CN108681969A - Terminal, the determination method of investment project and its device and readable storage medium storing program for executing - Google Patents
Terminal, the determination method of investment project and its device and readable storage medium storing program for executing Download PDFInfo
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- CN108681969A CN108681969A CN201810375933.7A CN201810375933A CN108681969A CN 108681969 A CN108681969 A CN 108681969A CN 201810375933 A CN201810375933 A CN 201810375933A CN 108681969 A CN108681969 A CN 108681969A
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Abstract
The invention discloses a kind of determination method of investment project, the determination method of the investment project includes the following steps:When detecting the operation based on Investment interface, the user information of user is obtained according to the Investment interface;The investment label of user is generated according to the user information, and obtains the corresponding item label of each investment project;Determine with it is described investment tag match the item label, and using the corresponding investment project of the item label as with the matched investment project of the user.Invention additionally discloses a kind of terminal, the determining device of investment project and readable storage medium storing program for executing.Present invention saves the screening times of user, improve the screening efficiency of investment project.
Description
Technical field
The present invention relates to a kind of financial field more particularly to terminal, the determination method of investment project and its device and calculating
Machine readable storage medium storing program for executing.
Background technology
With the development of economy, enterprise increasingly increases severely as emerging rapidly in large numbersBamboo shoots after a spring rain.The development of enterprise be unable to do without economic support,
It is invested so correspondingly deriving the project that a large amount of venture capital enterprises are enterprise development.Investing is to shape shape and color
The financing project of color needs the various aspects of each project of comprehensive analysis, final choice to go out to be suitble to the high-quality project of itself, carries out
Capital investment namely investor are low to the screening efficiency of investment project.
Invention content
The main purpose of the present invention is to provide a kind of terminal, the determination method of investment project and its device and readable storages
Medium, it is intended to solve the problems, such as that investor is low to the screening efficiency of investment project.
To achieve the above object, the determination method of a kind of investment project provided by the invention, the determination of the investment project
Method includes the following steps:
When detecting the operation based on Investment interface, the user information of user is obtained according to the Investment interface;
The investment label of user is generated according to the user information, and obtains the corresponding item label of each investment project;
It determines the item label with the investment tag match, and the corresponding investment project of the item label is made
For with the matched investment project of the user.
Preferably, the step of investment label that user is generated according to the user information includes:
Income information, payment information, fund present situation and the investment demand of the user are obtained in the user information;
The use is generated according to the income information, the expenditure information, the fund present situation and the investment demand
The investment label at family.
Preferably, the determination method of the investment project further includes:
When detecting that investment project creates, project information corresponding with the investment project is obtained;
Industry, investment project side in the project information residing for the corresponding investment project side of the determination investment project
Financial data, the operational plan of project capital, project risk grade and investment amount;
According to the industry, the financial data, the project operation plan, the Project Investment Risk grade and institute
State the investment label that investment amount generates investment project.
Preferably, described according to the industry, the financial data, the project operation plan, the project investment wind
Dangerous grade and the investment amount generate the step of investment label of investment project and include:
The history investment project record of the corresponding investment project side of the investment project is obtained, and determines the industry
Profit situation;
The project risk grade is corrected according to the profit situation of history investment project record and the industry;
According to the financial data, the project operation plan, the modified Project Investment Risk grade and described
Investment amount generates the investment label of investment project.
Preferably, after the step of investment label that user is generated according to the user information, further include:
The Permission Levels of the user are determined according to the user information;
The determining and matched multiple investment projects of the Permission Levels, and execute the investment for obtaining each investment project
The step of label.
Preferably, the Permission Levels include common permission and special access right, and the investment project includes high level of investment
The step of project and common investment project, the determination matched with the Permission Levels multiple investment projects includes:
It prescribes a time limit for equity stock in the Permission Levels of the user, the common investment project is opened to the user;
When the Permission Levels of the user are special access right, the common investment project and height are opened to the user
Grade investment project.
Preferably, the step of corresponding investment project of the item label is as investment project matched with the user it
Afterwards, further include:
Pushed information is generated according to the investment project, and exports the pushed information.
To achieve the above object, the present invention also provides a kind of determining device of investment project, the determinations of the investment project
Device include memory, processor and be stored in the memory and the investment project that can run on the processor really
Determine program, the determination program of the investment project realizes the determination method of investment project as described above when being executed by processor
Step.
