CN109657896A - Mobility notch detection method, device, equipment and storage medium - Google Patents
Mobility notch detection method, device, equipment and storage medium Download PDFInfo
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Abstract
The present invention discloses a kind of mobility notch detection method, device, equipment and storage medium, is related to big data analysis and processing, this method comprises: obtaining the query argument for including in mobility inquiry instruction in response to the mobility inquiry instruction received；Corresponding user's asset data is read from banking system according to query argument, and processing is formatted to user's asset data and obtains user's mobility data；Classify by preset data dimension to user's mobility data, mobility gap analysis is carried out respectively to sorted user's mobility data, and show corresponding analysis result, mobility notch detection method of the present invention plans as a whole compared to the existing artificial data based on Excel table and analysis method, analysis detection efficiency with higher, it is not easy to make mistakes, and when facing large-scale liquidity of assets data, it also can guarantee higher accuracy.
Description
Technical field
The present invention relates to financial technology field more particularly to a kind of mobility notch detection method, device, equipment and storages
Medium.
Background technique
Difference between so-called mobility notch, i.e. current assets and fluctuation source.With Internet technology and finance
The rapid development of industry, mobility notch are often the major issue that investor is concerned about, the variation of mobility notch directly affects
To the financial investment activity of investor.But currently, business personnel is based only upon Excel table to the analysis of mobility notch in bank
Data are planned as a whole and analysis, this manual analysis method often rely on the personal experience of business personnel, and efficiency is lower, error-prone, and
When facing large-scale asset data liquidity analysis, it appears unable to do what one wishes.Therefore, how accurately and effectively to user's assets
Mobility notch carry out analysis detection, become a urgent problem to be solved.
Above content is only used to facilitate the understanding of the technical scheme, and is not represented and is recognized that above content is existing skill
Art.
Summary of the invention
The main purpose of the present invention is to provide a kind of mobility notch detection method, device, equipment and storage medium,
Aim to solve the problem that the prior art can not the technical issues of accurately and effectively mobility notch to user's assets carries out analysis detection.
To achieve the above object, the present invention provides a kind of mobility notch detection method, the method includes following steps
It is rapid:
In response to the mobility inquiry instruction received, the query argument for including in the mobility inquiry instruction is obtained；
Corresponding user's asset data is read from banking system according to the query argument, and to user's assets number
User's mobility data are obtained according to processing is formatted；
Classify by preset data dimension to user's mobility data, to sorted user's mobility data point
Not carry out mobility gap analysis, and show corresponding analysis result.
Preferably, described that corresponding user's asset data is read from banking system according to the query argument, and to institute
It states user's asset data and is formatted the step of processing obtains user's mobility data, comprising:
Corresponding user's asset data is read from banking system according to the query argument；
Obtain the current data format of user's asset data, and detect the current data format whether with present count
It is consistent according to format；
If inconsistent, the data conversion rule locally prestored is read, and according to the data conversion rule to the use
Family asset data carries out Data Format Transform, obtains user's mobility data.
Preferably, the data conversion rule includes that the object relationship between asset data and mobility report data is reflected
It penetrates；
It is described that Data Format Transform is carried out to user's asset data according to the data conversion rule, obtain user's stream
The step of dynamic property data, comprising:
It is reflected according to the object relationship between the asset data for including in the data conversion rule and mobility report data
It penetrates and Data Format Transform is carried out to user's asset data, obtain user's mobility data.
Preferably, described to classify by preset data dimension to user's mobility data, to sorted user
Mobility data carry out mobility gap analysis respectively, and the step of showing corresponding analysis result, comprising:
Classify by preset data dimension to user's mobility data, obtains corresponding mobility data sample；
By preset formula to the calculating of mobility notch is carried out to each mobility data sample respectively, each mobility number is obtained
The mobility notch information is shown according to the corresponding mobility notch information of sample, and by the default page；
Wherein, the preset formula are as follows:
SLiqGap=MAsset-NLiability+IOff-balance sheet income-IOff-balance sheet expenditure
In formula, SLiqGapFor mobility notch, MAssetFor the corresponding assets of mobility data sample, NLiabilityFor mobility
The corresponding debt of data sample, IOff-balance sheet incomeIt is taken in for the corresponding off-balancesheet of mobility data sample,
IOff-balance sheet expenditureFor the corresponding off-balancesheet expenditure of mobility data sample.
