CN110175902A - A kind of risk management and control method - Google Patents
A kind of risk management and control method Download PDFInfo
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- CN110175902A CN110175902A CN201910281608.9A CN201910281608A CN110175902A CN 110175902 A CN110175902 A CN 110175902A CN 201910281608 A CN201910281608 A CN 201910281608A CN 110175902 A CN110175902 A CN 110175902A
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- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/02—Banking, e.g. interest calculation or account maintenance
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- 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
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Abstract
The invention discloses a kind of risk management and control methods, the earning rate and stability bandwidth of financial product are calculated by the open market data of financial product, and provide a selection interface, user is allowed to select the sort method of financial product by selection interface, financial product is ranked up display in display interface according to sort method, the income of financial product and fluctuation risk are showed in user, financial product is selected according to own situation for user, to achieve the purpose that control risk.
Description
Technical field
The present invention relates to data management field more particularly to a kind of risk management and control methods.
Background technique
With the fast development of banking, each business bank constantly releases various financial products.However since finance produces
The market price of product and the continuous variation of interest rate, user can have the biggish market risk after buying financial product.Therefore, such as
What, which carries out risk management and control to financial product, becomes increasingly important.
Not yet exist in the prior art and the income of financial product and fluctuation risk are showed in user are selected for user
The risk management and control method selected.
Summary of the invention
For the above-mentioned problems in the prior art, a kind of risk management and control method is now provided.
Specific technical solution is as follows:
A kind of risk management and control method, comprising the following steps:
Step S1, according to the open market data of financial product, the earning rate and stability bandwidth of financial product are calculated；
Step S2, a selection interface is provided, the sort method of financial product is selected for user；
Step S3, a display interface is provided, to the sort method that is selected according to user by the financial product into
Row sequencing display.
Preferably, the risk management and control method further include:
Step S4, a first threshold and a second threshold are provided；
Step S5, with the present worth for having bought financial product in a predetermined time cycle detection user account；
Step S6, judge whether the present worth is greater than the first threshold, then issue the user with prompt in this way；
Step S7, judge whether the present worth is less than the second threshold, then issue the user with warning in this way.
Preferably, the earning rate is the growth rate of the value of the financial product in preset first time period.
Preferably, obtain the stability bandwidth the following steps are included:
Step S11, the value of the financial product in preset second time period is obtained；
Step S12, find out the second time period end the value and the second time period at the beginning of the value it
The natural logrithm of ratio；
Step S13, the standard deviation of the natural logrithm is obtained according to the natural logrithm, by the standard deviation multiplied by described
The square root of the ratio of first time period and the second time period, the data obtained is the stability bandwidth.
Preferably, the sort method is that single-element sorts or plural elements sequence sorts.
Preferably, in the step S6, one first prompt interface is provided, to prompt to user.
Preferably, the first prompt interface includes radio network interface.
Preferably, in the step S7, one second prompt interface is provided, to alert to user.
Preferably, the second prompt interface includes radio network interface.
Preferably, in the step S4, an input interface is provided, inputs the first threshold and/or described for user
Two threshold values；
Further include a storage unit, connect the input interface, for store user input the first threshold and/or
The second threshold.
Above-mentioned technical proposal have the following advantages that or the utility model has the advantages that
The income of financial product and fluctuation risk are showed in by above-mentioned technical proposal by a kind of risk management and control method
User selects financial product according to own situation for user, to achieve the purpose that control risk.
Detailed description of the invention
Fig. 1-3 is a kind of process step schematic diagram of risk management and control method embodiment of the present invention.
Specific embodiment
Following will be combined with the drawings in the embodiments of the present invention, and technical solution in the embodiment of the present invention carries out clear, complete
Site preparation description, it is clear that described embodiments are only a part of the embodiments of the present invention, instead of all the embodiments.It is based on
Embodiment in the present invention, those of ordinary skill in the art without creative labor it is obtained it is all its
His embodiment, shall fall within the protection scope of the present invention.
It should be noted that in the absence of conflict, the feature in embodiment and embodiment in the present invention can phase
Mutually combination.
The present invention will be further explained below with reference to the attached drawings and specific examples, but not as the limitation of the invention.
