CN106530081A - Yield calculation method, system and financial asset transfer transaction system - Google Patents
Yield calculation method, system and financial asset transfer transaction system Download PDFInfo
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- CN106530081A CN106530081A CN201610934486.5A CN201610934486A CN106530081A CN 106530081 A CN106530081 A CN 106530081A CN 201610934486 A CN201610934486 A CN 201610934486A CN 106530081 A CN106530081 A CN 106530081A
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Abstract
The invention provides a yield calculation method. According to the method, according to the historical transaction record of a seller customer on the financial asset, the average cost of the financial asset is calculated during each customer transaction process through the recursive manner. In this way, the cost of the financial asset is accurately calculated and the amount of calculation is reduced. Meanwhile, the annual yield of the seller customer is calculated more accurately. For a buyer customer, an approximate annual yield interval is provided and a precise annual yield is also provided through identifying the information of the buyer customer. Based on the method, during the transaction process of the seller customer and the buyer customer, the respective yields of the two parties are more accurately obtained. A reasonable expectant yield is provided for the transaction of the financial asset, so that the success rate of the transaction is improved. The invention also provides a financial asset transfer transaction system. Based on the system, the financial asset transfer transaction is fully completed in the automated and on-line manner, and is free from being limited by the time and the territory. As a result, customers can conveniently, safely, freely and efficiently conduct the transfer transaction of the financial asset, so that the flowability of the financial asset is improved.
Description
Technical field
The present invention relates to the hardware and software platform transfer transaction field of financial asset, more particularly, to a kind of earning rate calculating side
Method, system and financial asset transfer transaction system.
Background technology
With expanding economy, people are increasingly paid close attention to Investment ＆ Financing, the various throwings with bank financial product as representative
Money type of financial assets flourish, and increasing people is invested to various financial assets.
As the species of financial asset is more and more diversified, and financial institution is to the sale of financial asset also increasingly spirit
It is living.For same financial asset, share that client holds financial asset is how many, the grade of client and client location all
It is possible to affect the earning rate of this kind of financial asset, but existing financial institution is typically provided only to client one probably
Earning rate, with transfer and purchase of the client to financial asset, the costs and benefits rate of the financial asset that client holds all can
Change therewith, the earning rate for calculating of existing earning rate computational methods is with the error of the earning rate of reality with financial asset
Transaction it is increasing, far can not meet the requirement of client.
Meanwhile, the existing financial asset that can be transferred the possession of in the closing phase also can only be transferred the possession of as follows：Gold
The seller that financing is produced needs voluntarily to contact buyer, completes transferring accounts for transaction funds, then apply to the publisher of financial asset under line
Financial asset is transferred ownership to assignee, the transfer transaction of financial asset is completed.This transfer way to financial asset is to the seller
Requirement it is higher, often no energy searches out suitable buyer to normal client, and the nontransaction transfer of financial asset is often
Higher mandate is needed just to handle, in some instances it may even be possible to not open to the outside world, cause the transfer transaction of financial asset to be difficult to complete.Due to
The transfer way of this financial asset, using self-clearing under line, is not the pattern of " collect on delivery and collect on delivery ", and without power
The third party of prestige goes bail for, and makes the transfer way of this financial asset there is larger transaction risk.Therefore, existing financial asset turns
Allow mode to be difficult to smoothly complete transfer transaction, cause the mobility of financial asset poor.
The content of the invention
In view of this, this application provides a kind of earning rate computational methods, system and financial asset transfer transaction system, carry
The high computational accuracy of seller client and buy-side client earning rate, is difficult to the transfer transaction for solving financial asset in prior art
Complete, the problem of financial asset poor fluidity, facilitate client secure, freedom, the transfer transaction for efficiently carrying out financial asset, from
And improve the mobility of financial asset.Technical scheme is as follows：
A kind of earning rate computational methods, methods described are applied to earning rate computing system, and methods described includes：
Obtain the transaction unit price of seller client financial asset information and the financial asset to be transferred the possession of；
Obtain historical transaction record of the seller client to the financial asset, calculate the financial asset average unit cost and
Average investment natural law；
Average unit cost, average investment natural law, univalent and single part of transaction according to the financial asset sells the fee, calculates
The year earning rate of the seller client；
According to the transaction unit price for selling the financial asset in commission, trade share, earning rate interval, remaining investment day
Number and buy-side client need the fee for paying, and calculate the Nian Hua earning rates area of the buy-side client after the purchase financial asset
Between；
Before buy-side client initiates buy orders, buy-side client information is read；
According to the customer grade in the buy-side client information, location and hold the number of the financial asset, really
The fixed buy-side client buys the earning rate of the financial asset, and after calculating the buy-side client purchase financial asset
Accurate year earning rate.