Preferably, the preset data dimension includes unified dimension, business dimension of the same trade or business and non-business dimension of the same trade or business；
It is described to classify by preset data dimension to user's mobility data, obtain corresponding mobility data sample
This step of, comprising:
By the unified dimension, the business dimension of the same trade or business and the non-business dimension of the same trade or business to user's mobility
Data are classified, and unified mobility data sample, mobility data sample of the same trade or business and non-mobility data of the same trade or business are obtained
Sample.
Preferably, the mobility inquiry instruction in response to receiving, obtains in the mobility inquiry instruction and includes
Query argument the step of after, the method also includes:
The user identifier for including in the query argument is extracted, is searched in default mapping relations according to the user identifier
The corresponding electronic document mark of the user identifier；
The destination electronic document for searching preset data form in the database according to electronic document mark, from the mesh
Mark and read user's mobility data in electronic document, and execute it is described by preset data dimension to user's mobility data into
Sorted user's mobility data are carried out mobility gap analysis by row classification respectively, and show corresponding analysis result
Step.
Preferably, described to classify by preset data dimension to user's mobility data, to sorted user
Mobility data carry out mobility gap analysis respectively, and after the step of showing corresponding analysis result, the method is also wrapped
It includes:
When receiving the mobility gap analysis instruction based on the analysis result input, the mobility notch is extracted
The analysis time parameter for including in analysis instruction, the analysis time parameter include analysis date and base period；
The analysis date corresponding first mobility data and the corresponding second of the base period are obtained respectively
Dynamic property data；
The analysis date corresponding first mobility notch rate according to the first mobility data acquisition, and according to
The corresponding second mobility notch rate of base period described in the second mobility data acquisition；
The first mobility notch rate is compared with the second mobility notch rate, obtains mobility notch rate
Result of variations, and the mobility notch rate result of variations is shown by default exhibition method.
In addition, to achieve the above object, the present invention also proposes a kind of mobility notch detection device, described device includes:
Respond module is instructed to obtain the mobility inquiry instruction for the mobility inquiry instruction in response to receiving
In include query argument；
Data acquisition module, for reading corresponding user's asset data from banking system according to the query argument,
And processing is formatted to user's asset data and obtains user's mobility data；
Notch detection module, for classifying by preset data dimension to user's mobility data, after classification
User's mobility data carry out mobility gap analysis respectively, and show corresponding analysis result.
In addition, to achieve the above object, the present invention also proposes that a kind of mobility notch detection equipment, the equipment include:
Memory, processor and the mobility notch detection program that is stored on the memory and can run on the processor,
The mobility notch detection program is arranged for carrying out the step of mobility notch detection method as described above.
In addition, to achieve the above object, the present invention also proposes a kind of storage medium, flowing is stored on the storage medium
Property notch detection program, the mobility notch detection program realize mobility notch as described above when being executed by processor
The step of detection method.
The present invention obtains the inquiry for including in mobility inquiry instruction by the mobility inquiry instruction in response to receiving
Parameter；Corresponding user's asset data is read from banking system according to query argument, and format is carried out to user's asset data
Change processing and obtains user's mobility data；Classify by preset data dimension to user's mobility data, to sorted use
Family mobility data carry out mobility gap analysis respectively, and show corresponding analysis as a result, since the present invention is according to flowing
The query argument for including in property inquiry instruction reads corresponding user's asset data from banking system, then to user's assets number
User's mobility data are obtained according to processing is formatted, then mobility is carried out to sorted user's mobility data respectively and is lacked
Mouth analyzed as a result, thus compared to it is existing based on Excel table artificial data pool and analysis method, with compared with
High analysis detection efficiency, it is not easy to make mistakes, and when facing large-scale liquidity of assets data, it is higher accurate also to can guarantee
Degree.
Detailed description of the invention
Fig. 1 is the structural representation of the mobility notch detection equipment for the hardware running environment that the embodiment of the present invention is related to
Figure；
Fig. 2 is the flow diagram of mobility notch detection method first embodiment of the present invention；
Fig. 3 is the flow diagram of mobility notch detection method second embodiment of the present invention；
Fig. 4 is the flow diagram of mobility notch detection method 3rd embodiment of the present invention；
Fig. 5 is the structural block diagram of mobility notch detection device first embodiment 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 embodiment
It should be appreciated that described herein, specific examples are only used to explain the present invention, is not intended to limit the present invention.
Referring to Fig.1, Fig. 1 is the mobility notch detection equipment knot for the hardware running environment that the embodiment of the present invention is related to
Structure schematic diagram.
