CN110648239B - Method and device for generating monitoring index and data monitoring system - Google Patents
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Abstract
The application discloses a method and device for generating monitoring indexes and a data monitoring system. Wherein the method comprises the following steps: acquiring the type of a monitoring index to be generated, wherein the monitoring index is used for monitoring investment data of financial products; the method comprises the steps that a configuration unit required by generating a type of monitoring index is obtained from a plurality of configuration units, wherein the configuration unit is a minimum component unit of a numerator and a denominator of a calculation formula corresponding to the monitoring index; and generating a monitoring index to be generated according to the acquired configuration unit. The method and the device solve the technical problems that the existing financial product is long in investment monitoring index development period, serious in index redundancy and lack of expansibility.
Description
Technical Field
The application relates to the field of financial product investment monitoring, in particular to a method and a device for generating monitoring indexes and a data monitoring system.
Background
The existing investment monitoring index development flow of the financial products comprises the following steps: business personnel submit requirements, technical personnel requirement review, technical personnel development, technical personnel test, business personnel test and system formal production on line, the time is long, the response business requirement speed is low, and meanwhile, each development needs to consume a great deal of energy of business personnel, technical development personnel, technical test personnel and related code walking staff, so that the cost is high, and particularly, for a series of new index development of the same type, repeated codes are more and the efficiency is low.
Aiming at the problems of long development period, serious index redundancy and lack of expansibility of the existing investment monitoring indexes of the financial products, no effective solution is proposed at present.
Disclosure of Invention
The embodiment of the application provides a monitoring index generation method, a monitoring index generation device and a monitoring system for data, which are used for at least solving the technical problems of long development period, serious index redundancy problem and lack of expansibility of the existing investment monitoring index of financial products.
According to an aspect of the embodiments of the present application, there is provided a method for generating a monitoring index, including: acquiring the type of a monitoring index to be generated, wherein the monitoring index is used for monitoring investment data of financial products; the method comprises the steps that a configuration unit required by generating a type of monitoring index is obtained from a plurality of configuration units, wherein the configuration unit is a minimum component unit of a numerator and a denominator of a calculation formula corresponding to the monitoring index; and generating a monitoring index to be generated according to the acquired configuration unit.
Optionally, the financial product comprises: a bond product, a stock product, a fund product, a nonstandard asset product, a derivative product, and a pension product.
Optionally, before acquiring the configuration unit required for generating the monitoring index of the type from the plurality of configuration units, the method further includes: the plurality of configuration units is determined by: determining a plurality of configuration units according to the common attribute and the personality attribute, wherein the common attribute comprises: the name of the configuration unit, the type of the configuration unit and the value of the configuration unit; the personality attributes include at least one of: basic information, detailed subject information, credit rating information, and streaming transaction information.
Optionally, after generating the monitoring index to be generated according to the obtained configuration unit, the method further includes: and acquiring information corresponding to the personality attribute according to a preset time interval.
Optionally, before generating the monitoring index to be generated according to the acquired configuration unit, the method further includes:
acquiring an access logic of the configuration unit, wherein the access logic is used for representing an access rule of the configuration unit; judging whether the access logic is consistent with a preset access logic or not; if the access logic is judged to be consistent with the preset access logic, the configuration unit is determined to be a target configuration unit.
Optionally, after generating the monitoring index to be generated according to the obtained configuration unit, the method further includes:
calculating investment data of the financial products corresponding to the monitoring indexes to be generated according to the monitoring indexes to be generated to obtain monitoring index values of the financial products; comparing the monitoring index value with a preset threshold value, and determining whether the investment data of the financial product meets the standard according to the comparison result; and alarming the investment data which does not meet the standard, and prompting the treatment of the investment data which does not meet the standard.
Optionally, after prompting to process the non-standard investment data, the method further comprises: detecting whether the processing of the investment data which does not meet the standard is completed or not; if the processing is not completed, prompting to continue processing the investment data which does not meet the standard.
According to another aspect of the embodiments of the present application, there is also provided a data monitoring system, including: a monitoring module for executing the method of generating a monitoring index according to any one of claims 1 to 7; the database is used for acquiring and storing information corresponding to the personality attributes of the configuration units; a risk management module for monitoring the method of generating the monitoring index according to any one of claims 1 to 7.
