CN109377390A

CN109377390A - Endowment methods of risk assessment and device

Info

Publication number: CN109377390A
Application number: CN201811102768.4A
Authority: CN
Inventors: 黄起生
Original assignee: Alibaba Group Holding Ltd
Current assignee: Advanced New Technologies Co Ltd
Priority date: 2018-09-20
Filing date: 2018-09-20
Publication date: 2019-02-22

Abstract

This specification embodiment provides a kind of endowment methods of risk assessment and device, this method comprises: obtaining the consumption information of target user, and obtains the endowment insurance total amount of target user；Wherein, above-mentioned consumption information includes the consumption total amount of target user in setting time length；The endowment risk of target user is assessed according to preset risk assessment strategies according to the consumption total amount and endowment insurance total amount of target user；According to assessment result, the prompt information of the endowment risk for target user is generated.

Description

Endowment methods of risk assessment and device

Technical field

This application involves technical field of data processing more particularly to a kind of endowment methods of risk assessment and device.

Background technique

Endowment insurance be for solve labourer reach national regulation releasing labour obligation labour-age boundary or because Basic living that old disability exits behind labour post and a kind of social security system established.

After the endowment insurance of user, which pays the time limit, reaches the requirement time limit, after exiting labour post, can monthly it get The endowment insurance of certain amount of money.But whether the endowment insurance monthly got of user can support current consumption, the user of user It is supported parents by endowment insurance and whether will appear endowment risk etc., these are all unknown, and generally of interest for user The problem of.

Therefore, it is necessary to propose a kind of scheme, user's endowment risk is assessed with realizing.

Summary of the invention

The purpose of this specification embodiment is to provide a kind of endowment methods of risk assessment and device, disappearing based on target user Charge information and endowment insurance total amount assess the endowment risk of target user, realize the endowment risk to target user Assessment the consumption information of target user is taken into account and when the endowment risk to target user is assessed so that For assessment result closer to the actual conditions of target user, the referential of assessment result is larger；Also, it also generates and is directed to target user Endowment risk prompt information, convenient for user be directed to it can happen that, take measures in advance.

In order to solve the above technical problems, this specification embodiment is achieved in that

This specification embodiment provides a kind of endowment methods of risk assessment, comprising:

The consumption information of target user is obtained, and obtains the endowment insurance total amount of the target user；Wherein, described Consumption information includes: the consumption total amount of the target user in setting time length；

According to the consumption total amount and the endowment insurance total amount, according to preset risk assessment strategies, to described The endowment risk of target user is assessed；

According to assessment result, the prompt information of the endowment risk for the target user is generated.

This specification embodiment additionally provides a kind of endowment risk assessment device, comprising:

Module is obtained, obtains the consumption information of target user, and obtain the endowment insurance total amount of the target user； Wherein, the consumption information includes: the consumption total amount of the target user in setting time length；

Evaluation module, according to the consumption total amount and the endowment insurance total amount, according to preset risk assessment plan Slightly, the endowment risk of the target user is assessed；

Generation module generates the prompt information of the endowment risk for the target user according to assessment result.

This specification embodiment additionally provides a kind of endowment risk assessment equipment, comprising:

Processor；And

It is arranged to the memory of storage computer executable instructions, the executable instruction makes the place when executed Manage device:

This specification embodiment additionally provides a kind of storage medium, described to hold for storing computer executable instructions Following below scheme is realized in row instruction when executed:

Technical solution in the present embodiment, consumption information and endowment insurance total amount based on target user are to target user Endowment risk assessed, realize the assessment of the endowment risk to target user, and in the endowment wind to target user When danger is assessed, the consumption information of target user is taken into account, so that practical feelings of the assessment result closer to target user The referential of condition, assessment result is larger；Also, the prompt information for also generating the endowment risk for target user, is convenient for user For it can happen that, take measures in advance.

Detailed description of the invention

In order to illustrate more clearly of this specification embodiment or technical solution in the prior art, below will to embodiment or Attached drawing needed to be used in the description of the prior art is briefly described, it should be apparent that, the accompanying drawings in the following description is only Some embodiments as described in this application, for those of ordinary skill in the art, before not making the creative labor property It puts, is also possible to obtain other drawings based on these drawings.

Fig. 1 is one of the method flow diagram for the endowment methods of risk assessment that this specification embodiment provides；

Fig. 2 is that it is always golden to obtain target user's endowment insurance in the endowment methods of risk assessment that this specification embodiment provides The flow diagram of volume；

Fig. 3 is to assess the interface schematic diagram at interface in the endowment methods of risk assessment that this specification embodiment provides；

Fig. 4 is the two of the method flow diagram for the endowment methods of risk assessment that this specification embodiment provides；

Fig. 5 is the three of the method flow diagram for the endowment methods of risk assessment that this specification embodiment provides；

Fig. 6 is the module composition schematic diagram for the endowment risk assessment device that this specification embodiment provides；

Fig. 7 is the structural schematic diagram for the endowment risk assessment equipment that this specification embodiment provides.

Specific embodiment

In order to make those skilled in the art better understand the technical solutions in the application, below in conjunction with this specification Attached drawing in embodiment is clearly and completely described the technical solution in this specification embodiment, it is clear that described Embodiment is merely a part but not all of the embodiments of the present application.Based on the embodiment in the application, this field Those of ordinary skill's every other embodiment obtained without creative efforts, all should belong to the application The range of protection.

The thought of this specification embodiment is, obtains the consumption information of target user, the consumption letter based on target user Breath and endowment insurance total amount assess the endowment risk of target user, realize the assessment to endowment risk, and lead to The real consumption information for crossing reference target user carries out the assessment of endowment risk, so that assessment result more meets the practical feelings of user The referential of condition, assessment result is larger.Based on this, this specification embodiment provide a kind of endowment methods of risk assessment, device, Equipment and storage medium.

It is following that the endowment methods of risk assessment, device, equipment and deposit that this specification embodiment provides will be discussed in detail one by one Storage media.

Fig. 1 is one of the method flow diagram for the endowment methods of risk assessment that this specification embodiment provides, side shown in FIG. 1 Method includes at least following steps:

Step 102, the consumption information of target user is obtained, and obtains the endowment insurance total amount of target user；Wherein, Above-mentioned consumption information includes: the consumption total amount of target user in setting time length.

Wherein, above-mentioned setting time length can be 1 year, any times length such as half a year, six months, when above-mentioned setting Between the specific value of length can be defined according to practical application scene, this specification embodiment is not to above-mentioned setting time The specific value of length is defined.

The method that this specification embodiment provides can be applied to server side, i.e. the executing subject of this method can be clothes Business device, the specific endowment risk assessment device to be set on server.In general, being submitted when receiving user by terminal Endowment risk assessment request after, from the own database of server or other associated platforms can be linked to collect mesh Consumption details of the user in setting time length are marked, the consumption details based on the target user searched determine target user Consumption total amount in setting time length.