As shown in Figure 1, the mobility notch detection equipment may include: processor 1001, such as central processing unit
(Central Processing Unit, CPU), communication bus 1002, user interface 1003, network interface 1004, memory
1005.Wherein, communication bus 1002 is for realizing the connection communication between these components.User interface 1003 may include display
Shield (Display), input unit such as keyboard (Keyboard), optional user interface 1003 can also include that the wired of standard connects
Mouth, wireless interface.Network interface 1004 optionally may include standard wireline interface and wireless interface (such as Wireless Fidelity
(WIreless-FIdelity, WI-FI) interface).Memory 1005 can be the random access memory (Random of high speed
Access Memory, RAM) memory, be also possible to stable nonvolatile memory (Non-Volatile Memory,
), such as magnetic disk storage NVM.Memory 1005 optionally can also be the storage device independently of aforementioned processor 1001.
It will be understood by those skilled in the art that structure shown in Fig. 1 is not constituted to mobility notch detection equipment
It limits, may include perhaps combining certain components or different component layouts than illustrating more or fewer components.
As shown in Figure 1, as may include operating system, data storage mould in a kind of memory 1005 of storage medium
Block, network communication module, Subscriber Interface Module SIM and mobility notch detection program.
In mobility notch detection equipment shown in Fig. 1, network interface 1004 is mainly used for carrying out with network server
Data communication；User interface 1003 is mainly used for carrying out data interaction with user；In mobility notch detection equipment of the present invention
Processor 1001, memory 1005 can be set in mobility notch detection equipment, and the mobility notch detection equipment is logical
It crosses processor 1001 and calls the mobility notch detection program stored in memory 1005, and execute provided in an embodiment of the present invention
Mobility notch detection method.
The embodiment of the invention provides a kind of mobility notch detection methods, lack referring to Fig. 2, Fig. 2 for mobility of the present invention
The flow diagram of mouth detection method first embodiment.
In the present embodiment, the mobility notch detection method the following steps are included:
Step S10: in response to the mobility inquiry instruction received, looking into of including in the mobility inquiry instruction is obtained
Ask parameter；
It should be noted that the executing subject of the present embodiment method can be can provide assets or Capital Flow for user
The client-side program (hereinafter referred to as client) of property Analysis Service, and or carry the terminal device of the client, such as hand
Machine, tablet computer, PC, notebook etc..The mobility inquiry instruction can be user and click on client end interface
Corresponding control and the liquidity of assets inquiry request triggered.
It should be understood that user can input the user identifier (example of user on client end interface in corresponding text box
Such as name, identity card, bank's card number or phone number) and query time parameter (such as Query Dates, query time section,
Data unit parameter etc.) inquiry of Lai Jinhang liquidity of assets.
In the concrete realization, client inquires the mobility when receiving the mobility inquiry instruction of user's input
Instruction is parsed, and the query argument for including in mobility inquiry instruction is obtained, and the query argument includes user identifier and looks into
Ask time parameter.
Step S20: corresponding user's asset data is read from banking system according to the query argument, and to the use
Family asset data is formatted processing and obtains user's mobility data；
It should be noted that the investment assetses detailed data of the user's asset data, that is, user, including it is assets of the same trade or business, non-
Assets of the same trade or business, the same trade is in debt, non-debt of the same trade or business, off-balancesheet income, off-balancesheet expenditure, cash, deposit, loan, bond investment etc..
The considerations of should be understood that the secure context for data information, different banks is used in storing data
Data memory format might not be identical, therefore client read from banking system data needs format first is carried out to it
It just can be carried out corresponding data operation after change.
In the concrete realization, client reads the corresponding use of the user according to the query argument got from banking system
Whether family asset data, the data format for then detecting user's asset data meet the corresponding data format of client, if symbol
Conjunction can then extract user's mobility data directly from the user's asset data read；First to user's assets if not meeting
After data are formatted processing, then user's mobility data are extracted from formatted data.
Step S30: classifying to user's mobility data by preset data dimension, flows to sorted user
Property data carry out mobility gap analysis respectively, and show corresponding analysis result.
It should be noted that the preset data dimension includes unified dimension, business dimension of the same trade or business and non-industry of the same trade or business
Business dimension.Wherein, it is described it is unified refer generally to the sum of revenue above the line and receipts not covered in the state budget, it is unified described in the present embodiment can
Asset data including assets, debt, off-balancesheet income and off-balancesheet expenditure etc.；It is same that the same trade business dimension can be bank
Industry business dimension, specifically includes: acting on behalf of same trade fund clearing, storage, bond investment, inter-bank lending and borrowing, foreign exchange trading, derivative of the same trade or business
Product trading, generation objective funds transaction and assets dealing repurchase of the same trade or business, bill interbank discount and the business such as discount again, the non-industry of the same trade or business
Business can be other bankings in addition to the business of the same trade or business.
