CN110348725A - Risk policy method of adjustment, device and electronic equipment based on regional society environmental information - Google Patents
Risk policy method of adjustment, device and electronic equipment based on regional society environmental information Download PDFInfo
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- CN110348725A CN110348725A CN201910587658.XA CN201910587658A CN110348725A CN 110348725 A CN110348725 A CN 110348725A CN 201910587658 A CN201910587658 A CN 201910587658A CN 110348725 A CN110348725 A CN 110348725A
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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
- G06Q10/00—Administration; Management
- G06Q10/06—Resources, workflows, human or project management; Enterprise or organisation planning; Enterprise or organisation modelling
- G06Q10/063—Operations research, analysis or management
- G06Q10/0635—Risk analysis of enterprise or organisation activities
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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
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
Abstract
The invention discloses a kind of risk policy method of adjustment, device, electronic equipment and computer readable storage mediums based on regional society environmental information, comprising: for each financial user setting area label；Regional society environmental information relevant to region is obtained, at least one regional financial risk index in each region is calculated according to the regional society environmental information timing；The variation for monitoring regional financial risk index described in each region adjusts risk policy to the user in the region according to the area label when the financial risks index in region meets specified conditions.According to the present invention, for the client of internet financial field, the region belonging to it is determined by area label first, and obtain the social environment information in each region, based on regional society environmental information analyzed area financial risks index, scheduled risk policy is executed, to cope with financial risks, it is ensured that the corresponding financial business of region client can smoothly complete.
Description
Technical field
The present invention relates to computer information processing field, in particular to a kind of based on regional society environmental information
Risk policy method of adjustment, device, electronic equipment and computer-readable medium.
Background technique
Internet finance refers to that conventional banking facilities and Internet enterprises are real using Internet technology and Information and Communication Technology
The Novel finical business model of existing financing, payment, investment and intermediary information service.
The development of internet financial business, is influenced very big by social environment, works as social environment --- and it is especially economical
When environment varies widely, internet financial business is often also a greater impact, for example, when economic downstream pressure is larger
When, many internet financial business often can not be gone on smoothly, therefore, the influence that social environment variation generates how is coped with,
As the project for needing to study of internet financial field one.
Summary of the invention
It is a primary object of the present invention to, provide a kind of risk policy method of adjustment based on regional society environmental information,
Device, electronic equipment and computer-readable medium, it is intended to cope with the influence that social environment variation generates for internet financial business.
To achieve the above object, the present invention provides a kind of risk policy adjustment sides based on regional society environmental information
Method, comprising: for each financial user setting area label；Regional society environmental information relevant to region is obtained, according to the area
Domain social environment information timing calculates at least one regional financial risk index in each region；Monitor regional financial described in each region
The variation of risk indicator, when the financial risks index in region meets specified conditions, according to the area label to this
User in region adjusts risk policy.
To achieve the above object, the present invention provides a kind of, and the risk policy based on regional society environmental information adjusts dress
It sets, comprising: label setup module, for each financial user setting area label；Index computing module obtains area relevant to region
Domain social environment information refers to according at least one regional financial risk that the regional society environmental information timing calculates each region
Mark；Developing Tactics module monitors the variation of regional financial risk index described in each region, when the financial risks in region refers to
When mark meets specified conditions, risk policy is adjusted to the user in the region according to the area label.
To achieve the above object, the present invention provides a kind of electronic equipment, which includes: processor；And quilt
It is arranged to the memory of storage computer executable instructions, the executable instruction makes the processor execute root when executed
According to the risk policy method of adjustment above-mentioned based on regional society environmental information.
To achieve the above object, the present invention provides a kind of computer readable storage mediums, wherein described computer-readable
Storage medium stores one or more programs, and one or more of programs when being executed by a processor, realize above-mentioned be based on
The risk policy method of adjustment of regional society environmental information.
According to above technical scheme, it is known that the risk policy method of adjustment of the invention based on regional society environmental information,
Device, electronic equipment and computer-readable medium, have at least the following advantages:
According to the technique and scheme of the present invention, for the client of internet financial field, it is determined by area label first
Affiliated region, and the social environment information in each region is obtained, it is based on regional society environmental information analyzed area finance wind
Dangerous index, the index reflect the financial risks in the region, judge that the region there are when larger financial risks, is held when being based on index
The scheduled risk policy of row, to cope with financial risks, it is ensured that the corresponding financial business of region client can smoothly complete.
Detailed description of the invention
In order to keep technical problem solved by the invention, the technological means of use and the technical effect of acquirement clearer,
Detailed description of the present invention specific embodiment below with reference to accompanying drawings.But it need to state, drawings discussed below is only this
The attached drawing of invention exemplary embodiment of the present, to those skilled in the art, before not making the creative labor
It puts, the attached drawing of other embodiments can be obtained according to these attached drawings.
Fig. 1 is a kind of risk policy adjustment side based on regional society environmental information according to an embodiment of the invention
The flow chart of method；
Fig. 2 is a kind of risk policy adjustment side based on regional society environmental information according to an embodiment of the invention
The flow chart of method；
Fig. 3 is a kind of risk policy adjustment side based on regional society environmental information according to an embodiment of the invention
The flow chart of method；
Fig. 4 is a kind of risk policy adjustment dress based on regional society environmental information according to an embodiment of the invention
The block diagram set；
Fig. 5 is the block diagram of a kind of electronic equipment according to an embodiment of the invention；
Fig. 6 is a kind of schematic diagram of computer readable storage medium according to an embodiment of the invention.
Specific embodiment
Exemplary embodiment of the present invention is described more fully with reference to the drawings.However, exemplary embodiment can
Implement in a variety of forms, and is understood not to that present invention is limited only to embodiments set forth herein.On the contrary, it is exemplary to provide these
Embodiment enables to the present invention more full and complete, easily facilitates the technology that inventive concept is comprehensively communicated to this field
Personnel.Identical appended drawing reference indicates same or similar element, component or part in figure, thus will omit weight to them
Multiple description.
Under the premise of meeting technical concept of the invention, the feature described in some specific embodiment, structure, spy
Property or other details be not excluded for can be combined in any suitable manner in one or more other embodiments.
In the description for specific embodiment, feature, structure, characteristic or the other details that the present invention describes are to make
Those skilled in the art fully understands embodiment.But, it is not excluded that those skilled in the art can practice this hair
Bright technical solution is one or more without special characteristic, structure, characteristic or other details.
Flow chart shown in the drawings is merely illustrative, it is not necessary to including all content and operation/step,
It is not required to execute by described sequence.For example, some operation/steps can also decompose, and some operation/steps can close
And or part merge, therefore the sequence actually executed is possible to change according to the actual situation.
Block diagram shown in the drawings is only functional entity, not necessarily must be corresponding with physically separate entity.
I.e., it is possible to realize these functional entitys using software form, or realized in one or more hardware modules or integrated circuit
These functional entitys, or these functional entitys are realized in heterogeneous networks and/or processor device and/or microcontroller device.
Although it should be understood that may indicate the attribute of number using first, second, third, etc. to describe various devices herein
Part, element, component or part, but this should not be limited by these attributes.These attributes are to distinguish one and another one.Example
Such as, the first device is also referred to as the second device without departing from the technical solution of essence of the invention.
Term "and/or" or " and/or " include associated listing all of any of project and one or more
Combination.
As shown in Figure 1, the present invention provides a kind of risk policy method of adjustment based on regional society environmental information, packet
It includes:
Step S110, for each financial user setting area label.
In the present embodiment, the financial business type of financial user is not limited, which reflects user institute
The region of category, for example, the particular content of area label can be Shanghai or Beijing.
Step S120 obtains regional society environmental information relevant to region, according to regional society environmental information timing ga(u)ge
Calculate at least one regional financial risk index in each region.
In the present embodiment, the information of regional society environment is not limited, usually can be economic environment information,
For example, economic growth rate, unemployment rate etc., are also possible to the information of natural environment, for example, natural calamity, the area Dou Huiduigai
The development of domain internet financial business has an impact.In the present embodiment, to the type of regional financial risk index without limit
System, for example, it can be fraction defective, delay rate etc..
(for example location unemployment rate, location listing are public for macro society environmental information based on region locating for user
Take charge of quantity, private enterprise's quantity, the size of population, GDP, GDP growth rate etc.), it establishes and the one or more risks in the region refers to
Mark the mapping relations of (such as fraction defective, delay rate).
Step S130 monitors the variation of the regional financial risk index in each region, when the financial risks index in region is full
When sufficient specified conditions, risk policy is adjusted to the user in the region according to area label.
In the present embodiment, the numerical value that specified conditions typically refer to regional financial risk index reaches preset threshold value.?
In the present embodiment, the concrete mode of risk policy is not limited, but for example, suitably increases or decreases what user was carried out
The time limit of financial business, or generate the rate etc. of expense.
In the present embodiment, the risk for estimating the region for the macro environment of daily different zones for financial client is walked
Gesture issues warning signal in time when peripheral environment changes, the tactful branch in the region of linking, and is become according to variation
Gesture is automatically adjusted to corresponding risk policy collection.For example, the zone user can then be beaten when showing that the Regional Risk rises
The corresponding label of upper various parameters, and high risk zone set of strategies can be automatically assigned to；Conversely, when Regional Risk declines, it should
Zone user can be assigned to medium/low risk zones set of strategies.
According to the technical solution of the present embodiment, for the client of internet financial field, determined first by area label
Region belonging to it, and the social environment information in each region is obtained, based on regional society environmental information analyzed area finance
Risk indicator, the index reflect the financial risks in the region, when based on index judge the region there are when larger financial risks,
Scheduled risk policy is executed, to cope with financial risks, it is ensured that the corresponding financial business of region client can smoothly complete.
As shown in Fig. 2, the present invention provides a kind of risk policy method of adjustment based on regional society environmental information, packet
It includes:
Step S210 identifies each financial user institute according to the part for indicating ownership place in the phone number of each financial user
The region of category, and the area label of each financial user is set according to region.
In the present embodiment, certain sections of the phone number of user indicate ownership place, and user is usually in its location
Phone number is handled in domain, so can quickly determine the region where user based on phone number.
Step S220 obtains data from preset Domestic News website by region, according to data zoning finance wind
Dangerous index.
In the present embodiment, it is periodically updated on certain Domestic News classes website and each region provided by authoritative institution is provided
Economic environment data, natural environment data, and the contents such as economic very important decision are influenced, so can be fast from such website
Speed obtains regional society environmental information data.
Step S230 is adjusted at least one financial risks index in preset adjusting range.
In the present embodiment, since the data of regional society environmental information would generally fluctuate in a certain range,
Cause regional financial risk that a degree of fluctuation also occurs, it is possible to by the appropriate range to financial risks index
Data are adjusted, to predict the fluctuation of financial risks, so that the risk policy taken facilitates following financial risks of reply
Variation.
Step S240 monitors the variation of the regional financial risk index in each region, when the financial risks index in region is full
When sufficient specified conditions, risk policy is adjusted to the user in the region according to area label.
According to the technical solution of the present embodiment, risk monitoring and control and the prediction, early warning of different zones can be carried out, is analyzed to gold
The risk for melting business client can be pre- when objective group changes or when something goes wrong in the macro environment of different zones
Estimate and judge the risk that may occur and is successfully managed.
As shown in figure 3, the present invention provides a kind of risk policy method of adjustment based on regional society environmental information, packet
It includes:
Step S310 obtains the household register information in the identity information of each financial user, according to the corresponding region of household register information
The area label of each financial user is set.
In the present embodiment, certain sections of the ID card No. of user indicate household register information, while the registration of identity card
Household register information can also be reflected in organ, and user region is usually with household register consistent, so can be quick based on household register information
Determine the region where user.
Step S320 is searched for and regional society environmental information by preset social environment keyword from network.
In the present embodiment, it for example, can be scanned for according to the keywords such as " unemployment rate ", " GDP ", is searched for from network
Information relevant to unemployment rate or GDP.
Another mode is also provided in the present embodiment: the social indicator data or Content of policy for obtaining region are as region
Social environment information.In the present embodiment, directly inquire authoritative institution, for example, the finance department or statistical department, the society of publication
Meeting achievement data (such as non-agricultural index) or relevant policies content are as regional society environmental information.
Step S330, according to the variation tendency of one or more data in preset time period inner region social environment information,
At least one regional financial risk index is adjusted.
In the present embodiment, since within the regular hour, social environment can persistently change to a direction, for example, through
Ji situation persistently takes a turn for the better or gets worse.So the region of variation according to social environment information data, to regional financial risk index
The adjustment for carrying out respective direction is conducive to following social environment variation of prediction and predicts following financial risks, to adopt
The risk policy taken facilitates following financial risks variation of reply.
Step S340 monitors the variation of the regional financial risk index in each region, when the financial risks index in region is full
When sufficient specified conditions, risk policy is adjusted to the user in the region according to area label.