Specifically, the endowment insurance for also carrying target user in the endowment risk assessment request that target user sends is paid Relevant information can also support after server receives the endowment risk assessment request of target user's transmission according to entrained The endowment insurance total amount that relevant information estimates out target user is paid in old insurance.

Step 104, right according to the risk assessment strategies of setting according to above-mentioned consumption total amount and endowment insurance total amount The endowment risk of target user is assessed.

It, can be by comparing target user monthly spending amount and the monthly insurance money got in this specification embodiment The mode of volume assesses the endowment risk of target user.

Step 106, according to assessment result, the prompt information of the endowment risk for target user is generated.

Specifically, above-mentioned assessment result generally comprises, there is endowment risk in target user and endowment wind is not present in target user The two kinds of situations in danger, in step 106, the prompt information then generated for different assessment results is also different.If above-mentioned assessment As a result there is endowment risk in instruction target user, and the prompt information of the endowment risk generally generated can be believed with nest egg Risk-warning Breath, endowment advisory information etc.；If there is no endowment risks by above-mentioned assessment result instruction target user, assessment can generally be tied Prompt information output of the fruit as endowment risk.

The endowment methods of risk assessment that this specification embodiment provides, consumption information and endowment insurance based on target user Total amount assesses the endowment risk of target user, realizes the assessment to endowment risk, and use by reference to target The real consumption information at family carries out the assessment of endowment risk, so that assessment result more meets the actual conditions of user, assessment result Referential it is larger.

Following specific implementation processes that will be described in detail above-mentioned each step.

Wherein, in above-mentioned steps 102, the endowment insurance total amount of target user is obtained, is specifically comprised the following steps, such as Shown in Fig. 2；

Step 1022 pays relevant information according to the endowment insurance of target user, determines that target user has paid feeding Old insured amount；Wherein, it includes: that pay radix, endowment insurance paid for endowment insurance that above-mentioned endowment insurance, which pays relevant information, The time limit and endowment insurance pay address；

Step 1024, radix is paid according to above-mentioned endowment insurance, above-mentioned endowment insurance pays the gender of address, target user And the age, estimate target user's endowment insurance amount of money to be paid before retirement；

The endowment insurance amount of money and the endowment insurance amount of money to be paid that step 1026, calculating target user have paid are produced Raw interest；

Step 1028, the endowment insurance amount of money that target user has been paid, target user endowment insurance money to be paid The endowment insurance total amount for being determined as target user with value of volume and above-mentioned interest；

Wherein, target user has paid the endowment insurance amount of money, target user the endowment insurance amount of money to be paid wrap It includes the personal endowment insurance amount of money paid and unit pays the endowment insurance amount of money.

In a specific embodiment, if target user can not obtain the endowment insurance that personal and unit is monthly paid The amount of money can then carry the essential informations such as personal gender, age in the endowment risk assessment of transmission request, and endowment is protected Danger pays the paid time limit of radix, endowment insurance and endowment insurance pays the endowment insurances such as address and pays relevant information.

Specifically, entity and individual can be determined by paying address according to target user's endowment insurance in step 1022 The endowment insurance ratio paid.Therefore, in step 1022, endowment insurance can be calculated and pay radix, endowment insurance individual The product for paying ratio and the paid time limit of endowment insurance protects the endowment that the product has been paid as target user individual The dangerous amount of money；In addition, calculating, endowment insurance pays radix, endowment insurance unit pays ratio and the paid time limit of endowment insurance Product, the endowment insurance amount of money which has been paid as target user's unit；Finally, target user individual has been paid The endowment insurance amount of money that the endowment insurance amount of money received has been paid with target user's unit and value it is paid as target user The endowment insurance amount of money.

Alternatively, can also directly by endowment insurance pay radix × (individual pays ratio+unit and pays ratio) × support The mode that the time limit is paid in old insurance calculates the paid-up endowment insurance amount of money of target user.

It should be noted that in carrying out calculating process, endowment insurance pays time limit needs in this specification embodiment Months are converted into be calculated.

In step 1024, according to the gender of target user and age, the retirement of target user's distance can be determined also How many months.Then endowment insurance pays radix, endowment insurance individual pays ratio and multiplying apart from pensioner's months for calculating Product, using the product as before target user's retirement, individual expects the endowment insurance amount of money paid；It calculates endowment insurance and pays base Number, endowment insurance unit pay ratio and the product apart from pensioner's months, using the product as target user retirement before, singly The estimated endowment insurance amount of money paid in position；By the personal estimated endowment insurance amount of money paid and the estimated endowment insurance paid of unit The amount of money and the value endowment insurance amount of money to be paid as target user.

Alternatively, in step 1024, radix × (individual pays ratio+unit and pays can also be paid by endowment insurance Ratio) × apart from pensioner's months, calculate target user's endowment insurance amount of money to be paid.

The endowment insurance amount of money that target user has paid is being calculated by step 1022 and step 1024 and wait pay The annuity insurance amount of money after, can as unit of year by it is multiple benefit in the way of calculate the endowment insurance amount of money paid and to Interest caused by the endowment insurance amount of money paid.In the specific implementation, the endowment insurance paid every year can be calculated separately Generated interest, finally will it is annual caused by interest and value as the endowment insurance amount of money paid and to be paid Interest caused by the endowment insurance amount of money.

Since the prior art has existed in such a way that multiple benefit figures interest, its specific calculating that details are not described herein again Process.

Finally, the sum of the endowment insurance amount of money, the endowment insurance amount of money to be paid and interest target user paid Value, the endowment insurance total amount as target user.

For ease of understanding, following to be illustrated citing.

For example, the essential information of target user is as follows: male, 50 one full year of life, endowment insurance pay 4000 yuan of radix, Pay that 20 years endowment insurances, 60 one full year of life of retirement age, endowment insurance individual pays ratio 8%, company pays ratio 12%.

The then endowment insurance amount of money that target user individual has paid are as follows:

4000 × 8% × 20 × 12=76800

The endowment insurance amount of money that target user's unit has been paid are as follows:

4000 × 12% × 20 × 12=115200

Therefore, the endowment insurance amount of money that target user has paid are as follows: 115200+76800=192000.

Before target user's retirement, the endowment insurance amount of money that target user individual also needs to pay are as follows:

4000 × 8% × 10 × 12=38400

Before target user's retirement, the endowment insurance amount of money that target user's unit also needs to pay are as follows:

4000 × 12% × 10 × 12=57600

Therefore, before target retirement, target user's endowment insurance amount of money to be paid are as follows: 38400+57600=96000； The endowment insurance amount of money that target user pays altogether before retirement are as follows: 288000 yuan.

The endowment insurance (personal and unit) that target user known to calculating pays every year are as follows: 9600 yuan.

Then by way of multiple benefit, when arriving user's retirement, interest caused by the endowment insurance that user pays every year will The interest for the endowment insurance paid every year and the endowment insurance amount of money paid as target user and endowment to be paid Interest caused by insured amount.