It in the concrete realization, can be according to preset data dimension pair after client gets user's mobility data
User's mobility data are classified, and then carry out mobility gap analysis respectively to sorted user's mobility data, and
Show corresponding analysis result.
Specifically, client can classify to user's mobility data by the preset data dimension, acquisition pair
The mobility data sample answered；By preset formula to the calculating of mobility notch is carried out to each mobility data sample respectively, obtain
The corresponding mobility notch information of each mobility data sample is obtained, and the mobility notch information is carried out by the default page
It shows, wherein the preset formula are as follows:
SLiqGap=MAsset-NLiability+IOff-balance sheet income-IOff-balance sheet expenditure
In formula, SLiqGapFor mobility notch, MAssetFor the corresponding assets of mobility data sample, NLiabilityFor mobility
The corresponding debt of data sample, IOff-balance sheet incomeIt is taken in for the corresponding off-balancesheet of mobility data sample,
IOff-balance sheet expenditureFor the corresponding off-balancesheet expenditure of mobility data sample.In addition, mobility data in the present embodiment
The sample data for including in sample allows to have overlapping, such as the asset data in unified dimension had both included assets of the same trade or business, was also wrapped
Non- assets of the same trade or business are included, and the asset data of business dimension of the same trade or business also includes assets of the same trade or business.
In the concrete realization, client is after getting the mobility data of user, first by the unified dimension, described
Business dimension of the same trade or business and the non-business dimension of the same trade or business classify to user's mobility data, obtain unified mobility
Data sample, mobility data sample of the same trade or business and non-mobility data sample of the same trade or business；Then each mobility data are calculated separately
The mobility notch of sample is to obtain mobility notch information, for example, accumulative assets on the 90th in unified mobility data sample
It is 1737.41 ten thousand, being in debt is 1831.57 ten thousand, and off-balancesheet income is 369.29 ten thousand, and off-balancesheet expenditure is 357.04 ten thousand, then according to above-mentioned
Formula can calculate the user accumulative mobility notch on the 90th are as follows: 1737.41-1831.57+369.29-357.04=-81.91
Ten thousand；Client can preset after calculating mobility notch according to the mobility data in mobility data sample
The page on show calculated mobility notch and corresponding calculating data, for user access.
The present embodiment obtains looking into of including in mobility inquiry instruction by the mobility inquiry instruction in response to receiving
Ask parameter；Corresponding user's asset data is read from banking system according to query argument, and lattice are carried out to user's asset data
Formulaization processing obtains user's mobility data；Classify by preset data dimension to user's mobility data, to sorted
User's mobility data carry out mobility gap analysis respectively, and show corresponding analysis as a result, the present embodiment mobility notch
Detection method plans as a whole compared to the existing artificial data based on Excel table and analysis method, analysis detection effect with higher
Rate, it is not easy to make mistakes, and when facing large-scale liquidity of assets data, it also can guarantee higher accuracy.
With reference to Fig. 3, Fig. 3 is the flow diagram of mobility notch detection method second embodiment of the present invention.
Based on above-mentioned first embodiment, in the present embodiment, the step S20 includes:
Step S201: corresponding user's asset data is read from banking system according to the query argument；
In the concrete realization, client is inquired and is obtained in banking system according to the user identifier carried in query argument
Take the corresponding user's asset data in family.
Step S202: obtaining the current data format of user's asset data, and detects the current data format and be
It is no consistent with preset data form；
It should be understood that so-called data format, i.e. data are stored in the formatting in file or record.Can for numerical value,
The forms such as character or binary number, are described by data type and data length.The preset data form, i.e., it is pre-set
Used data format when client analysis or processing data.
In the concrete realization, when client reads user's asset data, data format (the i.e. institute of user's asset data is obtained
State current data format), then the current data format is compared with preset data form, to detect the current number
It is whether consistent with preset data form according to format, it does not need to format user's asset data if consistent；If different
Cause then needs to format.
Step S203: if inconsistent, the data conversion rule locally prestored is read, and according to the data conversion rule
Data Format Transform is carried out to user's asset data, obtains user's mobility data.
