CN114820124A - Method, device, equipment and medium for reducing vehicle rental overdue rate - Google Patents

Method, device, equipment and medium for reducing vehicle rental overdue rate Download PDF

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CN114820124A
CN114820124A CN202210444589.9A CN202210444589A CN114820124A CN 114820124 A CN114820124 A CN 114820124A CN 202210444589 A CN202210444589 A CN 202210444589A CN 114820124 A CN114820124 A CN 114820124A
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孙振
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Ping An International Financial Leasing Co Ltd
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Ping An International Financial Leasing Co Ltd
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    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
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Abstract

The invention relates to the technical field of digital assets, and discloses a method, a device, equipment and a medium for reducing vehicle rental overdue rate, wherein the method comprises the following steps: acquiring a slow lease application of a lessee; judging whether the request for the slow lease is agreed according to the request for the slow lease, the vehicle driving data and a slow lease algorithm; and under the condition of agreeing to the request for the slow lease, the lessee makes a payment according to the request for the slow lease. Aiming at the phenomenon that the operation condition of part of commercial vehicles is good, the settlement date is abnormal only because the turnover of the goods is not smooth, but the commercial vehicles are actually competent and are intentionally returned in time in the next month, the renters can pay according to the relegated applications of the renters, the vehicle driving data and the relegated algorithms on the premise of judging that the relegated applications are approved, and the overdue rate of the rented vehicle is reduced.

Description

Method, device, equipment and medium for reducing vehicle rental overdue rate
Technical Field
The invention relates to the technical field of digital asset technology and vehicle leasing, in particular to a method, a device, equipment and a medium for reducing the overdue rate of vehicle leasing.
Background
The commercial vehicle is used as a production tool, bears most of work of commodity road transportation, and the operation stability of the commercial vehicle promotes the stability and harmony of the society.
Commercial vehicles belong to heavy assets, and most of the commercial vehicles are purchased by companies in a loan or financing renting mode, namely, the commercial vehicles are purchased in a mode that a vehicle owner pays a part of funds first and pays monthly supply or rent to a renting company every month. In the actual commercial vehicle operation process, various unexpected situations can occur, for example, traffic accidents cause that the vehicle cannot continue to operate, the payment of goods is not timely settled, and the like, so that the problem that the vehicle owner delays paying monthly supply or renting money can occur. Under the current situation, for the problem that the repayment of the commercial vehicle is overdue, a financing leasing company generally adopts a solution that payment is firstly urged, the overdue of a user is judged, the overdue condition of the user is reported to a credit chief department, and the vehicle is forcibly recovered to perform asset processing. However, this approach often has certain disadvantages, such as: for the problem of short-term overdue rental caused by difficulty in temporary operation of the vehicle, if the financing leasing company forcibly withdraws the vehicle, not only the influence on the user is caused, but also the loss is caused to the financing leasing company.
The operation condition of partial commercial vehicles is good, the settlement date is abnormal only because the turnover of the goods money is not smooth, and the settlement date is actually capable and willing to be cleared in time in the next month. If the user is judged to be overdue by force, the user may be intentionally unpaid due to credit reporting, and unnecessary asset loss is caused to the leasing company.
In the prior art, the leasing company does not allow a processing mode of leasing delay, and the overdue rate of vehicle leasing and repayment is improved.
Disclosure of Invention
The invention provides a method, a device, computer equipment and a storage medium for reducing the overdue rate of vehicle leasing, and aims to solve the technical problem of overhigh overdue rate during vehicle leasing repayment caused by the fact that a leasing company does not allow leasing in the prior art.
In a first aspect, a method for reducing vehicle rental overdue rate is provided, which includes:
acquiring a slow lease application of a lessee;
judging whether the request for the slow lease is agreed according to the request for the slow lease, the vehicle driving data and a slow lease algorithm;
and under the condition of agreeing to the request for the slow lease, the lessee makes a payment according to the request for the slow lease.
In a second aspect, an apparatus for reducing the overdue rate of vehicle renting is provided, which includes:
the system comprises a cache lease application acquisition module, a cache lease application acquisition module and a cache lease application processing module, wherein the cache lease application acquisition module is used for acquiring cache lease applications of tenants;
the system comprises a lease-postponing application judging module, a lease-postponing application determining module and a lease-postponing algorithm, wherein the lease-postponing application judging module is used for judging whether to approve the lease-postponing application according to the lease-postponing application, vehicle driving data and a lease-postponing algorithm;
and the lease-postponing application implementation module is used for paying by the lessee according to the lease-postponing application under the condition that the lease-postponing application is agreed.
In a third aspect, a computer device is provided, which comprises a memory, a processor and a computer program stored in the memory and executable on the processor, wherein the processor executes the computer program to perform the steps of the method for reducing the overdue rate of rental of vehicles.