Preferably, the acquisition historical transaction record of the seller client to the financial asset, calculates the financial asset
Average unit cost and average investment natural law, including：
According to the former average unit cost of financial asset, original described in the historical transaction record of the financial asset hold share,
The amount of money is bought in, the fee is bought in and newly holds share, the average unit cost of the financial asset is calculated；
According to the investment time of per part of financial asset, per part of gold in the historical transaction record of the financial asset
Investment amount and the investment total amount of the financial asset that financing is produced, calculate the average investment natural law of the financial asset.
Preferably, methods described also includes：
After the transfer transaction success of the financial asset, according to the transaction of financial asset unit price, trade share and
Buy-side client needs the fee for paying, and calculates the cost of the financial asset, and using the cost as the buy-side client
The former average unit cost for holding the financial asset is preserved.
A kind of earning rate computing system, the system include：
Acquiring unit, for obtaining the trading card of seller client financial asset information to be transferred the possession of and the financial asset
Valency；
First computing unit, for obtaining historical transaction record of the seller client to the financial asset, calculates the gold
Average unit cost and average investment natural law that financing is produced；
Second computing unit, for the average unit cost according to the financial asset, average investment natural law, transaction unit price and list
Part sells the fee, calculates the year earning rate of the seller client；
3rd computing unit, for according to the transaction unit price for selling the financial asset in commission, trade share, income
Rate is interval, the fee that remaining investment natural law and buy-side client needs pay, and calculates the buyer after the purchase financial asset
The year earning rate of client is interval；
Reading unit, for, before buy-side client initiates buy orders, reading buy-side client information；
4th computing unit, for according to the customer grade in the buy-side client information, location and described in holding
The number of financial asset, determines that the buy-side client buys the earning rate of the financial asset, and calculates the buy-side client purchase
Buy the accurate year earning rate after the financial asset.
Preferably, first computing unit includes：
First computation subunit, for Yuanping City of financial asset described in the historical transaction record according to the financial asset
Cost, original are held share, buy in the amount of money, buy in the fee and newly hold share, calculate the average unit cost of the financial asset；
Second computation subunit, for per part of financial asset in the historical transaction record according to the financial asset
The investment total amount of investment time, the investment amount of per part of financial asset and the financial asset, calculates the finance money
The average investment natural law of product.
Preferably, the system also includes：
5th computing unit, for after transfer transaction success when the financial asset, according to the friendship of the financial asset
Easily unit price, trade share and buy-side client need the fee for paying, and calculate the cost of the financial asset, and by the cost
The former average unit cost for holding the financial asset as the buy-side client is preserved.
A kind of financial asset transfer transaction system, the system include：
Client, for receiving the commission of selling of seller client initiation, and sells the relevant information of commission described in showing；Connect
Receive the buy orders that buy-side client is initiated；Show process of exchange relevant information, seller client year earning rate and buyer it is objective
The year earning rate at family is interval；
Above-mentioned earning rate computing system；
Order matching unit is transferred the possession of, for entrusting the buy orders with buy-side client to carry out respectively selling for seller client
Preserve, and sold described commission and matched with the buy orders by preset rules, generate transaction record and by the friendship
Easily record is preserved；
Transaction funds clear unit, for connecting various payment channels, according to the transaction record and the transaction record
Corresponding seller client and the fund account information of buy-side client, select corresponding payment channel, handle automatically the buyer visitor
Transferred account service from family to the seller client and deduct the fee；
Financial asset completes a business transaction unit, for connecting various financial asset registration system servers, as buyer visitor
Family according to the transaction record, connects corresponding financial asset registration to after the completion of the transferred account service of the seller client
The financial asset transfer of the seller client is completed the financial asset to the buy-side client by system server automatically
Transfer transaction.
Preferably, the transfer order matching unit includes：
Subelement is preserved, for the relevant information for selling commission is preserved selling into data base in the form of fields
Go out in commission table, and the relevant information of the buy orders is preserved buy orders table into data base in the form of fields
In；
Coupling subelement, for by it is described sell in commission table sell commission, with the buy orders table in it is described
Sell the corresponding buy orders initiated at first of commission to be matched, generate transaction record and the transaction record is preserved to number
According in the match information table in storehouse.