It should be noted that being quickly converted to realize to data format, research staff can write corresponding number in advance
According to transformation rule and save, in the present embodiment, the data conversion rule can be asset data and mobility report data it
Between Object Relation Mapping (Object Relational Mapping, ORM), so-called Object Relation Mapping, i.e., by data from one
Kind form is transformed into another form.
In the concrete realization, if client detects that current data format is inconsistent with preset data form, this is read
The data conversion rule that ground prestores, then according between the asset data for including in data conversion rule and mobility report data
Object Relation Mapping to user's asset data carry out Data Format Transform, obtain user's mobility data.
It further, is the development task for reducing research staff, client can pass through data warehouse technology in this implementation
The acquisition of (Extract-Transform-Load, ETL) Lai Shixian user's asset data and format conversion, specifically, client
End can be needed by calling ETL tool to extract target data source system (i.e. client) from source data source system (i.e. banking system)
Data (i.e. described user's asset data)；Then by the data obtained from source data source (i.e. described user's asset data) according to
Business demand (the i.e. described data conversion rule) is converted into the form of target data source requirement, and to mistake, inconsistent data
It is cleaned and is processed and obtain formatted data (i.e. described user's mobility data), then added formatted data
It is loaded onto target data source (i.e. client), to further increase the efficiency of mobility notch detection.
The present embodiment reads corresponding user's asset data according to query argument from banking system；Obtain user's assets number
According to current data format, whether and it is consistent with preset data form to detect current data format；If inconsistent, local is read
The data conversion rule prestored, and Data Format Transform is carried out to user's asset data according to data conversion rule, obtain user
Mobility data expand the scope of application of mobility notch detection to improve detection efficiency.
With reference to Fig. 4, Fig. 4 is the flow diagram of mobility notch detection method 3rd embodiment of the present invention.
Based on the various embodiments described above, in the present embodiment, after the step S10, the method also includes:
Step S101: extracting the user identifier for including in the query argument, according to the user identifier in default mapping
The corresponding electronic document mark of the user identifier is searched in relationship；
It should be noted that in mobility notch detection method provided in this embodiment, the mobility data of user can be with
It is read from the electronic document (such as Excel document) that user is uploaded by client preset data interface, specific user Ke Tong
The electronic document template that downloading client provides is crossed, then template is filled in and uploaded according to itself condition of assets, thus
Remove the operation that client carries out Data Format Transform from, improves detection efficiency.
It should be understood that the user identifier can be the information that can distinguish different inquiry users, such as surname
Name, identity card, bank's card number, phone number etc., the default mapping relations can be in client or the corresponding clothes of client
Corresponding relationship between the device side user identifier constructed in advance of being engaged in and electronic document mark, the electronic document mark can be electricity
The corresponding store path of subdocument, the title of electronic document, Custom Number etc..
In the concrete realization, client is by extracting the user identifier for including in query argument, in the mapping constructed in advance
The corresponding electronic document mark of the user identifier is searched in relationship.
Step S102: the target electronic text of preset data form is searched in the database according to electronic document mark
Shelves read user's mobility data from the destination electronic document, and execute the preset data dimension of pressing to the user
Mobility data are classified, and carry out mobility gap analysis respectively to sorted user's mobility data, and show correspondence
Analysis result the step of.
Specifically, client is identified according to the electronic document in data after getting corresponding electronic document mark
The destination electronic document of preset data form is searched in library, and user's mobility number is read from the destination electronic document found
According to then progress subsequent flowing gap analysis operation.
Further, the factor of liquidity of assets variation, the present embodiment mobility can be intuitively known for the convenience of the user
Notch detection method is carrying out mobility gap analysis to sorted user's mobility data respectively, and shows corresponding analysis
As a result after, further includes:
Step S40: when receiving the mobility gap analysis instruction based on the analysis result input, the stream is extracted
The analysis time parameter for including in dynamic property gap analysis instruction, the analysis time parameter include analysis date and Base day
Phase；
It should be noted that the present embodiment client to analysis result be shown when, can simultaneously in displayed page
Predeterminable area integrated one is used to be associated the variation of mobility notch rate the trigger button of analysis, in order to which user is needing
When carrying out the variation association analysis of mobility notch rate, mobility gap analysis instruction is generated and sent by the trigger button.
In the concrete realization, client is right when receiving the mobility gap analysis instruction based on analysis result input
Mobility gap analysis instruction is parsed, the analysis time parameter for including in acquisition mobility gap analysis instruction, and described point
Analysing time parameter includes analysis date (such as on May 30th, 2018) and base period (such as on May 29th, 2018).