According to another aspect of the embodiments of the present application, there is further provided a device for generating a monitoring index, including: the first acquisition module is used for acquiring the type of the monitoring index to be generated, and the monitoring index is used for monitoring the investment data of the financial product; the second acquisition module is used for acquiring configuration units required by the generation type of monitoring indexes from the plurality of configuration units, wherein the configuration units are minimum constituent units of numerator and denominator of a configuration formula corresponding to the monitoring indexes; and the generating module is used for generating the monitoring index to be generated according to the acquired configuration unit.
Optionally, the device further comprises a determining module, configured to determine the plurality of configuration units by: determining a plurality of configuration units according to the common attribute and the personality attribute, wherein the common attribute comprises: the name of the configuration unit, the type of the configuration unit and the value of the configuration unit; the personality attributes include at least one of: basic information, detailed subject information, credit rating information, and streaming transaction information.
According to still another aspect of the embodiments of the present application, there is further provided a storage medium, where the storage medium includes a stored program, and when the program runs, the device where the storage medium is controlled to execute the above method for generating the monitoring index.
According to still another aspect of the embodiments of the present application, there is further provided a processor, configured to execute a program, where the method for generating the monitoring index above is executed when the program runs.
In the embodiment of the application, the type of acquiring the monitoring index to be generated is adopted, and the monitoring index is used for monitoring the investment data of the financial product; the method comprises the steps that a configuration unit required by generating a type of monitoring index is obtained from a plurality of configuration units, wherein the configuration unit is a minimum component unit of a numerator and a denominator of a calculation formula corresponding to the monitoring index; according to the mode of generating the monitoring index to be generated by the acquired configuration unit, the molecular denominator of the investment monitoring index of the financial product is decomposed to the lowest non-subdividable minimum particle unit (element factor) by adopting a clustering analysis mode, then the element factor is built in a building block mode to generate a new monitoring index of the financial product, the purposes that the monitoring index required by a service can be generated in real time by operating a front page of a system are achieved, the investment monitoring index setting flow of the financial product is simplified, the service efficiency is effectively improved, the technical effect of user experience is enhanced, and the technical problems that the development period of the investment monitoring index of the conventional financial product is long, the index redundancy problem is serious and the expansibility is lacking are solved.
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The accompanying drawings, which are included to provide a further understanding of the application and are incorporated in and constitute a part of this application, illustrate embodiments of the application and together with the description serve to explain the application and do not constitute an undue limitation to the application. In the drawings:
FIG. 1 is a flow chart of a method of generating a monitoring indicator according to an embodiment of the present application;
FIG. 2 is a block diagram of a data monitoring system according to an embodiment of the present application;
fig. 3 is a block diagram of a monitoring index generating device according to an embodiment of the present application.
Detailed Description
In order to make the present application solution better understood by those skilled in the art, the following description will be made in detail and with reference to the accompanying drawings in the embodiments of the present application, it is apparent that the described embodiments are only some embodiments of the present application, not all embodiments. All other embodiments, which can be made by one of ordinary skill in the art based on the embodiments herein without making any inventive effort, shall fall within the scope of the present application.
It should be noted that the terms "first," "second," and the like in the description and claims of the present application and the above figures are used for distinguishing between similar objects and not necessarily for describing a particular sequential or chronological order. It is to be understood that the data so used may be interchanged where appropriate such that embodiments of the present application described herein may be implemented in sequences other than those illustrated or otherwise described herein. Furthermore, the terms "comprises," "comprising," and "having," and any variations thereof, are intended to cover a non-exclusive inclusion, such that a process, method, system, article, or apparatus that comprises a list of steps or elements is not necessarily limited to those steps or elements expressly listed but may include other steps or elements not expressly listed or inherent to such process, method, article, or apparatus.
According to the embodiments of the present application, there is provided an embodiment of a method for generating a monitoring index, it should be noted that, the steps illustrated in the flowchart of the drawings may be performed in a computer system such as a set of computer executable instructions, and, although a logical order is illustrated in the flowchart, in some cases, the steps illustrated or described may be performed in an order different from that herein.