Preferably, the transaction funds clearance unit includes：
Judgment sub-unit, for the mandate according to buy-side client, draws or freezes the side of buyer's customer account by button
Formula, judges whether transaction funds clearance can be normally carried out；
Transfer accounts subelement, for when transaction funds clearance can be normally carried out, according to the transaction record and the friendship
The fund account information of corresponding seller client and buy-side client is easily recorded, corresponding payment channel is selected, handles automatically described
Transferred account service from buy-side client to the seller client and deduct the fee.
Preferably, the transfer order matching unit also includes：
Weight coupling subelement, for when the judgment sub-unit judges that transaction funds clearance cannot be normally carried out, deleting
Except corresponding transaction record, and sell commission and carry out with other buy orders by preset rules are corresponding to the transaction record
Match somebody with somebody.
Relative to prior art, beneficial effects of the present invention are as follows；
The earning rate computational methods that the present invention is provided, according to historical transaction record of the seller client to the financial asset,
The average unit cost of the financial asset is calculated in each client trading using recurrence formula method, this kind of computational methods can be accurate
Calculate the cost of financial asset and reduce amount of calculation, meanwhile, according to per part of gold in the historical transaction record of seller client
The investment total amount of investment time, the investment amount of per part of financial asset and the financial asset that financing is produced, calculates institute
The average investment natural law of financial asset is stated, the average investment natural law that this method is calculated is more accurate and easy to understand, because
This is according to the average unit cost of the financial asset, average investment natural law, that the fee is sold in univalent and single part of transaction is calculated
Yearization earning rate is more accurate；When buy-side client earning rate is calculated, in addition to a general year earning rate interval is provided, also
Identification buy-side client information after, according to customer grade, location and hold the financial asset number calculate described in buy
Square client buys the accurate year earning rate after the financial asset.The method that the present invention is provided makes seller client and buy-side client
Respective earning rate is obtained in process of exchange intuitively, the transaction to financial asset has a rational earning rate to be expected, and improves
The success rate of transaction.
Invention also provides financial asset transfer transaction system, makes selling for reception seller client initiation entrust and buy
The buy orders of square client's initiation, the transfer transaction for calculating buyer's earning rate and asked rate, brining financial asset together, transaction money
The transfer of transfer accounts clearance and the financial asset of gold is completed a business transaction and is completed on whole automatization's lines, is not limited by time and region, side
Just client secure, freedom, the transfer transaction for efficiently carrying out financial asset, improve the mobility of financial asset.
Description of the drawings
In order to be illustrated more clearly that the embodiment of the present invention or technical scheme of the prior art, below will be to embodiment or existing
Accompanying drawing to be used needed for having technology description is briefly described, it should be apparent that, drawings in the following description are only this
Inventive embodiment, for those of ordinary skill in the art, on the premise of not paying creative work, can be with basis
The accompanying drawing of offer obtains other accompanying drawings.
Fig. 1 is a kind of earning rate computational methods flow chart disclosed by the invention；
Fig. 2 is a kind of another method flow diagram of earning rate computational methods disclosed by the invention；
Fig. 3 is a kind of earning rate computing system structural representation disclosed by the invention；
Fig. 4 is another kind of earning rate computing system structural representation disclosed by the invention；
Fig. 5 is a kind of financial asset transfer transaction system structure diagram disclosed by the invention；
Fig. 6 is another kind of financial asset transfer transaction system structure diagram disclosed by the invention.
Specific embodiment
Below in conjunction with the accompanying drawing in the embodiment of the present invention, the technical scheme in the embodiment of the present invention is carried out clear, complete
Site preparation is described, it is clear that described embodiment is only a part of embodiment of the invention, rather than the embodiment of whole.It is based on
Embodiment in the present invention, it is every other that those of ordinary skill in the art are obtained under the premise of creative work is not made
Embodiment, belongs to the scope of protection of the invention.
Fig. 1 is referred to, a kind of earning rate computational methods are comprised the following steps：
S101：Obtain the transaction unit price of seller client financial asset information and the financial asset to be transferred the possession of；
It should be noted that earning rate is calculated occur during financial asset transfer transaction, when seller client is wanted to turn
Allow financial asset when, the transaction unit price of financial asset information and the financial asset, the gold can be input in systems
Financing product information includes：The species and share of financial asset.