Finally, by 288000 yuan and endowment insurance total amount generated interest and that value is as target user.

Certainly, above-mentioned only describe calculates the paid endowment insurance amount of money of target user and the endowment insurance amount of money to be paid One way in which, in addition to this, if the endowment insurance amount of money and list that the available individual of target user monthly pays The endowment insurance amount of money that position is monthly paid；It can also directly by personal monthly premium received and unit, monthly premium received carries and exists Server is sent in endowment risk assessment request.In this way, when calculating the endowment insurance total amount of target user, it can be direct The endowment that target user has paid is calculated multiplied by the mode in the month paid using the endowment insurance amount of money monthly paid Insured amount uses the endowment insurance amount of money monthly paid to wait paying as target user apart from pensioner's months multiplied by target user The endowment insurance amount of money received.

Alternatively, can also be directly linked to endowment after receiving the endowment risk assessment request of target user's transmission and protect The endowment insurance that mechanism acquisition target user is paid in danger pays relevant information etc..

Certainly, above-mentioned only exemplary introduce calculates the endowment insurance amount of money paid of target user and to be paid supports The detailed process of old insured amount calculates the endowment insurance amount of money and the endowment insurance amount of money to be paid that target user has paid Calculation be not limited thereto, this specification embodiment not to calculating paid the endowment insurance amount of money and wait pay it is feeding The mode of old insured amount is defined.

Specifically, at step 104, according to consumption total amount and endowment insurance total amount, according to the risk assessment of setting Strategy assesses the endowment risk of target user, includes at least following steps one, step 2 and step 3；

Step 1: determining the average spending amount monthly of target user according to above-mentioned consumption total amount；

Step 2: calculating the endowment insurance money that target user monthly gets according to the endowment insurance total amount of target user Volume；

Step 3: the endowment insurance amount of money monthly got according to the average spending amount and target user monthly of target user Between ratio, determine target user with the presence or absence of endowment risk.

Wherein, step 1 in the specific implementation, can calculate the average consumption monthly of target user by following formula The amount of money；

Wherein, in above-mentioned formula, S_AlwaysIndicate the consumption total amount in setting time length, M indicates setting time length The months for being included, S indicate the average spending amount monthly of target user.

For example, it is 10,000 yuan that target user consumes total amount in 5 months time spans, then it can be with by above-mentioned formula Calculating the spending amount that target user is averaged every month is 2000 yuan.

Preferably, in order to calculate simplicity, the value of above-mentioned setting time length generally chooses multiple the whole month numbers, e.g., two Moon, three months, four months etc.；Certainly, the value of setting time length is not limited thereto, if setting time length is not The whole month number then can also be used as target multiplied by one month number of days (30 days desirable) by calculating average daily spending amount The average spending amount monthly of user.

A kind of specific implementation process for calculating the average spending amount monthly of target user is enumerated in above-mentioned instruction, calculates target The specific implementation process of the average spending amount monthly of user is not limited thereto, and other to calculate target user average monthly The specific implementation of spending amount can be applied to this specification embodiment.

In above-mentioned steps two, the endowment insurance amount of money that target user monthly gets can be calculated according to the following formula；

Wherein, in above-mentioned formula, P indicates the endowment insurance amount of money that target user monthly gets, P_AlwaysIndicate target user Endowment insurance total amount, N indicate target user corresponding to endowment insurance meter send out months.

It should be noted that endowment insurance meter hair months be generally target user from the retirement age to the average life span age it Between month quantity.For example, 60 one full year of life of target user is retired, endowment insurance meter hair months are generally 139 months.

In above-mentioned steps three, the average spending amount and target monthly of target user can be calculated by following formula and is used The ratio between the endowment insurance amount of money that family is monthly got；

Wherein, in above-mentioned formula, Z indicates what the average spending amount and target user monthly of target user was monthly got Ratio between the endowment insurance amount of money.

Specifically, may is that when determining target user with the presence or absence of endowment risk according to above-mentioned ratio

Judge whether above-mentioned ratio is greater than or equal to given threshold；If so, determining that target user has endowment risk.

In the specific implementation, above-mentioned given threshold can be set as 1, if above-mentioned ratio is greater than 1, then illustrates that target is used The average spending amount monthly in family is greater than the endowment insurance amount of money that target user monthly gets, in that case, target user The endowment insurance amount of money monthly got is not enough to the expenditure of support target user monthly, i.e. target user has endowment risk；If It is that above-mentioned ratio is less than or equal to 1, then illustrates that the endowment insurance amount of money that target user monthly gets can be every with support target user There is no endowment risks for the expenditure of the moon, i.e. target user.

Certainly, in this specification embodiment, there is such case of endowment risk for target user, can also be arranged Multiple risk class.Specifically, ratio section corresponding to each risk class can be set, by by ratio and each ratio Section is compared, it can be deduced that risk class corresponding to the endowment risk of target user.

In this specification embodiment, is supported parents risk class corresponding to risk, be can be generated and mesh by determining user The endowment suggestion that the mark affiliated risk class of user matches.

Specifically, the prompt information of the endowment risk for target user of generation can be feeding in above-mentioned steps 106 Old Risk-warning information；

Correspondingly, generating the prompt information of the endowment risk for target user, tool according to assessment result in step 106 Body includes:

If there is endowment risk in above-mentioned assessment result instruction target user, it is determined that the endowment that target user monthly gets is protected Amount between the dangerous amount of money and the average spending amount monthly of target user is poor；Above-mentioned amount difference is determined into nest egg Risk-warning Information sends it to the terminal of target user to be shown.

It is appreciated that the endowment insurance amount of money generally monthly got as target user is less than average the disappearing monthly of target user When taking the amount of money, then it is assumed that at this moment target user, which has endowment risk, can get information about for the ease of target user and currently deposit Endowment risk status, endowment Risk-warning information can be taked the above difference as be sent to the terminal of target user and open up Show.

For example, the endowment insurance amount of money that target user monthly gets is 3000 yuan, the average consumption gold monthly of target user Volume is 8000 yuan, then can determine, the endowment insurance amount of money that target user monthly gets and average spending amount monthly it Between amount difference be 5000 yuan." endowment insurance distance monthly consumes also poor 5000 yuan " can be used as endowment Risk-warning information Show target user.

In the specific implementation, in above-mentioned steps 106, the prompt information of the endowment risk for target user of generation can be with Are as follows: consumption advisory information；

Correspondingly, according to assessment result, generating the prompt information of the endowment risk for target user, tool in step 106 Body includes the following steps (1), step (2) and step (3)；

Step (1) if, above-mentioned assessment result instruction target user exist endowment risk, obtain the multiple of target user and disappear Take the consumption information of type；

Step (2), screening meets the target consumer information of preset condition from the consumption information of multiple consumption types；Its In, the spending amount of target consumer information is greater than the spending amount threshold value of corresponding consumption type；

Step (3) generates corresponding consumption suggestion based on target consumer information, and to reduce, target consumer information is corresponding to disappear Take the amount of money.