According to the technical solution of the present embodiment, risk monitoring and control and the prediction, early warning of different zones can be carried out, is analyzed to gold
The risk for melting business client can be pre- when objective group changes or when something goes wrong in the macro environment of different zones
Estimate and judge the risk that may occur and is successfully managed.
It will be understood by those skilled in the art that realizing that all or part of the steps of above-described embodiment is implemented as by computer
The program (computer program) that data processing equipment executes.It is performed in the computer program, offer of the present invention is provided
The above method.Moreover, the computer program can store in computer readable storage medium, which can be with
It is the readable storage medium storing program for executing such as disk, CD, ROM, RAM, is also possible to the storage array of multiple storage medium compositions, such as disk
Or tape storage array.The storage medium is not limited to centralised storage, is also possible to distributed storage, such as based on cloud
The cloud storage of calculating.
The device of the invention embodiment is described below, which can be used for executing embodiment of the method for the invention.For
Details described in apparatus of the present invention embodiment should be regarded as the supplement for above method embodiment；For in apparatus of the present invention
Undisclosed details in embodiment is referred to above method embodiment to realize.
As shown in figure 4, the present invention provides a kind of, the risk policy based on regional society environmental information adjusts device, packet
It includes:
Label setup module 410, for each financial user setting area label.
In the present embodiment, the financial business type of financial user is not limited, which reflects user institute
The region of category, for example, the particular content of area label can be Shanghai or Beijing.
Index computing module 420 obtains regional society environmental information relevant to region, according to regional society environmental information
Timing calculates at least one regional financial risk index in each region.
In the present embodiment, the information of regional society environment is not limited, usually can be economic environment information,
For example, economic growth rate, unemployment rate etc., are also possible to the information of natural environment, for example, natural calamity, the area Dou Huiduigai
The development of domain internet financial business has an impact.In the present embodiment, to the type of regional financial risk index without limit
System, for example, it can be fraction defective, delay rate etc..
(for example location unemployment rate, location listing are public for macro society environmental information based on region locating for user
Take charge of quantity, private enterprise's quantity, the size of population, GDP, GDP growth rate etc.), it establishes and the one or more risks in the region refers to
Mark the mapping relations of (such as fraction defective, delay rate).
Developing Tactics module 430 monitors the variation of the regional financial risk index in each region, when the financial risks in region
When index meets specified conditions, risk policy is adjusted to the user in the region according to area label.
In the present embodiment, the numerical value that specified conditions typically refer to regional financial risk index reaches preset threshold value.?
In the present embodiment, the concrete mode of risk policy is not limited, but for example, suitably increases or decreases what user was carried out
The time limit of financial business, or generate the rate etc. of expense.
In the present embodiment, the risk for estimating the region for the macro environment of daily different zones for financial client is walked
Gesture issues warning signal in time when peripheral environment changes, the tactful branch in the region of linking, and is become according to variation
Gesture is automatically adjusted to corresponding risk policy collection.For example, the zone user can then be beaten when showing that the Regional Risk rises
The corresponding label of upper various parameters, and high risk zone set of strategies can be automatically assigned to；Conversely, when Regional Risk declines, it should
Zone user can be assigned to medium/low risk zones set of strategies.
According to the technical solution of the present embodiment, for the client of internet financial field, determined first by area label
Region belonging to it, and the social environment information in each region is obtained, based on regional society environmental information analyzed area finance
Risk indicator, the index reflect the financial risks in the region, when based on index judge the region there are when larger financial risks,
Scheduled risk policy is executed, to cope with financial risks, it is ensured that the corresponding financial business of region client can smoothly complete.
As shown in figure 4, the present invention provides a kind of, the risk policy based on regional society environmental information adjusts device, packet
It includes:
Label setup module 410 identifies each finance according to the part for indicating ownership place in the phone number of each financial user
Region belonging to user, and the area label of each financial user is set according to region.
In the present embodiment, certain sections of the phone number of user indicate ownership place, and user is usually in its location
Phone number is handled in domain, so can quickly determine the region where user based on phone number.
Index computing module 420 obtains data from preset Domestic News website by region, according to data zoning
Financial risks index.
In the present embodiment, it is periodically updated on certain Domestic News classes website and each region provided by authoritative institution is provided
Economic environment data, natural environment data, and the contents such as economic very important decision are influenced, so can be fast from such website
Speed obtains regional society environmental information data.