S102：Historical transaction record of the seller client to the financial asset is obtained, the average of the financial asset is calculated
Cost and average investment natural law；
Specifically, system can record each transaction record of client automatically, according to seller client to the financial asset
Historical record, system can more accurately calculate the average unit cost of the financial asset, it is to avoid client is to certain finance money
Product is concluded the business repeatedly, causes the earning rate that cost change brings to calculate inaccurate problem.
S103：Average unit cost, average investment natural law, univalent and single part of transaction according to the financial asset is sold and is gone through the formalities
Take, calculate the year earning rate of the seller client；
S104：It is interval, remaining according to the transaction unit price for selling the financial asset in commission, trade share, earning rate
Investment natural law and buy-side client need the fee for paying, and after calculating the purchase financial asset, the yearization of the buy-side client is received
Beneficial rate is interval；
Specifically, the year earning rate interval computation formula of buy-side client is：
Yearization earning rate interval=((matured principle+Yield To Maturity interval-buy in total price-fee)/(buy in total price
Lattice+buy in the fee)) * (365/ remaining investment natural law) * 100%
Wherein, matured principle=financial asset original cost * trade shares；
Yield To Maturity interval=matured principle * earning rates are interval；
Buy in total price=transaction value * trade share.
S105：Before buy-side client initiates buy orders, buy-side client information is read；
S106：According to the customer grade in the buy-side client information, location and hold part of the financial asset
Number, determines that the buy-side client buys the earning rate of the financial asset, and calculates the buy-side client purchase finance money
The accurate year earning rate in puerperal.
It should be noted that for part financial asset, share that client holds financial asset is how many, client grade with
And client location is likely to affect the earning rate of this kind of financial asset, for example, the financial asset that client holds
The more earning rates of share may be higher, and vip client may be higher than the earning rate of normal client, and the client of regional A may be than regional B
Client earning rate it is high.
Also, it should be noted that for seller client, seller client send sell commission before can adjust friendship
Easily unit price and trade share are sold until year earning rate satisfaction expection can just send by system-computed year earning rate
Go out commission.For buy-side client is when various transfer message are browsed, for each transfer message, system can all provide year
Earning rate is interval, if buy-side client is interested can be input into after customer information reads system, system can provide accurate year
Earning rate, buy-side client can decide whether to buy this kind of financial asset by accurate year earning rate.
The method that the present invention is provided makes seller client that respective earning rate is intuitively obtained in process of exchange with buy-side client,
Transaction to financial asset has a rational earning rate to be expected, and improves the success rate of transaction.
Form of calculation of the application using earning rate, adultization earning rate, can easily with deposit, trust fund etc.
The situation of Profit of investment is directly contrasted.
Fig. 2 is referred to, historical transaction record of the acquisition seller client to the financial asset calculates the finance money
The average unit cost and average investment natural law of product, including：
S201：Held according to the former average unit cost of financial asset, original described in the historical transaction record of the financial asset
Share, the amount of money is bought in, the fee is bought in and newly holds share, calculate the average unit cost of the financial asset；
Specifically, the computing formula of average unit cost is：
Average unit cost=(former average unit cost * original hold share+the buy in amount of money+buy in the fee)/newly hold share；
It is understood that this kind of financial asset of concluding the business before the seller client, then former average unit cost is
Cost when buying for the first time, original hold share with newly to hold share identical, buy in the amount of money and buy in the fee for 0.
Received once the transfer of this kind of financial asset before the seller client, then former average unit cost and original hold share
Cost and share when respectively buying for the first time, it is the share bought when accepting a delivery acceptance of delivery newly to hold share, buys in the amount of money and buys
Enter the fee and be respectively buying in the amount of money and buy in fee when accepting a delivery acceptance of delivery.
That is, the transaction unit price, friendship after the transfer transaction success of the financial asset, according to the financial asset
Easily share and buy-side client need the fee for paying, and calculate the cost of the financial asset, and using the cost as described
Buy-side client is held the former average unit cost of the financial asset and is preserved.
By that analogy, sell after client buys in this kind of financial asset every time, the former average unit cost all can respective change.
S202：According to the investment time of per part of financial asset in the historical transaction record of the financial asset, per part
The investment total amount of the investment amount of the financial asset and the financial asset, calculates the average investment day of the financial asset
Number.