In the bright book embodiment of this institute, in a step 102, the consumption information of the target user of acquisition further includes target user Consumption details.It therefore,, can be with when obtaining the consumption information of multiple consumption types of target user in above-mentioned steps (1) Classify to each consumption details of target user, obtains the consumption information of every kind of consumption type.Specifically, can be by right Consumption details carry out the mode of semantic analysis, and it is daily corresponding to filter out consumption information corresponding to traffic trip, life respectively Consumption information, consumption information and house payment corresponding to consumption information, shopping online corresponding to diet it is corresponding Consumption information corresponding to multiple consumption types such as consumption information.

Specifically, consumption information corresponding to above-mentioned every kind of consumption type may include specific consumption pattern, consumption place, The information such as consumption time, spending amount.

Wherein, in above-mentioned steps (2), spending amount threshold value be can be according to most users in the flat of the consumption type Set by equal spending limit；If the consumption total amount of a certain consumption type of target user is greater than spending amount threshold value, then Corresponding consumption can be generated for this consumption type to suggest.

Specifically, generating corresponding consumption in above-mentioned steps (3) based on target consumer information and suggesting, specifically include: really Spending amount corresponding to consumption pattern and every kind of consumption pattern in the consumption information that sets the goal；For every kind of consumption pattern, Determine whether there is new consumption pattern；Wherein, spending amount corresponding to above-mentioned new consumption pattern is lower than the consumption pattern Spending amount；If it exists, then new consumption pattern is determined as to the consumption suggestion for target consumer information.

The specific implementation thinking of above-mentioned steps (3) is then the suggestion target user consumer relatively low using spending amount Formula substitutes original consumption pattern.For example, if above-mentioned target consumer information is traffic trip consumption information, if current goal User is taxi in this incity travel modal, then can suggest that target user takes subway or bus trip, To reduce spending amount；If target user is trans-city or travel modal transprovincially is aircraft, then it can suggest target User, which uses instead, takes the trip of the modes of transportation such as high-speed rail.

In addition, in this specification embodiment, it is raw in step 106 other than establishing target user and changing consumption pattern At prompt information can also include: endowment financing advisory information；

Correspondingly, in above-mentioned steps 106, it is above-mentioned according to assessment result, generate the endowment risk for being directed to target user Prompt information specifically includes: if above-mentioned assessment result instruction target user has endowment risk, obtaining the investment of target user Preference information；Investment preference information based on target user, the endowment financing generated for target user are suggested；Wherein, above-mentioned Endowment financing is suggested including at least endowment finance product.

In this specification embodiment, the finance product that can once or be currently bought according to target user determines mesh The investment preference information of user is marked, for example, target user is to belong to conservative, golden mean of the Confucian school type or radical type etc., is used based on target The investment preference information at family recommends suitable endowment finance product to target user.

It should be noted that after the endowment risk to target user is assessed, being needed in this specification embodiment The terminal that assessment result and prompt information generated are sent to target user is showed into target to show target user A kind of surface chart at the endowment risk assessment interface of user is as shown in Figure 3.

In surface chart shown in Fig. 3, the information shown includes the assessment result of target user, endowment Risk-warning letter The consumption information of breath and target user；Also, it is additionally provided with endowment advisory information and checks link, " looked into when target user clicks See that endowment is suggested " when, it can show on the surface for the endowment suggestion of target user or direct frame-skipping to suggestion of supporting parents Interface.

Certainly, Fig. 3 is exemplary illustration, shows the particular content at endowment risk assessment interface of target user not It is confined to this.

Fig. 4 is shown shown in two, Fig. 4 of the method flow diagram of the endowment methods of risk assessment of this specification embodiment offer Method, include at least following steps:

Step 402, the endowment risk assessment request that target user sends is received；Wherein, target use is carried in the request Gender, age and the endowment insurance at family pay relevant information.

Wherein, the endowment insurance that above-mentioned endowment insurance pays that relevant information may include target user pays address, endowment Radix is paid in insurance and endowment insurance pays the time limit.

Step 404, consumption information of the target user in setting time length is collected, and determines that target user is average monthly Spending amount.

Step 406, relevant information is paid according to the gender of target user, age and endowment insurance and determines supporting for target user Old insurance total amount, and calculate the endowment insurance amount of money that target user monthly gets.

Specific determination process can refer to embodiment corresponding to Fig. 1 to Fig. 3, and details are not described herein again.

Step 408, the ratio of target user's average spending amount monthly and the endowment insurance amount of money monthly got is calculated.

Step 410, judge whether above-mentioned ratio is greater than given threshold；If so, 412 are thened follow the steps, it is no to then follow the steps 414。

Wherein, above-mentioned given threshold can be 1.

Step 412, the endowment advisory information of the endowment risk for target user is generated, and is sent to target user.

Step 414, there is no the assessment results of endowment risk by output target user.

Wherein, the specific implementation process of each step can refer to implementation corresponding to Fig. 1 to Fig. 3 in embodiment corresponding to Fig. 4 Example, details are not described herein again.

In another way of example, if user understands the endowment insurance amount of money oneself currently paid, with And monthly personal premium received and monthly unit premium received, the method that this specification embodiment provides include the following steps, such as Shown in Fig. 5.

Step 502, the endowment risk assessment request that target user sends is received；Wherein, it carries and has paid in the request The endowment insurance amount of money, the monthly personal endowment insurance amount of money paid and the endowment insurance amount of money that monthly unit is paid received；And It further include age, the gender of target user.

Step 504, the consumption information for collecting target user determines the average spending amount monthly of target user.

Step 506, according to target user's endowment insurance amount of money that monthly individual pays, the endowment insurance that monthly unit is paid The amount of money, the age of target user and gender calculate target user's endowment insurance amount of money to be paid.

Step 508, it calculates caused by the paid-up endowment insurance amount of money of target user, the endowment insurance amount of money to be paid Interest.

Step 510, by the paid-up endowment insurance amount of money of target user, the endowment insurance amount of money to be paid and produced Interest and value be determined as the endowment insurance total amount of target user.

Step 512, according to the endowment insurance total amount of target user, the endowment insurance money that target user monthly gets is calculated Volume.

Step 514, the endowment insurance money that the average spending amount and target user monthly of target user is monthly got is calculated The ratio of volume.

Step 516, judge whether above-mentioned ratio is greater than given threshold；It is no to then follow the steps if so then execute step 518 520。

Wherein, above-mentioned given threshold can be 1.

Step 518, the endowment advisory information of the endowment risk for target user is generated, and is sent to target user.

Step 520, there is no the assessment results of endowment risk by output target user.

