CN-121981666-A - Information processing method and device, electronic equipment and storage medium

CN121981666ACN 121981666 ACN121981666 ACN 121981666ACN-121981666-A

Abstract

The invention provides an information processing method and device, electronic equipment and a storage medium, which relate to the technical field of data processing, acquire business declaration information on line, automatically check and examine the information based on preset business rules, and drive the information to circulate at different authority levels to examine nodes and dynamically update statistical parameters, and integrate data to generate a multidimensional report and automatically output a business analysis report, so that the problems of low information acquisition efficiency, high error rate, long approval period and no decision data support caused by relying on paper declaration manual entry and verification, off-line approval non-authority distinction and information island, lack of digital intelligent support in the prior art can be solved, and the technical effects of improving information acquisition accuracy and approval efficiency, realizing approval process visualization and authority management and control, providing data support for business decisions, and pushing on-line intellectualization of land hosting business are achieved.

Inventors

QIAO GUANFENG
WU JING
YIN HONG
WANG XIAOLONG
DENG LU

Assignees

中国建设银行股份有限公司河北省分行

Dates

Publication Date: 20260505
Application Date: 20251217

Claims (10)

1. An information processing method, characterized by comprising: Acquiring business reporting information submitted by a user through an online reporting system, wherein the business reporting information comprises structural information extracted from a certificate image through an image recognition technology and business parameters input or selected by the user; Based on a preset business rule, carrying out automatic verification and logic examination on the structured information and the business parameters; Driving the business declaration information to circulate among audit nodes with different authority levels according to the verification and audit results, and dynamically updating statistical parameters related to the business based on the circulation process and result data; And integrating data from each auditing node and reporting links, generating a multidimensional service statistical report, and automatically generating a service analysis report based on the report data.
2. The method of claim 1, wherein the obtaining the business reporting information submitted by the user through the online reporting system comprises: Receiving a certificate image uploaded by a user, and calling an artificial intelligent recognition model to process the certificate image so as to extract structured text data containing enterprise identity information and legal representative identity information; business parameters related to loans and land hosting, which are selected or directly input by the user from preset options, are received.
3. The method of claim 2, wherein automatically verifying and logically inspecting the structured information and the service parameters based on a preset service rule comprises: Performing association verification on the extracted enterprise identity information and an external enterprise credit database to verify the consistency of the information; and carrying out semantic matching analysis on the managed crop type in the business parameters and the enterprise operation range acquired according to the enterprise identity information so as to judge the business compliance.
4. The method of claim 1, wherein driving the business reporting information to be circulated between audit nodes having different authority levels based on the verification and audit results comprises: if the automatic check and the logic examination find inconsistent or non-compliance problems, automatically generating a reject instruction and feeding back the reject instruction to a submitting node; and if the verification and the examination are passed, automatically pushing the business declaration information and the auxiliary materials to the node with the next order examination authority.
5. The method of claim 1, wherein generating a multi-dimensional business statistics report and automatically generating a business analysis report based on report data comprises: Carrying out aggregation calculation on the hosting area, the loan deposit amount and the task completion index based on the time sequence, and generating a statistical report with a periodic dimension; And calling a natural language generation model, and carrying out trend analysis and attribution analysis based on the data in the statistical report to generate a business analysis report containing text description and conclusion.
6. The method as recited in claim 1, further comprising: encrypting the sensitive information transmitted and stored in the system; and configuring access and operation authority of the user to the service data according to the organization and responsibility roles of the user.
7. An information processing apparatus, characterized by comprising: The system comprises an acquisition unit, a service reporting unit and a service processing unit, wherein the acquisition unit is used for acquiring service reporting information submitted by a user through an online reporting system, and the service reporting information comprises structural information extracted from a certificate image through an image recognition technology and service parameters input or selected by the user; The verification unit is used for carrying out automatic verification and logic examination on the structured information and the service parameters based on a preset service rule; The updating unit is used for driving the business declaration information to circulate among audit nodes with different authority levels according to the verification and audit results, and dynamically updating statistical parameters related to the business based on the circulation process and result data; and the generating unit is used for integrating the data from each auditing node and the reporting link, generating a multidimensional service statistical report, and automatically generating a service analysis report based on the report data.
8. An electronic device, comprising: at least one processor, and A memory communicatively coupled to the at least one processor, wherein, The memory stores instructions executable by the at least one processor to enable the at least one processor to perform the method of any one of claims 1-6.
9. A non-transitory computer readable storage medium storing computer instructions for causing the computer to perform the method of any one of claims 1-6.
10. A computer program product comprising a computer program which, when executed by a processor, implements the method according to any of claims 1-6.

Description

Information processing method and device, electronic equipment and storage medium Technical Field The disclosure relates to the technical field of data processing, and in particular relates to an information processing method and device, electronic equipment and a storage medium. Background The land hosting business is a core plate in the rural financial field, is deeply integrated into a bank credit management flow, and is constructed into a business system by early dependence on paper reporting, manual verification and off-line approval, and covers a full link from customer information acquisition to provincial and branch multi-level approval, but as rural land circulation scale is expanded, the business relates to multi-dimensional structured data such as enterprise qualification, crop hosting and the like, and the traditional processing mode is difficult to adapt to business development requirements. The current business processing has obvious limitations that firstly, the information acquisition efficiency is low and the error rate is up to 15% due to paper filling and manual checking, secondly, information islands are formed by three-level approval line downflows, visual tracking and authority distinction are not available, the approval period is prolonged by more than 60%, and thirdly, the capability of large data cloud information back display and intelligent report is lacked, and decision support is not available. These problems increase the cost of banks, easily cause credit risks, and restrict the online and intelligent development of business. Disclosure of Invention The disclosure provides an information processing method and device, electronic equipment and a storage medium. The main purpose is to solve at least one of the technical problems in the related art to a certain extent. According to a first aspect of the present disclosure, there is provided an information processing method including: Acquiring business reporting information submitted by a user through an online reporting system, wherein the business reporting information comprises structural information extracted from a certificate image through an image recognition technology and business parameters input or selected by the user; Based on a preset business rule, carrying out automatic verification and logic examination on the structured information and the business parameters; Driving the business declaration information to circulate among audit nodes with different authority levels according to the verification and audit results, and dynamically updating statistical parameters related to the business based on the circulation process and result data; And integrating data from each auditing node and reporting links, generating a multidimensional service statistical report, and automatically generating a service analysis report based on the report data. Optionally, the acquiring the service declaration information submitted by the user through the online declaration system includes: Receiving a certificate image uploaded by a user, and calling an artificial intelligent recognition model to process the certificate image so as to extract structured text data containing enterprise identity information and legal representative identity information; business parameters related to loans and land hosting, which are selected or directly input by the user from preset options, are received. Optionally, the automatically verifying and logically inspecting the structured information and the service parameters based on the preset service rule includes: Performing association verification on the extracted enterprise identity information and an external enterprise credit database to verify the consistency of the information; and carrying out semantic matching analysis on the managed crop type in the business parameters and the enterprise operation range acquired according to the enterprise identity information so as to judge the business compliance. Optionally, driving the business reporting information to circulate between audit nodes with different authority levels according to the verification and audit results includes: if the automatic check and the logic examination find inconsistent or non-compliance problems, automatically generating a reject instruction and feeding back the reject instruction to a submitting node; and if the verification and the examination are passed, automatically pushing the business declaration information and the auxiliary materials to the node with the next order examination authority. Optionally, the generating the multidimensional service statistical report and automatically generating the service analysis report based on report data includes: Carrying out aggregation calculation on the hosting area, the loan deposit amount and the task completion index based on the time sequence, and generating a statistical report with a periodic dimension; And calling a natural language generation model, and carrying out trend