CN109658251A - Excess reserve rate querying method, device, equipment and storage medium - Google Patents
Excess reserve rate querying method, device, equipment and storage medium Download PDFInfo
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- CN109658251A CN109658251A CN201811144144.9A CN201811144144A CN109658251A CN 109658251 A CN109658251 A CN 109658251A CN 201811144144 A CN201811144144 A CN 201811144144A CN 109658251 A CN109658251 A CN 109658251A
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- G—PHYSICS
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- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/06—Asset management; Financial planning or analysis
Abstract
The invention discloses a kind of excess reserve rate querying method, device, equipment and storage mediums, this method comprises: receiving excess reserve rate inquiry instruction, extract the query argument for including in excess reserve rate inquiry instruction；The corresponding excess reserve data of target user are obtained from banking system according to query argument；The query time section for including in query argument is read, according to the corresponding excess reserve rate of each timing node in excess reserve data acquisition query time section；The excess reserve rate wave pattern in query time section is generated according to excess reserve rate, and excess reserve rate wave pattern is pushed into target user, excess reserve rate querying method provided by the invention obtains the mode of excess reserve rate situation of change compared to existing manual analysis Excel report, it can not only guarantee the accuracy of excess reserve data got, also the overall variation situation that excess reserve rate can intuitively, be accurately shown for user, is conducive to user in conjunction with own situation and carries out investment optimization.
Description
Technical field
The present invention relates to financial technology fields more particularly to a kind of excess reserve rate querying method, device, equipment and storage to be situated between
Matter.
Background technique
So-called excess reserve rate (Cash reserve ratio), also referred to as excess reserve rate (Excess reserves
Rate), refer to that the money-capital of guaranteed deposit payment and fund clearing accounts for the ratio of total deposit.
Currently, the business personnel of financial industry is led to when carrying out the analysis of excess reserve rate and investment return analysis for user
It is often to be carried out based on Excel report, this by way of manual analysis report, one side low efficiency and error-prone, once
There is relatively large deviation for will lead to the analysis result finally obtained in some corrupt data；On the other hand, user can not be accurate, straight
The overall variation situation of the grasp excess reserve rate of sight is unfavorable for user in conjunction with own situation and carries out investment optimization.
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 excess reserve rate querying method, device, equipment and storage medium, purports
Lower in the existing excess reserve rate analysis mode accuracy rate of solution, user can not accurately, intuitively grasp the entirety of excess reserve rate
The technical issues of situation of change.
To achieve the above object, it the present invention provides a kind of excess reserve rate querying method, the described method comprises the following steps:
Excess reserve rate inquiry instruction is received, the query argument for including in the excess reserve rate inquiry instruction is extracted；
The corresponding excess reserve data of target user are obtained from banking system according to the query argument；
The query time section for including in the query argument is read, when inquiring according to the excess reserve data acquisition
Between the corresponding excess reserve rate of each timing node in section；
The excess reserve rate wave pattern in the query time section is generated according to the excess reserve rate, and by the excess reserve
Rate wave pattern pushes to the target user.
Preferably, the target user corresponding excess reserve data of being obtained from banking system according to the query argument
Step, comprising:
It reads the inquiry user identifier for including in the query argument, is being constructed in advance according to the inquiry user identifier
Corresponding target user's identity information is searched in mapping relations between user identifier and subscriber identity information；
The corresponding excess reserve data of target user are obtained from banking system according to target user's identity information.
Preferably, described that excess reserve rate wave pattern in the query time section is generated according to the excess reserve rate, and
After the step of excess reserve rate wave pattern is pushed to the target user, the method also includes；
When receiving the data distribution inquiry instruction based on excess reserve rate wave pattern input, the data point are extracted
The time parameter for including in cloth inquiry instruction；
The data distribution inquiry instruction corresponding inquiry period is determined according to the time parameter, and obtains the inquiry
Excess reserve rate data in period；
It determines that excess reserve rate shows range according to the excess reserve rate data, and range, which carries out, to be shown to the excess reserve rate
It divides, obtains excess reserve rate and show section；
Distribution situation of each excess reserve rate in excess reserve rate displaying section in the excess reserve rate data is counted, is obtained
Obtain excess reserve rate distribution map.
Preferably, described to determine that excess reserve rate shows range according to the excess reserve rate data, and to the excess reserve rate
It shows that range is divided, obtains the step of excess reserve rate shows section, comprising:
By each excess reserve rate for including in the excess reserve rate data by being ranked up from big to small, and according to ranking results
Determine maximum excess reserve rate and minimum excess reserve rate；
Using the minimum excess reserve rate as lower limit value, the maximum excess reserve rate determines excess reserve rate exhibition as upper limit value
Demonstration is enclosed；
Range, which divides, to be shown to the excess reserve rate, excess reserve rate is obtained and shows section.
