CN106355504A - Financial products configuration device and method thereof - Google Patents
Financial products configuration device and method thereof Download PDFInfo
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- CN106355504A CN106355504A CN201610718756.9A CN201610718756A CN106355504A CN 106355504 A CN106355504 A CN 106355504A CN 201610718756 A CN201610718756 A CN 201610718756A CN 106355504 A CN106355504 A CN 106355504A
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Abstract
The embodiment of the invention comes up with a financial product configuration device and method thereof. The method comprises the steps of receiving an user's financial product configuration request containing a configured amount; allocating the configuration amount to each financial products proportionally to generate a predetermined number of financial product configuration combinations by constantly adjusting the ratio dynamically; based on the historical data and the amount corresponding to the ratio for each financial product configuration combination, determining a yield curve corresponding to the financial product configuration combination; recommending to the user, the financial product configuration request corresponding to the yield curve that can meet the financial product configuration request, thereby overcoming the deficiencies of the prior art, improving the recommended efficiency and yield.
Description
Technical field
The present invention relates to computer information processing field, particularly to a kind of financial product collocation method and equipment.
Background technology
In the prior art, developing rapidly with financial business, the complexity that financial product is constituted increasingly improves.Peace
Entirely, the customized customer demand such as income varies, the continuous aggravation of the market competition, so that product development cycle is constantly shortened, greatly
The wide model application in financial market of the simply extensive placement algorithm of amount, leads to the safety rentability of product to face huge choosing
War, lacks a set of scientific and effective financial product placement algorithm at present and carrys out raising efficiency.
Existing financial product manufacture lacks science, the support of systematic calculation method, leads to market product safety wind
Higher, the developing rapidly with domestic financial market in danger, common people's finance sense increasingly improves, and personalized customer demand is constantly gushed
Existing, single at present by simply calculating the result configuring out necessarily no science, systematic support.
Content of the invention
For defect of the prior art, the present invention proposes a kind of financial product collocation method and equipment, overcomes existing
Defect in technology.
Specifically, the present invention proposes embodiment in detail below:
The embodiment of the present invention proposes a kind of financial product collocation method, is applied to the history number of each financial product that is stored with
According to system in, comprising:
The financial product configuring request including the configuration amount of money of receive user；
The configuration amount of money is proportionally distributed to each financial product, and by constantly described ratio is entered with Mobile state adjustment,
Generate the financial product configuration combination of predetermined number；
Configure combination for each financial product, carried out based on the amount of money corresponding to described historical data and described ratio
Calculate, generate the yield curve of correspondence described financial product configuration combination；
The financial product configuring request meeting corresponding to the yield curve of financial product configuring request is recommended described use
Family.
Preferably, described financial product specifically includes: stock class assets, bond class assets, mixed type fund, cash class money
Produce, liquidate financial product；Wherein, different financial products is to should have different risks and income；
Described, the configuration amount of money is proportionally distributed to each financial product, and by constantly Mobile state being entered to described ratio
Adjustment, before generating the financial product configuration combination of predetermined number, also includes:
Based on risk is minimum and/or income highest principle determines the ratio of the configuration amount of money distributing to each financial product.
Preferably, described configuration for each financial product is combined, right based on described historical data and described ratio institute
The amount of money answered is calculated, and generates the yield curve of correspondence described financial product configuration combination；Specifically include:
Determine earning rate and the stability bandwidth of each described financial product based on the historical data of each described financial product；
Configure combination, the receipts based on the amount of money corresponding to described ratio, each described financial product for each financial product
Beneficial rate and stability bandwidth are calculated, and determine the Income Maximum value of correspondence described financial product configuration combination, income minima and
Income intermediate value；
Based on a determination that Income Maximum value, income minima and income intermediate value generate correspondence described financial product configuration
The yield curve of combination.
Preferably, described each financial product includes multiple sub- financial products；
Described earning rate and the stability bandwidth determining each described financial product based on the historical data of each described financial product,
Specifically include:
For each financial product, obtain the historical data of the multiple sub- financial product included by described financial product；
Determine earning rate and the ripple of the historical data of multiple sub- financial products based on the historical data of multiple sub- financial products
Dynamic rate；
Stochastic sampling is carried out to the earning rate and stability bandwidth of the historical data of multiple sub- financial products, by the sampling getting
Data is set to earning rate and the stability bandwidth of described financial product.
Preferably, prospective earnings and time requirement are also included in described financial product configuring request；
Described institute is recommended in the financial product configuration combination meeting corresponding to the yield curve of financial product configuring request
State user, specifically include:
Screening meets the yield curve of prospective earnings and time requirement in financial product configuring request；
Determine that described user is recommended in the filtered out financial product configuration combination corresponding to yield curve.
The embodiment of the present invention also proposed a kind of financial product configuration equipment, is applied to the history of each financial product that is stored with
In the system of data, comprising:
Receiver module, for the financial product configuring request including the configuration amount of money of receive user；
Configuration module, for proportionally distributing to each financial product by the configuration amount of money, and by constantly to described ratio
Enter Mobile state adjustment, generate the financial product configuration combination of predetermined number；
Generation module, for configuring combination for each financial product, based on described historical data and described ratio institute
The corresponding amount of money is calculated, and generates the yield curve of correspondence described financial product configuration combination；
Recommending module, for meeting the financial product configuring request corresponding to the yield curve of financial product configuring request
Recommend described user.
Preferably, described financial product specifically includes: stock class assets, bond class assets, mixed type fund, cash class money
Produce, liquidate financial product；Wherein, different financial products is to should have different risks and income；
Described financial product configuration equipment also includes:
Determining module, for based on risk is minimum and/or income highest principle determines and distributes to joining of each financial product
Put the ratio of the amount of money.
Preferably, described generation module, specifically for:
Determine earning rate and the stability bandwidth of each described financial product based on the historical data of each described financial product；
Configure combination, the receipts based on the amount of money corresponding to described ratio, each described financial product for each financial product
Beneficial rate and stability bandwidth are calculated, and determine the Income Maximum value of correspondence described financial product configuration combination, income minima and
Income intermediate value；
Based on a determination that Income Maximum value, income minima and income intermediate value generate correspondence described financial product configuration
The yield curve of combination.
Preferably, described each financial product includes multiple sub- financial products；
Described generation module based on the historical data of each described financial product determine the earning rate of each described financial product with
And stability bandwidth, specifically include:
For each financial product, obtain the historical data of the multiple sub- financial product included by described financial product；
Determine earning rate and the ripple of the historical data of multiple sub- financial products based on the historical data of multiple sub- financial products
Dynamic rate；
Stochastic sampling is carried out to the earning rate and stability bandwidth of the historical data of multiple sub- financial products, by the sampling getting
Data is set to earning rate and the stability bandwidth of described financial product.
Preferably, prospective earnings and time requirement are also included in described financial product configuring request；
Described recommending module, specifically for:
Screening meets the yield curve of prospective earnings and time requirement in financial product configuring request；
Determine that described user is recommended in the filtered out financial product configuration combination corresponding to yield curve.
Compared with prior art, the embodiment of the present invention proposes a kind of financial product collocation method and equipment, the wherein party
Method includes: the financial product configuring request including the configuration amount of money of receive user；The configuration amount of money is proportionally distributed to respectively
Financial product, and by constantly described ratio is entered with Mobile state adjustment, generate the financial product configuration combination of predetermined number；For
The configuration combination of each financial product, is calculated based on the amount of money corresponding to described historical data and described ratio, it is right to generate
The yield curve combining should be configured by described financial product；The finance corresponding to the yield curve of financial product configuring request will be met
Described user is recommended in products configuration request.Defect of the prior art is overcome with this, improves efficiency and the receipts of recommendation
Beneficial rate.
Brief description
A kind of schematic flow sheet of financial product collocation method that Fig. 1 proposes for the embodiment of the present invention；
A kind of schematic diagram of allocation proportion that Fig. 1 a proposes for the embodiment of the present invention；
A kind of schematic diagram of yield curve that Fig. 1 b proposes for the embodiment of the present invention；
A kind of financial product that Fig. 2 proposes for the embodiment of the present invention configures the structural representation of equipment.
Specific embodiment
For defect of the prior art, the present invention proposes a kind of financial product collocation method and equipment, overcomes existing
Defect in technology.
Specifically, the present invention proposes embodiment in detail below:
Embodiment 1
The embodiment of the present invention 1 proposes a kind of financial product collocation method, is applied to the history of each financial product that is stored with
In the system of data, specifically, as shown in Figure 1, comprising:
Step 101, the financial product configuring request including the configuration amount of money of receive user；
Specifically, the configuration amount of money namely user's preparation input, for example, 1,000,000.
Step 102, the configuration amount of money is proportionally distributed to each financial product, and by constantly entering to take action to described ratio
State adjusts, and generates the financial product configuration combination of predetermined number；
And specifically pro rate has following steps to determine:
Described financial product specifically includes: stock class assets, bond class assets, mixed type fund, cash class assets, liquidates
Financial product；Wherein, different financial products is to should have different risks and income；Specifically, that is to say the big class being directed to
Assets.
Described, the configuration amount of money is proportionally distributed to each financial product, and by constantly Mobile state being entered to described ratio
Adjustment, before generating the financial product configuration combination of predetermined number, also includes:
Based on risk is minimum and/or income highest principle determines the ratio of the configuration amount of money distributing to each financial product.
So, fund can be distributed effectively in different types of assets, build and reach enhancing investment combination remuneration
With the asset portfolio controlled risk.Reasonable disposition big class assets, optimize assets distribution, optimization asset portfolio structure.Such as one
Planting specific financial product configuration combination can be as shown in Figure 1a.
Step 103, for each financial product configuration combination, based on corresponding to described historical data and described ratio
The amount of money is calculated, and generates the yield curve of correspondence described financial product configuration combination.
Described configuration for each financial product is combined, based on the amount of money corresponding to described historical data and described ratio
Calculated, generated the yield curve of correspondence described financial product configuration combination；Specifically include:
Step a, determine earning rate and the fluctuation of each described financial product based on the historical data of each described financial product
Rate；
Step b, for each financial product configuration combination, based on the amount of money corresponding to described ratio, each described finance produce
The earning rate of product and stability bandwidth are calculated, and determine the Income Maximum value of correspondence described financial product configuration combination, and income is minimum
Value and income intermediate value；
Step c based on a determination that Income Maximum value, income minima and income intermediate value generate the described finance of correspondence and produce
The yield curve of product configuration combination.Specifically, the yield curve of generation can be as shown in Figure 1 b.
Specifically it is contemplated that the time range corresponding to data comprising in historical data is possibly very big, and lead to
Actual reference value less, therefore in order to improve reference value, can select the historical data in preset time range to carry out
Analysis, such as historical data of financial product in the historical data of the financial product of nearest 1 year, or 2 years etc., specifically
Can be flexibly set based on needs.
Specifically it is contemplated that described each financial product includes multiple sub- financial products；
Therefore above-mentioned steps a namely the income determining each described financial product based on the historical data of each described financial product
Rate and stability bandwidth, specifically include:
For each financial product, obtain the historical data of the multiple sub- financial product included by described financial product；
Determine earning rate and the ripple of the historical data of multiple sub- financial products based on the historical data of multiple sub- financial products
Dynamic rate；
Stochastic sampling is carried out to the earning rate and stability bandwidth of the historical data of multiple sub- financial products, by the sampling getting
Data is set to earning rate and the stability bandwidth of described financial product.
Earning rate and the stability bandwidth that can represent financial product is got in the way of this is by stochastic sampling.
Step 104, the financial product configuring request meeting corresponding to the yield curve of financial product configuring request is recommended
To described user.
Specifically it is contemplated that also including prospective earnings and time requirement in described financial product configuring request；
Therefore specific step 104, namely described will meet the gold corresponding to the yield curve of financial product configuring request
Melt products configuration combined recommendation to described user, specifically include:
Screening meets the yield curve of prospective earnings and time requirement in financial product configuring request；
Determine that described user is recommended in the filtered out financial product configuration combination corresponding to yield curve.
Specific it is contemplated that income is then the corresponding income configuring the amount of money, this income can be percentage ratio, such as income needs
Reach 15%, or be also the amount of money, for example, put into 1,000,000, need the fund obtaining including capital to be 1,200,000, the time
Require to be then the requirement of corresponding investment time, for example taking seeking time is 8 months etc..Additionally, removing in financial product configuring request
The configuration amount of money, and beyond prospective earnings, it is also provided with other requirements, such as risk probability etc., user is permissible
Based on oneself need carry out personalized customization.
With this, the yield curve meeting prospective earnings and time requirement in financial product configuring request can be with an example
Son illustrating, for example: wealth target is 800,000 yuan, initial outlay is 700,000 yuan, and the investment time limit is 18 months, by above-mentioned
Step dynamically adjusts all kinds of Asset Allocation ratios (as stock class assets, bond class assets, cash class assets etc.), according to all kinds of moneys
The earning rate produced and stability bandwidth, are repeatedly simulated by algorithm, calculate the investment objective and reach probability curve diagram.Specifically for example,
Within the time of 18 months, the financial product configuration reaching target is combined as stock class assets, bond class assets, cash class assets
Ratio be 1:1:2, and this financial product configuration combination the investment objective reach probability be the 89% (gold of the configuration of other ratios
Melting the investment objective of products configuration combination, to reach probability all little than 89%), probability highest, then the configuration combination of this financial product is pushed away
Recommend to user.
Specifically, also choose two financial product configuration combinations or the financial product configuration combination of other quantity is recommended
User, taking two as a example, for example, can also choose the investment objective and reach the high financial product configuration group of probability second and unify and push away
Recommend to user.
The embodiment of the present invention proposes a kind of financial product collocation method, comprising: receive user include the configuration amount of money
Financial product configuring request；The configuration amount of money is proportionally distributed to each financial product, and by constantly entering to described ratio
Mobile state adjusts, and generates the financial product configuration combination of predetermined number；Configure combination for each financial product, gone through based on described
The amount of money corresponding to history data and described ratio is calculated, and the income generating correspondence described financial product configuration combination is bent
Line；The financial product configuring request meeting corresponding to the yield curve of financial product configuring request is recommended described user.With
This overcomes defect of the prior art, improves efficiency and the earning rate of recommendation.
Embodiment 2
The embodiment of the present invention 2 also proposed a kind of financial product configuration equipment, the going through of each financial product that is applied to be stored with
In the system of history data, include as shown in Figure 2:
Receiver module 201, for the financial product configuring request including the configuration amount of money of receive user；
Configuration module 202, for proportionally distributing to each financial product by the configuration amount of money, and by constantly to described ratio
Example enters Mobile state adjustment, generates the financial product configuration combination of predetermined number；
Generation module 203, for configuring combination for each financial product, based on described historical data and described ratio
The corresponding amount of money is calculated, and generates the yield curve of correspondence described financial product configuration combination；
Recommending module 204, for meeting the financial product configuration corresponding to the yield curve of financial product configuring request
Described user is recommended in request.
Specifically, described financial product specifically includes: stock class assets, bond class assets, mixed type fund, cash class money
Produce, liquidate financial product；Wherein, different financial products is to should have different risks and income；
Described financial product configuration equipment also includes:
Determining module, for based on risk is minimum and/or income highest principle determines and distributes to joining of each financial product
Put the ratio of the amount of money.
Specifically, described generation module 203, specifically for:
Determine earning rate and the stability bandwidth of each described financial product based on the historical data of each described financial product；
Configure combination, the receipts based on the amount of money corresponding to described ratio, each described financial product for each financial product
Beneficial rate and stability bandwidth are calculated, and determine the Income Maximum value of correspondence described financial product configuration combination, income minima and
Income intermediate value；
Based on a determination that Income Maximum value, income minima and income intermediate value generate correspondence described financial product configuration
The yield curve of combination.
Specifically, described each financial product includes multiple sub- financial products；
Described generation module based on the historical data of each described financial product determine the earning rate of each described financial product with
And stability bandwidth, specifically include:
For each financial product, obtain the historical data of the multiple sub- financial product included by described financial product；
Determine earning rate and the ripple of the historical data of multiple sub- financial products based on the historical data of multiple sub- financial products
Dynamic rate；
Stochastic sampling is carried out to the earning rate and stability bandwidth of the historical data of multiple sub- financial products, by the sampling getting
Data is set to earning rate and the stability bandwidth of described financial product.
Specifically, prospective earnings and time requirement are also included in described financial product configuring request；
Described recommending module 204, specifically for:
Screening meets the yield curve of prospective earnings and time requirement in financial product configuring request；
Determine that described user is recommended in the filtered out financial product configuration combination corresponding to yield curve.
Compared with prior art, the embodiment of the present invention proposes a kind of financial product collocation method and equipment, the wherein party
Method includes: the financial product configuring request including the configuration amount of money of receive user；The configuration amount of money is proportionally distributed to respectively
Financial product, and by constantly described ratio is entered with Mobile state adjustment, generate the financial product configuration combination of predetermined number；For
The configuration combination of each financial product, is calculated based on the amount of money corresponding to described historical data and described ratio, it is right to generate
The yield curve combining should be configured by described financial product；The finance corresponding to the yield curve of financial product configuring request will be met
Described user is recommended in products configuration request.Defect of the prior art is overcome with this, improves efficiency and the receipts of recommendation
Beneficial rate.
It will be appreciated by those skilled in the art that accompanying drawing is a schematic diagram being preferable to carry out scene, the module in accompanying drawing or
Flow process is not necessarily implemented necessary to the present invention.
It will be appreciated by those skilled in the art that module in device in implement scene can according to implement scene describe into
Row is distributed in the device of implement scene it is also possible to carry out one or more dresses that respective change is disposed other than this implement scene
In putting.The module of above-mentioned implement scene can merge into a module it is also possible to be further split into multiple submodule.
The invention described above sequence number is for illustration only, does not represent the quality of implement scene.
Only the several of the present invention disclosed above are embodied as scene, but, the present invention is not limited to this, Ren Heben
What the technical staff in field can think change all should fall into protection scope of the present invention.
Claims (10)
1. a kind of financial product collocation method is it is characterised in that be applied to the system of the historical data of each financial product that is stored with
In, comprising:
The financial product configuring request including the configuration amount of money of receive user；
The configuration amount of money is proportionally distributed to each financial product, and by constantly described ratio is entered with Mobile state adjustment, generates
The financial product configuration combination of predetermined number；
Configure combination for each financial product, counted based on the amount of money corresponding to described historical data and described ratio
Calculate, generate the yield curve of correspondence described financial product configuration combination；
The financial product configuring request meeting corresponding to the yield curve of financial product configuring request is recommended described user.
2. financial product collocation method as claimed in claim 1 is it is characterised in that described financial product specifically includes: stock
Class assets, bond class assets, mixed type fund, cash class assets, liquidate financial product；Wherein, different financial products corresponds to
There are different risks and income；
Described, the configuration amount of money is proportionally distributed to each financial product, and adjusted by constantly described ratio is entered with Mobile state
Whole, before generating the financial product configuration combination of predetermined number, also include:
Based on risk is minimum and/or income highest principle determines the ratio of the configuration amount of money distributing to each financial product.