To achieve the above object, the present invention also provides a kind of terminal, the terminal includes memory, processor and storage
In the memory and the determination program of investment project that can run on the processor, the determination program of the investment project
The step of determination method of investment project as described above is realized when being executed by processor.
To achieve the above object, the present invention also provides a kind of readable storage medium storing program for executing, the readable storage medium storing program for executing is stored with throwing
The determination program of money project, the determination program of the investment project realize investment project as described above when being executed by processor
The step of determining method.
Terminal, the determination method of investment project and its device and computer readable storage medium provided by the invention, are being examined
When measuring the operation based on Investment interface, user information is obtained, investment label is generated according to user information, then obtain each investment
The item label of project determines the item label with investment tag match, to which the corresponding investment project of the item label is true
The fixed and matched investment project of user;Because device can determine matching investment project according to the user information of user,
The screening time for saving user improves the screening efficiency of investment project.
Description of the drawings
Fig. 1 be the present embodiments relate to terminal/investment project determining device hardware architecture diagram;
Fig. 2 is the flow diagram of the determination method first embodiment of investment project of the present invention;
Fig. 3 is the refinement flow diagram of step S20 in Fig. 2;
Fig. 4 is the flow diagram of the determination method second embodiment of investment project of the present invention;
Fig. 5 is the refinement flow diagram of step S60 in Fig. 4;
Fig. 6 is the flow diagram of the determination method 3rd embodiment of investment project of the present invention.
The embodiments will be further described with reference to the accompanying drawings for the realization, the function and the advantages of the object of the present invention.
Specific implementation mode
It should be appreciated that the specific embodiments described herein are merely illustrative of the present invention, it is not intended to limit the present invention.
The primary solutions of the embodiment of the present invention are:When detecting the operation based on Investment interface, according to the throwing
Provide the user information that interface obtains user;The investment label of user is generated according to the user information, and obtains each investment item
The corresponding item label of mesh;Determine the item label with the investment tag match, and the item label is corresponding
Investment project as with the matched investment project of the user.
In the prior art, investing needs each side of each project of comprehensive analysis to panoramic financing project
Face, final choice go out to be suitble to the high-quality project of itself, carry out the screening efficiency of capital investment namely investor to investment project
It is low.The present invention provides a solution:Because device can determine matching investment item according to the user information of user
Mesh saves the screening time of user, improves the screening efficiency of investment project.
As a kind of implementation, the determining device of terminal/investment project can be as shown in Figure 1.
The embodiment of the present invention refers to the determining device of terminal or investment project, and terminal/investment project is really
Determining device includes:Processor 1001, such as CPU, memory 1002, communication bus 1003.Wherein, communication bus 1003 is for real
Connection communication between these existing components.
Memory 1002 can be high-speed RAM memory, can also be stable memory (non-
), such as magnetic disk storage volatilememory.As shown in Figure 1, as in a kind of memory 1003 of computer storage media
It may include the determination program of investment project;And processor 1001 can be used for calling the investment project stored in memory 1002
Determination program, and execute following operation:
When detecting the operation based on Investment interface, the user information of user is obtained according to the Investment interface;
The investment label of user is generated according to the user information, and obtains the corresponding item label of each investment project;
It determines the item label with the investment tag match, and the corresponding investment project of the item label is made
For with the matched investment project of the user.
Further, processor 1001 can be used for calling the determination program of the investment project stored in memory 1002,
And execute following operation:
Income information, payment information, fund present situation and the investment demand of the user are obtained in the user information;
The use is generated according to the income information, the expenditure information, the fund present situation and the investment demand
The investment label at family.
Further, processor 1001 can be used for calling the determination program of the investment project stored in memory 1002,
And execute following operation:
When detecting that investment project creates, project information corresponding with the investment project is obtained;
Industry, investment project side in the project information residing for the corresponding investment project side of the determination investment project
Financial data, the operational plan of project capital, project risk grade and investment amount;
According to the industry, the financial data, the project operation plan, the Project Investment Risk grade and institute
State the investment label that investment amount generates investment project.