Specifically, the computing formula of average investment natural law is：
The earning rate computational methods that the present invention is provided, according to historical transaction record of the seller client to the financial asset,
The average unit cost of the financial asset is calculated in each client trading using recurrence formula method, this kind of computational methods can be accurate
Calculate the cost of financial asset and reduce amount of calculation, meanwhile, according to per part of gold in the historical transaction record of seller client
The investment total amount of investment time, the investment amount of per part of financial asset and the financial asset that financing is produced, calculates institute
The average investment natural law of financial asset is stated, the average investment natural law that this method is calculated is more accurate and easy to understand, because
This is according to the average unit cost of the financial asset, average investment natural law, that the fee is sold in univalent and single part of transaction is calculated
Yearization earning rate is more accurate；When buy-side client earning rate is calculated, in addition to a general year earning rate interval is provided, also
Identification buy-side client information after, according to customer grade, location and hold the financial asset number calculate described in buy
Square client buys the accurate year earning rate after the financial asset.The method that the present invention is provided makes seller client and buy-side client
Respective earning rate is obtained in process of exchange intuitively, the transaction to financial asset has a rational earning rate to be expected, and improves
The success rate of transaction.
Fig. 3 is referred to, based on earning rate computational methods disclosed in above-described embodiment, the present embodiment correspondence discloses a kind of receipts
Beneficial rate computing system, including：
Acquiring unit 101, for obtaining the friendship of seller client financial asset information to be transferred the possession of and the financial asset
It is easily univalent；
First computing unit 102, for obtaining historical transaction record of the seller client to the financial asset, calculates described
The average unit cost and average investment natural law of financial asset；
Second computing unit 103, for the average unit cost according to the financial asset, average investment natural law, transaction unit price
The fee is sold with single part, the year earning rate of the seller client is calculated；
3rd computing unit 104, for according to the transaction unit price of financial asset sold in commission, trade share,
Earning rate is interval, the remaining natural law and buy-side client of investing needs the fee of payment, calculates described in after the purchase financial asset
The year earning rate of buy-side client is interval；
Reading unit 105, for, before buy-side client initiates buy orders, reading buy-side client information；
4th computing unit 106, for according to the customer grade in the buy-side client information, location and holding institute
The number of financial asset is stated, is determined that the buy-side client buys the earning rate of the financial asset, and is calculated the buy-side client
Buy the accurate year earning rate after the financial asset.
Fig. 4 is referred to, the first computing unit 102 in the earning rate computing system includes：
First computation subunit 108, for financial asset described in the historical transaction record according to the financial asset
Former average unit cost, original are held share, buy in the amount of money, buy in the fee and newly hold share, calculate the average of the financial asset
Cost；
Second computation subunit 109, for per part in the historical transaction record according to the financial asset finance money
The investment total amount of the investment time of product, the investment amount of per part of financial asset and the financial asset, calculates the gold
The average investment natural law that financing is produced.
The earning rate computing system also includes：
5th computing unit 107, for after transfer transaction success when the financial asset, according to the financial asset
Transaction unit price, trade share and buy-side client need the fee for paying, and calculate the cost of the financial asset, and by it is described into
This is preserved as the former average unit cost that the buy-side client holds the financial asset.
Fig. 5 is referred to, based on earning rate computing system disclosed in above-described embodiment, the present embodiment correspondence discloses a kind of gold
Financing produces transfer transaction system, and the system includes：
Client 201, for receiving the commission of selling of seller client initiation, and sells the related letter of commission described in showing
Breath；Receive the buy orders that buy-side client is initiated；Show process of exchange relevant information, the year of seller client and buys at earning rate
The year earning rate of square client is interval；
Specifically, the user of the financial asset transfer transaction system can use smart mobile phone, panel computer, notebook
The various electronic equipments such as computer log in the client of the financial asset transfer transaction system.
Preferably, the client of Web bank and Mobile banking as the financial asset transfer transaction system.
The assignor of financial asset is seller client, and the assignee of financial asset is buy-side client, and the seller client can
To log in the client of the financial asset transfer transaction system, commission is sold in initiation, described to sell commission and include：Financial asset
Type, the share transferred the possession of, per part of transaction unit price, transfer the possession of total price and remaining investment natural law.The correlation for selling commission
Information and the year earning rate interval after buying in can all show on the client.
Specifically, buy-side client be able to can be selected according to earning rate or remaining investment natural law to selling commission with client
Relevant information is ranked up, and is shown on system interface.The transaction of seller client and seller client in financial asset
Cheng Zhong, can see the relevant information of process of exchange, seller's year earning rate and buyer's year in respective system transaction interface
Change earning rate.
Buy-side client can log in the client of the financial asset transfer transaction system, browse the various phases for selling commission
Pass information and the year earning rate after buying in are interval, sell commission initiation buy orders for satisfied.