3. financial product collocation method as claimed in claim 1 it is characterised in that described for each financial product configuration group
Close, calculated based on the amount of money corresponding to described historical data and described ratio, generate correspondence described financial product configuration
The yield curve of combination；Specifically include:
Determine earning rate and the stability bandwidth of each described financial product based on the historical data of each described financial product；
Configure combination, the earning rate based on the amount of money corresponding to described ratio, each described financial product for each financial product
Calculated with stability bandwidth, determined Income Maximum value, income minima and the income of correspondence described financial product configuration combination
Intermediate value；
Based on a determination that Income Maximum value, income minima and income intermediate value generate correspondence described financial product configuration combination
Yield curve.
4. financial product collocation method as claimed in claim 3 is it is characterised in that described each financial product includes many height
Financial product；
Described earning rate and the stability bandwidth determining each described financial product based on the historical data of each described financial product, specifically
Including:
For each financial product, obtain the historical data of the multiple sub- financial product included by described financial product；
Determine earning rate and the stability bandwidth of the historical data of multiple sub- financial products based on the historical data of multiple sub- financial products；
Stochastic sampling is carried out to the earning rate and stability bandwidth of the historical data of multiple sub- financial products, by the sampled data getting
It is set to earning rate and the stability bandwidth of described financial product.
5. financial product collocation method as claimed in claim 1 is it is characterised in that also wrap in described financial product configuring request
Containing prospective earnings and time requirement；
Described described use is recommended in the financial product configuration combination meeting corresponding to the yield curve of financial product configuring request
Family, specifically includes:
Screening meets the yield curve of prospective earnings and time requirement in financial product configuring request；
Determine that described user is recommended in the filtered out financial product configuration combination corresponding to yield curve.
6. a kind of financial product configuration equipment is it is characterised in that be applied to the system of the historical data of each financial product that is stored with
In, comprising:
Receiver module, for the financial product configuring request including the configuration amount of money of receive user；
Configuration module, for proportionally distributing to each financial product by the configuration amount of money, and by constantly carrying out to described ratio
The dynamic financial product configuration combination adjusting, generating predetermined number；
Generation module, for configuring combination for each financial product, based on corresponding to described historical data and described ratio
The amount of money calculated, generate the yield curve of correspondence described financial product configuration combination；
Recommending module, for recommending the financial product configuring request meeting corresponding to the yield curve of financial product configuring request
To described user.
7. financial product configuration equipment as claimed in claim 6 is it is characterised in that described financial product specifically includes: stock
Class assets, bond class assets, mixed type fund, cash class assets, liquidate financial product；Wherein, different financial products corresponds to
There are different risks and income；
Described financial product configuration equipment also includes:
Determining module, for based on risk is minimum and/or income highest principle determines the configuration gold distributing to each financial product
The ratio of volume.
8. financial product as claimed in claim 6 configuration equipment is it is characterised in that described generation module, specifically for:
Determine earning rate and the stability bandwidth of each described financial product based on the historical data of each described financial product；
Configure combination, the earning rate based on the amount of money corresponding to described ratio, each described financial product for each financial product
Calculated with stability bandwidth, determined Income Maximum value, income minima and the income of correspondence described financial product configuration combination
Intermediate value；
Based on a determination that Income Maximum value, income minima and income intermediate value generate correspondence described financial product configuration combination
Yield curve.
9. financial product configuration equipment as claimed in claim 8 is it is characterised in that described each financial product includes many height
Financial product；
Described generation module determines earning rate and the ripple of each described financial product based on the historical data of each described financial product
Dynamic rate, specifically includes:
For each financial product, obtain the historical data of the multiple sub- financial product included by described financial product；
Determine earning rate and the stability bandwidth of the historical data of multiple sub- financial products based on the historical data of multiple sub- financial products；
Stochastic sampling is carried out to the earning rate and stability bandwidth of the historical data of multiple sub- financial products, by the sampled data getting
It is set to earning rate and the stability bandwidth of described financial product.
10. financial product configuration equipment as claimed in claim 6 is it is characterised in that go back in described financial product configuring request
Include prospective earnings and time requirement；
Described recommending module, specifically for:
Screening meets the yield curve of prospective earnings and time requirement in financial product configuring request；
Determine that described user is recommended in the filtered out financial product configuration combination corresponding to yield curve.
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