Fig. 1 is a flowchart of a method for generating a monitoring index according to an embodiment of the present application, as shown in fig. 1, the method includes the following steps:
step S102, obtaining the type of the monitoring index to be generated, wherein the monitoring index is used for monitoring the investment data of the financial product.
The to-be-generated monitoring index refers to an investment monitoring index of a financial product which needs to be newly set.
Step S104, obtaining configuration units required for generating the type of monitoring index from a plurality of configuration units, wherein the configuration units are minimum constituent units of numerator and denominator of a calculation formula corresponding to the monitoring index.
The configuration unit refers to an unreveable minimum execution unit that decomposes the numerator or denominator of the investment supervision index of the financial product to the lowest level, and is called as a "meta factor" in the embodiment of the present application.
According to the element factor function in the embodiment of the application, the thought of cluster analysis is adopted, the attribute of the financial product investment monitoring index in the market is researched through a system, the element of the financial product investment index is firstly split into the smallest non-subdividable execution units, and the smallest units are the element factors which form the basis of the investment monitoring index numerator or denominator.
Step S106, generating a monitoring index to be generated according to the acquired configuration unit.
According to the characteristics of the metafactors, the metafactors are reclassified according to the product types related to the monitoring indexes, and six-major-factor templates of stocks, bonds, funds, pension, nonstandard and derivatives are constructed in a parameterized mode, so that investment monitoring indexes required by business personnel are supported to be generated quickly, the setting flow of the investment monitoring indexes is simplified fully, and the business efficiency is improved effectively.
Specifically, the method comprises the steps of firstly standardizing, granulating and templating the existing financial products on the market according to the properties and characteristics of the existing financial products on the market, classifying the existing financial products on the market, enabling the system to rapidly respond when new financial products appear, classifying the new financial products into the existing major classes or creating a new major class; on the other hand, the existing financial products are granulated, then the upper-layer index is built based on the granulated elements, the degree of freedom of the index creation mode from bottom to top is larger, the intervention of a developer is not needed in the index creation process, and compared with the previous process of 'putting out the requirement-the development of the technical personnel-putting on line', the time consumption is less, and the efficiency is higher. The investment monitoring index setting of the financial products is provided with infinite possibility through building the meta-factor building blocks.
According to an optional embodiment of the present application, when step S106 is executed, the required meta-factor attribute is checked by the system foreground, and the corresponding logic judgment is assisted, so that the monitoring index required by the service can be generated in real time, and the service efficiency is greatly improved.
The investment monitoring index is formed by association and combination of two or more factors, and the index table only stores codes of the factors, so that data redundancy is reduced; compared with the previous index calculation, the existing index result can show the calculation result of each factor related in the index according to the calculation formula of the current index, so that a clear calculation process is provided for service personnel to check the problem, the operation and maintenance cost of the system is reduced, and the detail result of the monitoring index is shown more timely and accurately.
Through the steps, the molecular denominator of the investment monitoring index of the financial product is decomposed to the lowest non-redispersible minimum particle unit (element factor) by adopting a clustering analysis mode, then the element factor is built in a building block mode to generate a new monitoring index of the financial product, the purposes that the operation can be performed on a front page of a system and the monitoring index required by a service can be generated in real time are achieved, and therefore the technical effects of simplifying the investment monitoring index setting flow of the financial product, effectively improving the service efficiency and enhancing the user experience are achieved.
In some alternative embodiments of the present application, the financial product in step S102 encompasses six investment types of bond-type products, stock-type products, foundation-type products, nonstandard asset-type products, derivative-type products, pension-type products.
According to an alternative embodiment of the present application, before performing step S104, it is also necessary to determine a plurality of configuration units by: determining a plurality of configuration units according to the common attribute and the personality attribute, wherein the common attribute comprises: the name of the configuration unit, the type of the configuration unit and the value of the configuration unit; the personality attributes include at least one of: basic information, detailed subject information, credit rating information, and streaming transaction information.
The implementation principle of the metafactor is realized by initializing templates and parameters, wherein the templates are divided into: the bond class, stock class, fund class, nonstandard asset class, derivative product class, pension class. When the index is configured, the corresponding templates are configured, and the newly-increased investment supervision index is rapidly configured by selecting the corresponding elements.