Index computing module 420 is adjusted at least one financial risks index in preset adjusting range.
In the present embodiment, since the data of regional society environmental information would generally fluctuate in a certain range,
Cause regional financial risk that a degree of fluctuation also occurs, it is possible to by the appropriate range to financial risks index
Data are adjusted, to predict the fluctuation of financial risks, so that the risk policy taken facilitates following financial risks of reply
Variation.
Developing Tactics module 430 monitors the variation of the regional financial risk index in each region, when the financial risks in region
When index meets specified conditions, risk policy is adjusted to the user in the region according to area label.
According to the technical solution of the present embodiment, risk monitoring and control and the prediction, early warning of different zones can be carried out, is analyzed to gold
The risk for melting business client can be pre- when objective group changes or when something goes wrong in the macro environment of different zones
Estimate and judge the risk that may occur and is successfully managed.
As shown in figure 4, the present invention provides a kind of, the risk policy based on regional society environmental information adjusts device, packet
It includes:
Label setup module 410 obtains the household register information in the identity information of each financial user, corresponding according to household register information
Region the area label of each financial user is set.
In the present embodiment, certain sections of the ID card No. of user indicate household register information, while the registration of identity card
Household register information can also be reflected in organ, and user region is usually with household register consistent, so can be quick based on household register information
Determine the region where user.
Index computing module 420 is searched for and regional society environmental information by preset social environment keyword from network.
In the present embodiment, it for example, can be scanned for according to the keywords such as " unemployment rate ", " GDP ", is searched for from network
Information relevant to unemployment rate or GDP.
Another mode is also provided in the present embodiment: the social indicator data or Content of policy for obtaining region are as region
Social environment information.In the present embodiment, directly inquire authoritative institution, for example, the finance department or statistical department, the society of publication
Meeting achievement data (such as non-agricultural index) or relevant policies content are as regional society environmental information.
Index computing module 430 is according to the variations of one or more data in preset time period inner region social environment information
Trend is adjusted at least one regional financial risk index.
In the present embodiment, since within the regular hour, social environment can persistently change to a direction, for example, through
Ji situation persistently takes a turn for the better or gets worse.So the region of variation according to social environment information data, to regional financial risk index
The adjustment for carrying out respective direction is conducive to following social environment variation of prediction and predicts following financial risks, to adopt
The risk policy taken facilitates following financial risks variation of reply.
Developing Tactics module 430 monitors the variation of the regional financial risk index in each region, when the financial risks in region
When index meets specified conditions, risk policy is adjusted to the user in the region according to area label.
According to the technical solution of the present embodiment, risk monitoring and control and the prediction, early warning of different zones can be carried out, is analyzed to gold
The risk for melting business client can be pre- when objective group changes or when something goes wrong in the macro environment of different zones
Estimate and judge the risk that may occur and is successfully managed.
It will be understood by those skilled in the art that each module in above-mentioned apparatus embodiment can be distributed in device according to description
In, corresponding change can also be carried out, is distributed in one or more devices different from above-described embodiment.The mould of above-described embodiment
Block can be merged into a module, can also be further split into multiple submodule.
Electronic equipment embodiment of the invention is described below, which can be considered as the method for aforementioned present invention
With the specific entity embodiment of Installation practice.For details described in electronic equipment embodiment of the present invention, should be regarded as pair
In the above method or the supplement of Installation practice；For undisclosed details, Ke Yican in electronic equipment embodiment of the present invention
It is realized according to the above method or Installation practice.
Fig. 5 is the structural block diagram of the exemplary embodiment of a kind of electronic equipment according to the present invention.It is retouched referring to Fig. 5
State the electronic equipment 200 of the embodiment according to the present invention.The electronic equipment 200 that Fig. 5 is shown is only an example, should not be to this
The function and use scope of inventive embodiments bring any restrictions.
As shown in figure 5, electronic equipment 200 is showed in the form of universal computing device.The component of electronic equipment 200 can wrap
It includes but is not limited to: at least one processing unit 210, at least one storage unit 220, (including the storage of the different system components of connection
Unit 220 and processing unit 210) bus 230, display unit 240 etc..
Wherein, the storage unit is stored with program code, and said program code can be held by the processing unit 210
Row, so that the processing unit 210 executes described in this specification above-mentioned electronic prescription circulation processing method part according to this
The step of inventing various illustrative embodiments.For example, the processing unit 210 can execute step as shown in Figure 1.