Preferably, each excess reserve rate is shown in section in the excess reserve rate in the statistics excess reserve rate data
After the step of distribution situation, acquisition excess reserve rate distribution map, the method also includes:
When receiving the information inquiry instruction based on excess reserve rate distribution map input, extracts the information inquiry and refer to
The section mark for including in order；
It is identified according to the section and determines that target excess reserve rate shows that section and the target excess reserve rate show section
Corresponding interval censored data；
The corresponding excess reserve amount of money of the interval censored data is read, the excess reserve amount of money is input to preparatory structure
The investment model built, and obtain the profitable result of the default investment model output.
Preferably, the method also includes:
Model construction instruction is received, the investment model to be set locally prestored according to model construction instruction acquisition is simultaneously right
The investment model to be set is shown；
When receiving the model setting parameter based on described wait set investment model input, it is arranged according to the model and is joined
It is several that model construction is carried out to the investment model to be set, obtain investment model.
Preferably, the target user corresponding excess reserve data of being obtained from banking system according to the query argument
After step, the method also includes:
Obtain the current data format of the excess reserve data, and detect the current data format whether with preset data
Format is consistent；
If inconsistent, the data conversion rule locally prestored is read, and according to the data conversion rule to described standby
Golden number is paid according to Data Format Transform is carried out, obtains target excess reserve data；
It is described to read the query time section for including in the query argument, it is looked into according to the excess reserve data acquisition
The step of asking each timing node corresponding excess reserve rate in time interval, comprising:
The query time section for including in the query argument is read, is looked into according to the target excess reserve data acquisition
Ask the corresponding excess reserve rate of each timing node in time interval.
In addition, to achieve the above object, the present invention also proposes a kind of excess reserve rate inquiry unit, described device includes:
Instruct respond module, for receiving excess reserve rate inquiry instruction, extract in the excess reserve rate inquiry instruction and include
Query argument；
Data acquisition module, for obtaining the corresponding excess reserve of target user from banking system according to the query argument
Data；
Data inquiry module, for reading the query time section for including in the query argument, according to the excess reserve
The corresponding excess reserve rate of each timing node in query time section described in data acquisition；
Diagrammatic representation module, for generating the fluctuation of the excess reserve rate in the query time section according to the excess reserve rate
Figure, and the excess reserve rate wave pattern is pushed into the target user.
In addition, to achieve the above object, the present invention also proposes a kind of excess reserve rate query facility, the excess reserve rate inquiry
Equipment includes: memory, processor and is stored in the excess reserve rate that can be run on the memory and on the processor and looks into
The step of inquiry program, the excess reserve rate polling routine is arranged for carrying out excess reserve rate querying method as described above.
In addition, to achieve the above object, the present invention also proposes a kind of storage medium, provision is stored on the storage medium
Golden rate polling routine, the excess reserve rate polling routine realize excess reserve rate issuer as described above when being executed by processor
The step of method.
The present invention extracts the query argument for including in excess reserve rate inquiry instruction by receiving excess reserve rate inquiry instruction；
The corresponding excess reserve data of target user are obtained from banking system according to query argument；Read the inquiry for including in query argument
Time interval, according to the corresponding excess reserve rate of each timing node in excess reserve data acquisition query time section；According to provision
Golden rate generates the excess reserve rate wave pattern in query time section, and excess reserve rate wave pattern is pushed to target user.Due to
The present invention is that the corresponding excess reserve data of user, Yi Jicha are obtained according to the query argument for including in excess reserve rate inquiry instruction
Time interval is ask, then according to the corresponding excess reserve rate of each timing node in excess reserve data acquisition query time section and life
At the excess reserve rate wave pattern in query time section, thus compared to existing manual analysis Excel report to obtain provision
The mode of golden rate situation of change can not only guarantee the accuracy of excess reserve data got, also can intuitively, accurately use
Family shows the overall variation situation of excess reserve rate, is conducive to user in conjunction with own situation and carries out investment optimization.
Detailed description of the invention
Fig. 1 is the structural representation of the excess reserve rate query facility for the hardware running environment that the embodiment of the present invention is related to
Figure；
Fig. 2 is the flow diagram of excess reserve rate querying method first embodiment of the present invention；
Fig. 3 is the flow diagram of excess reserve rate querying method second embodiment of the present invention；
Fig. 4 is the flow diagram of excess reserve rate querying method 3rd embodiment of the present invention；
Fig. 5 is the structural block diagram of excess reserve rate inquiry unit 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 excess reserve rate query facility structure for the hardware running environment that the embodiment of the present invention is related to
Schematic diagram.