In the aspect of system design, by adopting logic storage of the prime factor, each factor identifies a molecule or a denominator, various factors can be flexibly combined, each index is associated and configured through an associated factor code, and redundant data is reduced. And the method can also support the monitoring element factors required by the real-time configuration of service personnel in a template configuration mode, greatly reduce the code development work of the newly added factors and improve the overall development efficiency of the system.
The templates all have some common attributes, wherein the common attributes include: factor name, factor type, factor value field; the templates are provided with individual attributes except common attributes, and the individual attributes are divided into basic information (from financial information data) and detailed subjects (accounting and accounting basis standard) and current day flow transaction information according to data sources.
Taking a template of the bond element factors as an example, the basic information includes the bond type, financing subject, whether it is a private debt, whether it is a city debt, trade market, lock period, monitoring reason, issue scale, remaining period, and the like. The detail subject section contains the trading market, the manner of release, and whether or not it contains interest to be received. The running transaction information comprises the current day running transaction information such as a transaction market, on-site certificate running, new debt under the network, off-site bonds and the like.
The basic information of the templates of stock class meta-factors includes stock blocks, special handling class (S, ST, etc.), harbor stock, monitoring reasons, index, non-public index, stock classification, a-stock share, total share, remaining lock period, total market value, license contract industry category, etc. The detail subject section includes the issuing means and the trading market. The running transaction information includes in-field coupon transaction running water and new off-network strands.
Basic information of templates of the fund metafactor includes fund type, license classification, operation mode, fund attribute, etc. The running transaction information includes in-house coupon running and open fund transactions.
Basic information of templates of derivative item metafactors includes futures variety, whether it is a single futures variety, current date, delivery date, etc. The aggregate transaction information includes accounting items, transaction attributes, and the like.
The basic information of the template of the nonstandard asset element factors mainly comprises accounting data and is classified into trusts according to subject attributes. Real estate, financial, insurance, infrastructure creditor, etc.
The basic information of the templates of pension class factors mainly relates to asset class related attributes.
According to an optional embodiment of the present application, after step S106 is performed, information corresponding to the personality attribute is also acquired at a preset time interval.
According to an alternative embodiment of the application, the financial product investment monitoring system is provided with a complete database system, and external information data provided by financial collections are automatically read in the morning through task scheduling every day, namely, the personal attribute information of the configuration unit is automatically acquired through the database. By establishing a complete and expandable bottom database structure, the method can ensure that basic data can be read and invoked in time, and data required in the market are added to the basic data of the system in real time, so that the method is a basis for generating financial product investment monitoring indexes.
In some optional embodiments of the present application, before the execution of step S106 is completed, obtaining an access logic of the configuration unit, where the access logic is used to characterize an access rule of the configuration unit; judging whether the access logic is consistent with a preset access logic or not; if the access logic is judged to be consistent with the preset access logic, the configuration unit is determined to be a target configuration unit.
According to an alternative embodiment of the present application, the above-mentioned access logic refers to an access rule of the configuration unit, for example, access to a market value of a certain bond in the asset estimation table, and judge the variety information of the certain bond through external market data.
When the factor is added, the system provides factor trial calculation function, and can verify the dynamic factor before being added and stored, and verify the existing factor in the system, and the result is consistent with actual index calculation.
The system analyzes the corresponding fetch logic by acquiring the configured factors, so that the fetch verification can be performed on the logic correctness of the newly added factors or the configuration factors in real time, the calculation result is displayed in real time, the verification is performed through the fetch logic description of each factor displayed in the system, the accuracy of the factors is ensured, and the later maintenance cost of the system is reduced.
In an optional embodiment of the present application, after the step S106 is executed, the investment data of the financial product corresponding to the monitoring index to be generated is calculated according to the monitoring index to be generated, so as to obtain a monitoring index value of the financial product; comparing the monitoring index value with a preset threshold value, and determining whether the investment data of the financial product meets the standard according to the comparison result; and alarming the investment data which does not meet the standard, and prompting the treatment of the investment data which does not meet the standard.
After the monitoring index is constructed, the system automatically calculates the monitoring index value of each financial product asset. The system automatically calculates the monitoring index according to the pre-configured monitoring index in the early morning through task scheduling, automatically runs the batch according to the settlement mode of the asset, simultaneously automatically generates the task of each asset every day, and records the information of the reading state, the evaluation list state, the index calculation state, the time and the like of the current asset. For daily business, the automatic calculation of monitoring metrics has fully met the business needs, but sometimes a separate manual calculation of one or more metrics is required.
The system automatically calculates the monitoring index of each asset, and carries out early warning and violation judgment according to the set threshold and direction, and automatically prompts service personnel for subsequent processing on the early warning and violation index system.
According to an alternative embodiment of the present application, after prompting processing of non-standard investment data, it is also necessary to detect whether processing of non-standard investment data is completed; if the processing is not completed, prompting to continue processing the investment data which does not meet the standard. For the index automatically judged as illegal or early-warning, the monitoring personnel should process, the system can automatically judge the processing condition of the monitoring personnel and remind the unprocessed part.
FIG. 2 is a block diagram of a data monitoring system according to an embodiment of the present application, as shown in FIG. 2, comprising:
the monitoring module 20 is configured to execute the above method for generating the monitoring index.
The construction of the metafactor template by the monitoring module 20 fundamentally solves the problems of long setting period of investment monitoring indexes, slow response service requirements and poor expansibility, which afflict investment monitoring staff. The molecular denominator of the monitoring index is decomposed to the factor at the bottommost layer, namely the element factor, then the element factor is built in a building block mode, investment monitoring service personnel can operate on a foreground page of the system, a lengthy technical development index flow is not needed, indexes required by the service can be generated in real time, and the index construction is fast and efficient. Meanwhile, the system has good expansibility, new financial tools and products in the market can be brought into a 'meta-factor' system at regular intervals, the redundant occupation of system investment supervision indexes is reduced, and the system has a scale effect.
And the database 22 is used for acquiring and storing information corresponding to the personality attributes of the configuration units.
The complete data structure is an important basis for effective application of the investment monitoring system, and the investment monitoring system in the embodiment of the application establishes complete market bottom layer basic data, covers all granular market information, can automatically read the market information and effectively improves the efficiency.
The risk management module 24 is configured to monitor the above method for generating the monitoring index.
The risk management module 24 is composed of an investment monitoring workbench and a management cockpit, and monitors the business process and the management process respectively.
The investment supervision workbench takes the service flow as a main line, and covers the execution conditions of various service flow steps such as data reading conditions, evaluation list real-time conditions, investment supervision index processing conditions, violation result processing conditions, violation data export and sending conditions and the like, so that service personnel can operate various steps according to system prompts, service management can monitor service progress in real time, find out service potential risks and ensure service compliance.
The management cockpit uses management as a main line, utilizes the thought of behavior management, performs full-view centralized display on business operation through a visual interface, supports drilling type inquiry, enables a manager to acquire real-time operation conditions of all members, all assets and all processes at any time, and improves the management efficiency and the accuracy of managed operation. The investment supervision operation conditions of the headquarter and each branch are monitored in real time, including the completion and summarization of the branch tasks, the modification and summarization of the branch indexes, the summarization of the branch violation processing and the like, so that headquarter managers can master the service operation completion conditions and the service proficiency level of the headquarter and each branch in real time.
And the risk management of the investment supervision full-service flow is brought into the system, and the service flow and the management flow are respectively monitored by constructing an investment supervision workbench and a management cockpit, so that the full-process risk management of the investment supervision system is better realized, and the service operation risk is reduced.
Fig. 3 is a structural diagram of a monitoring index generating device according to an embodiment of the present application, as shown in fig. 3, the device includes:
the first obtaining module 30 is configured to obtain a type of monitoring index to be generated, where the monitoring index is used to monitor investment data of the financial product. The monitoring index to be generated refers to an investment monitoring index of a financial product which needs to be newly set.