In a fourth aspect, a computer readable storage medium is provided, in which a computer program is stored, and the computer program, when executed by a processor, implements the steps of the above method for reducing vehicle rental overdue rate.
According to the scheme for reducing the overdue rate of vehicle leasing, the device, the computer equipment and the storage medium, firstly, a slow lease application of a lessee is obtained, then whether the slow lease application is agreed is judged according to the slow lease application, vehicle driving data and a slow lease algorithm, and finally, under the condition that the slow lease application is agreed, the lessee repays according to the slow lease application. According to the method, aiming at the phenomenon that partial vehicles have good running conditions, settlement dates are abnormal only due to the fact that turnover of goods is not smooth, but the vehicles have the actual ability and are willing to return in time in the next month, the renters can pay according to the slow renting application on the premise that the lessees agree with the slow renting application, the vehicle running data and the slow renting algorithm, and overdue rate of the vehicle renting and paying is reduced.
In the scheme for reducing the vehicle rental overdue rate, the device, the computer equipment and the storage medium, firstly, whether the reason for overdue accords with the authenticity of the reason for overdue is verified according to the reason for overdue, the rental slowing algorithm, the vehicle GPS data and/or the other data of the vehicle; and on the premise that the overdue reason accords with the authenticity of the overdue reason, judging whether the relet scheme accords with the repayment capability of the lessee or not according to the relet scheme, the vehicle GPS data and the relet algorithm, and when the relet scheme accords with the repayment capability of the lessee, agreeing to the relet application of the lessee, and repaying the lessee according to the relet application by the lessee. According to the method and the device, the overdue reason and the repayment capacity of the lessee can be discriminated according to the real situation of the running vehicle, whether the lessee is approved to apply for slow lease can be judged, the fraud phenomenon can be identified, and the loss of a leasing company is reduced.
Drawings
In order to more clearly illustrate the technical solutions of the embodiments of the present invention, the drawings needed to be used in the description of the embodiments of the present invention will be briefly introduced below, and it is obvious that the drawings in the following description are only some embodiments of the present invention, and it is obvious for those skilled in the art that other drawings can be obtained according to these drawings without inventive labor.
FIG. 1 is a schematic diagram of an application environment of a method for reducing overdue rate of vehicle rental in accordance with an embodiment of the present invention;
FIG. 2 is a flowchart illustrating a method for reducing the overdue rate of vehicle rental in accordance with an embodiment of the present invention;
FIG. 3 is a flowchart illustrating one embodiment of step S200 of FIG. 2;
FIG. 4 is a flowchart illustrating one embodiment of step S210 in FIG. 3;
FIG. 5 is a schematic diagram of an apparatus for reducing the overdue rate of vehicle rental in accordance with an embodiment of the present invention;
fig. 6 is a schematic structural diagram of an embodiment of the cache lease application determining module 20 in fig. 5;
FIG. 7 is a schematic diagram of a computer device according to an embodiment of the present invention;
fig. 8 is another schematic structural diagram of a computer device according to an embodiment of the present invention.
Detailed Description
The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are some, not all, embodiments of the present invention. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
The method for reducing the overdue rate of vehicle rental provided by the embodiment of the invention can be applied to the application environment shown in fig. 1, wherein a client communicates with a server through a network. The server side can obtain the lease-postponing application of the lessee collected by the client side; judging whether the request for the lease-postponing is agreed according to the request for the lease-postponing, the vehicle driving data and a lease-postponing algorithm; under the condition of agreeing to the request for the slow lease, feeding back the information of agreeing to the request for the slow lease to the client; and the lessee repays according to the lease-postponing application. According to the invention, aiming at the phenomenon that part of commercial vehicles have good running conditions, the settlement date is abnormal only because the turnover of the goods is not smooth, but the commercial vehicles have the actual ability and are willing to be cleared in time in the next month, the lessees can pay according to the slow lease application of the lessees on the premise of judging that the lessees are approved according to the slow lease application, the vehicle running data and the lease algorithm, so that the overdue rate of the vehicle lease payment is reduced. The client may be, but is not limited to, various personal computers, notebook computers, smart phones, tablet computers, and the like. The server can be implemented by an independent server or a server cluster composed of a plurality of servers. The present invention is described in detail below with reference to specific examples.
Referring to fig. 2-4, fig. 2-4 are schematic flow charts of a method for reducing vehicle rental overdue rate according to an embodiment of the present invention, including the following steps:
in the invention, a cache condition library and a cache standard are established through GPS data of the vehicle, other data of the vehicle and a cache algorithm; the lease-postponing standard can be a rule which is established in a lease-postponing condition library by a lease company in actual application and comprises the conditions of lease-postponing, payment delaying and the like. The invention can agree with the relet application of the lessee when judging that the relet application of the lessee meets the relet standard in the financing lease scene or the financing scene of loan installment repayment and the like.