As shown in Figure 1, the excess reserve rate query facility 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 does not constitute the limit to excess reserve rate query facility
It is fixed, it 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 excess reserve rate polling routine.
In excess reserve rate query facility shown in Fig. 1, network interface 1004 is mainly used for being counted with network server
According to communication；User interface 1003 is mainly used for carrying out data interaction with user；Processing in excess reserve rate query facility of the present invention
Device 1001, memory 1005 can be set in excess reserve rate query facility, and the excess reserve rate query facility passes through processor
The excess reserve rate polling routine stored in 1001 calling memories 1005, and execute excess reserve rate provided in an embodiment of the present invention and look into
Inquiry method.
The embodiment of the invention provides a kind of excess reserve rate querying methods, and referring to Fig. 2, Fig. 2 is that excess reserve rate of the present invention is looked into
The flow diagram of inquiry method first embodiment.
In the present embodiment, the excess reserve rate querying method the following steps are included:
Step S10: receiving excess reserve rate inquiry instruction, extracts the inquiry ginseng for including in the excess reserve rate inquiry instruction
Number；
It should be noted that the executing subject of the present embodiment method can be can provide excess reserve rate inquiry clothes for user
The client-side program (hereinafter referred to as client) of business, and or carry the terminal device of the client, such as mobile phone, plate electricity
Brain, PC, notebook etc..The query argument can be the inquiry data letter carried in the excess reserve rate inquiry instruction
Breath, the inquiry data information may include inquiry user identifier and query time region；Wherein, the inquiry user identifier can be
For the identity of the determining user for needing to carry out excess reserve rate inquiry, if the user is individual, the identity
It can be the information such as personal name, ID card No., if the user is enterprise, the identity can be enterprise
The information such as enterprise name, business code.
It should be understood that the query time section, that is, excess reserve rate inquiry corresponding inquiry period, such as " 2018/
", the excess reserve rate, also referred to as excess reserve rate refer to guaranteed deposit payment and fund clearing
Money-capital accounts for the ratio of total deposit.
In the concrete realization, user can be by clicking corresponding trigger control in the information query page that client is shown
Or button so that client according to the click event generate excess reserve rate inquiry instruction, and to the excess reserve rate inquiry instruction into
Query argument that include in excess reserve rate inquiry instruction, that user pre-enters is extracted in row parsing.
Step S20: the corresponding excess reserve data of target user are obtained from banking system according to the query argument；
It will be appreciated that it is more than reserve requirements on deposit rate that excess reserve, which generally refers to business bank there are the Central Bank,
Part deposit or payment mechanism are the advance currency money to be paid handling the payment transaction of customer consignment and actually receiving
Gold.Target user described in the present embodiment includes business bank, other financial institutions or Third-party payment mechanism etc..The provision
Golden number occupies the ratio of family total deposit according to the excess reserve amount of money, total deposit and the excess reserve amount of money including being stored in the Central Bank
Rate etc.
In the concrete realization, the inquiry user identifier for including in the query argument can be read in client, is looked into according to described
It askes user identifier and searches corresponding target use in the mapping relations between the user identifier and subscriber identity information constructed in advance
Family identity information；Then the corresponding provision golden number of target user is obtained from banking system according to target user's identity information
According to, such as it is " 01234567 " (business code) that client reads the inquiry user identifier of target user from query argument,
Then client is according to the inquiry user identifier " 01234567 " between the user identifier and subscriber identity information constructed in advance
The target user's identity information found in mapping relations is " xx company ", and client can be according to target user's identity at this time
Information " xx company " obtains " xx company " corresponding excess reserve data from banking system.
Moreover, it will be understood that for data information secure context the considerations of, different banks is in storing data when institute
The data memory format of use might not be identical, and to guarantee that client can operate normally, client is from silver in the present embodiment
The data needs read in row system just can be carried out corresponding data operation after being first formatted to it.
In the concrete realization, client can be obtained further described standby after getting excess reserve data from banking system
The current data format of golden number evidence is paid, and whether detect the current data format consistent with preset data form；If inconsistent,
The data conversion rule locally prestored is then read, and data lattice are carried out to the excess reserve data according to the data conversion rule
Formula conversion, obtains target excess reserve data.
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.Preset data form described in the present embodiment, i.e.,
Used data format when pre-set client analysis or processing data.