Above-mentioned earning rate computing system 202；
Specifically, earning rate computing system 202 by calculated seller client year earning rate, buy-side client year
The accurate year earning rate of change earning rate interval and buy-side client is sent to client and is shown.
The earning rate computing system calculates the accurate year earning rate that buy-side client buys the financial asset in real time,
Buy-side client is allow intuitively to evaluate the quality for this time investing effectiveness, so as to judge whether to initiate buy orders.
Order matching unit 203 is transferred the possession of, for the buy orders for selling commission and buy-side client of seller client are distinguished
Preserved, and sold described commission and matched with the buy orders by preset rules, generated transaction record and by institute
State transaction record to be preserved；
Specifically, the buy orders that what seller client sent sell commission and buy-side client sends can all be sent to transfer pinch
Synthesis presentate unit, matched, will the match is successful generate transaction record.
Transaction funds clear unit 204, for connecting various payment channels, according to the transaction record and the transaction note
The fund account information of corresponding seller client and buy-side client is recorded, corresponding payment channel is selected, is handled automatically the buyer
Transferred account service from client to the seller client and deduct the fee；
Specifically, the transaction funds clearance unit 204 is attached with various payment channels, is realized financial asset and is turned
Allow transaction to be automatically performed on this system, simplify the operation of user, improve efficiency.
Financial asset completes a business transaction unit 205, for connecting various financial asset registration system servers, as the buyer
Client to after the completion of the transferred account service of the seller client, according to the transaction record, connects corresponding financial asset registration and steps on
The financial asset transfer of the seller client is completed the financial asset to the buy-side client by note system server automatically
Transfer transaction.
Specifically, financial asset is completed a business transaction unit 205 and is docked with various financial assets registration system server, institute
State financial asset registration system server to be provided by financial institutions such as various banks, stock trader, Fund Companies.Avoid client
Oneself go to handle the restriction of transfer, time and region, simplify the transaction flow of user.
Financial asset transfer transaction system is present embodiments provided, make the initiation of reception seller client sells commission and buyer
Buy orders, calculating buyer's earning rate and asked rate, the transfer transaction for brining financial asset together, transaction funds that client initiates
The transfer of transfer accounts clearance and financial asset complete a business transaction and complete on whole automatization's lines, do not limited by time and region, it is convenient
Client secure, freedom, the transfer transaction for efficiently carrying out financial asset, improve the mobility of financial asset.
Fig. 6 is referred to, in the financial asset transfer transaction system, the transfer order matching unit 203 includes：
Subelement 206 is preserved, for the relevant information for selling commission is preserved into data base in the form of fields
Sell in commission table, and the relevant information of the buy orders is preserved into the buy orders into data base in the form of fields
In table；
Coupling subelement 207, for by it is described sell in commission table sell commission, with the buy orders table in institute
State and sell the corresponding buy orders initiated at first of commission and matched, generate transaction record and by the transaction record preserve to
In match information table in data base；
Weight coupling subelement 208, for when the judgment sub-unit judge transaction funds clearance cannot be normally carried out when,
Delete corresponding transaction record, and sell commission and carry out with other buy orders by preset rules are corresponding to the transaction record
Matching.
The transaction funds clearance unit 204 includes：
Judgment sub-unit 209, for the mandate according to buy-side client, is drawn by button or freezes buyer's customer account
Mode, judges whether transaction funds clearance can be normally carried out；
Transfer accounts subelement 210, for when transaction funds clearance can be normally carried out, according to the transaction record with it is described
The corresponding seller client of transaction record and the fund account information of buy-side client, select corresponding payment channel, handle automatically institute
Buy-side client is stated to the transferred account service of the seller client and the fee is deducted.
The financial asset transfer transaction system that the present embodiment is provided, make the initiation of reception seller client sell commission and buyer
Buy orders, calculating asked rate and buyer's earning rate, the transfer transaction for brining financial asset together, transaction funds that client initiates
The transfer of transfer accounts clearance and financial asset complete a business transaction and complete on whole automatization's lines, do not limited by time and region, it is convenient
Client secure, freedom, the transfer transaction for efficiently carrying out financial asset, improve the mobility of financial asset.The application passes through
Using financial asset transfer transaction system as the active platform of financial asset transfer transaction, solve that transferable information is asymmetric to ask
Topic, reduce makes transaction value deviate the larger situation of financial asset true value as transferable information is asymmetric.
The foregoing description of the disclosed embodiments, enables professional and technical personnel in the field to realize or using the present invention.