And S100, acquiring a slow lease application of the lessee. Wherein the lease-postponed application comprises a reason for overdue and a lease scheme. In step S100, that is, acquiring a request for a slow lease of a tenant includes: and acquiring the overdue reason and the lease-slowing scheme of the lessee.
When a lessee of a vehicle expects that a repayment date is possible to cause overdue rent, the lessee can actively explain the reason of overdue to a leasing company and apply for a lease-slowing scheme, so that when the lease company agrees to the lease-slowing application, the time for fund turnover is reserved, the lease can be paid according to the lease-slowing application, the problem of credit investigation of the lessee caused by delayed lease payment is avoided, and the operation stability of the vehicle is guaranteed.
It should be noted that the reason for overdue refers to the reason for the lessee to pay the rent overdue; the lease-suspended scheme is a scheme that lessees suspend or pay vehicle rent by stages. The slow rent scheme can be that the next month rent is normally paid 15 days before the next month and is complemented; the lease-postponing scheme can also be to pay the lease money in different periods.
In the embodiment of the invention, the lessee can describe, select and/or upload the reason for overdue on the APP of the leasing company, and select, fill and/or upload the scheme for the slow lease and the like. For example, the overdue reason described by the lessee on the APP of the rental company may be: the vehicle is scrapped due to an accident, so that the continuous operation cannot be carried out; or selecting options such as accident rejection on the APP of the leasing company; meanwhile, the lessee should upload the car accident picture. Correspondingly, the lease-slowing scheme selected by the lessee on the APP of the lease company can be as follows: paying all the money once after the claims are settled; or, filling out on the APP of the rental company: the insurance company is required to pay rent, tail money and the like for one time after the insurance company pays the claim; and meanwhile, uploading the vehicle insurance contract.
And S200, judging whether the request for the slow lease is approved or not according to the request for the slow lease, the vehicle driving data and a slow lease algorithm.
In the embodiment of the invention, the rental company knows the operation condition of the lessee according to the vehicle driving data, can analyze and check the operation condition and overdue reason of the lessee through a lessee-slowing algorithm in a lessee-slowing condition library, and selectively approve or disapprove the lessee-slowing application according to the analysis and check result.
In step S200, that is, according to the lease-postponed application, the vehicle driving data, and the lease-postponed algorithm, determining whether to approve the lease-postponed application includes:
and S210, judging whether the lease-postponed application meets the lease-postponed standard or not according to the lease-postponed application, the vehicle driving data and the lease-postponed algorithm. Wherein the vehicle driving data comprises vehicle GPS data and/or vehicle other data; the vehicle GPS data can be acquired by a GPS positioning system such as a Beidou system and the like carried on the vehicle, and extra cost is not needed; the other data of the vehicle comprise sensing data, and the vehicle data acquired by the sensor are the sensing data which can reflect the real-time state of the vehicle. The lease-deferral criteria include authenticity of the reason for the expiration and repayment capabilities of the tenant.
In step S210, that is, according to the lease-postponed application, the vehicle driving data, and the lease-postponed algorithm, determining whether the lease-postponed application meets a lease-postponed criterion includes the following steps:
and S211, verifying whether the reason for overdue accords with the authenticity of the reason for overdue according to the reason for overdue, the relegated algorithm, the vehicle GPS data and/or the other data of the vehicle.
In the embodiment of the invention, the instantaneous speed and acceleration of the vehicle running before and after the accident time point can be calculated according to the vehicle GPS data, whether the vehicle has a collision or not is determined according to the instantaneous speed and acceleration of the vehicle running, and the collision is a serious collision, a light collision or a moderate collision. If the instantaneous speed value or the acceleration value of the vehicle running is greater than the first speed value before the time point of the accident, and the instantaneous speed value and the acceleration value of the vehicle running are 0 after the time point of the accident, the vehicle is possibly collided seriously; if the instantaneous speed value or the acceleration value of the vehicle running is larger than the first speed value before the time point of the accident, and the number of the instantaneous speed value and the acceleration value of the vehicle running is smaller than the first number after the time point of the accident, the vehicle is possibly in a moderate collision; if the number and the value of the instantaneous speed value or the acceleration value of the vehicle running are within the normal range after the time point of the accident, the vehicle is possible to have a light collision.
The first speed value may represent a minimum instantaneous speed value or an acceleration value at the time of an accident of the vehicle.
The first number may represent the number of instantaneous velocity values and acceleration values at which the vehicle is moving for a short time after an accident. When the vehicle is in a moderate collision, the vehicle can be moved less in a short time so as to adjust the position and bring convenience to a trailer and the like to send the vehicle to a maintenance process.