It should be noted that being quickly converted to realize to data format, research staff can write corresponding number in advance
It according to transformation rule and saves, in the present embodiment, the data conversion rule can be banking system excess reserve data and client
Object Relation Mapping (Object Relational Mapping, ORM) between excess reserve data, so-called Object Relation Mapping,
Data are transformed into another form from a kind of form.Specifically, the client can be according to the number in the present embodiment
According to the Object Relation Mapping between the banking system excess reserve data for including in transformation rule and client excess reserve data to institute
It states excess reserve data (getting excess reserve data from banking system) and carries out Data Format Transform, obtain target provision golden number
According to.
It further, is the development task for reducing research staff, client can pass through data warehouse technology in this implementation
(Extract-Transform-Load, ETL) excess reserve data and carries out Data Format Transform to obtain from banking system, specifically
, client can be by calling ETL tool to extract target data source system (i.e. client from source data source system (i.e. banking system)
End) need data；Then the data obtained from source data source are converted according to business demand (the i.e. described data conversion rule)
At the form that target data source requires, and mistake, inconsistent data are cleaned and are processed and obtain formatted data,
Then formatted data are loaded onto target data source (i.e. client), to further increase the effect of Data Format Transform
Rate.
Step S30: reading the query time section for including in the query argument, according to the excess reserve data acquisition institute
State the corresponding excess reserve rate of each timing node in query time section；
It should be understood that the query time section can be, the preset excess reserve rate inquiry of user is corresponding to be looked into
It askes the period, the corresponding timing node can be several time points that the query time section is included, such as inquire
Time interval is that " 2018/01/01-2018/06/30 " then the timing node can be such as 2018/01/01,2018/01/
02 ... the 2018/05/01 equal time point as unit of day.
It will be appreciated that the excess reserve rate refers to that the money-capital of guaranteed deposit payment and fund clearing accounts for total deposit
Ratio.It is practical to calculate, the excess reserve rate=excess reserve total value/total deposit × 100%=(deposit in the Central Bank+
Cash on hand-required reserve)/total deposit × 100%.Client is in the provision for getting target user in the present embodiment
Golden number after, can according in excess reserve data the excess reserve amount of money and total deposit query time area calculated by above-mentioned formula
The interior corresponding excess reserve rate of each timing node.
Step S40: generating the excess reserve rate wave pattern in the query time section according to the excess reserve rate, and by institute
It states excess reserve rate wave pattern and pushes to the target user.
In this step, client can after calculating the corresponding excess reserve rate of each timing node in query time section
The excess reserve rate wave pattern in the query time section is generated according to predetermined manner, wherein the predetermined manner may is that with
Query time section is abscissa using excess reserve rate as ordinate, shows that each timing node in query time section is corresponding standby
The consecutive variations situation of golden rate is paid, to obtain excess reserve rate wave pattern.
Further, client can be according to pre-set benchmark parameter (such as inside reference value of the same trade or business, bank
Setting value, the average value based on historical data) various dimensions compare displaying to the consecutive variations situation of excess reserve rate respectively,
Client can be graphically intuitive to show the selected date by dimension set by user and Close Date i.e. in the present embodiment
Excess reserve rate distribution situation in range, and be compared with various benchmarks.
Further, in the present embodiment, user can be corresponding by clicking different time nodes in excess reserve rate wave pattern
Excess reserve rate obtain the corresponding detailed data of the timing node, such as date, current excess reserve rate, benchmark parameter
Deng so that the corresponding excess reserve rate correlation circumstance of each timing node be understood more intuitively.
The present embodiment extracts the inquiry ginseng for including in excess reserve rate inquiry instruction by receiving excess reserve rate inquiry instruction
Number；The corresponding excess reserve data of target user are obtained from banking system according to query argument；It reads in query argument and includes
Query time section, according to the corresponding excess reserve rate of each timing node in excess reserve data acquisition query time section；According to
Excess reserve rate generates the excess reserve rate wave pattern in query time section, and excess reserve rate wave pattern is pushed to the target and is used
Family, excess reserve rate querying method provided in this embodiment is compared to existing manual analysis Excel report to obtain excess reserve rate
The mode of situation of change can not only guarantee the accuracy of excess reserve data got, also can be intuitively, accurately user's exhibition
The overall variation situation for showing excess reserve rate is conducive to user in conjunction with own situation and carries out investment optimization.
With reference to Fig. 3, Fig. 3 is the flow diagram of excess reserve rate querying method second embodiment of the present invention.
