prevented from being displayed in the contract relationship control set each time when the contract relationship control is selected, so that the interface is complex and not simple.

In another or more embodiments of the present disclosure, a fifth editable module is further included in the editable initial credit template,

And under the condition that an editing instruction of the creating user aiming at the fifth editable module is received, determining a responsibility control set corresponding to the fifth editable module based on the contract relation control, and determining the responsibilities of an issuer and an accountability party in the credit contract template to be created based on the responsibility control selected by the creating user.

Wherein the editing instructions include, but are not limited to, creating a touch editing instruction for a user to a fifth editable module in the editable initial credit contract template; for example, the editing instructions may include click instructions generated by creating a fifth editable module of the user click editable initial credit template.

The set of rights controls includes two or more rights controls, where the rights controls may be understood as controls representing rights, rules, and benefits of the issuer and the acquirer in the credit contract template to be created.

The right control set is determined and displayed on the basis of the selection of the contract relation control in the contract relation control set by the creating user, which contract relation control is selected by the creating user aiming at the second editable module, the right control set corresponding to the contract relation control selected by the creating user is displayed by the credit platform when the creating user operates aiming at the fifth editable module, and the creating user can create the rights, the rules and the benefits of the issuer and the responder in the created credit contract template on the basis of the right control set.

Referring to fig. 3, for example, the creating user selects a picture background control for the fourth editable module with the picture as the contract background for the created credit contract template; a double contract type control is selected aiming at the first editable module, and two parties of a contract issuer and a contract issuer in the created credit contract template are determined; a lease contract relation control is selected for the second editable module to determine that the contract relation between an issuer and an about party in the created credit contract template is a lease relation, the issuer is a tenant 'shallow dream', the about party is a homeowner, and the credit platform displays the about party's responsibility control and the about party's responsibility control in the created credit contract template corresponding to the lease contract relation control under the condition that the creating user receives an editing instruction for the fifth editable module, at this moment, the creating user can create the about party's responsibility as' pay about lease 'of the credit contract template based on the about party's responsibility control, and the about party's responsibility as' timely confirmation collection 'of the credit contract template is created based on the about party's responsibility control.

In this embodiment of the present disclosure, a set of rights controls corresponding to a fifth editable module is determined based on a contract relation control selected by a creating user, and the rights of an issuer and a partner in the credit contract template to be created may be reasonably determined based on the rights of the issuer and the partner in the credit contract template to be created, and the rights of the issuer and the partner in the credit contract template to be created may be custom-reasonably created based on the contract relation of the issuer and the partner in the credit contract template to be created, so that fairness of the credit contract template is revealed, real-time reasonable adjustment may be performed according to the rights of the issuer and the partner in the credit contract template to be created.

Step 108: and under the condition that an editing instruction of the creating user aiming at the third editable module is received, determining a performance item control set corresponding to the third editable module based on the contract relation control, and determining performance items of a sponsor and a subordinate in a credit contract template to be created based on performance item control in the performance item control set selected by the creating user.

Wherein the editing instructions include, but are not limited to, creating a touch editing instruction for a user to edit a third editable module in the initial credit contract template; for example, the editing instructions may include click instructions generated by creating a third editable module of the user click editable initial credit template.

The performance item control set comprises two or more performance item controls, the performance item controls can be understood as controls describing specific appointed contents of an issuer and an opposite party in a credit contract template to be created, the performance item controls can comprise basic controls, description controls and performance controls, wherein the basic controls comprise but are not limited to basic controls used for recording time or number of appointed events of the issuer and the opposite party in the credit contract template to be created, the description controls comprise but are not limited to descriptive controls such as words, voices, pictures, videos, files and hyperlinks used for describing appointed events of the issuer and the opposite party in the credit contract template to be created, the performance controls comprise but are not limited to controls such as positions, payments/purchases, commodity leases, logistics, cards and the like which are related to the appointed events of the issuer and the opposite party in the credit contract template to be created, the specific variation modes of the performance item controls in practical application can be seen in corresponding types of performance items in fig. 2, and can also comprise payment, store, etc. and the like.

In addition, the performance item control set is determined and displayed on the basis of the contract relation control selection in the contract relation control set by the creating user, which contract relation control is selected by the creating user aiming at the second editable module, when the creating user operates aiming at the third editable module, the credit platform displays the performance item control set corresponding to the contract relation control selected by the creating user, and the creating user can create the contract contents of the issuer and the counter in the credit contract template to be created on the basis of the proper performance item control in the performance item control set.