In preferred embodiment of the invention, it is based on the above-mentioned problems in the prior art, a kind of risk pipe is now provided
Prosecutor method, as shown in Figure 1, comprising the following steps:
Step S1, according to the open market data of financial product, the earning rate and stability bandwidth of financial product are calculated；
Step S2, a selection interface is provided, the sort method of financial product is selected for user；
Step S3, a display interface is provided, is ranked up financial product to the sort method that is selected according to user aobvious
Show.
The earning rate and wave of financial product are calculated by the open market data of financial product for above-mentioned technical proposal
Dynamic rate, and a selection interface is provided, allow user to select the sort method of financial product by selection interface, it will according to sort method
Financial product is ranked up display in display interface, the income of financial product and fluctuation risk is showed in user, for user
Financial product is selected according to own situation, to achieve the purpose that control risk.
As preferred embodiment, as shown in Fig. 2, risk management and control method further include:
Step S4, a first threshold and a second threshold are provided；
Step S5, with the present worth for having bought financial product in a predetermined time cycle detection user account；
Step S6, judge whether present worth is greater than first threshold, then issue the user with prompt in this way；
Step S7, judge whether present worth is less than second threshold, then issue the user with warning in this way.
In above-mentioned technical proposal, at interval of a predetermined time period, the present worth of financial product has been bought in detection, by setting
Determine first threshold, when present worth is greater than first threshold, prompts user to buy financial product profit and reach target value, by setting
Determine second threshold, when present worth is less than second threshold, sounds an alarm to remind user to buy financial product loss and reach preset
Baseline numerical value, by set to indicate earnings target numerical value first threshold and indicate loss baseline second threshold come
Crucial time point reminds user, allows users to be operated in time, avoids losing, to realize financial product risk
The purpose of control.
As preferred embodiment, earning rate is the growth rate of the value of financial product in preset first time period.
In above-mentioned technical proposal, finance at the beginning of the value and first time period by calculating first time period end financial product is produced
The difference of the value of product obtains the value of financial product in first time period than the value of financial product at the beginning of upper first time period
Growth rate.
Further, first time period can be configured according to different financial products, may generally be January or 1 year.
As preferred embodiment, as shown in figure 3, obtain stability bandwidth the following steps are included:
Step S11, the value of financial product in preset second time period is obtained；
Step S12, the value at second time period end and the natural logrithm of the ratio between the value at the beginning of second time period are found out；
Step S13, the standard deviation of natural logrithm is obtained according to natural logrithm, by standard deviation multiplied by first time period and second
The square root of the ratio of period, the data obtained are stability bandwidth.
In above-mentioned technical proposal, according in the open market data of financial product, financial product in second time period is obtained
Value be second time period end value and the value at the beginning of second time period.Calculate the value and second at second time period end
The natural logrithm of the ratio between value at the beginning of period and the standard deviation for obtaining natural logrithm, then by standard deviation multiplied by first time period
With the square root of the ratio of second time period, the data obtained is stability bandwidth.The stability bandwidth obtained through the above technical solution is more
It is accurate.
Further, second time period is less than first time period, and is contained in first time period, according to different finance
Second time period is arranged in product and different first time period.When first time period is 1 year, settable second time
Section is January, and when first time period is January, settable second time period is one week or one day.
As preferred embodiment, sort method is that single-element sorts or plural elements sequence sorts.
In above-mentioned technical proposal, sort method may include the single-element row being ranked up according only to earning rate or stability bandwidth
Sequence also may include the existing plural elements sequence ranking method to be sorted according to earning rate sequence further according to stability bandwidth.User passes through a
Propertyization customizes sort method, can more intuitively obtain the financial product of suitable user.
As preferred embodiment, in step S6, one first prompt interface is provided, to prompt to user.
As preferred embodiment, the first prompt interface includes radio network interface.Radio network interface was handled from end
End user device is generally referred to the digital communication between wireless medium using the wireless of modulation, demodulation techniques and communication protocol
Network interface card or modem.
As preferred embodiment, in step S7, one second prompt interface is provided, to alert to user.
As preferred embodiment, the second prompt interface includes radio network interface.