The normal range value may represent the number and range values of the instantaneous speed value and the acceleration value during normal driving when the vehicle is not in an accident. When the vehicle is in light collision, the vehicle is less damaged and can continue to run; if the vehicle needs to be repaired, the repair time and the repair cost are less, and the rent and the safety of the lessee are not greatly influenced.
In an embodiment of the invention, the sensor may be an impact sensor. When a collision sensor is mounted on a GPS positioning system of a vehicle, it can be directly determined from vehicle GPS data and sensor data that the vehicle has a heavy collision, a medium collision, a light collision, or the like.
In the embodiment of the present invention, the judgment of the validity of the reason of overdue by the cache algorithm is illustrated as follows:
when the reason for the overdue of the lessee is described as: when the vehicle is scrapped due to an accident, the operation cannot be continued. If the fact that the vehicle is severely collided is determined through vehicle GPS data and/or sensing data, or the fact that the vehicle is severely collided is determined through vehicle accident pictures uploaded by the overdue reasons of the lessees, the authenticity of the overdue reasons of the lessees can be directly judged;
when the reason for the overdue of the lessee is described as: and the vehicle is maintained in case of accident, so that the vehicle is suspended in operation. If the moderate collision of the vehicle is determined through the vehicle GPS data and/or the sensing data, or the moderate collision of the vehicle is determined through the vehicle accident picture uploaded by the overdue reason of the lessee, the authenticity of the overdue reason of the lessee can be directly judged;
when the reason for the overdue of the lessee is described as: and the vehicle is maintained in case of accident, so that the vehicle is suspended in operation. Determining that the vehicle has a light collision through vehicle GPS data and/or sensing data; at this time, if the vehicle accident picture uploaded by the overdue reason of the lessee confirms that the vehicle has slight collision, the authenticity of the overdue reason of the lessee which does not conform to the overdue reason can be directly judged; if the vehicle accident picture uploaded by the overdue reason of the lessee confirms that the vehicle has a severe collision or a moderate collision, the fact that the overdue reason of the lessee accords with the authenticity of the overdue reason can be directly judged.
And S212, judging whether the lease-slowing scheme conforms to the repayment capability of the lessee or not on the premise that the reason of expiration conforms to the authenticity of the reason of expiration.
In the embodiment of the invention, if the overdue reason of the lessee does not conform to the authenticity of the overdue reason, the fact that the lessee possibly has a fraud problem is shown, and uncertainty exists about whether the lessee can normally repay the money or not. At this time, the leasing company should stop judging the repayment capacity of the lessee and directly determine that the lessee does not agree with the relet application of the lessee so as to avoid loss.
And S213, judging whether the lease-slowing scheme meets the repayment capability of the lessee or not according to the lease-slowing scheme, the vehicle GPS data and the lease-slowing algorithm.
In the embodiment of the invention, the operation condition of the lessee is analyzed through vehicle GPS data. The method comprises the steps that the accumulated running mileage of a lessee can be determined according to the accumulation of distances between GPS position points in vehicle GPS data, and the monthly running mileage or annual running mileage and the like of the lessee can be calculated according to the accumulated running mileage of the lessee; and the operation condition of the lessee is determined by the monthly running mileage and/or the annual running mileage.
When the repayment capacity of the lessee is analyzed according to the operation condition of the lessee, the repayment capacity of the lessee can be determined according to the monthly or yearly average operating mileage of the lessee, the preset operating mileage and the repayment time applied in the lease-postponing scheme. The preset operation mileage can be determined by operation mileage data disclosed in the industry, for example, in the tractor industry, when the average monthly operation mileage of a vehicle is 8000 km, the preset operation mileage of the vehicle is 8000 km; the preset operation mileage can also be determined by operation data historically accumulated by the leasing company, for example, the annual average operation mileage of the vehicle determined according to the operation data historically accumulated by the leasing company is 9600 km, that is, the preset operation mileage of the lessee is 9600 km. In the embodiment of the invention, the repayment capacity of the lessee is judged through the operation mileage data disclosed in the industry and the preset operation mileage set by the operation data historically accumulated by the leasing company, so that the judgment accuracy can be improved.