Various modifications to these embodiments will be apparent for those skilled in the art, as defined herein
General Principle can be realized without departing from the spirit or scope of the present invention in other embodiments.Therefore, the present invention
The embodiments shown herein is not intended to be limited to, and is to fit to and principles disclosed herein and features of novelty phase one
The most wide scope for causing.
Claims (10)
1. a kind of earning rate computational methods, it is characterised in that methods described is applied to earning rate computing system, methods described bag
Include：
Obtain the transaction unit price of seller client financial asset information and the financial asset to be transferred the possession of；
Historical transaction record of the seller client to the financial asset is obtained, the average unit cost of the financial asset and average is calculated
Investment natural law；
Average unit cost, average investment natural law, univalent and single part of transaction according to the financial asset sells the fee, calculates described
The year earning rate of seller client；
Transaction unit price, trade share, earning rate interval, remaining investment natural law and buyer according to the financial asset sold in commission
Client needs the fee for paying, and calculates the year earning rate interval of the buy-side client after the purchase financial asset；
Before buy-side client initiates buy orders, buy-side client information is read；
According to the customer grade in the buy-side client information, location and hold the number of the financial asset, determine institute
The earning rate that buy-side client buys the financial asset is stated, and calculates accurate after the buy-side client purchase financial asset
Yearization earning rate.
2. method according to claim 1, it is characterised in that history of the acquisition seller client to the financial asset
Transaction record, calculates the average unit cost and average investment natural law of the financial asset, including：
Hold share, buy according to the former average unit cost of financial asset, original described in the historical transaction record of the financial asset
The amount of money, buy in the fee and newly hold share, calculate the average unit cost of the financial asset；
According to the investment time of per part of financial asset, per part of finance money in the historical transaction record of the financial asset
The investment total amount of the investment amount of product and the financial asset, calculates the average investment natural law of the financial asset.
3. method according to claim 2, it is characterised in that methods described also includes：
Transaction unit price, trade share and buyer after the transfer transaction success of the financial asset, according to the financial asset
Client needs the fee for paying, and calculates the cost of the financial asset, and holds the cost as the buy-side client
The former average unit cost of the financial asset is preserved.
4. a kind of earning rate computing system, it is characterised in that the system includes：
Acquiring unit, for obtaining the transaction unit price of seller client financial asset information to be transferred the possession of and the financial asset；
First computing unit, for obtaining historical transaction record of the seller client to the financial asset, calculates the finance money
The average unit cost and average investment natural law of product；
Second computing unit, for being sold according to the average unit cost of the financial asset, average investment natural law, univalent and single part of transaction
Sell and continue to pay dues, calculate the year earning rate of the seller client；
3rd computing unit, for according to the transaction unit price for selling the financial asset in commission, trade share, earning rate area
Between, remaining investment natural law and buy-side client need the fee that pays, calculate the buy-side client after the purchase financial asset
Year earning rate it is interval；
Reading unit, for, before buy-side client initiates buy orders, reading buy-side client information；
4th computing unit, for according to the customer grade in the buy-side client information, location and holding the finance
The number of assets, determines that the buy-side client buys the earning rate of the financial asset, and calculates the buy-side client purchase institute
State the accurate year earning rate after financial asset.
5. system according to claim 4, it is characterised in that first computing unit includes：
First computation subunit, for financial asset described in the historical transaction record according to the financial asset Yuanping City into
Originally, original is held share, buys in the amount of money, buys in the fee and newly hold share, calculates the average unit cost of the financial asset；
Second computation subunit, for the investment of per part of financial asset in the historical transaction record according to the financial asset
The investment total amount of time, the investment amount of per part of financial asset and the financial asset, calculates the financial asset
Average investment natural law.
6. system according to claim 4, it is characterised in that the system also includes：
5th computing unit, for after transfer transaction success when the financial asset, according to the trading card of the financial asset
Valency, trade share and buy-side client need the fee for paying, and calculate the cost of the financial asset, and using the cost as
The buy-side client is held the former average unit cost of the financial asset and is preserved.