As preferred embodiment, in step S4, an input interface is provided, inputs first threshold and/or for user
Two threshold values；
Further include a storage unit, connect input interface, for storing the first threshold and/or the second threshold of user's input
Value.
The foregoing is merely preferred embodiments of the present invention, are not intended to limit embodiments of the present invention and protection model
It encloses, to those skilled in the art, should can appreciate that all with made by description of the invention and diagramatic content
Equivalent replacement and obviously change obtained scheme, should all be included within the scope of the present invention.
Claims (10)
1. a kind of risk management and control method, which comprises the following steps:
Step S1, according to the open market data of financial product, the earning rate and stability bandwidth of financial product are calculated；
Step S2, a selection interface is provided, the sort method of financial product is selected for user；
Step S3, a display interface is provided, the sort method to select according to user arranges the financial product
Sequence is shown.
2. risk management and control method according to claim 1, which is characterized in that the risk management and control method further include:
Step S4, a first threshold and a second threshold are provided；
Step S5, with the present worth for having bought financial product in a predetermined time cycle detection user account；
Step S6, judge whether the present worth is greater than the first threshold, then issue the user with prompt in this way；
Step S7, judge whether the present worth is less than the second threshold, then issue the user with warning in this way.
3. risk management and control method according to claim 1, which is characterized in that the earning rate is preset first time period
The growth rate of the value of the interior financial product.
4. risk management and control method according to claim 3, which is characterized in that obtain the stability bandwidth the following steps are included:
Step S11, the value of the financial product in preset second time period is obtained；
Step S12, the value and the ratio between the value at the beginning of the second time period for finding out the second time period end
Natural logrithm；
Step S13, the standard deviation of the natural logrithm is obtained according to the natural logrithm, by the standard deviation multiplied by described first
The square root of the ratio of period and the second time period, the data obtained is the stability bandwidth.
5. risk management and control method according to claim 1, which is characterized in that the sort method is single-element sequence,
Or plural elements sequence sorts.
6. risk management and control method according to claim 2, which is characterized in that in the step S6, provide one first prompt
Interface, to be prompted to user.
7. risk management and control method according to claim 6, which is characterized in that the first prompt interface includes wireless network
Interface.
8. risk management and control method according to claim 2, which is characterized in that in the step S7, provide one second prompt
Interface, to be alerted to user.
9. risk management and control method according to claim 7, which is characterized in that the second prompt interface includes wireless network
Interface.
10. risk management and control method according to claim 2, which is characterized in that in the step S4, provide input circle
Face inputs the first threshold and/or the second threshold for user；
Further include a storage unit, connect the input interface, for storing the first threshold and/or described of user's input
Second threshold.
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| CN201910281608.9A CN110175902A (en) | 2019-04-09 | 2019-04-09 | A kind of risk management and control method |
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| CN201910281608.9A CN110175902A (en) | 2019-04-09 | 2019-04-09 | A kind of risk management and control method |
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| CN110175902A true CN110175902A (en) | 2019-08-27 |
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Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN111159261A (en) * | 2019-12-31 | 2020-05-15 | 中国银行股份有限公司 | Foreign exchange quotation display method, device and system |
| CN113129153A (en) * | 2021-03-24 | 2021-07-16 | 银雁科技服务集团股份有限公司 | Risk assessment method and device |
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| US8630937B1 (en) * | 2000-09-29 | 2014-01-14 | Power Financial Group, Inc. | System and method for analyzing and searching financial instrument data |
| CN105427170A (en) * | 2015-11-10 | 2016-03-23 | 中国建设银行股份有限公司 | Asset allocation strategy matching method and device |
| CN107436866A (en) * | 2016-05-25 | 2017-12-05 | 阿里巴巴集团控股有限公司 | The recommendation method and device of finance product |
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Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN111159261A (en) * | 2019-12-31 | 2020-05-15 | 中国银行股份有限公司 | Foreign exchange quotation display method, device and system |
| CN113129153A (en) * | 2021-03-24 | 2021-07-16 | 银雁科技服务集团股份有限公司 | Risk assessment method and device |
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Application publication date: 20190827 |