Specifically, determining the about matters of the sponsor and the about party in the credit contract template to be created based on the about matters control in the about matters control set selected by the creation user can refer to the about content part of fig. 3, and the about content part of fig. 3 is the about the about content of the sponsor and the about party in the credit contract template to be created based on the about matters control in the about matters control set selected by the creation user: time of payment for a house, house fee, commitment to a homeowner, etc.

In the embodiment of the specification, the contract relation control selected by the creating user is used for determining the performance item control set corresponding to the third editable module, the credit platform displays the corresponding performance item control set to the creating user based on the difference of the contract relation control selected by the creating user, so that the creating user can conveniently create the specific performance item of the issuing party and the contracting party in the credit contract template based on the contract relation of the issuing party and the contracting party in the specific credit contract template to be created, the creating user can randomly expand the specific performance item of the issuing party and the contracting party in the credit contract template based on the self requirement, the flexibility of the credit contract template is improved, the enthusiasm of the creating user for creating the credit contract template is improved, the originality of the created credit contract template is ensured, and the usability and pertinence of each created credit contract template are increased according to the unique point of the different requirements of the creating user.

In another or more embodiments of the present disclosure, the editable initial credit template further includes a sixth editable module,

Wherein the editing instructions include, but are not limited to, creating a touch editing instruction for a user to a sixth editable module in the editable initial credit contract template; for example, the editing instructions may include click instructions generated by creating a sixth editable module of the user click editable initial credit template.

The performance credit control set comprises two or more performance credit control, wherein the performance credit control can be understood as a control for increasing and decreasing the credit value of a sender and an affiliated party on a credit platform based on performance conditions after the sender and the affiliated party realize performance based on the credit contract template in the credit contract template to be created. For example, the credit control may indicate that the issuer and the contractor in the credit template to be created awards five credits to each of the two parties who complete the performance if the issuer and the contractor are based on the credit template, or that the issuer and the contractor in the credit template to be created reduce five credits to the contraband party if the contractor and the contractor are based on the credit template.

Referring to fig. 3, the part below the contracted content in fig. 3 is a performance credit control of the credit contract template to be created, and according to the description of fig. 3, the performance credit control represents content, which can be understood as that when a tenant and a tenant perform performance based on the credit contract template and keep the performance on the basis of the credit contract template, the credit value of the tenant and the tenant on the credit platform is increased by five points, and in practical application, the performance credit control can be edited, or other sentences or words can be used to represent the content that the performance credit control wants to express.

In the embodiment of the specification, in the process of creating the credit contract template, the creating user explicitly reflects the appreciation of credit values on the issuer and the offeror who perform the credit contract by the created credit contract template on the created credit contract template, so that the conservation awareness of other users when performing the credit contract template by using the created credit contract template can be enhanced, and the conservation behavior of the issuer and the offeror who perform the credit contract by using the credit contract template can be improved.

Step 110: and creating a credit contract template based on the contract type determined by the contract type control, the contract relation determined by the contract relation control and the performance item determined by the performance item control.

Specifically, the creating a credit contract template based on the contract type determined by the contract type control, the contract relationship determined by the contract relationship control, and the performance item determined by the performance item control includes:

In practical application, after selecting the contract background, contract type, contract relation, responsibility and performance item of the credit contract template to be created, the issuer and the acquirer, the credit contract template to be created can be previewed, and the creation user clicks the submit or confirm button on the credit platform to complete the creation of the credit contract template under the condition that the credit contract template is not problematic.

All controls in one or more embodiments of the present disclosure are editable controls, and a creating user can edit and adjust the editable initial credit contract template based on the controls according to the actual requirements of the creating user.

According to the method for creating the credit contract template, which is provided by the embodiment of the specification, after the creation instruction of the received creation credit contract template is firstly received, an editable initial credit contract template is determined based on the creation instruction, under the condition that a certain editable module in the editable initial credit contract template is received by a creation user for the first time, a control set corresponding to the editable module is displayed, then when the next editable module of the editable module is edited by the creation user based on a control in the control set selected by the user, and the control determines the control set corresponding to the next editable module, and the like, the method advances layer by layer until all the editable modules of the editable initial credit contract template are edited to form a credit contract template to be created, the method provides capability of a custom creation template for each creation user, each creation user can create an individualized original credit contract template by combining with the editable control set corresponding to each editable module of the editable initial credit contract template according to actual requirements, the individuation control set of the creation user is in the best in the sense of the individuation of the editable initial credit contract template, and the individuation of the contract creation template is greatly improved.