7. a kind of financial asset transfer transaction system, it is characterised in that the system includes：
Client, for receiving the commission of selling of seller client initiation, and sells the relevant information of commission described in showing；Reception is bought
The buy orders that square client initiates；Show the year earning rate and buy-side client of process of exchange relevant information, seller client
Yearization earning rate is interval；
Any one earning rate computing system described in the claim 4～6；
Order matching unit is transferred the possession of, for entrusting the buy orders with buy-side client to be protected respectively selling for seller client
Deposit, and sold described commission and matched with the buy orders by preset rules, generate transaction record and by the transaction
Record is preserved；
Transaction funds clear unit, for connecting various payment channels, corresponding with the transaction record according to the transaction record
Seller client and buy-side client fund account information, select corresponding payment channel, handle automatically the buy-side client to
The transferred account service of the seller client simultaneously deducts the fee；
Financial asset completes a business transaction unit, for connecting various financial assets registration system servers, when the buy-side client to
After the completion of the transferred account service of the seller client, according to the transaction record, connect corresponding financial asset and register system
The financial asset transfer of the seller client is completed the transfer of the financial asset to the buy-side client by server automatically
Transaction.
8. system according to claim 7, it is characterised in that the transfer order matching unit includes：
Subelement is preserved, committee is sold for the relevant information for selling commission is preserved in the form of fields into data base
In support table, and the relevant information of the buy orders is preserved in the buy orders table into data base in the form of fields；
Coupling subelement, for by it is described sell in commission table sell commission, with the buy orders table in sell with described
The corresponding buy orders initiated at first of commission are matched, and are generated transaction record and the transaction record are preserved to data base
In match information table in.
9. system according to claim 7, it is characterised in that the transaction funds clearance unit includes：
Judgment sub-unit, for the mandate according to buy-side client, by way of button is drawn or freezes buyer's customer account, sentences
Whether easy fund clearing of breaking off a friendship can be normally carried out；
Transfer accounts subelement, for when transaction funds clearance can be normally carried out, according to the transaction record and the transaction note
The fund account information of corresponding seller client and buy-side client is recorded, corresponding payment channel is selected, is handled automatically the buyer
Transferred account service from client to the seller client and deduct the fee.
10. system according to claim 9, it is characterised in that the transfer order matching unit also includes：
Weight coupling subelement, for when the judgment sub-unit judges that transaction funds clearance cannot be normally carried out, it is right to delete
The transaction record answered, and by preset rules it is corresponding to the transaction record sell commission match with other buy orders.
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| CN201610934486.5A CN106530081A (en) | 2016-10-25 | 2016-10-25 | Yield calculation method, system and financial asset transfer transaction system |
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Cited By (6)
| Publication number | Priority date | Publication date | Assignee | Title |
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| CN107451920A (en) * | 2017-08-16 | 2017-12-08 | 深圳平安讯科技术有限公司 | Calculation server, dynamic income processing method and storage medium |
| CN107862605A (en) * | 2017-06-29 | 2018-03-30 | 陆金所（上海）科技服务有限公司 | Assets transfer the possession of processing method, system and computer-readable recording medium |
| CN108985855A (en) * | 2018-08-01 | 2018-12-11 | 中国建设银行股份有限公司 | A kind of determination method and system of contract information |
| CN110020795A (en) * | 2019-03-25 | 2019-07-16 | 阿里巴巴集团控股有限公司 | The method and device of risk control is provided for mutual fund earnings |
| CN110998628A (en) * | 2017-06-08 | 2020-04-10 | 冈部俊彦 | System, method, and program for notifying profit or loss due to payment of purchase price of commodity |
| CN112598512A (en) * | 2020-11-25 | 2021-04-02 | 浙江金融资产交易中心股份有限公司 | Data processing method and data processing system based on universal transfer engine |
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2016
- 2016-10-25 CN CN201610934486.5A patent/CN106530081A/en active Pending
Cited By (6)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN110998628A (en) * | 2017-06-08 | 2020-04-10 | 冈部俊彦 | System, method, and program for notifying profit or loss due to payment of purchase price of commodity |
| CN107862605A (en) * | 2017-06-29 | 2018-03-30 | 陆金所（上海）科技服务有限公司 | Assets transfer the possession of processing method, system and computer-readable recording medium |
| CN107451920A (en) * | 2017-08-16 | 2017-12-08 | 深圳平安讯科技术有限公司 | Calculation server, dynamic income processing method and storage medium |
| CN108985855A (en) * | 2018-08-01 | 2018-12-11 | 中国建设银行股份有限公司 | A kind of determination method and system of contract information |
| CN110020795A (en) * | 2019-03-25 | 2019-07-16 | 阿里巴巴集团控股有限公司 | The method and device of risk control is provided for mutual fund earnings |
| CN112598512A (en) * | 2020-11-25 | 2021-04-02 | 浙江金融资产交易中心股份有限公司 | Data processing method and data processing system based on universal transfer engine |
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