The second obtaining module 32 is configured to obtain a configuration unit required for generating the type of monitoring index from a plurality of configuration units, where the configuration unit is a minimum component unit of a numerator and a denominator of a configuration formula corresponding to the monitoring index. The configuration unit refers to an unreveable minimum execution unit that breaks down the numerator or denominator of the investment monitor index of the financial product to the lowest level, referred to as a "metafactor" in the embodiments of the present application.
According to the element factor function in the embodiment of the application, the thought of cluster analysis is adopted, the attribute of the financial product investment monitoring index in the market is researched through a system, the element of the financial product investment index is firstly split into the smallest non-subdividable execution units, and the smallest units are the element factors which form the basis of the investment monitoring index numerator or denominator.
The generating module 34 is configured to generate the monitoring index to be generated according to the acquired configuration unit.
According to the characteristics of the metafactors, the metafactors are reclassified according to the product types related to the monitoring indexes, and six-major-factor templates of stocks, bonds, funds, pension, nonstandard and derivatives are constructed in a parameterized mode, so that investment monitoring indexes required by business personnel are supported to be generated quickly, the setting flow of the investment monitoring indexes is simplified fully, and the business efficiency is improved effectively.
Specifically, the method comprises the steps of firstly standardizing, granulating and templating the existing financial products on the market according to the properties and characteristics of the existing financial products on the market, classifying the existing financial products on the market, enabling the system to rapidly respond when new financial products appear, classifying the new financial products into the existing major classes or creating a new major class; on the other hand, the existing financial products are granulated, then the upper-layer index is built based on the granulated elements, the degree of freedom of the index creation mode from bottom to top is larger, the intervention of a developer is not needed in the index creation process, and compared with the previous process of 'putting out the requirement-the development of the technical personnel-putting on line', the time consumption is less, and the efficiency is higher. The investment monitoring index setting of the financial products is provided with infinite possibility through building the meta-factor building blocks.
The required element factor attribute is checked through the system foreground, and the corresponding logic judgment is assisted, so that monitoring indexes required by the service can be generated in real time, and the service efficiency is greatly improved.
The investment monitoring index is formed by association and combination of two or more factors, and the index table only stores codes of the factors, so that data redundancy is reduced; compared with the previous index calculation, the existing index result can show the calculation result of each factor related in the index according to the calculation formula of the current index, so that a clear calculation process is provided for service personnel to check the problem, the operation and maintenance cost of the system is reduced, and the detail result of the monitoring index is shown more timely and accurately.
In an optional embodiment of the present application, the apparatus further comprises a determining module configured to determine the plurality of configuration units by: determining a plurality of configuration units according to the common attribute and the personality attribute, wherein the common attribute comprises: the name of the configuration unit, the type of the configuration unit and the value of the configuration unit; the personality attributes include at least one of: basic information, detailed subject information, credit rating information, and streaming transaction information.
The implementation principle of the metafactor is realized by initializing templates and parameters, wherein the templates are divided into: the bond class, stock class, fund class, nonstandard asset class, derivative product class, pension class. When the index is configured, the corresponding templates are configured, and the newly-increased investment supervision index is rapidly configured by selecting the corresponding elements.
In the aspect of system design, by adopting logic storage of the prime factor, each factor identifies a molecule or a denominator, various factors can be flexibly combined, each index is associated and configured through an associated factor code, and redundant data is reduced. And the method can also support the monitoring element factors required by the real-time configuration of service personnel in a template configuration mode, greatly reduce the code development work of the newly added factors and improve the overall development efficiency of the system.
The templates all have some common attributes, wherein the common attributes include: factor name, factor type, factor value field; the templates are provided with individual attributes except common attributes, and the individual attributes are divided into basic information (from financial information data) and detailed subjects (accounting and accounting basis standard) and current day flow transaction information according to data sources.
It should be noted that, the preferred implementation manner of the embodiment shown in fig. 3 may refer to the related description of the embodiment shown in fig. 1, which is not repeated herein.
The embodiment of the application also provides a storage medium, which comprises a stored program, wherein the program controls equipment where the storage medium is located to execute the method for generating the monitoring index.
The storage medium is used for storing a program that performs the following functions: acquiring the type of a monitoring index to be generated, wherein the monitoring index is used for monitoring investment data of financial products; the method comprises the steps that a configuration unit required by generating a type of monitoring index is obtained from a plurality of configuration units, wherein the configuration unit is a minimum component unit of a numerator and a denominator of a calculation formula corresponding to the monitoring index; and generating a monitoring index to be generated according to the acquired configuration unit.