In the embodiment of the present invention, the determination of the repayment capability of the lessee by the lease-deferring algorithm includes, for example:
when the caching scheme is as follows: and paying the rental term by stages, wherein the operation condition of the lessee is the monthly operation mileage. In the overdue half year, if the monthly running mileage of the lessee exceeds the preset running mileage, the operation condition of the lessee is stable in a short period, and when the lessee carries out the installment payment of the rent of the period, the influence on the paid rent caused by the life of the lessee is avoided, and the lessee-slowing scheme of the lessee can be directly judged to be in accordance with the repayment capability of the lessee;
when the caching scheme is as follows: and normally paying the next month rent 15 days before the next month and supplementing the month rent, wherein the operation condition of the lessees is the annual average operation mileage. If the annual average operating mileage of the lessee is not lower than the preset operating mileage within one overdue year, the operating condition of the lessee is shown to be in a stable state for a long time, and when the lessee pays the rent for two months next time, the lessee can not influence the paid rent due to the life of the lessee and the like, and the lessee leasing scheme can be directly judged to be in accordance with the repayment capability of the lessee;
in another embodiment of the present invention, when the overdue reason of the lessee is: the vehicle accident is scrapped, so that the continuous operation cannot be carried out, and the slow renting scheme of the lessee is as follows: the insurance company is required to pay rent and tail money for one time after the insurance company pays the claim. On the premise that the overdue reason of the lessee accords with the authenticity of the overdue reason, identifying the vehicle insurance contract; and when the vehicle insurance contract is true, judging whether the vehicle accident conforms to the claim settlement range of the vehicle insurance company and whether the repayment date in the slow renting scheme conforms to the claim settlement time of the vehicle insurance contract through vehicle GPS data, and if so, directly judging that the slow renting scheme of the lessee conforms to the repayment capability of the lessee.
It is noted that the repayment capability of the lessee refers to the capability of the lessee to repay according to the lease-postpone scheme. Or, it can also be understood that the repayment capability of the lessee refers to whether the operation of the vehicle can cover the operation cost of the vehicle within a period of time before the vehicle sends the request for slow lease, that is, the capability of completing the reimbursement for arrestment within the next period of time or an agreed reimbursement period.
And S220, agreeing to the relet application on the premise that the relet application meets the relet standard.
In the embodiment of the invention, the request for the slow lease of the lessee meets the standard of the slow lease, which shows that the operation condition of the vehicle of the lessee is good, the settlement date is abnormal only because the turnover of the goods and the money is not communicated, but the vehicle is actually capable and willing to return back in time, and at the moment, the lease company shall agree with the request for the slow lease of the lessee to reduce the loss.
In the embodiment of the invention, the lease-postponing application of the lessee does not accord with the lease-postponing standard, which indicates that the reason for overdue of the lessee does not accord with the authenticity of the reason for overdue and/or the lease-postponing scheme of the lessee does not accord with the repayment capability of the lessee. When the overdue reason of the lessee does not accord with the authenticity of the overdue reason, the lease company does not agree with the relegated application of the lessee so as to avoid the phenomenon of fraud; and when the lease-slowing scheme of the lessee does not accord with the repayment capacity of the lessee, the lease company does not agree with the lease-slowing application of the lessee and adopts a reasonable means to preserve the leased vehicle assets.
According to the scheme, whether the reason for overdue accords with the authenticity of the reason for overdue is verified according to the reason for overdue, the lease algorithm, the vehicle GPS data and/or the vehicle other data; and on the premise that the overdue reason accords with the authenticity of the overdue reason, judging whether the relet scheme accords with the repayment capability of the lessee or not according to the relet scheme, the vehicle GPS data and the relet algorithm, and when the relet scheme accords with the repayment capability of the lessee, agreeing to the relet application of the lessee, and repaying the lessee according to the relet application by the lessee. In the embodiment of the invention, the overdue reason and repayment capacity of the lessee can be discriminated according to the real condition of the vehicle in running, whether the lessee is approved to request for slow lease can be determined, and the phenomenon of fraud can be identified; compared with the traditional processing mode that the leasing company is 'one-time cut' and does not allow the leasing to be delayed, the overdue rate of the vehicle when the vehicle financing leasing repayment is effectively reduced, and the loss of the leasing company is reduced.
And S300, under the condition that the request for the slow lease is agreed, the lessee makes a payment according to the request for the slow lease. Having arrived the date of repayment in the slow lease application, if the lessee still can't normally repayment, then the lessee can carry out the operation of reletting again through the APP of lease company, the lease company carries out the application of reletting of lessee once more the judgement of whether the slow lease application accords with the slow lease standard, at this moment, the lease company should know the lessee and not according to the reason of reletting the normal repayment of applying for, need to carry out comprehensive consideration with the slow lease application of this time and the slow lease application of last time, verify the authenticity that whether the overdue reason of lessee accords with the overdue reason, and judge the repayment ability of lessee, in order to judge whether agree to the slow lease application that the lessee submitted once more.
In another embodiment of the invention, if the renter still needs to perform the slow renting operation under the condition that the renter does not agree with the slow renting application of the renter. The lessees can negotiate with the leasing company in a telephone communication or on-line consultation mode, and the two parties can discuss according to specific conditions and agree a certain subsidy payment scheme. And the lessee re-uploads the relegated application according to the appointed reimbursement scheme, and the lease company selects to agree with the relegated application according to the relegated application. On the premise that the lease company does not agree with the lease-postponed application submitted by the lessee, the lessee can adopt a telephone communication or on-line consultation mode to discuss with the lease company, determine a proper payment-supplementing scheme and upload the lease-postponed application again, so that certain buffering time can be given to the lessee, the problem of short-term overdue caused by temporary operation difficulty is solved, the loss of the lessee is reduced, and the loss of the lease company can be reduced.