Wherein, the specific implementation process of each step can refer to implementation corresponding to Fig. 1 to Fig. 3 in embodiment corresponding to Fig. 5 Example, details are not described herein again.

The endowment methods of risk assessment that this specification embodiment provides, consumption information and endowment insurance based on target user Total amount assesses the endowment risk of target user, realizes the assessment of the endowment risk to target user, and right When the endowment risk of target user is assessed, the consumption information of target user is taken into account so that assessment result closer to The referential of the actual conditions of target user, assessment result is larger；Also, also generate mentioning for the endowment risk for being directed to target user Show information, convenient for user be directed to it can happen that, take measures in advance.

Corresponding to the endowment methods of risk assessment that this specification embodiment provides, it is based on identical thinking, this specification is real It applies example and additionally provides a kind of endowment risk assessment device, for executing the endowment risk assessment side of this specification embodiment offer Method.Fig. 6 is the module composition schematic diagram for the endowment risk assessment device that this specification embodiment provides, device shown in fig. 6, packet It includes:

Module 601 is obtained, obtains the consumption information of target user, and obtain the endowment insurance total amount of target user； Wherein, consumption information includes: the consumption total amount of target user in setting time length；

Evaluation module 602, it is right according to preset risk assessment strategies according to consumption total amount and endowment insurance total amount The endowment risk of target user is assessed；

Generation module 603 generates the prompt information of the endowment risk for target user according to assessment result.

Optionally, above-mentioned prompt information includes: endowment Risk-warning information；

Above-mentioned generation module 603, comprising:

First determination unit, if assessment result instruction target user has endowment risk, it is determined that target user monthly leads Amount between the endowment insurance amount of money taken and the average spending amount monthly of target user is poor；

Amount difference is determined nest egg Risk-warning information by the second determination unit；

Endowment Risk-warning information is sent to the terminal of target user to be shown by transmission unit.

Optionally, above-mentioned prompt information includes: consumption advisory information；

Above-mentioned generation module 603, further includes:

First acquisition unit obtains the multiple of target user if assessment result instruction target user has endowment risk The consumption information of consumption type；

Screening unit, screening meets the target consumer information of preset condition from the consumption information of multiple consumption types；Its In, the spending amount of target consumer information is greater than the spending amount threshold value of corresponding consumption type；

First generation unit generates corresponding consumption based on target consumer information and suggests, to reduce target consumer information pair The spending amount answered.

Optionally, above-mentioned first generation unit, is specifically used for:

Determine spending amount corresponding to the consumption pattern and every kind of consumption pattern in target consumer information；For every kind Consumption pattern, it is determined whether there are new consumption patterns；Wherein, spending amount corresponding to new consumption pattern is lower than the consumption The spending amount of mode；If it exists, then new consumption pattern is determined as to the consumption suggestion for target consumer information.

Optionally, above-mentioned prompt information further include: endowment financing advisory information；

Above-mentioned generation module 603, further includes:

Second acquisition unit obtains the investment of target user if assessment result instruction target user has endowment risk Preference information；

Second generation unit, the investment preference information based on target user, the endowment financing generated for target user are built View；Wherein, endowment financing is suggested including at least endowment finance product.

Optionally, above-mentioned evaluation module 602, comprising:

Third determination unit determines the average spending amount monthly of target user according to consumption total amount；

Computing unit calculates the endowment insurance that target user monthly gets according to the endowment insurance total amount of target user The amount of money；

4th determination unit is protected according to the endowment that the average spending amount and target user monthly of target user is monthly got Ratio between the dangerous amount of money determines target user with the presence or absence of endowment risk.

Optionally, above-mentioned 4th determination unit, is specifically used for:

Judge whether ratio is greater than or equal to given threshold；If so, determining that target user has endowment risk.

Optionally, above-mentioned acquisition module 601 has and is used for:

Relevant information is paid according to the endowment insurance of target user, determines the endowment insurance money that target user has paid Volume；Wherein, it includes: that endowment insurance pays the paid time limit of radix, endowment insurance and endowment guarantor that endowment insurance, which pays relevant information, Pay address in danger；Pay radix according to endowment insurance, endowment insurance pays address, the gender of target user and age, estimate mesh Mark user's endowment insurance amount of money to be paid before retirement；Calculate the endowment insurance amount of money paid of target user and wait pay The endowment insurance amount of money caused by interest；The endowment insurance amount of money that target user has been paid, target user are to be paid The endowment insurance total amount for being determined as target user with value of the endowment insurance amount of money and interest；

The specific reality of modules in the endowment risk assessment device that this specification embodiment provides, function corresponding to unit Existing process is identical as the specific implementation process of each step in embodiment corresponding to above-mentioned endowment methods of risk assessment, therefore, this Modules in specification embodiment, function corresponding to unit specific implementation process can refer to above method embodiment, herein It repeats no more.

The endowment risk assessment device of this specification embodiment can also carry out risk assessment device of supporting parents in Fig. 1-Fig. 5 and execute Method, and realize endowment risk assessment device in Fig. 1-embodiment illustrated in fig. 5 function, details are not described herein.

The endowment risk assessment device that this specification embodiment provides, consumption information and endowment insurance based on target user Total amount assesses the endowment risk of target user, realizes the assessment of the endowment risk to target user, and right When the endowment risk of target user is assessed, the consumption information of target user is taken into account so that assessment result closer to The referential of the actual conditions of target user, assessment result is larger；Also, also generate mentioning for the endowment risk for being directed to target user Show information, convenient for user be directed to it can happen that, take measures in advance.

Further, based on above-mentioned Fig. 1 to method shown in fig. 5, this specification embodiment additionally provides a kind of endowment wind Dangerous assessment equipment, as shown in Figure 7.

Endowment risk assessment equipment can generate bigger difference because configuration or performance are different, may include one or one A above processor 701 and memory 702 can store one or more storage application programs in memory 702 Or data.Wherein, memory 702 can be of short duration storage or persistent storage.The application program for being stored in memory 702 can wrap One or more modules (diagram is not shown) are included, each module may include to a series of in endowment risk assessment equipment Computer executable instructions.Further, processor 701 can be set to communicate with memory 702, in endowment risk assessment The series of computation machine executable instruction in memory 702 is executed in equipment.Risk assessment equipment of supporting parents can also include one Or more than one power supply 703, one or more wired or wireless network interfaces 704, one or more input and output Interface 705, one or more keyboards 706 etc..

In a specific embodiment, endowment risk assessment equipment include memory and one or more Program, perhaps more than one program is stored in memory and one or more than one program may include for one of them One or more modules, and each module may include executable to the series of computation machine in endowment risk assessment equipment Instruction, and be configured to execute this or more than one program by one or more than one processor to include for carrying out Following computer executable instructions:

The consumption information of target user is obtained, and obtains the endowment insurance total amount of target user；Wherein, above-mentioned consumption Information includes: the consumption total amount of target user in setting time length；

According to above-mentioned consumption total amount and endowment insurance total amount, according to preset risk assessment strategies, to target user Endowment risk assessed；

According to assessment result, the prompt information of the endowment risk for target user is generated.