Based on the various embodiments described above, in the present embodiment, after the step S40, the method also includes:
Step S50: when receiving the data distribution inquiry instruction based on excess reserve rate wave pattern input, institute is extracted
State the time parameter for including in data distribution inquiry instruction；
It should be noted that research staff can be arranged one in the page for showing excess reserve rate wave pattern in the present embodiment
For the key of trigger data distribution inquiry instruction, in order to which user is wanting to know about excess reserve rate in query time section
When distribution situation, data distribution inquiry instruction can be issued by clicking the key.The time parameter, that is, user's input inquiry
Time range, which includes from date and deadline.
In the concrete realization, client is in the data distribution for receiving excess reserve rate wave pattern input of the user based on displaying
When inquiry instruction, which is parsed to extract the time parameter for including in instruction.
Step S60: the data distribution inquiry instruction corresponding inquiry period is determined according to the time parameter, and is obtained
Excess reserve rate data in the inquiry period；
It should be noted that the excess reserve rate data include at least excess reserve rate and excess reserve rate corresponding date.
In the concrete realization, when client determines inquiry according to the time parameter extracted in data distribution inquiry instruction
Section, such as determine this inquiry period on June 1st, 2018 extremely according to time parameter " 2018/06/01-2018/07/31 "
Then the inquiry period is obtained from the excess reserve data obtained in advance further according to the inquiry period determined on July 31st, 2018
Interior excess reserve rate data.
Step S70: it determines that excess reserve rate shows range according to the excess reserve rate data, and the excess reserve rate is shown
Range is divided, and is obtained excess reserve rate and is shown section；
It should be understood that for convenient for user can distribution situation of the more intuitive understanding to excess reserve rate, the present embodiment
In, client can determine displaying range when this excess reserve rate is shown according to the excess reserve rate data got, and to this
It shows that range is divided, obtains excess reserve rate and show section.
Specifically, client can be by each excess reserve rate for including in the excess reserve rate data by arranging from big to small
Sequence, and maximum excess reserve rate and minimum excess reserve rate are determined according to ranking results；Using the minimum excess reserve rate as lower limit
Value, the maximum excess reserve rate determine that excess reserve rate shows range as upper limit value；Range, which carries out, to be shown to the excess reserve rate
It divides, obtains excess reserve rate and show section.For example, client by each excess reserve rate by being ranked up from big to small after, according to
Ranking results determine that maximum excess reserve rate is 7%, minimum excess reserve rate 0, then excess reserve rate shows that range is (0~7%), so
Range, which divides, to be shown to the excess reserve rate afterwards, excess reserve rate is obtained and shows section.
Further, client can show that section carries out interval division, tool to the excess reserve rate determined in the present embodiment
Body, which can be, is divided into the section of preset number for excess reserve rate displaying section, for example, by excess reserve rate show range be (0~
7%) 10 equal parts are divided into, 10 excess reserve rates is obtained and shows section.
Step S80: each excess reserve rate in the excess reserve rate data that counts shows point in section in the excess reserve rate
Cloth situation obtains excess reserve rate distribution map.
It should be noted that client will also count provision after getting excess reserve rate and showing section in the present embodiment
Each excess reserve rate shows the distribution situation in section in the excess reserve rate in golden rate data, for example, inquiring in June, 2018 period
It include 61 excess reserve rates in excess reserve rate data during on July 31st, 1 day 1, client can be respectively to this 61
Excess reserve rate is in " 0~0.7% " ... " 6.3%~7% ", and this ten excess reserve rates show that the distribution situation in section is counted,
The quantity that each excess reserve rate shows the corresponding excess reserve rate in section is obtained, and the distribution of excess reserve rate is generated according to statistical result
Figure.
Further, in this step, client can show section as abscissa, with excess reserve rate exhibition using excess reserve rate
The quantity for showing the corresponding excess reserve rate in section is that ordinate generates the excess reserve rate distribution map.
Further, the excess reserve rate concrete condition in section, which carries out further, to be shown to each excess reserve rate for the ease of user
Understand, research staff can also be arranged one for triggering pressing for information inquiry instruction in the page for showing excess reserve rate distribution map
Key can issue information inquiry instruction, phase by clicking the key in order to which user is when wanting to know about excess reserve rate concrete condition
Ying Di, client are extracted the information and are looked into when receiving the information inquiry instruction based on excess reserve rate distribution map input
Ask the section mark for including in instruction；It is identified according to the section and determines that target excess reserve rate shows section and the target
Excess reserve rate shows the corresponding interval censored data in section；The corresponding excess reserve amount of money of the interval censored data is read, it will be described super
The volume Reserve Fund amount of money is input to the investment model constructed in advance, and obtains the profitable result of the default investment model output.