Therefore, in the scheme, aiming at the phenomenon that partial vehicles have good running conditions, settlement dates are abnormal only due to the fact that goods turnover is not smooth, but the vehicles actually have the ability and are willing to timely pay off in the next month, the slow lease application of the lessees is obtained, and whether the slow lease application is agreed is judged according to the slow lease application, vehicle running data and a slow lease algorithm, so that the lessees pay back according to the slow lease application under the condition that the slow lease application is agreed, the short-term overdue problem of rent caused by the difficulty in temporary vehicle operation can be solved, and the overdue rate during vehicle lease payment and the loss of leasing companies are reduced.
It should be understood that, the sequence numbers of the steps in the foregoing embodiments do not imply an execution sequence, and the execution sequence of each process should be determined by its function and inherent logic, and should not constitute any limitation to the implementation process of the embodiments of the present invention.
In one embodiment, an apparatus for reducing the overdue rate of vehicle renting is provided, and the apparatus for reducing the overdue rate of vehicle renting corresponds to the method for reducing the overdue rate of vehicle renting in the above embodiment. As shown in fig. 5 and 6, the apparatus for reducing the overdue rate of vehicle renting includes a slow rental application acquiring module 10, a slow rental application determining module 20, and a slow rental application implementing module 30. The functional modules are explained in detail as follows:
a lease-postponing application acquisition module 10, configured to acquire a lease-postponing application of a tenant;
a lease-postponing application judging module 20, configured to judge whether to approve the lease-postponing application according to the lease-postponing application, vehicle driving data, and a lease-postponing algorithm;
and a lease-postponing application implementation module 30, configured to, in a case that the lease-postponing application is agreed, repayment is performed by the tenant according to the lease-postponing application.
In an embodiment, the cache lease application obtaining module 10 is specifically configured to:
acquiring the overdue reason and the lease-slowing scheme of the lessee; the lease-deferring application comprises a reason for overdue and a lease scheme.
In an embodiment, the lease-deferring application determining module 20 is specifically configured to:
a lease-postponed application analysis unit 21, configured to determine whether the lease-postponed application meets a lease-postponed criterion according to the lease-postponed application, the vehicle driving data, and the lease-postponed algorithm; the vehicle driving data comprises vehicle GPS data and/or vehicle other data; the lease-deferral criteria include authenticity of the reason for overdue and repayment capability of the lessee;
a lease-deferring application determining unit 22, configured to approve the lease-deferring application on the premise that the lease-deferring application meets the lease-deferring standard.
In an embodiment, the cache lease application analysis unit 21 is specifically configured to:
verifying whether the reason for overdue conforms to authenticity of the reason for overdue according to the reason for overdue, the relegant algorithm, the vehicle GPS data and/or the vehicle other data; the other data of the vehicle comprises sensing data, and the vehicle data acquired by the sensor is the sensing data.
In an embodiment, the cache lease application analysis unit 21 is specifically configured to:
and on the premise that the reason of overdue accords with the authenticity of the reason of overdue, judging whether the lease-slowing scheme accords with the repayment capability of the lessee.
In an embodiment, the cache lease application analysis unit 21 is further configured to:
and judging whether the lease-slowing scheme meets the repayment capacity of the lessee or not according to the lease-slowing scheme, the vehicle GPS data and the lease-slowing algorithm.
In the embodiment of the invention, whether the reason for overdue accords with the authenticity of the reason for overdue is verified according to the reason for overdue, the lease algorithm, the vehicle GPS data and/or the vehicle other data; and on the premise that the overdue reason accords with the authenticity of the overdue reason, judging whether the relet scheme accords with the repayment capability of the lessee or not according to the relet scheme, the vehicle GPS data and the relet algorithm, and when the relet scheme accords with the repayment capability of the lessee, agreeing to the relet application of the lessee, and repaying the lessee according to the relet application by the lessee. In the embodiment of the invention, overdue reasons and repayment capacity of the lessee can be discriminated according to the real situation of the vehicle during running, whether the lessee is approved for the slow lease application can be determined, and the cheating phenomenon can be identified; compared with the traditional processing mode that the leasing company is 'one-time cut' and does not allow the leasing to be delayed, the overdue rate of the vehicle when the vehicle financing leasing repayment is effectively reduced, and the loss of the leasing company is reduced.