Further, processor 1001 can be used for calling the determination program of the investment project stored in memory 1002,
And execute following operation:
The history investment project record of the corresponding investment project side of the investment project is obtained, and determines the industry
Profit situation;
The project risk grade is corrected according to the profit situation of history investment project record and the industry;
According to the financial data, the project operation plan, the modified Project Investment Risk grade and described
Investment amount generates the investment label of investment project.
Further, processor 1001 can be used for calling the determination program of the investment project stored in memory 1002,
And execute following operation:
The Permission Levels of the user are determined according to the user information;
The determining and matched multiple investment projects of the Permission Levels, and execute the investment for obtaining each investment project
The step of label.
Further, processor 1001 can be used for calling the determination program of the investment project stored in memory 1002,
And execute following operation:
It prescribes a time limit for equity stock in the Permission Levels of the user, the common investment project is opened to the user;
When the Permission Levels of the user are special access right, the common investment project and height are opened to the user
Grade investment project.
Further, processor 1001 can be used for calling the determination program of the investment project stored in memory 1002,
And execute following operation:
Pushed information is generated according to the investment project, and exports the pushed information.
The present embodiment is according to said program, when detecting the operation based on Investment interface, obtain user information, according to
Family information generates investment label, then obtains the item label of each investment project, determines the item label with investment tag match,
To which the corresponding investment project of the item label be determined and the matched investment project of user;Because device can be according to the use of user
Family information determines matching investment project, saves the screening time of user, improves the screening efficiency of investment project.
Based on above-mentioned hardware architecture, the embodiment of the determination method of investment project of the present invention is proposed.
It is the first embodiment of the determination method of investment project of the present invention, the determination of the investment project with reference to Fig. 2, Fig. 2
Method includes the following steps:
Step S10, when detecting the operation based on Investment interface, the user that user is obtained according to the Investment interface believes
Breath;
In the present invention, executive agent can be the determining device namely investment software server of investment project, executive agent
It can also be the terminal for being mounted with investment software (APP).Multiple investment projects are stored in server, these investment projects are all by sending out
People is played to server application, the investment project that server applies for promoter is audited, if audit passes through, by the investment item
Mesh is put into project pond, so that investor selects.
User, can register account number can be in APP when user is after succeeding in registration on investment APP when there is investment intent
Investment interface on select investment project.It should be noted that user in register account number, needs to fill in income information, payment
The user informations such as information, fund present situation, investment demand, then, server bind account and user information correlation, certainly, and
It is not limited to fill in user information when registration.
Device when detecting operation of the user based on Investment interface, judgement user have investment intent, at this point, device according to
The log-on message of user obtains user account on Investment interface, to obtain the user information with account binding.
Step S20, the investment label of user is generated according to the user information, and obtains the corresponding item of each investment project
Target label;
After obtaining user information, device can generate the investment label of user according to user information, specifically, please referring to figure
3, i.e. step S20 include:
Step S21, obtained in the user information income information of the user, payment information, fund present situation and
Investment demand;
Step S22 gives birth to according to the income information, the expenditure information, the fund present situation and the investment demand
At the investment label of the user;
Device can generate investment potential (investment potential according to the income information, expenditure information and fund present situation of user
For one kind in investment label), and in the present embodiment, user can be divided into personal and company, if user is personal, because receiving
The net income of user can be obtained by entering information and payment information, and net income is higher, and the investment potential of the user (individual) is higher;And
When user is company, fund present situation namely circulating fund largely embody the investment potential of user, and circulating fund is got over
Height, investment potential are bigger.Investment potential can be estimated to obtain according to net income and fund present situation and its corresponding weight, if with
When family is personal, the corresponding weight of net income is more than the corresponding weight of fund present situation, if user is company, fund present situation corresponds to
Weight be more than the corresponding weight of net income.It is understood that device can be according to the type of user, using different weight marks
Standard generates investment label.The investment cycle for the user that investment demand refers to, the investment risk that can be born, income interest rate demand, for example,
Investment cycle can be short-term yield and long-term gain, and investment risk can be high, medium and low investment risk, and income interest rate demand can be
Day, the moon, annual earnings interest rate demand (for example, it is 4.5% or more that user, which requires 7 daily use chemicals income interest rates of investment project).It can manage
Solution, the investment label of user include the investment capacity, investment cycle, can bear investment risk, income interest rate demand.In addition,
Device can invest record to generate the investment label of user according to the history of user.
After the investment label for generating user, device obtains the investment label of each investment project in project pond, to
Determine the item label with investment tag match.Certainly, project pond can also be divided into individual event Chi He company's projects pond, Yong Huwei
When personal, device carries out the matching of investment project from individual event pond, if user is company, device is from company's project pond
Corresponding project pond can be determined according to user type by carrying out the matching of investment project.
Step S30 determines the item label with the investment tag match, and by the corresponding throwing of the item label
Money project as with the matched investment project of the user;
For investment project when creating, device generates item label according to the project information of investment project, and item label includes
Earning cycle, income interest rate, yield risk, investment threshold etc., for example, the item label of investment project is short-term yield, income
Interest rate is day income interest rate and 7 daily use chemicals income interest rates are 4.7%, yield risk is low, investment threshold is high (100,000 starting), then,
It should be with the matched user tag of the item label:Investment capacity height, can bear low-risk investment risk, 7 daily use chemicals at short-term yield
Interest rate income is more than 4.5% or more.Device is corresponding by the item label after determining and investing the item label of tag match
Investment project of the investment project as matching user, then generates pushed information according to investment project, and export pushed information, pushes away
The way of output of breath of delivering letters can be shown on Investment interface, or pushed information is directly sent to the terminal with user-association.
It should be noted that the investment project for meeting the investment label of user might not be contained in project pond, at this point, dress
Matching degree can be calculated according to investment label and item label by setting, for example, the investment label of user has 4, if there is investment item
Item label in mesh matches the investment label of 3 users, matching degree 75%, and device is by the highest investment item of matching degree
Mesh as with the matched investment project of user.
In technical solution provided in this embodiment, when detecting the operation based on Investment interface, user information is obtained,
Investment label is generated according to user information, then obtains the item label of each investment project, determines the item with investment tag match
Target label, to determine and user's matched investment project the corresponding investment project of the item label;Because device being capable of basis
The user information of user determines matching investment project, saves the screening time of user, improves investment project
Screening efficiency.
It is the second embodiment of the determination method of investment project of the present invention with reference to Fig. 4, Fig. 4, is based on first embodiment, it is described
The determination method of investment project further includes:
Step S40 obtains project information corresponding with the investment project when detecting that investment project creates;
Step S50 determines the industry residing for the corresponding investment project side of the investment project in the project information, throws
Financial data, the operational plan of project capital, project risk grade and the investment amount of money project side;
Step S60, according to the industry, the financial data, the project operation plan, described Project Investment Risk etc.
Grade and the investment amount generate the investment label of investment project;
Promoter needs the industry for inserting promoter (investment project side), investment project when application creates investment project
Project information, the devices such as financial data, the operational plan of project capital, project risk grade and the investment amount of side can verify item
The authenticity of mesh information, for example, device can determine whether the qualification of promoter's (promoter can be personal, can also be company), and
Determine the authenticity of financial data and the profit situation (namely being audited to investment project) of promoter's the industry, from
And judge whether the investment project that the promoter initiates is feasible.Then according to industry, financial data, the project operation plan,
Project Investment Risk grade and investment amount generate the investment label of investment project, specifically, please refer to Fig. 5, i.e. step S60
Including:
Step S61, obtains the history investment project record of the corresponding investment project side of the investment project, and determines institute
State the profit situation of industry;
Step S62 corrects the project wind according to the profit situation of history investment project record and the industry
Dangerous grade;
Step S63, according to the financial data, the project operation plan, the modified Project Investment Risk grade
And the investment amount generates the investment label of investment project;
Device can obtain the history investment project record of promoter and the profit situation of industry, then be invested according to history
The Project Investment Risk grade of project whether got a profit and the profit situation amendment promoter of industry fills in, to according to finance
Data, the project operation plan, modified Project Investment Risk grade and investment amount generate the investment label of investment project.
In technical solution provided in this embodiment, the determining device of investment project is obtained when detecting that investment project creates
The project information of investment project is taken, to generate the item label of investment project according to project information, investment project determines dress
Set intelligence degree height.