Wherein, the section mark can be the character information for distinguishing different excess reserve rates displaying section, such as
" 1.40/2.10 " indicates that excess reserve rate shows section (1.4%~2.1%), and the interval censored data includes that excess reserve rate is corresponding
Data Date, the excess reserve amount of money, excess excess reserve rate etc..The investment model can be user and be born based on itself risk
Ability, product preference, the investment mould for excess excess reserve for redeeming the information settings such as timeliness, product element preference priority
Type.
The present embodiment is by extracting number when receiving the data distribution inquiry instruction based on the input of excess reserve rate wave pattern
According to the time parameter for including in distribution inquiry instruction；When determining the corresponding inquiry of data distribution inquiry instruction according to time parameter
Section, and obtain the excess reserve rate data in the inquiry period；Determine that excess reserve rate shows range according to excess reserve rate data, and to standby
It pays golden rate and shows that range is divided, obtain excess reserve rate and show section；Each excess reserve rate is standby in statistics excess reserve rate data
It pays golden rate and shows that the distribution situation in section obtains excess reserve rate distribution map, allow users to more intuitive understanding to provision
The distribution situation of golden rate, while excess reserve is invested by user's preset investment model, throwing is estimated in acquisition
Income is provided, investment optimization can be carried out for user, effective reference is provided.
With reference to Fig. 4, Fig. 4 is the flow diagram of excess reserve rate querying method 3rd embodiment of the present invention.
Based on the various embodiments described above, in the present embodiment, the method also includes:
Step S01: receiving model construction instruction, is invested according to what model construction instruction acquisition locally prestored wait set
Model is simultaneously shown the investment model to be set；
It should be noted that can be research staff preconfigured for the investment model to be set, by user be based on from
Body risk tolerance, product preference redeem " blank " that the information such as timeliness, product element preference priority carry out model specification
Investment model, user can set corresponding parameter in " blank " investment model to establish investment model.
In the concrete realization, client end response is obtained in the model construction instruction received according to model construction instruction
The investment model to be set locally prestored is taken, is shown on current page and is somebody's turn to do investment model to be set, and user is prompted to input phase
The model setting parameter answered.
Step S02: when receiving the model setting parameter based on described wait set investment model input, according to the mould
Type is arranged parameter and carries out model construction to the investment model to be set, and obtains investment model.
It should be noted that parameter is arranged in the model can include: produced for buying " conservative type " and " income type "
The amount of money ratio of product redeems timeliness for buying conservative type products ratio between investments, the priority of revenue product investment, product
Deng, wherein " conservative type " product include it is overnight pledge repurchase and inter-bank lending and borrowing overnight, " income type " product includes currency base
Gold and the financing of stock trader's cash.
In the concrete realization, client is arranged parameter according to model and treats setting throwing when receiving model setting parameter
It provides model and carries out model construction acquisition investment model.
In excess reserve rate querying method provided in this embodiment, client in response to the model construction received by referring to
It enables, obtains the investment model to be set that locally prestores and treat setting investment model and be shown, receiving based on wait set
When parameter is arranged in the model of investment model input, parameter is arranged according to model and treats setting investment model progress model construction acquisition
Investment model realizes user and sets to the personalization of investment model, improves the investment experiences of user.
In addition, the embodiment of the present invention also proposes a kind of storage medium, the inquiry of excess reserve rate is stored on the storage medium
Program, the excess reserve rate polling routine realize the step of excess reserve rate querying method as described above when being executed by processor
Suddenly.
It is the structural block diagram of excess reserve rate inquiry unit first embodiment of the present invention referring to Fig. 5, Fig. 5.
As shown in figure 5, the excess reserve rate inquiry unit that the embodiment of the present invention proposes includes:
Instruction respond module 501 is extracted and is wrapped in the excess reserve rate inquiry instruction for receiving excess reserve rate inquiry instruction
The query argument contained；
Data acquisition module 502, it is corresponding standby for obtaining target user from banking system according to the query argument
Pay golden number evidence；
Data inquiry module 503, for reading the query time section for including in the query argument, according to the provision
The corresponding excess reserve rate of each timing node in query time section described in golden data acquisition；
Diagrammatic representation module 504, for generating the excess reserve rate in the query time section according to the excess reserve rate
Wave pattern, and the excess reserve rate wave pattern is pushed into the target user.