Optionally, when executed, above-mentioned prompt information includes: endowment Risk-warning information to computer executable instructions；

According to assessment result, the step of generating the prompt information for the endowment risk of target user, comprising:

If there is endowment risk in above-mentioned assessment result instruction target user, it is determined that the endowment that target user monthly gets is protected Amount between the dangerous amount of money and the average spending amount monthly of target user is poor；

Above-mentioned amount difference is determined as above-mentioned endowment Risk-warning information, sends it to the terminal of target user to carry out It shows.

Optionally, computer executable instructions when executed, above-mentioned prompt information further include: consumption advisory information；

It is above-mentioned according to assessment result, the step of generating the prompt information for the endowment risk of target user, comprising:

If above-mentioned assessment result instruction target user has endowment risk, multiple consumption types of target user are obtained Consumption information；

Screening meets the target consumer information of preset condition from the consumption information of above-mentioned multiple consumption types；Wherein, on The spending amount for stating target consumer information is greater than the spending amount threshold value of corresponding consumption type；

It generates corresponding consumption based on target consumer information to suggest, to reduce the corresponding spending amount of target consumer information.

Optionally, computer executable instructions are when executed, above-mentioned to generate corresponding consumption based on target consumer information It is recommended that the step of, comprising:

Determine spending amount corresponding to the consumption pattern and every kind of above-mentioned consumption pattern in target consumer information；

For every kind of above-mentioned consumption pattern, it is determined whether there are new consumption patterns；Wherein, above-mentioned new consumption pattern institute Corresponding spending amount is lower than the spending amount of the consumption pattern；

If it exists, then above-mentioned new consumption pattern is determined as to the consumption suggestion for target consumer information.

Optionally, computer executable instructions when executed, above-mentioned prompt information further include: endowment financing recommendation letter Breath；

If above-mentioned assessment result instruction target user has endowment risk, the investment preference information of target user is obtained；

Investment preference information based on target user, the endowment financing generated for target user are suggested；Wherein, above-mentioned to support Old financing is suggested including at least endowment finance product.

Optionally, computer executable instructions are when executed, above-mentioned total according to above-mentioned consumption total amount and endowment insurance The amount of money, according to preset risk assessment strategies, the step of assessment the endowment risk of target user, comprising:

According to above-mentioned consumption total amount, the average spending amount monthly of target user is determined；

According to the endowment insurance total amount of target user, the endowment insurance amount of money that target user monthly gets is calculated；

Between the endowment insurance amount of money monthly got according to the average spending amount and target user monthly of target user Ratio determines target user with the presence or absence of endowment risk.

Optionally, computer executable instructions are when executed, above-mentioned according to the average spending amount monthly of target user Ratio between the endowment insurance amount of money monthly got of above-mentioned target user determines target user with the presence or absence of endowment risk Step, comprising:

Optionally, computer executable instructions when executed, the endowment insurance total amount of above-mentioned acquisition target user Step, comprising:

Relevant information is paid according to the endowment insurance of target user, determines the endowment insurance money that target user has paid Volume；Wherein, it includes: that endowment insurance is paid the paid time limit of radix, endowment insurance and supported that above-mentioned endowment insurance, which pays relevant information, Address is paid in old insurance；

Pay radix according to above-mentioned endowment insurance, above-mentioned endowment insurance pays address, the gender of target user and age, in advance Estimate target user's endowment insurance amount of money to be paid before retirement；

Calculate interest caused by the endowment insurance amount of money and the endowment insurance amount of money to be paid that target user has paid；

The endowment insurance amount of money, target user's endowment insurance amount of money to be paid and the above-mentioned benefit that target user has been paid The endowment insurance total amount for being determined as target user with value of breath；

The endowment risk assessment equipment that this specification embodiment provides, consumption information and endowment insurance based on target user Total amount assesses the endowment risk of target user, realizes the assessment of the endowment risk to target user, and right When the endowment risk of target user is assessed, the consumption information of target user is taken into account so that assessment result closer to The referential of the actual conditions of target user, assessment result is larger；Also, also generate mentioning for the endowment risk for being directed to target user Show information, convenient for user be directed to it can happen that, take measures in advance.

Further, based on above-mentioned Fig. 1 to method shown in fig. 5, this specification embodiment additionally provides a kind of storage Jie Matter, for storing computer executable instructions, in a kind of specific embodiment, which can be USB flash disk, CD, hard disk Computer executable instructions Deng the storage of, the storage medium are able to achieve following below scheme when being executed by processor:

Optionally, the computer executable instructions of storage medium storage are when being executed by processor, above-mentioned prompt information It include: endowment Risk-warning information；

Optionally, the computer executable instructions of storage medium storage are when being executed by processor, above-mentioned prompt information Further include: consumption advisory information；

Optionally, the computer executable instructions of storage medium storage are above-mentioned to be based on target when being executed by processor Consumption information generates the step of corresponding consumption is suggested, comprising:

Optionally, the computer executable instructions of storage medium storage are when being processed by the processor, above-mentioned prompt information Further include: endowment financing advisory information；

Optionally, the computer executable instructions of storage medium storage are above-mentioned according to above-mentioned when being executed by processor Consumption total amount and endowment insurance total amount comment the endowment risk of target user according to preset risk assessment strategies The step of estimating, comprising:

Optionally, the computer executable instructions of storage medium storage are above-mentioned according to target when being executed by processor The ratio between the endowment insurance amount of money that the average spending amount monthly of user and above-mentioned target user monthly get, determines target The step of user is with the presence or absence of endowment risk, comprising:

Optionally, the computer executable instructions of storage medium storage are when being executed by processor, above-mentioned acquisition target The step of endowment insurance total amount of user, comprising:

The computer executable instructions for the storage medium storage that this specification embodiment provides are when being executed by processor, base The endowment risk of target user is assessed in the consumption information and endowment insurance total amount of target user, is realized to target The assessment of the endowment risk of user, and when the endowment risk to target user is assessed, the consumption of target user is believed Breath is taken into account, so that actual conditions of the assessment result closer to target user, the referential of assessment result are larger；Also, also Generate for target user endowment risk prompt information, convenient for user for it can happen that, take measures in advance.