The embodiment of the application also provides a processor, which is used for running a program, wherein the method for generating the monitoring index is executed when the program runs.
The processor is configured to execute a program that performs the following functions: acquiring the type of a monitoring index to be generated, wherein the monitoring index is used for monitoring investment data of financial products; the method comprises the steps that a configuration unit required by generating a type of monitoring index is obtained from a plurality of configuration units, wherein the configuration unit is a minimum component unit of a numerator and a denominator of a calculation formula corresponding to the monitoring index; and generating a monitoring index to be generated according to the acquired configuration unit.
The foregoing embodiment numbers of the present application are merely for describing, and do not represent advantages or disadvantages of the embodiments.
In the foregoing embodiments of the present application, the descriptions of the embodiments are emphasized, and for a portion of this disclosure that is not described in detail in this embodiment, reference is made to the related descriptions of other embodiments.
In the several embodiments provided in the present application, it should be understood that the disclosed technology content may be implemented in other manners. The above-described embodiments of the apparatus are merely exemplary, and the division of the units, for example, may be a logic function division, and may be implemented in another manner, for example, a plurality of units or components may be combined or may be integrated into another system, or some features may be omitted, or not performed. Alternatively, the coupling or direct coupling or communication connection shown or discussed with each other may be through some interfaces, units or modules, or may be in electrical or other forms.
The units described as separate parts may or may not be physically separate, and parts displayed as units may or may not be physical units, may be located in one place, or may be distributed on a plurality of units. Some or all of the units may be selected according to actual needs to achieve the purpose of the solution of this embodiment.
In addition, each functional unit in each embodiment of the present application may be integrated in one processing unit, or each unit may exist alone physically, or two or more units may be integrated in one unit. The integrated units may be implemented in hardware or in software functional units.
The integrated units, if implemented in the form of software functional units and sold or used as stand-alone products, may be stored in a computer readable storage medium. Based on such understanding, the technical solution of the present application may be embodied in essence or a part contributing to the prior art or all or part of the technical solution in the form of a software product stored in a storage medium, including several instructions to cause a computer device (which may be a personal computer, a server or a network device, etc.) to perform all or part of the steps of the methods described in the embodiments of the present application. And the aforementioned storage medium includes: a U-disk, a Read-Only Memory (ROM), a random access Memory (RAM, random Access Memory), a removable hard disk, a magnetic disk, or an optical disk, or other various media capable of storing program codes.
The foregoing is merely a preferred embodiment of the present application and it should be noted that modifications and adaptations to those skilled in the art may be made without departing from the principles of the present application and are intended to be comprehended within the scope of the present application.
Claims (11)
1. A method for generating a monitoring index, comprising:
acquiring the type of a monitoring index to be generated, wherein the monitoring index to be generated is an investment monitoring index of a financial product to be newly set, and the investment monitoring index is used for monitoring the investment data of the financial product;
the method comprises the steps that configuration units required by generation of monitoring indexes of types are obtained from a plurality of configuration units, wherein the configuration units are minimum constituent units of numerator and denominator of a calculation formula corresponding to the monitoring indexes;
determining a configuration unit required for generating the type of monitoring index to be generated from system basic data according to a common attribute and a personalized attribute, wherein the common attribute comprises: the name of the configuration unit, the type of the configuration unit and the value of the configuration unit, and the personality attribute comprises at least one of the following: basic information, detailed subject information, credit rating information, and streaming transaction information;
verifying the accuracy of the access logic of the configuration unit required for determining the generation of the type of monitoring index to be generated in real time, and determining the configuration unit after verification is passed as a target configuration unit;
classifying the configuration units according to the product types of the financial products which are required to be newly set; constructing templates of different configuration units in a parameterized mode;
the target configuration unit generates the monitoring index to be generated according to the configuration unit template;
calculating the investment data of the financial products corresponding to the monitoring indexes to be generated according to the monitoring indexes to be generated to obtain monitoring index values of the financial products, analyzing the relation between the monitoring index values and preset thresholds and the investment trend of the obtained investment data, and carrying out early warning and violation verification on the generated monitoring indexes and the investment data.