Step S50: obtaining the analysis date corresponding first mobility data respectively and the base period is corresponding
The second mobility data；
Specifically, client obtains the analysis date corresponding first mobility number from user's mobility data respectively
Accordingly and the corresponding second mobility data of the base period.
Step S60: the analysis date corresponding first mobility notch rate according to the first mobility data acquisition,
And the corresponding second mobility notch rate of the base period according to the second mobility data acquisition；
It should be noted that mobility notch rate is to outflow in mobility notch and the table that expires in 90 days inside and outside table in 90 days
The ratio between dynamic property assets, general not lower than -10%, it is the liquidity risk for measuring business bank's mobility situation and its fluctuation
One of core index.The present embodiment detects the mobility situation of user's assets with mobility notch rate.
Specifically, client can " mobility notch rate=in the mobility notch ÷ same period be inside and outside overdue table by formula
Assets × 100% " calculates the analysis date corresponding first mobility notch rate according to the first mobility data, with
And the corresponding second mobility notch rate of the base period is calculated according to the second mobility data.
Step S70: the first mobility notch rate is compared with the second mobility notch rate, is flowed
Property notch rate result of variations, and the mobility notch rate result of variations is shown by default exhibition method.
It should be understood that the mobility notch rate result of variations, i.e., the mobility notch rate on analysis date is compared to base
The increase of the mobility notch rate on quasi- date such as reduces or maintains an equal level at the situations of change.The default exhibition method lacks mobility
Mouth rate progress information graphic is shown or displaying, such as displaying is compared in a manner of histogram.
In the concrete realization, client, can after the first mobility notch rate that calculates and the second mobility notch rate
The first mobility notch rate is compared with the second mobility notch rate, obtains mobility notch rate variation knot
Then fruit is shown the mobility notch rate result of variations by default exhibition method.
The present embodiment extracts the user identifier for including in query argument, is searched in default mapping relations according to user identifier
The corresponding electronic document mark of user identifier；Search the target electricity of preset data form in the database according to electronic document mark
Subdocument reads user's mobility data from destination electronic document, then carries out mobility according to user's mobility data and lacks
It mouthful tests and analyzes, avoids client and detect the current data format of the user's asset data read from banking system and pre-
If data format is inconsistent, needs to carry out the troublesome operation of Data Format Transform, improve detection efficiency.
In addition, the embodiment of the present invention also proposes a kind of storage medium, the inspection of mobility notch is stored on the storage medium
Ranging sequence, the mobility notch detection program realize mobility notch detection method as described above when being executed by processor
The step of.
It is the structural block diagram of mobility notch detection device first embodiment of the present invention referring to Fig. 5, Fig. 5.
As shown in figure 5, the mobility notch detection device that the embodiment of the present invention proposes includes:
Respond module 501 is instructed, for the mobility inquiry instruction in response to receiving, the mobility inquiry is obtained and refers to
The query argument for including in order；
Data acquisition module 502, for reading corresponding user's assets number from banking system according to the query argument
According to, and processing is formatted to user's asset data and obtains user's mobility data；
Notch detection module 503, for classifying by preset data dimension to user's mobility data, to classification
User's mobility data afterwards carry out mobility gap analysis respectively, and show corresponding analysis result.
The present embodiment obtains looking into of including in mobility inquiry instruction by the mobility inquiry instruction in response to receiving
Ask parameter；Corresponding user's asset data is read from banking system according to query argument, and lattice are carried out to user's asset data
Formulaization processing obtains user's mobility data；Classify by preset data dimension to user's mobility data, to sorted
User's mobility data carry out mobility gap analysis respectively, and show corresponding analysis as a result, the present embodiment mobility notch
Detection method plans as a whole compared to the existing artificial data based on Excel table and analysis method, analysis detection effect with higher
Rate, it is not easy to make mistakes, and when facing large-scale liquidity of assets data, it also can guarantee higher accuracy.
Based on the above-mentioned mobility notch detection device first embodiment of the present invention, mobility notch detection dress of the present invention is proposed
The second embodiment set.
In the present embodiment, the data acquisition module 502 is also used to be read from banking system according to the query argument
Take corresponding user's asset data；The current data format of user's asset data is obtained, and detects the current data lattice
Whether formula is consistent with preset data form；If inconsistent, the data conversion rule locally prestored is read, and according to the data
Transformation rule carries out Data Format Transform to user's asset data, obtains user's mobility data.
Further, the data acquisition module 502 is also used to according to the assets number for including in the data conversion rule
Data Format Transform is carried out to user's asset data according to the Object Relation Mapping between mobility report data, is used
Family mobility data.