In another or more embodiments of the present disclosure, after the creating the credit contract template, the method further includes:

auditing the created credit contract template;

The checking the created credit contract template comprises, but is not limited to, checking whether the credit contract template contains contents related to yellow gambling poison and the like, if so, pulling the credit contract template into a blacklist or returning to a creation user, and if not, proving that the credit contract template checking is passed.

Specifically, under the condition that the credit contract template audit is passed, recommending the credit contract template and acquiring a recommendation result of the credit contract template.

And the obtaining the recommendation of the credit contract template comprises:

Before recommending the credit contract template passed by the verification, the credit platform selects a recommended user matched with the credit value of the credit contract template, and then recommends the credit contract template to the recommended user matched with the credit value; for example, the credit value of the recommended user 1 is 20, the required credit value of the credit contract template 1 is 10, in the case that the recommended user 1 browses the credit contract template based on the credit platform, the credit platform can recommend the credit contract template 1 to the recommended user 1, and recommend a credit contract template with better quality based on the credit value of the recommended user on the credit platform, so that the recommended user is motivated to promote the credit value of the recommended user on the credit platform to frequently perform other task operations on the credit platform, the using frequency of the credit platform is increased, and the recommended user can also perform the creation of the credit contract template based on the recommended user, and the creation of the credit contract template with better quality and other types is increased.

In addition, after the attention of the recommended user of the credit contract template to the credit contract template is acquired, the method further comprises:

The attention degree of the recommended user to the credit contract template can be comprehensively calculated from multiple dimensions of collection, clicking, praying, purchasing and the like of the recommended user to the credit contract template, and the higher the collection rate, clicking rate, praying rate and purchasing rate of the recommended user to the credit contract template, the higher the attention degree of the recommended user to the credit contract template is.

The preset threshold is set according to actual requirements, and is not limited in any way. For example, the preset threshold is 60%, the attention degree of the recommended user to the credit contract template is 80%, and then the attention degree of the recommended user to the credit contract template is greater than the preset threshold, and the credit value corresponding to the attention degree is increased for the creating user of the credit contract template.

The score of the credit value which is specifically increased is related to the attention degree of the recommended user to the credit contract template, for example, the attention degree of the recommended user to the credit contract template is 60%, the attention degree of the recommended user to the credit contract template is 80% and the attention degree of the recommended user to the credit contract template is 30%, etc., which are specifically set according to practical application, and not limited herein, and a specific form may be represented by making a correspondence table of the attention degree and the credit value through a table or other forms, etc.

In the embodiment of the specification, the attention of the recommended user to the credit contract template increases the credit value of the recommended user on the credit platform for the creating user of the credit contract template, so that the recommended user can be motivated to raise the credit value of the recommended user on the credit platform to create the high-quality credit contract template meeting the requirements of the recommended user on the credit platform, and the creating quantity of the high-quality credit contract template is greatly increased.

In another or more embodiments of the present disclosure, after the credit value corresponding to the attention degree is increased for the creating user of the credit contract template, the method further includes:

Wherein the modification instruction comprises, but is not limited to, a touch operation modification instruction of a recommended user on the credit contract template and the like.

In addition, modifying the credit contract template based on the modification instruction to generate a target credit contract template includes three cases, wherein the first case is that the modification instruction includes modification of a first editable module in the credit contract template, and the second editable module and the third editable module also need to be respectively adjusted based on the modification of the first editable module under the condition that the first editable module modifies due to the influence of the first editable module on the second editable module and the influence of the second editable module on the third editable module; in the second case, when the modification instruction includes modification of the second editable module in the credit contract template, due to the influence of the second editable module on the third editable module, the third editable module also needs to be adjusted based on the modification of the second editable module when the second editable module is modified; in a third case, when the modification instruction includes modification of the third editable module in the credit contract template, the third editable module does not affect the first editable module and the second editable module, so that only the third editable module needs to be modified.

Specifically, in the first case, the modifying the credit contract template based on the modification instruction to generate a target credit contract template includes:

In this embodiment of the present disclosure, when the modification instruction includes modifying a contract type control in a first editable module in the credit contract template, the contract type control set corresponding to the first editable module is redetermined based on the modification instruction of the recommended user for the first editable module, the contract type of an issuer and an about party in the credit contract template to be created is determined based on the redetermined contract type control in the contract type control set selected by the recommended user, then the second editable module performs adjustment of a contract relationship based on the contract type control of the modified first editable module, the third editable module performs adjustment of a performance control based on the contract relationship control of the modified second editable module, and finally the credit contract template is updated to be the target contract template that the recommended user wants to generate based on the contract type determined by the contract relationship control of the modified first editable module, the contract relationship determined by the contract relationship control of the second editable module, and the performance item determined by the third editable module.

Specifically, in the second case, the modifying the credit contract template based on the modification instruction to generate a target credit contract template includes:

In this embodiment of the present disclosure, when the modification instruction includes modifying a contract type control in a second editable module in the credit contract template, a contract relationship control set corresponding to the second editable module is redetermined based on the modification instruction of the recommended user for the second editable module, a contract relationship between an issuer and an acquirer in the credit contract template to be created is determined based on the redetermined contract relationship control in the contract relationship control set selected by the recommended user, then the third editable module adjusts a performance control based on the modified contract relationship of the second editable module, and finally the credit contract template is updated to be a target credit contract template that the recommended user wants to generate based on the contract relationship determined by the contract relationship control of the modified second editable module and the performance item determined by the performance item control of the third editable module.

Specifically, in a third case, the modifying the credit contract template based on the modification instruction to generate a target credit contract template includes:

Generating a target credit contract template based on the contract type determined by the contract type control, the contract relationship determined by the contract relationship control and the modified performance item determined by the performance item control

In this embodiment of the present disclosure, in a case where the modification instruction includes modification of a contract type control in a third editable module in the credit contract template, a set of performance item controls corresponding to the third editable module is redetermined based on the modification instruction of the recommended user for the third editable module, a performance item of a sender and a counter in the credit contract template to be created is determined based on the redetermined performance item control in the redetermined performance item control set selected by the recommended user, then the third editable module adjusts the performance item based on the redelected performance item control, and finally the credit contract template is updated to a target credit contract template that the recommended user wants to generate based on the performance item determined by the performance item control of the modified third editable module.

In the embodiment of the specification, the recommended user can modify and adjust the credit contract template according to the actual demand of the recommended user, so that the creation of a new credit contract template is realized on the basis of the credit contract template, the bilateral relation between the issuer and the counterparty in the credit contract template is more accurately and effectively defined, credit value, commission or the recommendation of the new credit contract template to the head of the credit contract market of the credit platform are stimulated after the new credit contract template is created, the recommended user is promoted to modify the credit contract template, and a unique new credit contract template is formed, so that the types and the quantity of the credit contract templates in the credit platform are enriched.

Corresponding to the above method embodiments, the present disclosure further provides an embodiment of a credit contract template creation apparatus, and fig. 4 shows a schematic structural diagram of a credit contract template creation apparatus provided in one embodiment of the present disclosure. As shown in fig. 4, the apparatus includes:

a receiving module 402 configured to receive a creation instruction to create a credit contract template by a creation user, and determine an editable initial credit contract template based on the creation instruction, wherein the editable initial credit contract template includes a first editable module, a second editable module, and a third editable module;

a contract type determining module 404 configured to determine, upon receiving an edit instruction of the creating user for the first editable module, a contract type control set corresponding to the first editable module, and determine a contract type of an issuer and an offeror in a credit contract template to be created based on a contract type control in the contract type control set selected by the creating user;

a contract relationship determination module 406 configured to determine, upon receiving an edit instruction for the second editable module by the creating user, a contract relationship control set corresponding to the second editable module based on the contract type control, and determine a contract relationship of an issuer and an issuer in a credit contract template to be created based on a contract relationship control in the contract relationship control set selected by the creating user;

A performance determination module 408 configured to, upon receiving an edit instruction from the creating user for the third editable module, determine a set of performance controls corresponding to the third editable module based on the contractual relationship control, and determine performance of a sponsor and a partner in a credit template to be created based on performance controls in the set of performance controls selected by the creating user;

a template creation module 410 configured to create a credit contract template based on the contract type determined by the contract type control, the contract relationship determined by the contract relationship control, and the performance item determined by the performance item control.

the apparatus further comprises:

the device further comprises:

Optionally, the template creation module 410 is further configured to:

Optionally, the apparatus further includes:

an auditing module configured to audit the created credit contract template;

Optionally, the recommendation module is further configured to:

Optionally, the apparatus further includes:

Optionally, the modification module is further configured to:

In this embodiment of the present disclosure, after the credit template creation device determines an editable initial credit template based on a creation instruction indicated by a received creation credit template, in the case that a creation user first receives a certain editable module in the editable initial credit template, a control set corresponding to the editable module is displayed, then when a creation user edits a next editable module of the editable module based on a control in the control set selected by the user, and the control determines a control set corresponding to the next editable module, so as to analogize until all editable modules of the editable initial credit template complete editing, to form a credit template to be created, the method provides each creation user with capability of custom creation templates, and each creation user can create an original credit template of diversity corresponding to each editable module of the editable initial credit template according to actual needs, so that the individuality of the creation user is enriched, and the diversity of the created credit template is greatly improved.

The above is an exemplary scheme of a credit contract template creation apparatus of the present embodiment. It should be noted that, the technical solution of the credit contract template creation device and the technical solution of the credit contract template creation method belong to the same concept, and details of the technical solution of the credit contract template creation device, which are not described in detail, can be referred to the description of the technical solution of the credit contract template creation method.

Fig. 5 illustrates a block diagram of a computing device 500 provided in accordance with one embodiment of the present description. The components of the computing device 500 include, but are not limited to, a memory 510 and a processor 520. Processor 520 is coupled to memory 510 via bus 530 and database 550 is used to hold data.

Computing device 500 also includes access device 540, access device 540 enabling computing device 500 to communicate via one or more networks 560. Examples of such networks include the Public Switched Telephone Network (PSTN), a Local Area Network (LAN), a Wide Area Network (WAN), a Personal Area Network (PAN), or a combination of communication networks such as the internet. The access device 540 may include one or more of any type of network interface, wired or wireless (e.g., a Network Interface Card (NIC)), such as an IEEE802.11 Wireless Local Area Network (WLAN) wireless interface, a worldwide interoperability for microwave access (Wi-MAX) interface, an ethernet interface, a Universal Serial Bus (USB) interface, a cellular network interface, a bluetooth interface, a Near Field Communication (NFC) interface, and so forth.

In one embodiment of the present description, the above-described components of computing device 500, as well as other components not shown in FIG. 5, may also be connected to each other, such as by a bus. It should be understood that the block diagram of the computing device shown in FIG. 5 is for exemplary purposes only and is not intended to limit the scope of the present description. Those skilled in the art may add or replace other components as desired.

Computing device 500 may be any type of stationary or mobile computing device, including a mobile computer or mobile computing device (e.g., tablet, personal digital assistant, laptop, notebook, netbook, etc.), mobile phone (e.g., smart phone), wearable computing device (e.g., smart watch, smart glasses, etc.), or other type of mobile device, or a stationary computing device such as a desktop computer or PC. Computing device 500 may also be a mobile or stationary server.

Wherein the processor 520 is configured to execute the following computer-executable instructions:

the method further comprises the steps of:

auditing the created credit contract template;

The foregoing is a schematic illustration of a computing device of this embodiment. It should be noted that, the technical solution of the computing device and the technical solution of the above-mentioned credit contract template creation method belong to the same concept, and details of the technical solution of the computing device, which are not described in detail, can be referred to the description of the technical solution of the above-mentioned credit contract template creation method.

An embodiment of the present disclosure also provides a computer-readable storage medium storing computer instructions that, when executed by a processor, are configured to:

the method further comprises the steps of:

auditing the created credit contract template;

The above is an exemplary version of a computer-readable storage medium of the present embodiment. It should be noted that, the technical solution of the storage medium and the technical solution of the above-mentioned credit contract template creation method belong to the same concept, and details of the technical solution of the storage medium which are not described in detail can be referred to the description of the technical solution of the above-mentioned credit contract template creation method.

The foregoing describes specific embodiments of the present disclosure. Other embodiments are within the scope of the following claims. In some cases, the actions or steps recited in the claims can be performed in a different order than in the embodiments and still achieve desirable results. In addition, the processes depicted in the accompanying figures do not necessarily require the particular order shown, or sequential order, to achieve desirable results. In some embodiments, multitasking and parallel processing are also possible or may be advantageous.

The computer instructions include computer program code that may be in source code form, object code form, executable file or some intermediate form, etc. The computer readable medium may include: any entity or device capable of carrying the computer program code, a recording medium, a U disk, a removable hard disk, a magnetic disk, an optical disk, a computer Memory, a Read-Only Memory (ROM), a random access Memory (RAM, random Access Memory), an electrical carrier signal, a telecommunications signal, a software distribution medium, and so forth. It should be noted that the computer readable medium contains content that can be appropriately scaled according to the requirements of jurisdictions in which such content is subject to legislation and patent practice, such as in certain jurisdictions in which such content is subject to legislation and patent practice, the computer readable medium does not include electrical carrier signals and telecommunication signals.

It should be noted that, for simplicity of description, the foregoing method embodiments are all expressed as a series of combinations of actions, but it should be understood by those skilled in the art that the embodiments are not limited by the order of actions described, as some steps may be performed in other order or simultaneously according to the embodiments of the present disclosure. Further, those skilled in the art will appreciate that the embodiments described in the specification are all preferred embodiments, and that the acts and modules referred to are not necessarily all required for the embodiments described in the specification.

In the foregoing embodiments, the descriptions of the embodiments are emphasized, and for parts of one embodiment that are not described in detail, reference may be made to the related descriptions of other embodiments.

The preferred embodiments of the present specification disclosed above are merely used to help clarify the present specification. Alternative embodiments are not intended to be exhaustive or to limit the invention to the precise form disclosed. Obviously, many modifications and variations are possible in light of the teaching of the embodiments. The embodiments were chosen and described in order to best explain the principles of the embodiments and the practical application, to thereby enable others skilled in the art to best understand and utilize the invention. This specification is to be limited only by the claims and the full scope and equivalents thereof.

Claims

1. A method of credit contract template creation, comprising:

creating a credit contract template based on the contract type determined by the contract type control, the contract relationship determined by the contract relationship control and the performance item determined by the performance item control;

and under the condition that the credit contract template audit is passed, determining a recommended user matched with the credit value of the credit contract template, and acquiring the attention degree of the recommended user to the credit contract template.

2. The method for creating a credit contract template according to claim 1, wherein the editable initial credit contract template further comprises a fourth editable module,

the method further comprises the steps of:

3. The method for creating a credit contract template according to claim 1 or 2, wherein the editable initial credit contract template further comprises a fifth editable module,

4. The method for creating a credit contract template according to claim 3, wherein the editable initial credit contract template further comprises a sixth editable module,

5. The credit contract template creation method of claim 4, the creating a credit contract template based on the contract type determined by the contract type control, the contract relationship determined by the contract relationship control, and the performance item determined by the performance item control comprising:

the method comprises the steps of determining a contract background of a to-be-created credit contract template based on a contract background control, determining a contract type of an issuer and an issuer in the to-be-created credit contract template by a contract type control, determining a contract relationship of the issuer and the issuer in the to-be-created credit contract template by a contract relationship control, determining a performance item of the issuer and the issuer in the to-be-created credit contract template by a performance item control, determining a weight of the issuer and the issuer in the to-be-created credit contract template by a weight control, and determining a performance credit value of the issuer and the issuer in the to-be-created credit contract template by a credit value control.

6. The method for creating a credit contract template according to claim 5, further comprising, after the creating of the credit contract template:

auditing the created credit contract template;

7. The method for creating a credit contract template according to claim 1, further comprising, after the obtaining of the attention of the recommended user of the credit contract template to the credit contract template:

8. The credit contract template creation method as recited in claim 7, further comprising, after the credit value corresponding to the attention degree is increased for the credit contract template creation user:

9. The credit contract template creation method of claim 8, the modifying the credit contract template based on the modification instructions to generate a target credit contract template comprising:

10. The credit contract template creation method of claim 8, the modifying the credit contract template based on the modification instructions to generate a target credit contract template comprising:

11. The credit contract template creation method of claim 8, the modifying the credit contract template based on the modification instructions to generate a target credit contract template comprising:

12. A credit contract template creation apparatus, comprising:

a template creation module configured to create a credit contract template based on the contract type determined by the contract type control, the contract relationship determined by the contract relationship control, and the performance item determined by the performance item control;

and the recommending module is configured to determine a recommended user matched with the credit value of the credit contract template and acquire the attention degree of the recommended user to the credit contract template under the condition that the credit contract template is checked and passed.

13. The credit contract template creation means of claim 12, further comprising a fourth editable module in the editable initial credit contract template,

the apparatus further comprises:

14. The credit contract template creation means as recited in claim 12 or 13, wherein the editable initial credit contract template further includes a fifth editable module,

the device further comprises:

15. The credit contract template creation means of claim 14, further comprising a sixth editable module in the editable initial credit contract template,

the device further comprises:

16. A computing device, comprising:

a memory and a processor;

17. A computer readable storage medium storing computer instructions which, when executed by a processor, implement the steps of the credit contract template creation method of any one of claims 1 to 11.