The present embodiment extracts the inquiry ginseng for including in excess reserve rate inquiry instruction by receiving excess reserve rate inquiry instruction
Number；The corresponding excess reserve data of target user are obtained from banking system according to query argument；It reads in query argument and includes
Query time section, according to the corresponding excess reserve rate of each timing node in excess reserve data acquisition query time section；According to
Excess reserve rate generates the excess reserve rate wave pattern in query time section, and excess reserve rate wave pattern is pushed to target user,
Excess reserve rate querying method provided in this embodiment obtains the variation of excess reserve rate compared to existing manual analysis Excel report
The mode of situation can not only guarantee the accuracy of excess reserve data got, also can intuitively, accurately show for user standby
The overall variation situation for paying golden rate is conducive to user in conjunction with own situation and carries out investment optimization.
Based on the above-mentioned excess reserve rate inquiry unit first embodiment of the present invention, excess reserve rate inquiry unit of the present invention is proposed
Second embodiment.
In the present embodiment, described instruction respond module 501 is also used to read the inquiry in the query argument included and uses
Family mark, according to the inquiry user identifier in the mapping relations between the user identifier and subscriber identity information constructed in advance
Search corresponding target user's identity information；Target user couple is obtained from banking system according to target user's identity information
The excess reserve data answered.
Further, the diagrammatic representation module 504 is also used to receiving based on excess reserve rate wave pattern input
Data distribution inquiry instruction when, extract the time parameter for including in the data distribution inquiry instruction；Joined according to the time
Number determines the data distribution inquiry instruction corresponding inquiry period, and obtains the excess reserve rate data in the inquiry period；
It determines that excess reserve rate shows range according to the excess reserve rate data, and range, which divides, to be shown to the excess reserve rate, obtain
It obtains excess reserve rate and shows section；Each excess reserve rate in the excess reserve rate data is counted to show in section in the excess reserve rate
Distribution situation obtains excess reserve rate distribution map.
Further, the diagrammatic representation module 504 is also used to each excess reserve that will include in the excess reserve rate data
Rate determines maximum excess reserve rate and minimum excess reserve rate by being ranked up from big to small, and according to ranking results；By described in most
Small excess reserve rate determines that excess reserve rate shows range as upper limit value as lower limit value, the maximum excess reserve rate；To described standby
It pays golden rate and shows that range is divided, obtain excess reserve rate and show section.
Further, in this embodiment the excess reserve rate inquiry unit further includes income calculation module, the income meter
Module is calculated, for the information being extracted and being looked into when receiving the information inquiry instruction based on excess reserve rate distribution map input
Ask the section mark for including in instruction；It is identified according to the section and determines that target excess reserve rate shows section and the target
Excess reserve rate shows the corresponding interval censored data in section；The corresponding excess reserve amount of money of the interval censored data is read, it will be described super
The volume Reserve Fund amount of money is input to the investment model constructed in advance, and obtains the profitable result of the default investment model output.
Further, in this embodiment the excess reserve rate inquiry unit further includes model building module, the model is built
Formwork erection block obtains the investment model to be set locally prestored according to model construction instruction for receiving model construction instruction
And the investment model to be set is shown；Receiving the model setting ginseng based on the investment model input to be set
When number, parameter is arranged according to the model, model construction is carried out to the investment model to be set, obtain investment model.
Further, the data acquisition module 502 is also used to obtain the current data format of the excess reserve data,
Whether and it is consistent with preset data form to detect the current data format；If inconsistent, read the data locally prestored and turn
Rule is changed, and Data Format Transform is carried out to the excess reserve data according to the data conversion rule, obtains target excess reserve
Data；Correspondingly, the data inquiry module 503 is also used to read the query time section in the query argument included, root
According to the corresponding excess reserve rate of each timing node in query time section described in the target excess reserve data acquisition.
The other embodiments or specific implementation of excess reserve rate inquiry unit of the present invention can refer to above-mentioned each method and implement
Example, 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 excess reserve rate querying method, which is characterized in that the described method includes:
Excess reserve rate inquiry instruction is received, the query argument for including in the excess reserve rate inquiry instruction is extracted；
The corresponding excess reserve data of target user are obtained from banking system according to the query argument；
The query time section for including in the query argument is read, according to query time area described in the excess reserve data acquisition
The interior corresponding excess reserve rate of each timing node；
The excess reserve rate wave pattern in the query time section is generated according to the excess reserve rate, and by the excess reserve rate wave
Cardon pushes to the target user.
2. the method as described in claim 1, which is characterized in that described to obtain mesh from banking system according to the query argument
The step of marking user's corresponding excess reserve data, comprising:
The inquiry user identifier for including in the query argument is read, according to the inquiry user identifier in the user constructed in advance
Corresponding target user's identity information is searched in mapping relations between mark and subscriber identity information；
The corresponding excess reserve data of target user are obtained from banking system according to target user's identity information.
3. method according to claim 2, which is characterized in that described to generate the query time area according to the excess reserve rate
Interior excess reserve rate wave pattern, and after the step of excess reserve rate wave pattern is pushed to the target user, it is described
Method further includes；
When receiving the data distribution inquiry instruction based on excess reserve rate wave pattern input, extracts the data distribution and look into
Ask the time parameter for including in instruction；
The data distribution inquiry instruction corresponding inquiry period is determined according to the time parameter, and obtains the inquiry period
Interior excess reserve rate data；
It determines that excess reserve rate shows range according to the excess reserve rate data, and range, which is drawn, to be shown to the excess reserve rate
Point, it obtains excess reserve rate and shows section；
Distribution situation of each excess reserve rate in excess reserve rate displaying section in the excess reserve rate data is counted, is obtained standby
Pay golden rate distribution map.
4. method as claimed in claim 3, which is characterized in that described to determine excess reserve rate exhibition according to the excess reserve rate data
Demonstration is enclosed, and shows that range divides to the excess reserve rate, obtains the step of excess reserve rate shows section, comprising:
By each excess reserve rate for including in the excess reserve rate data by being ranked up from big to small, and determined according to ranking results
Maximum excess reserve rate and minimum excess reserve rate out；
Using the minimum excess reserve rate as lower limit value, the maximum excess reserve rate determines that excess reserve rate shows model as upper limit value
It encloses；
Range, which divides, to be shown to the excess reserve rate, excess reserve rate is obtained and shows section.
5. method as claimed in claim 3, which is characterized in that each excess reserve rate exists in the statistics excess reserve rate data
After the step of excess reserve rate shows the distribution situation in section, obtains excess reserve rate distribution map, the method also includes:
When receiving the information inquiry instruction based on excess reserve rate distribution map input, extract in the information inquiry instruction
The section mark for including；
It is identified according to the section and determines that target excess reserve rate shows that section and the target excess reserve rate show that section is corresponding
Interval censored data；
The corresponding excess reserve amount of money of the interval censored data is read, the excess reserve amount of money is input to and is constructed in advance
Investment model, and obtain the profitable result of the default investment model output.
6. the method as described in claim 1, which is characterized in that the method also includes:
Model construction instruction is received, the investment model to be set locally prestored is obtained according to model construction instruction and to described
Investment model to be set is shown；
When receiving the model setting parameter based on described wait set investment model input, parameter pair is arranged according to the model
The investment model to be set carries out model construction, obtains investment model.
7. the method as described in claim 1, which is characterized in that described to obtain mesh from banking system according to the query argument
After the step of marking user's corresponding excess reserve data, the method also includes:
Obtain the current data format of the excess reserve data, and detect the current data format whether with preset data form
Unanimously；
If inconsistent, the data conversion rule locally prestored is read, and according to the data conversion rule to the excess reserve
Data carry out Data Format Transform, obtain target excess reserve data；
It is described to read the query time section for including in the query argument, when being inquired according to the excess reserve data acquisition
Between each timing node in section corresponding excess reserve rate the step of, comprising:
The query time section for including in the query argument is read, when inquiring according to the target excess reserve data acquisition
Between the corresponding excess reserve rate of each timing node in section.
8. a kind of excess reserve rate inquiry unit, which is characterized in that described device includes:
Respond module is instructed, excess reserve rate inquiry instruction is received for ringing, extracts in the excess reserve rate inquiry instruction and include
Query argument；
Data acquisition module, for obtaining the corresponding provision golden number of target user from banking system according to the query argument
According to；
Data inquiry module, for reading the query time section for including in the query argument, according to the excess reserve data
Obtain the corresponding excess reserve rate of each timing node in the query time section；
Diagrammatic representation module, for generating the excess reserve rate wave pattern in the query time section according to the excess reserve rate,
And the excess reserve rate wave pattern is pushed into the target user.
9. a kind of excess reserve rate query facility, which is characterized in that the excess reserve rate query facility includes: memory, processor
And the excess reserve rate polling routine that is stored on the memory and can run on the processor, the excess reserve rate inquiry
Program is arranged for carrying out the step of excess reserve rate querying 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 excess reserve rate polling routine, the provision on the storage medium
Golden rate polling routine realizes the step of excess reserve rate querying method as described in any one of claim 1 to 7 when being executed by processor
Suddenly.
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