The invention provides a device for reducing overdue rate of vehicle leasing, which comprises the steps of firstly obtaining a request for reletting of a lessee, then judging whether the request for reletting is agreed according to the request for reletting, vehicle driving data and a reletting algorithm, and finally paying by the lessee according to the request for reletting under the condition that the request for reletting is agreed, so that the overdue rate during vehicle leasing and paying can be reduced, and the loss of a leasing company can be reduced.
For specific limitations of the device for reducing the vehicle rental overdue rate, reference may be made to the above limitations of the method for reducing the vehicle rental overdue rate, and further description thereof is omitted here. All or part of the modules in the device for reducing the vehicle rental overdue rate can be realized by software, hardware and a combination thereof. The modules can be embedded in a hardware form or independent from a processor in the computer device, and can also be stored in a memory in the computer device in a software form, so that the processor can call and execute operations corresponding to the modules.
In one embodiment, a computer device is provided, which may be a server, and its internal structure diagram may be as shown in fig. 7. The computer device includes a processor, a memory, a network interface, and a database connected by a system bus. Wherein the processor of the computer device is configured to provide computing and control capabilities. The memory of the computer device includes non-volatile and/or volatile storage media, internal memory. The non-volatile storage medium stores an operating system, a computer program, and a database. The internal memory provides an environment for the operation of an operating system and computer programs in the non-volatile storage medium. The network interface of the computer device is used for communicating with an external client through a network connection. The computer program is executed by a processor to implement functions or steps of a service side of a method of reducing vehicle rental overdue rate.
In one embodiment, a computer device is provided, which may be a client, and its internal structure diagram may be as shown in fig. 8. The computer device comprises a processor, a memory, a network interface, a display screen and an input device which are connected through a system bus. Wherein the processor of the computer device is configured to provide computing and control capabilities. The memory of the computer device comprises a nonvolatile storage medium and an internal memory. The non-volatile storage medium stores an operating system and a computer program. The internal memory provides an environment for the operation of an operating system and computer programs in the non-volatile storage medium. The network interface of the computer device is used for communicating with an external server through a network connection. The computer program is executed by a processor to implement the functions or steps of a method of reducing vehicle rental overdue rate on the client side
In one embodiment, a computer device is provided, comprising a memory, a processor, and a computer program stored on the memory and executable on the processor, the processor implementing the following steps when executing the computer program:
acquiring a slow lease application of a lessee;
judging whether the request for the slow lease is agreed according to the request for the slow lease, the vehicle driving data and a slow lease algorithm;
and under the condition of agreeing to the request for the slow lease, the lessee makes a payment according to the request for the slow lease.
In one embodiment, a computer-readable storage medium is provided, having a computer program stored thereon, which when executed by a processor, performs the steps of:
acquiring a slow lease application of a lessee;
judging whether the request for the slow lease is agreed according to the request for the slow lease, the vehicle driving data and a slow lease algorithm;
and under the condition of agreeing to the request for the slow lease, the lessee makes a payment according to the request for the slow lease.
It should be noted that, the functions or steps that can be implemented by the computer-readable storage medium or the computer device can be referred to the related descriptions of the server side and the client side in the foregoing method embodiments, and are not described here one by one to avoid repetition.
According to the method, a lease-postponing application of a lessee is firstly obtained, whether the lease-postponing application is agreed is judged according to the lease-postponing application, vehicle driving data and a lease-postponing algorithm, and finally the lessee repays according to the lease-postponing application under the condition that the lease-postponing application is agreed. According to the method and the system, aiming at the phenomenon that partial vehicles have good running conditions, settlement dates are abnormal only due to the fact that turnover of goods is not smooth, but the vehicles have the actual ability and are willing to be cleared in time in the next month, the renters can pay according to the slow renting application and the vehicle running data and the slow renting algorithm on the premise that the lessers agree with the slow renting application, and the overdue rate of the vehicle renting and paying is reduced.
It will be understood by those skilled in the art that all or part of the processes of the methods of the embodiments described above can be implemented by hardware instructions of a computer program, which can be stored in a non-volatile computer-readable storage medium, and when executed, can include the processes of the embodiments of the methods described above. Any reference to memory, storage, database, or other medium used in the embodiments provided herein may include non-volatile and/or volatile memory, among others. Non-volatile memory can include read-only memory (ROM), Programmable ROM (PROM), Electrically Programmable ROM (EPROM), Electrically Erasable Programmable ROM (EEPROM), or flash memory. Volatile memory can include Random Access Memory (RAM) or external cache memory. By way of illustration and not limitation, RAM is available in a variety of forms such as Static RAM (SRAM), Dynamic RAM (DRAM), Synchronous DRAM (SDRAM), Double Data Rate SDRAM (DDRSDRAM), Enhanced SDRAM (ESDRAM), Synchronous Link DRAM (SLDRAM), Rambus Direct RAM (RDRAM), direct bus dynamic RAM (DRDRAM), and memory bus dynamic RAM (RDRAM).