In the 1990s, the improvement of a technology can be distinguished clearly be on hardware improvement (for example, Improvement to circuit structures such as diode, transistor, switches) or software on improvement (improvement for method flow).So And with the development of technology, the improvement of current many method flows can be considered as directly improving for hardware circuit. Designer nearly all obtains corresponding hardware circuit by the way that improved method flow to be programmed into hardware circuit.Cause This, it cannot be said that the improvement of a method flow cannot be realized with hardware entities module.For example, programmable logic device (Programmable Logic Device, PLD) (such as field programmable gate array (Field Programmable Gate Array, FPGA)) it is exactly such a integrated circuit, logic function determines device programming by user.By designer Voluntarily programming comes a digital display circuit " integrated " on a piece of PLD, designs and makes without asking chip maker Dedicated IC chip.Moreover, nowadays, substitution manually makes IC chip, this programming is also used instead mostly " is patrolled Volume compiler (logic compiler) " software realizes that software compiler used is similar when it writes with program development, And the source code before compiling also write by handy specific programming language, this is referred to as hardware description language (Hardware Description Language, HDL), and HDL is also not only a kind of, but there are many kind, such as ABEL (Advanced Boolean Expression Language)、AHDL(Altera Hardware Description Language)、Confluence、CUPL(Cornell University Programming Language)、HDCal、JHDL (Java Hardware Description Language)、Lava、Lola、MyHDL、PALASM、RHDL(Ruby Hardware Description Language) etc., VHDL (Very-High-Speed is most generally used at present Integrated Circuit Hardware Description Language) and Verilog.Those skilled in the art also answer This understands, it is only necessary to method flow slightly programming in logic and is programmed into integrated circuit with above-mentioned several hardware description languages, The hardware circuit for realizing the logical method process can be readily available.

Controller can be implemented in any suitable manner, for example, controller can take such as microprocessor or processing The computer for the computer readable program code (such as software or firmware) that device and storage can be executed by (micro-) processor can Read medium, logic gate, switch, specific integrated circuit (Application Specific Integrated Circuit, ASIC), the form of programmable logic controller (PLC) and insertion microcontroller, the example of controller includes but is not limited to following microcontroller Device: ARC 625D, Atmel AT91SAM, Microchip PIC18F26K20 and Silicone Labs C8051F320 are deposited Memory controller is also implemented as a part of the control logic of memory.It is also known in the art that in addition to Pure computer readable program code mode is realized other than controller, can be made completely by the way that method and step is carried out programming in logic Controller is obtained to come in fact in the form of logic gate, switch, specific integrated circuit, programmable logic controller (PLC) and insertion microcontroller etc. Existing identical function.Therefore this controller is considered a kind of hardware component, and to including for realizing various in it The device of function can also be considered as the structure in hardware component.Or even, it can will be regarded for realizing the device of various functions For either the software module of implementation method can be the structure in hardware component again.

System, device, module or the unit that above-described embodiment illustrates can specifically realize by computer chip or entity, Or it is realized by the product with certain function.It is a kind of typically to realize that equipment is computer.Specifically, computer for example may be used Think personal computer, laptop computer, cellular phone, camera phone, smart phone, personal digital assistant, media play It is any in device, navigation equipment, electronic mail equipment, game console, tablet computer, wearable device or these equipment The combination of equipment.

For convenience of description, it is divided into various units when description apparatus above with function to describe respectively.Certainly, implementing this The function of each unit can be realized in the same or multiple software and or hardware when application.

It should be understood by those skilled in the art that, embodiments herein can provide as method, system or computer program Product.Therefore, complete hardware embodiment, complete software embodiment or reality combining software and hardware aspects can be used in the application Apply the form of example.Moreover, it wherein includes the computer of computer usable program code that the application, which can be used in one or more, The computer program implemented in usable storage medium (including but not limited to magnetic disk storage, CD-ROM, optical memory etc.) produces The form of product.

The application is reference according to the method for this specification embodiment, the stream of equipment (system) and computer program product Journey figure and/or block diagram describe.It should be understood that can be realized by computer program instructions each in flowchart and/or the block diagram The combination of process and/or box in process and/or box and flowchart and/or the block diagram.It can provide these computer journeys Sequence instruct to general purpose computer, special purpose computer, Embedded Processor or other programmable data processing devices processor with A machine is generated, so that the instruction generation executed by computer or the processor of other programmable data processing devices is used for Realize the dress for the function of specifying in one or more flows of the flowchart and/or one or more blocks of the block diagram It sets.

These computer program instructions, which may also be stored in, is able to guide computer or other programmable data processing devices with spy Determine in the computer-readable memory that mode works, so that it includes referring to that instruction stored in the computer readable memory, which generates, Enable the manufacture of device, the command device realize in one box of one or more flows of the flowchart and/or block diagram or The function of being specified in multiple boxes.

These computer program instructions also can be loaded onto a computer or other programmable data processing device, so that counting Series of operation steps are executed on calculation machine or other programmable devices to generate computer implemented processing, thus in computer or The instruction executed on other programmable devices is provided for realizing in one or more flows of the flowchart and/or block diagram one The step of function of being specified in a box or multiple boxes.

In a typical configuration, calculating equipment includes one or more processors (CPU), input/output interface, net Network interface and memory.

Memory may include the non-volatile memory in computer-readable medium, random access memory (RAM) and/or The forms such as Nonvolatile memory, such as read-only memory (ROM) or flash memory (flash RAM).Memory is computer-readable medium Example.

Computer-readable medium includes permanent and non-permanent, removable and non-removable media can be by any method Or technology come realize information store.Information can be computer readable instructions, data structure, the module of program or other data. The example of the storage medium of computer includes, but are not limited to phase change memory (PRAM), static random access memory (SRAM), moves State random access memory (DRAM), other kinds of random access memory (RAM), read-only memory (ROM), electric erasable Programmable read only memory (EEPROM), flash memory or other memory techniques, read-only disc read only memory (CD-ROM) (CD-ROM), Digital versatile disc (DVD) or other optical storage, magnetic cassettes, tape magnetic disk storage or other magnetic storage devices Or any other non-transmission medium, can be used for storage can be accessed by a computing device information.As defined in this article, it calculates Machine readable medium does not include temporary computer readable media (transitory media), such as the data-signal and carrier wave of modulation.

It should also be noted that, the terms "include", "comprise" or its any other variant are intended to nonexcludability It include so that the process, method, commodity or the equipment that include a series of elements not only include those elements, but also to wrap Include other elements that are not explicitly listed, or further include for this process, method, commodity or equipment intrinsic want Element.In the absence of more restrictions, the element limited by sentence "including a ...", it is not excluded that including described want There is also other identical elements in the process, method of element, commodity or equipment.

It will be understood by those skilled in the art that embodiments herein can provide as method, system or computer program product. Therefore, complete hardware embodiment, complete software embodiment or embodiment combining software and hardware aspects can be used in the application Form.It is deposited moreover, the application can be used to can be used in the computer that one or more wherein includes computer usable program code The shape for the computer program product implemented on storage media (including but not limited to magnetic disk storage, CD-ROM, optical memory etc.) Formula.

The application can describe in the general context of computer-executable instructions executed by a computer, such as program Module.Generally, program module includes routines performing specific tasks or implementing specific abstract data types, programs, objects, group Part, data structure etc..The application can also be practiced in a distributed computing environment, in these distributed computing environments, by Task is executed by the connected remote processing devices of communication network.In a distributed computing environment, program module can be with In the local and remote computer storage media including storage equipment.