It is the 3rd embodiment of the determination method of investment project of the present invention with reference to Fig. 6, Fig. 6, is implemented based on the first or second
, after the step S10, further include:
Step S70 determines the Permission Levels of the user according to the user information;
Step S80, the determining and matched multiple investment projects of the Permission Levels, and execute each investment item of acquisition
Purpose invests the step of label;
In the present embodiment, device can be divided into user setting Permission Levels, Permission Levels common permission and special power
Limit, Permission Levels can be recorded to determine by the investment of user, for example, the history of device counting user invests total amount, invested
When total amount is greater than or equal to a certain numerical value, the Permission Levels of the user are special access right, if investment total amount is less than the numerical value
When, the Permission Levels of user are common permission, it is of course also possible to the investment number according to user divides user right,
It is more than some numerical value in time investment amount of working as user, which is calculated as effective investment number, device will effectively be thrown
The Permission Levels for the user that money number is greater than or equal to preset times are set as special access right.
Each investment project in project pond is divided into high level of investment project and common investment project, advanced and common investment
Dividing for project can record determination, the division one of division principle and above-mentioned Permission Levels by the history investment project of promoter
It causes, this is no longer going to repeat them.
Project pond opens common investment project to the user for commonly limiting power, and fully invested item is opened to the user of special access right
Mesh, namely open common investment project and high level of investment project.Device obtains after determining the Permission Levels of user after opening
Investment project item label, so that it is determined that with investment tag match item label, with determine with the matched investment of user
Project.
In technical solution provided in this embodiment, the determining device of investment project is determined and is used after obtaining user information
The Permission Levels at family, to obtain the investment mark with investment tag match in multiple investment projects corresponding with Permission Levels
Label, it is intelligentized to match corresponding investment project for user.
The present invention also provides a kind of determining device of investment project, the determining device of the investment project include memory,
Processor and the determination program of investment project that is stored in the memory and can run on the processor, the investment
The determination program of project realizes the step of determination method of the investment project described in embodiment as above when being executed by processor.
The present invention also provides a kind of terminal, the terminal includes memory, processor and is stored in the memory simultaneously
The determination program for the investment project that can be run on the processor, when the determination program of the investment project is executed by processor
The step of realizing the determination method of the investment project described in embodiment as above.
The present invention also provides a kind of readable storage medium storing program for executing, the readable storage medium storing program for executing is stored with the determination journey of investment project
Sequence, the determination program of the investment project realize the step of the determination method of investment project as described above when being executed by processor
Suddenly.
The embodiments of the present invention are for illustration only, can not represent the quality of embodiment.
It should be noted that herein, the terms "include", "comprise" or its any other variant are intended to non-row
His property includes, so that process, method, article or device including a series of elements include not only those elements, and
And further include other elements that are not explicitly listed, or further include for this process, method, article or device institute it is intrinsic
Element.In the absence of more restrictions, the element limited by sentence "including a ...", it is not excluded that including this
There is also other identical elements in the process of element, method, article or device.
Through the above description of the embodiments, those skilled in the art can be understood that above-described embodiment side
Method can add the mode of required general hardware platform to realize by software, naturally it is also possible to by hardware, but in many cases
The former is more preferably embodiment.Based on this understanding, technical scheme of the present invention substantially in other words does the prior art
Going out the part of contribution can be expressed in the form of software products, which is stored in one as described above
In storage medium (such as ROM/RAM, magnetic disc, CD), including some instructions use so that a station terminal equipment (can be mobile phone,
Computer, server, air conditioner or network equipment etc.) execute method described in each embodiment of the present invention.
It these are only the preferred embodiment of the present invention, be not intended to limit the scope of the invention, it is every to utilize this hair
Equivalent structure or equivalent flow shift made by bright specification and accompanying drawing content is applied directly or indirectly in other relevant skills
Art field, is included within the scope of the present invention.
Claims (10)
1. a kind of determination method of investment project, which is characterized in that the determination method of the investment project includes the following steps:
When detecting the operation based on Investment interface, the user information of user is obtained according to the Investment interface;
The investment label of user is generated according to the user information, and obtains the corresponding item label of each investment project;
Determine with it is described investment tag match the item label, and using the corresponding investment project of the item label as with
The matched investment project of user.
2. the determination method of investment project as described in claim 1, which is characterized in that described to be generated according to the user information
The step of investment label of user includes:
Income information, payment information, fund present situation and the investment demand of the user are obtained in the user information;
Generate the user's according to the income information, the expenditure information, the fund present situation and the investment demand
Invest label.