The storage unit 220 may include the readable medium of volatile memory cell form, such as random access memory
Unit (RAM) 2201 and/or cache memory unit 2202 can further include read-only memory unit (ROM) 2203.
The storage unit 220 can also include program/practical work with one group of (at least one) program module 2205
Tool 2204, such program module 2205 includes but is not limited to: operating system, one or more application program, other programs
It may include the realization of network environment in module and program data, each of these examples or certain combination.
Bus 230 can be to indicate one of a few class bus structures or a variety of, including storage unit bus or storage
Cell controller, peripheral bus, graphics acceleration port, processing unit use any bus structures in a variety of bus structures
Local bus.
Electronic equipment 200 can also be with one or more external equipments 300 (such as keyboard, sensing equipment, bluetooth equipment
Deng) communication, can also be enabled a user to one or more equipment interact with the electronic equipment 200 communicate, and/or with make
Any equipment (such as the router, modulation /demodulation that the electronic equipment 200 can be communicated with one or more of the other calculating equipment
Device etc.) communication.This communication can be carried out by input/output (I/O) interface 250.Also, electronic equipment 200 can be with
By network adapter 260 and one or more network (such as local area network (LAN), wide area network (WAN) and/or public network,
Such as internet) communication.Network adapter 260 can be communicated by bus 230 with other modules of electronic equipment 200.It should
Understand, although not shown in the drawings, other hardware and/or software module can be used in conjunction with electronic equipment 200, including but unlimited
In: microcode, device driver, redundant processing unit, external disk drive array, RAID system, tape drive and number
According to backup storage system etc..
Through the above description of the embodiments, those skilled in the art it can be readily appreciated that the present invention describe it is exemplary
Embodiment can also be realized by software realization in such a way that software is in conjunction with necessary hardware.Therefore, such as Fig. 6 institute
Show, the technical solution of embodiment can be embodied in the form of software products according to the present invention, which can deposit
It stores up in a computer-readable storage medium (can be CD-ROM, USB flash disk, mobile hard disk etc.) or on network, including several
Instruction is so that a calculating equipment (can be personal computer, server or network equipment etc.) executes according to the present invention
The above method.When the computer program is executed by a data processing equipment, enable the computer-readable medium
Realize the above method of the invention, it may be assumed that for each financial user setting area label；Obtain regional society environment relevant to region
Information calculates at least one regional financial risk index in each region according to the regional society environmental information timing；Monitoring is each
The variation of regional financial risk index described in region, when the financial risks index in region meets specified conditions, according to
The area label adjusts risk policy to the user in the region.
The computer program can store on one or more computer-readable mediums.Computer-readable medium can be with
It is readable signal medium or readable storage medium storing program for executing.Readable storage medium storing program for executing for example can be but be not limited to electricity, magnetic, optical, electromagnetic, red
The system of outside line or semiconductor, device or device, or any above combination.The more specific example of readable storage medium storing program for executing
(non exhaustive list) includes: the electrical connection with one or more conducting wires, portable disc, hard disk, random access memory
(RAM), read-only memory (ROM), erasable programmable read only memory (EPROM or flash memory), optical fiber, portable compact disc
Read memory (CD-ROM), light storage device, magnetic memory device or above-mentioned any appropriate combination.
The computer readable storage medium may include in a base band or the data as the propagation of carrier wave a part are believed
Number, wherein carrying readable program code.The data-signal of this propagation can take various forms, including but not limited to electromagnetism
Signal, optical signal or above-mentioned any appropriate combination.Readable storage medium storing program for executing can also be any other than readable storage medium storing program for executing
Readable medium, the readable medium can send, propagate or transmit for by instruction execution system, device or device use or
Person's program in connection.The program code for including on readable storage medium storing program for executing can transmit with any suitable medium, packet
Include but be not limited to wireless, wired, optical cable, RF etc. or above-mentioned any appropriate combination.
The program for executing operation of the present invention can be write with any combination of one or more programming languages
Code, described program design language include object oriented program language-Java, C++ etc., further include conventional
Procedural programming language-such as " C " language or similar programming language.Program code can be fully in user
It calculates and executes in equipment, partly executes on a user device, being executed as an independent software package, partially in user's calculating
Upper side point is executed on a remote computing or is executed in remote computing device or server completely.It is being related to far
Journey calculates in the situation of equipment, and remote computing device can pass through the network of any kind, including local area network (LAN) or wide area network
(WAN), it is connected to user calculating equipment, or, it may be connected to external computing device (such as utilize ISP
To be connected by internet).