2. The method of claim 1, wherein the financial product comprises: a bond product, a stock product, a fund product, a nonstandard asset product, a derivative product, and a pension product.
3. The method of claim 1, wherein after the target configuration unit generates the monitor indicator to be generated from the configuration unit template, the method further comprises:
and acquiring information corresponding to the personality attribute according to a preset time interval.
4. The method of claim 1, wherein prior to the target configuration unit generating the monitor metrics to be generated from the configuration unit templates, the method further comprises:
acquiring access logic of the configuration unit, wherein the access logic is used for representing access rules of the configuration unit;
judging whether the access logic is consistent with a preset access logic or not;
and if the access logic is judged to be consistent with the preset access logic, determining the configuration unit as a target configuration unit.
5. The method according to claim 1, wherein the method further comprises:
comparing the monitoring index value with a preset threshold value, and determining whether the investment data of the financial product meets the standard according to the comparison result;
and alarming the investment data which does not meet the standard, and prompting the processing of the investment data which does not meet the standard.
6. The method of claim 5, wherein after prompting processing the investment data that does not meet a criterion, the method further comprises:
detecting whether the processing of the investment data which does not meet the standard is completed or not;
if the processing is not completed, prompting to continue processing the investment data which does not meet the standard.
7. A data monitoring system, comprising:
a monitoring module for executing the method for generating a monitoring index according to any one of claims 1 to 6;
the database is used for acquiring and storing information corresponding to the personality attributes of the configuration units;
a risk management module for monitoring the method for generating the monitoring index according to any one of claims 1 to 6.
8. A monitoring index generating device, characterized by comprising:
the first acquisition module is used for acquiring the type of a monitoring index to be generated, wherein the monitoring index to be generated is an investment monitoring index of a financial product which needs to be newly set, and the investment monitoring index is used for monitoring the investment data of the financial product; the method comprises the steps that configuration units required by generation of monitoring indexes of types are obtained from a plurality of configuration units, wherein the configuration units are minimum constituent units of numerator and denominator of a calculation formula corresponding to the monitoring indexes;
the second obtaining module is used for determining a configuration unit required for generating the type of monitoring index to be generated from system basic data according to the common attribute and the personality attribute, wherein the common attribute comprises: the name of the configuration unit, the type of the configuration unit and the value of the configuration unit, and the personality attribute comprises at least one of the following: basic information, detailed subject information, credit rating information, and streaming transaction information; verifying the accuracy of the access logic of the configuration unit required for determining the generation of the type of monitoring index to be generated in real time, and determining the configuration unit after verification is passed as a target configuration unit;
the generation module is used for classifying the configuration units according to the product types of the financial products which are newly set as required; constructing templates of different configuration units in a parameterized mode; the target configuration unit generates the monitoring index to be generated according to the configuration unit template;
and the other units except the units are used for calculating the investment data of the financial products corresponding to the monitoring indexes to be generated according to the monitoring indexes to be generated to obtain the monitoring index values of the financial products, analyzing the relation between the monitoring index values and the preset threshold values and the investment trend of the obtained investment data, and carrying out early warning and illegal verification on the generated monitoring indexes and the investment data.
9. The apparatus of claim 8, wherein the apparatus further comprises:
a determining module for determining a plurality of configuration units by:
determining the plurality of configuration units according to a common attribute and a personality attribute, wherein the common attribute comprises: the name of the configuration unit, the type of the configuration unit and the value of the configuration unit; the personality attributes include at least one of: basic information, detailed subject information, credit rating information, and streaming transaction information.
10. A storage medium comprising a stored program, wherein the program, when run, controls a device in which the storage medium is located to perform the method of generating a monitoring index according to any one of claims 1 to 6.
11. A processor, characterized in that the processor is configured to run a program, wherein the program, when run, performs the method of generating a monitoring indicator according to any one of claims 1 to 6.
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| CN112613988B (en) * | 2020-12-31 | 2024-07-12 | 中国农业银行股份有限公司 | Method and device for generating credit investigation index information |
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