Further, the notch detection module 503 is also used to by preset data dimension to user's mobility data
Classify, obtains corresponding mobility data sample；
By preset formula to the calculating of mobility notch is carried out to each mobility data sample respectively, each mobility number is obtained
The mobility notch information is shown according to the corresponding mobility notch information of sample, and by the default page；
Wherein, the preset formula are as follows:
SLiqGap=MAsset-NLiability+IOff-balance sheet income-IOff-balance sheet expenditure
In formula, SLiqGapFor mobility notch, MAssetFor the corresponding assets of mobility data sample, NLiabilityFor mobility
The corresponding debt of data sample, IOff-balance sheet incomeIt is taken in for the corresponding off-balancesheet of mobility data sample,
IOff-balance sheet expenditureFor the corresponding off-balancesheet expenditure of mobility data sample.
Further, the notch detection module 503 is also used to by the unified dimension, the business dimension of the same trade or business
Classify with the non-business dimension of the same trade or business to user's mobility data, obtains unified mobility data sample, same
Industry mobility data sample and non-mobility data sample of the same trade or business.
Further, the data acquisition module 502, is also used to extract the user identifier in the query argument included,
The corresponding electronic document mark of the user identifier is searched in default mapping relations according to the user identifier；According to the electricity
Subdocument mark searches the destination electronic document of preset data form in the database, reads and uses from the destination electronic document
Family mobility data, and classify by preset data dimension to user's mobility data described in execution, to sorted
User's mobility data carry out mobility gap analysis respectively, and show the operation of corresponding analysis result.
Further, the notch detection module 503 is also used to receiving the flowing based on the analysis result input
Property gap analysis instruction when, extract the analysis time parameter for including in mobility gap analysis instruction, the analysis time
Parameter includes analysis date and base period；The analysis date corresponding first mobility data and described are obtained respectively
The corresponding second mobility data of base period；The date corresponding first is analyzed according to the first mobility data acquisition
Mobility notch rate, and the corresponding second mobility notch of the base period according to the second mobility data acquisition
Rate；The first mobility notch rate is compared with the second mobility notch rate, obtains the variation of mobility notch rate
As a result, and being shown by default exhibition method to the mobility notch rate result of variations.
It is real that the other embodiments or specific implementation of mobility notch detection device of the present invention can refer to above-mentioned each method
Example is applied, details are not described herein again.
It should be noted that, in this document, the terms "include", "comprise" or its any other variant are intended to non-row
His property includes, so that the process, method, article or the system that include a series of elements not only include those elements, and
And further include other elements that are not explicitly listed, or further include for this process, method, article or system institute it is intrinsic
Element.In the absence of more restrictions, the element limited by sentence "including a ...", it is not excluded that including being somebody's turn to do
There is also other identical elements in the process, method of element, article or system.
The serial number of the above embodiments of the invention is only for description, does not represent the advantages or disadvantages of the embodiments.
Through the above description of the embodiments, those skilled in the art can be understood that above-described embodiment side
Method can be realized by means of software and necessary general hardware platform, naturally it is also possible to by hardware, but in many cases
The former is more preferably embodiment.Based on this understanding, technical solution of the present invention substantially in other words does the prior art
The part contributed out can be embodied in the form of software products, which is stored in a storage medium
In (such as read-only memory/random access memory, magnetic disk, CD), including some instructions are used so that a terminal device (can
To be mobile phone, computer, server, air conditioner or the network equipment etc.) execute method described in each embodiment of the present invention.
The above is only a preferred embodiment of the present invention, is not intended to limit the scope of the invention, all 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 mobility notch detection method, which is characterized in that the described method includes:
In response to the mobility inquiry instruction received, the query argument for including in the mobility inquiry instruction is obtained；
Read corresponding user's asset data from banking system according to the query argument, and to user's asset data into
Formatting lines processing obtains user's mobility data；
Classify by preset data dimension to user's mobility data, to sorted user's mobility data respectively into
Row mobility gap analysis, and show corresponding analysis result.
2. the method as described in claim 1, which is characterized in that described to be read from banking system according to the query argument pair
The user's asset data answered, and the step of processing obtains user's mobility data is formatted to user's asset data,
Include:
Corresponding user's asset data is read from banking system according to the query argument；
Obtain the current data format of user's asset data, and detect the current data format whether with preset data lattice
Formula is consistent；
If inconsistent, the data conversion rule locally prestored is read, and provide to the user according to the data conversion rule
It produces data and carries out Data Format Transform, obtain user's mobility data.