It will be apparent to those skilled in the art that, for convenience and brevity of description, only the above-mentioned division of the functional units and modules is illustrated, and in practical applications, the above-mentioned function distribution may be performed by different functional units and modules according to needs, that is, the internal structure of the apparatus is divided into different functional units or modules to perform all or part of the above-mentioned functions.
The above-mentioned embodiments are only used for illustrating the technical solutions of the present invention, and not for limiting the same; although the present invention has been described in detail with reference to the foregoing embodiments, it should be understood by those of ordinary skill in the art that: the technical solutions described in the foregoing embodiments may still be modified, or some technical features may be equivalently replaced; such modifications and substitutions do not substantially depart from the spirit and scope of the embodiments of the present invention, and are intended to be included within the scope of the present invention.

Claims (10)

1. A method for reducing vehicle rental overdue rate is characterized by comprising the following steps:
acquiring a slow lease application of a lessee;
judging whether the request for the slow lease is agreed according to the request for the slow lease, the vehicle driving data and a slow lease algorithm;
and under the condition of agreeing to the request for the slow lease, the lessee makes a payment according to the request for the slow lease.
2. The method for reducing vehicle rental overdue rate according to claim 1, wherein the request for rental includes reason for overdue and rental scheme;
the method for acquiring the request for the slow lease of the lessee comprises the following steps:
and acquiring the overdue reason and the lease-slowing scheme of the lessee.
3. The method for reducing the overdue rate of vehicle renting according to claim 2, wherein the step of judging whether to approve the request for the slow rental according to the request for the slow rental, vehicle driving data and a slow rental algorithm comprises the following steps:
judging whether the lease-postponed application meets a lease-postponed standard or not according to the lease-postponed application, the vehicle driving data and the lease-postponed algorithm;
and agreeing to the relet application on the premise that the relet application meets the relet standard.
4. The method for reducing vehicle rental overdue rate according to claim 3, wherein the vehicle driving data comprises vehicle GPS data and/or vehicle other data; the lease-deferral criteria include authenticity of the reason for overdue and repayment capability of the lessee;
the step of judging whether the relet application meets the relet standard according to the relet application, the vehicle driving data and the relet algorithm comprises the following steps:
verifying whether the reason for overdue conforms to authenticity of the reason for overdue according to the reason for overdue, the relegated algorithm, the vehicle GPS data and/or the vehicle other data.
5. The method of reducing vehicle rental overdue rate of claim 4, wherein the other vehicle data comprises sensed data, and the vehicle data obtained by the sensor is the sensed data.
6. The method for reducing the overdue rate of vehicle renting according to claim 4, wherein the step of judging whether the relegated application meets a relegated standard according to the relegated application, the vehicle driving data and the relegated algorithm further comprises the steps of:
and on the premise that the reason of overdue accords with the authenticity of the reason of overdue, judging whether the lease-slowing scheme accords with the repayment capability of the lessee.
7. The method for reducing the overdue rate of vehicle renting according to claim 6, wherein the step of judging whether the relegated application meets a relegated standard according to the relegated application, the vehicle driving data and the relegated algorithm further comprises the steps of:
and judging whether the lease-slowing scheme meets the repayment capacity of the lessee or not according to the lease-slowing scheme, the vehicle GPS data and the lease-slowing algorithm.
8. An apparatus for reducing vehicle rental overdue rate, comprising:
the system comprises a cache lease application acquisition module, a cache lease application acquisition module and a cache lease application processing module, wherein the cache lease application acquisition module is used for acquiring cache lease applications of tenants;
the system comprises a lease-postponing application judging module, a lease-postponing application determining module and a lease-postponing algorithm, wherein the lease-postponing application judging module is used for judging whether to approve the lease-postponing application according to the lease-postponing application, vehicle driving data and a lease-postponing algorithm;
and the lease-postponing application implementation module is used for paying by the lessee according to the lease-postponing application under the condition that the lease-postponing application is agreed.
9. A computer device comprising a memory, a processor and a computer program stored in the memory and executable on the processor, wherein the processor when executing the computer program performs the steps of the method of reducing vehicle rental overdue rate according to any of claims 1 to 7.
10. A computer-readable storage medium, in which a computer program is stored, which, when being executed by a processor, carries out the steps of the method of reducing vehicle rental overdue rate according to any one of claims 1 to 7.
CN202210444589.9A 2022-04-26 2022-04-26 Method, device, equipment and medium for reducing vehicle rental overdue rate Pending CN114820124A (en)

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Publication number Priority date Publication date Assignee Title
CN101447052A (en) * 2009-01-05 2009-06-03 阿里巴巴集团控股有限公司 Online credit loan system of deferred payment/installment and online credit loan method
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