In conclusion the present invention can be implemented in hardware, or the software to run on one or more processors
Module is realized, or is implemented in a combination thereof.It will be understood by those of skill in the art that micro process can be used in practice
The communications data processing units such as device or digital signal processor (DSP) come realize according to embodiments of the present invention in it is some or
The some or all functions of whole components.The present invention is also implemented as a part for executing method as described herein
Or whole device or device program (for example, computer program and computer program product).Such realization present invention
Program can store on a computer-readable medium, or may be in the form of one or more signals.Such letter
It number can be downloaded from an internet website to obtain, be perhaps provided on the carrier signal or be provided in any other form.
Particular embodiments described above has carried out further in detail the purpose of the present invention, technical scheme and beneficial effects
It describes in detail bright, it should be understood that the present invention is not inherently related to any certain computer, virtual bench or electronic equipment, various
The present invention also may be implemented in fexible unit.The above is only a specific embodiment of the present invention, is not limited to this hair
Bright, all within the spirits and principles of the present invention, any modification, equivalent substitution, improvement and etc. done should be included in the present invention
Protection scope within.
Claims (10)
1. a kind of risk policy method of adjustment based on regional society environmental information characterized by comprising
For each financial user setting area label；
Regional society environmental information relevant to region is obtained, each region is calculated according to the regional society environmental information timing
At least one regional financial risk index；
The variation for monitoring regional financial risk index described in each region, when the financial risks index in region meets specific item
When part, risk policy is adjusted to the user in the region according to the area label.
2. the method according to claim 1, wherein described obtain regional society environment letter relevant to region
Breath calculates at least one regional financial risk index in each region according to the regional society environmental information timing, comprising:
Data are obtained from preset Domestic News website by the region, are referred to according to data zoning financial risks
Mark.
3. method described in any one of -2 according to claim 1, which is characterized in that described to obtain region society relevant to region
Meeting environmental information, comprising:
It is searched for from network and the regional society environmental information by preset social environment keyword.
4. method according to any one of claim 1-3, which is characterized in that described to obtain region society relevant to region
Meeting environmental information, comprising:
The social indicator data or Content of policy for obtaining the region are as the regional society environmental information.
5. method according to any of claims 1-4, which is characterized in that described to be believed according to the regional society environment
Breath timing calculates at least one regional financial risk index in each region, further includes:
In preset adjusting range, at least one described financial risks index is adjusted.
6. method according to any one of claims 1-5, which is characterized in that described to be believed according to the regional society environment
Breath timing calculates at least one regional financial risk index in each region further include:
According to the variation tendency of one or more data in regional society environmental information described in preset time period, to it is described at least
One regional financial risk index is adjusted.
7. method according to claim 1 to 6, which is characterized in that described for each financial user setting region mark
Label include:
According to the part for indicating ownership place in the phone number of each financial user, area belonging to each financial user is identified
Domain, and the area label of each financial user is set according to the region.
8. a kind of risk policy based on regional society environmental information adjusts device characterized by comprising
Label setup module, for each financial user setting area label；
Index computing module obtains regional society environmental information relevant to region, fixed according to the regional society environmental information
When calculate at least one regional financial risk index in each region；
Developing Tactics module monitors the variation of regional financial risk index described in each region, when the financial risks in region
When index meets specified conditions, risk policy is adjusted to the user in the region according to the area label.
9. a kind of electronic equipment, wherein the electronic equipment includes:
Processor；And
It is arranged to the memory of storage computer executable instructions, the executable instruction makes the processor when executed
It executes according to claim 1 described in any one of -7 based on the risk policy method of adjustment of regional society environmental information.
10. a kind of computer readable storage medium, wherein the computer-readable recording medium storage one or more program,
One or more of programs when being executed by a processor, are realized of any of claims 1-7 based on regional society
The risk policy method of adjustment of environmental information.
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| CN201910587658.XA CN110348725A (en) | 2019-07-02 | 2019-07-02 | Risk policy method of adjustment, device and electronic equipment based on regional society environmental information |
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| CN201910587658.XA CN110348725A (en) | 2019-07-02 | 2019-07-02 | Risk policy method of adjustment, device and electronic equipment based on regional society environmental information |
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