3. method according to claim 2, which is characterized in that the data conversion rule includes asset data and mobility report
Object Relation Mapping between table data；
It is described that Data Format Transform is carried out to user's asset data according to the data conversion rule, obtain user's mobility
The step of data, comprising:
According to the Object Relation Mapping pair between the asset data for including in the data conversion rule and mobility report data
User's asset data carries out Data Format Transform, obtains user's mobility data.
4. the method as described in claim 1, which is characterized in that the preset data dimension of pressing is to user's mobility data
Classify, mobility gap analysis is carried out respectively to sorted user's mobility data, and show corresponding analysis result
The step of, comprising:
Classify by preset data dimension to user's mobility data, obtains corresponding mobility data sample；
By preset formula to the calculating of mobility notch is carried out to each mobility data sample respectively, each mobility data sample is obtained
This corresponding mobility notch information, and the mobility notch information is shown by the default page；
Wherein, the preset formula are as follows:
SLiqGap=MAsset-NLiability+IOff-balance sheet income-IOff-balance sheet expenditure
In formula, SLiqGapFor mobility notch, MAssetFor the corresponding assets of mobility data sample, NLiabilityFor mobility data
The corresponding debt of sample, IOff-balance sheet incomeIt is taken in for the corresponding off-balancesheet of mobility data sample,
IOff-balance sheet expenditureFor the corresponding off-balancesheet expenditure of mobility data sample.
5. method as claimed in claim 4, which is characterized in that the preset data dimension includes unified dimension, industry of the same trade or business
Dimension of being engaged in and non-business dimension of the same trade or business；
It is described to classify by preset data dimension to user's mobility data, obtain corresponding mobility data sample
Step, comprising:
By the unified dimension, the business dimension of the same trade or business and the non-business dimension of the same trade or business to user's mobility data
Classify, obtains unified mobility data sample, mobility data sample of the same trade or business and non-mobility data sample of the same trade or business.
6. the method as described in claim 1, which is characterized in that the mobility inquiry instruction in response to receiving obtains
After the step of query argument for including in the mobility inquiry instruction, the method also includes:
The user identifier for including in the query argument is extracted, according to user identifier lookup in default mapping relations
The corresponding electronic document mark of user identifier；
The destination electronic document for searching preset data form in the database according to electronic document mark, from the target electricity
User's mobility data are read in subdocument, and user's mobility data are divided by preset data dimension described in execution
Class carries out mobility gap analysis to sorted user's mobility data respectively, and the step of showing corresponding analysis result.
7. the method as described in claim 1, which is characterized in that the preset data dimension of pressing is to user's mobility data
Classify, mobility gap analysis is carried out respectively to sorted user's mobility data, and show corresponding analysis result
The step of after, the method also includes:
When receiving the mobility gap analysis instruction based on the analysis result input, the mobility gap analysis is extracted
The analysis time parameter for including in instruction, the analysis time parameter include analysis date and base period；
The analysis date corresponding first mobility data and corresponding second mobility of the base period are obtained respectively
Data；
The analysis date corresponding first mobility notch rate according to the first mobility data acquisition, and according to described
The corresponding second mobility notch rate of base period described in second mobility data acquisition；
The first mobility notch rate is compared with the second mobility notch rate, obtains the variation of mobility notch rate
As a result, and being shown by default exhibition method to the mobility notch rate result of variations.
8. a kind of mobility notch detection device, which is characterized in that described device includes:
Instruction respond module is obtained and is wrapped in the mobility inquiry instruction for the mobility inquiry instruction in response to receiving
The query argument contained；
Data acquisition module, for reading corresponding user's asset data from banking system according to the query argument, and it is right
User's asset data is formatted processing and obtains user's mobility data；
Notch detection module, for classifying by preset data dimension to user's mobility data, to sorted use
Family mobility data carry out mobility gap analysis respectively, and show corresponding analysis result.
9. a kind of mobility notch detection equipment, which is characterized in that the mobility notch detection equipment includes: memory, place
Reason device and the mobility notch detection program that is stored on the memory and can run on the processor, the mobility
Notch detection program is arranged for carrying out the step of mobility notch detection method as described in any one of claims 1 to 7.
10. a kind of storage medium, which is characterized in that be stored with mobility notch detection program, the stream on the storage medium
Dynamic property notch detection program realizes mobility notch detection side as described in any one of claim 1 to 7 when being executed by processor
The step of method.
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