3. the determination method of investment project as described in claim 1, which is characterized in that the determination method of the investment project,
Further include:
When detecting that investment project creates, project information corresponding with the investment project is obtained;
The wealth of industry, investment project side in the project information residing for the corresponding investment project side of the determination investment project
Business data, the operational plan of project capital, project risk grade and investment amount;
According to the industry, the financial data, the project operation plan, the Project Investment Risk grade and the throwing
Provide the investment label that number generates investment project.
4. the determination method of investment project as claimed in claim 3, which is characterized in that described according to the industry, the wealth
The throwing for the data, the project operation plan, the Project Investment Risk grade and investment amount generation investment project of being engaged in
Provide label the step of include:
The history investment project record of the corresponding investment project side of the investment project is obtained, and determines the profit of the industry
Situation;
The project risk grade is corrected according to the profit situation of history investment project record and the industry;
According to the financial data, the project operation plan, the modified Project Investment Risk grade and the investment
Number generates the investment label of investment project.
5. the determination method of investment project as described in claim 1, which is characterized in that described to be generated according to the user information
After the step of investment label of user, further include:
The Permission Levels of the user are determined according to the user information;
The determining and matched multiple investment projects of the Permission Levels, and execute the investment label for obtaining each investment project
The step of.
6. the determination method of investment project as claimed in claim 5, which is characterized in that the Permission Levels include common permission
And special access right, the investment project include high level of investment project and common investment project, the determination and the permission
The step of multiple investment projects of ratings match includes:
It prescribes a time limit for equity stock in the Permission Levels of the user, the common investment project is opened to the user;
When the Permission Levels of the user are special access right, the common investment project and advanced throwing are opened to the user
Money project.
7. the determination method of investment project as claimed in any one of claims 1 to 6, which is characterized in that the item label corresponds to
Investment project as investment project matched with the user the step of after, further include:
Pushed information is generated according to the investment project, and exports the pushed information.
8. a kind of determining device of investment project, which is characterized in that the determining device of the investment project includes memory, processing
Device and the determination program of investment project that is stored in the memory and can run on the processor, the investment project
Determination program the step of the determination method such as claim 1-7 any one of them investment projects is realized when being executed by processor
Suddenly.
9. a kind of terminal, which is characterized in that the terminal includes memory, processor and is stored in the memory and can be
The determination program of the investment project run on the processor, the determination program of the investment project are realized when being executed by processor
As claim 1-7 any one of them investment projects determination method the step of.
10. a kind of readable storage medium storing program for executing, which is characterized in that the readable storage medium storing program for executing is stored with the determination program of investment project,
It is realized such as claim 1-7 any one of them investment project really when the determination program of the investment project is executed by processor
The step of determining method.
Priority Applications (1)
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CN201810375933.7A CN108681969A (en) | 2018-04-24 | 2018-04-24 | Terminal, the determination method of investment project and its device and readable storage medium storing program for executing |
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CN201810375933.7A CN108681969A (en) | 2018-04-24 | 2018-04-24 | Terminal, the determination method of investment project and its device and readable storage medium storing program for executing |
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Family
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CN111125566A (en) * | 2019-12-11 | 2020-05-08 | 贝壳技术有限公司 | Information acquisition method and device, electronic equipment and storage medium |
CN113011972A (en) * | 2021-04-28 | 2021-06-22 | 阜阳市星启链数据科技有限公司 | Financial security transaction system based on supply chain |
CN114663045A (en) * | 2022-02-28 | 2022-06-24 | 国网福建省电力有限公司 | Project marking and early warning system and method based on project direction-throwing label |
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CN111125566B (en) * | 2019-12-11 | 2021-08-31 | 贝壳找房(北京)科技有限公司 | Information acquisition method and device, electronic equipment and storage medium |
CN113011972A (en) * | 2021-04-28 | 2021-06-22 | 阜阳市星启链数据科技有限公司 | Financial security transaction system based on supply chain |
CN113011972B (en) * | 2021-04-28 | 2022-05-31 | 中数智创科技有限公司 | Financial security transaction system based on supply chain |
CN114663045A (en) * | 2022-02-28 | 2022-06-24 | 国网福建省电力有限公司 | Project marking and early warning system and method based on project direction-throwing label |
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