All the embodiments in this specification are described in a progressive manner, same and similar portion between each embodiment Dividing may refer to each other, and each embodiment focuses on the differences from other embodiments.Especially for system reality For applying example, since it is substantially similar to the method embodiment, so being described relatively simple, related place is referring to embodiment of the method Part explanation.

The above description is only an example of the present application, is not intended to limit this application.For those skilled in the art For, various changes and changes are possible in this application.All any modifications made within the spirit and principles of the present application are equal Replacement, improvement etc., should be included within the scope of the claims of this application.

Claims

1. a kind of endowment methods of risk assessment, comprising:

The consumption information of target user is obtained, and obtains the endowment insurance total amount of the target user；Wherein, the consumption Information includes: the consumption total amount of the target user in setting time length；

According to the consumption total amount and the endowment insurance total amount, according to preset risk assessment strategies, to the target The endowment risk of user is assessed；

2. the method as described in claim 1, the prompt information includes: endowment Risk-warning information；

It is described according to assessment result, generate the prompt information of the endowment risk for the target user, comprising:

If the assessment result indicates that the target user has endowment risk, it is determined that the target user monthly got supports Amount between old insured amount and the average spending amount monthly of the target user is poor；

The amount difference is determined as the endowment Risk-warning information, sends it to the terminal of the target user to carry out It shows.

3. method according to claim 1 or 2, the prompt information further include: consumption advisory information；

If the assessment result indicates that the target user has endowment risk, the multiple consumer of the target user is obtained The consumption information of type；

Screening meets the target consumer information of preset condition from the consumption information of the multiple consumption type；Wherein, the mesh The spending amount for marking consumption information is greater than the spending amount threshold value of corresponding consumption type；

It generates corresponding consumption based on the target consumer information to suggest, to reduce the corresponding consumption gold of the target consumer information Volume.

4. method as claimed in claim 3, described to generate corresponding consumption suggestion based on the target consumer information, comprising:

Determine spending amount corresponding to the consumption pattern and every kind of consumption pattern in the target consumer information；

For consumption pattern described in every kind, it is determined whether there are new consumption patterns；Wherein, corresponding to the new consumption pattern Spending amount be lower than the consumption pattern spending amount；

If it exists, then the new consumption pattern is determined as to the consumption suggestion for the target consumer information.

5. method according to claim 1 or 2, the prompt information further include: endowment financing advisory information；

If the assessment result indicates that the target user has endowment risk, the investment preference letter of the target user is obtained Breath；

Investment preference information based on the target user, the endowment financing generated for the target user are suggested；Wherein, institute Endowment financing is stated to suggest including at least endowment finance product.

6. the method as described in claim 1, described according to the consumption total amount and the endowment insurance total amount, according to pre- If risk assessment strategies, the endowment risk of the target user is assessed, comprising:

According to the consumption total amount, the average spending amount monthly of the target user is determined；

According to the endowment insurance total amount of the target user, the endowment insurance amount of money that the target user monthly gets is calculated；

The endowment insurance amount of money monthly got according to the average spending amount monthly of the target user and the target user it Between ratio, determine the target user with the presence or absence of endowment risk.

7. method as claimed in claim 6, described according to the average spending amount monthly of the target user and the target The ratio between the endowment insurance amount of money that user monthly gets determines the target user with the presence or absence of endowment risk, comprising:

Judge whether the ratio is greater than or equal to given threshold；If so, determining that the target user has endowment risk.

8. the method as described in claim 1, the endowment insurance total amount for obtaining the target user, comprising:

Relevant information is paid according to the endowment insurance of the target user, determines the endowment insurance that the target user has paid The amount of money；Wherein, the endowment insurance pay relevant information include: endowment insurance pay the paid time limit of radix, endowment insurance and Endowment insurance pays address；

Pay radix according to the endowment insurance, the endowment insurance pays address, the gender of the target user and age, in advance Estimate the target user endowment insurance amount of money to be paid before retirement；

Calculate interest caused by the endowment insurance amount of money and the endowment insurance amount of money to be paid that the target user has paid；

The endowment insurance amount of money that the target user has been paid, the target user endowment insurance amount of money and institute to be paid State the endowment insurance total amount for being determined as the target user with value of interest；

Wherein, the target user has paid the endowment insurance amount of money, the target user endowment insurance amount of money to be paid It include that the personal endowment insurance amount of money paid and unit pay the endowment insurance amount of money.

9. a kind of endowment risk assessment device, comprising:

Module is obtained, obtains the consumption information of target user, and obtain the endowment insurance total amount of the target user；Its In, the consumption information includes: the consumption total amount of the target user in setting time length；

Evaluation module, it is right according to preset risk assessment strategies according to the consumption total amount and the endowment insurance total amount The endowment risk of the target user is assessed；

10. device as claimed in claim 9, the prompt information includes: endowment Risk-warning information；

The generation module, comprising:

First determination unit, if the assessment result indicates that the target user has endowment risk, it is determined that the target is used Amount between the endowment insurance amount of money that family is monthly got and the average spending amount monthly of the target user is poor；

The amount difference is determined as the endowment Risk-warning information by the second determination unit；

The endowment Risk-warning information is sent to the terminal of the target user to be shown by transmission unit.

11. the device as described in claim 9 or 10, the prompt information further include: consumption advisory information；

The generation module, further includes:

First acquisition unit obtains the target and uses if the assessment result indicates that the target user has endowment risk The consumption information of multiple consumption types at family；

Screening unit, screening meets the target consumer information of preset condition from the consumption information of the multiple consumption type；Its In, the spending amount of the target consumer information is greater than the spending amount threshold value of corresponding consumption type；

First generation unit generates corresponding consumption based on the target consumer information and suggests, to reduce the target consumer letter Cease corresponding spending amount.

12. the device as described in claim 9 or 10, the prompt information further include: endowment financing advisory information；

The generation module, further includes:

Second acquisition unit obtains the target and uses if the assessment result indicates that the target user has endowment risk The investment preference information at family；

Second generation unit, the investment preference information based on the target user, the endowment generated for the target user are managed Wealth suggestion；Wherein, the endowment financing is suggested including at least endowment finance product.

13. device as claimed in claim 9, the evaluation module, comprising:

Third determination unit determines the average spending amount monthly of the target user according to the consumption total amount；

Computing unit calculates the endowment that the target user monthly gets according to the endowment insurance total amount of the target user Insured amount；

4th determination unit is supported according to what the average spending amount monthly of the target user and the target user were monthly got Ratio between old insured amount determines the target user with the presence or absence of endowment risk.

14. a kind of endowment risk assessment equipment, comprising:

Processor；And

It is arranged to the memory of storage computer executable instructions, the executable instruction makes the processing when executed Device:

15. a kind of storage medium, for storing computer executable instructions, the executable instruction is realized following when executed Process: