CN111626881B - Annuity combined risk management system, annuity combined risk management method, annuity combined risk management server and storage medium - Google Patents
Annuity combined risk management system, annuity combined risk management method, annuity combined risk management server and storage medium Download PDFInfo
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- CN111626881B CN111626881B CN202010468999.8A CN202010468999A CN111626881B CN 111626881 B CN111626881 B CN 111626881B CN 202010468999 A CN202010468999 A CN 202010468999A CN 111626881 B CN111626881 B CN 111626881B
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Abstract
The application provides a annuity combination risk management system, a annuity combination risk management method, a annuity combination risk management server and a annuity combination risk management storage medium, wherein the system is used for acquiring at least one first index data of an annuity combination in a current period and scoring rules respectively corresponding to the at least one first index data; the processor is used for scoring the at least one item of first index data according to scoring rules respectively corresponding to the at least one item of first index data to obtain scoring results corresponding to the at least one item of first index data; the processor is further configured to generate first risk prompt information for annuity combinations, the first risk prompt information including: at least one item of index data, wherein the scoring result of the index data does not meet the preset condition and the scoring result of the index data does not meet the preset condition; the transmitter is used for pushing first risk prompt information to the terminal equipment. The generation and the sending of the risk prompt information are realized, and the processing efficiency of the risk prompt information is improved.
Description
Technical Field
The present application relates to the field of data processing technologies, and in particular, to a annuity combined risk management system, a annuity combined risk management method, a server, and a storage medium.
Background
At present, the enterprise annuity is a supplementary pension system, and the enterprise and staff thereof voluntarily establish the supplementary pension system on the basis of participating in basic pension insurance according to law. How to keep the value and increase in the annual gold operation process of enterprises is the focus of attention of the consignor, so that the supervision of the annual gold combined health degree is more important.
In the prior art, for supervision of the health degree of the annuity combination, the health degree of the annuity combination is manually calculated through manual comparison of the supervision clauses of the annuity combination according to the indexes such as investment proportion, investment risk and investment performance of the annuity combination, risk prompt information is manually written according to the health degree of the annuity combination, and the risk prompt information is provided to an investment manager of the annuity combination.
However, in the prior art, generation and transmission of annuity combined risk prompt information depend on a large amount of manual and off-line processing, and the efficiency is low.
Disclosure of Invention
The application provides a annuity combined risk management system, a annuity combined risk management method, a annuity combined risk management server and a annuity combined risk management storage medium, so that generation and pushing of annuity combined risk prompt information are realized, and the processing efficiency of the annuity combined risk prompt information is improved.
In a first aspect, an embodiment of the present application provides an annuity combined risk management system, including:
the device comprises a transmitter, a receiver and a processor, wherein the transmitter and the receiver are respectively connected with the processor; the receiver is used for acquiring at least one item of first index data of the annuity combination in the current period and scoring rules respectively corresponding to the at least one item of first index data; the processor is used for scoring the at least one item of first index data according to scoring rules respectively corresponding to the at least one item of first index data to obtain scoring results corresponding to the at least one item of first index data; the processor is further configured to generate first risk prompt information of annuity combinations, where the first risk prompt information includes: at least one item of index data, wherein the scoring result of the index data does not meet the preset condition and the scoring result of the index data does not meet the preset condition; and the transmitter is used for pushing the first risk prompt information to the terminal equipment.
According to the embodiment of the application, the risk prompt information of the annuity combination is generated according to the scoring result corresponding to the at least one first index data, the risk prompt information comprises index data which does not meet the preset condition and the scoring result of the index data which does not meet the preset condition, the reliability of the risk prompt information can be improved, and finally the risk prompt information is pushed to the terminal equipment, so that the generation and the transmission of the risk prompt information are realized, and the processing efficiency of the risk prompt information is improved.
In a possible implementation manner, the receiver is further configured to obtain a risk prompting template corresponding to the index data that does not meet the preset condition;
accordingly, the processor is particularly adapted to: and writing the index data which do not meet the preset conditions and the grading result of the index data which do not meet the preset conditions into a risk prompt template to generate first risk prompt information.
In the embodiment of the application, by respectively corresponding each index data to one risk prompting template and writing the index data which does not meet the preset condition and the grading result of the index data which does not meet the preset condition into the risk prompting template, different risk prompting information is generated aiming at different index data, and the personalized requirement of the risk prompting information is further met.
In a possible implementation manner, the receiver is further configured to receive indication information sent by the terminal device; and the processor is also used for adjusting the annuity combination according to the indication information to obtain scoring rules respectively corresponding to at least one item of second index data of the annuity combination after adjustment, wherein the second index data is index data of the annuity combination in the next period of the current period.
In the embodiment of the application, after the first risk prompt information is sent to the terminal equipment, the indication information sent by the terminal equipment is received, the annuity combination is adjusted according to the indication information by analyzing the indication information, so that the grading rule of index data of the annuity combination in the next period after adjustment is obtained, and the adjustment of the annuity combination and the grading rule is realized.
In a possible embodiment, the receiver is further configured to obtain at least one second index data of the annuity combination; the processor is further configured to: scoring the at least one item of second index data according to scoring rules respectively corresponding to the at least one item of second index data to obtain scoring results corresponding to the at least one item of second index data; if the scoring result of at least one item of second index data does not meet the preset condition, generating second risk prompting information; and the transmitter is also used for transmitting the second risk prompt information to the terminal equipment.
In a possible implementation manner, the processor is further configured to determine whether a first total score of the scoring result corresponding to the at least one second index data is higher than a second total score of the scoring result corresponding to the at least one first index data;
if the first total score is not higher than the second total score, obtaining a comparison result of the scoring result of at least one item of second index data and the scoring result of at least one item of first index data; and writing the comparison result into the second risk prompt information.
In the embodiment of the application, by judging the first total score corresponding to the second index data and the second total score corresponding to the second index data, judging whether to acquire the comparison result of the score result of at least one item of second index data and the score result of at least one item of first index data according to the first total score and the second total score, and writing the comparison result into the risk prompt information, the reliability of the risk prompt information is further improved.
In a possible implementation manner, the processor is further configured to obtain a comparison result of the scoring result of the at least one second index data and the scoring result of the at least one first index data if the scoring result of the second index data is not higher than the scoring result of the first index data corresponding to the second index data; and writing the comparison result into the second risk prompt information.
In one possible implementation manner, the index data that does not meet the preset condition is index data in which the scoring result in the at least one first index data is smaller than the preset scoring result. The following describes a annuity combined risk management method, a server, a device, a computer readable storage medium and a computer program product provided by the embodiments of the present application, and the content and effects thereof may refer to the annuity combined risk management system provided by the embodiments of the present application and will not be described in detail.
In a second aspect, an embodiment of the present application provides a annuity combined risk management method, including:
the method comprises the steps that a server obtains at least one item of first index data of annuity combination in a current period and scoring rules respectively corresponding to the at least one item of first index data;
the server scores the at least one item of first index data according to the scoring rule corresponding to the at least one item of first index data respectively to obtain a scoring result corresponding to the at least one item of first index data;
The server generates first risk prompt information of annuity combination, wherein the first risk prompt information comprises: at least one item of index data, wherein the scoring result of the index data does not meet the preset condition and the scoring result of the index data does not meet the preset condition;
the server pushes first risk prompt information to the terminal equipment.
In one possible implementation, before the server generates the first risk prompting message of the annuity combination, the method further includes:
the server acquires a risk prompt template corresponding to index data which does not meet preset conditions;
correspondingly, the server generates first risk prompt information of the annuity combination, which comprises the following steps:
the server writes the index data which does not meet the preset conditions and the grading result of the index data which does not meet the preset conditions into the risk prompt template to generate first risk prompt information.
In a possible implementation manner, the annuity combined risk management method provided by the embodiment of the application further includes:
the server receives indication information sent by the terminal equipment;
the server adjusts the annuity combination according to the indication information to obtain scoring rules respectively corresponding to at least one item of second index data of the annuity combination after adjustment, wherein the second index data is index data of the annuity combination in the next period of the current period.
In a possible implementation manner, the annuity combined risk management method provided by the embodiment of the application further includes:
the server acquires at least one item of second index data of the annuity combination;
the server scores the at least one item of second index data through the scoring rule corresponding to the at least one item of second index data respectively to obtain a scoring result corresponding to the at least one item of second index data;
if the scoring result of at least one item of second index data does not meet the preset condition, the server generates second risk prompting information;
and the server sends second risk prompt information to the terminal equipment.
In one possible implementation manner, before the server generates the second risk prompting information, the method further includes:
the server judges whether the first total score of the scoring result corresponding to the at least one piece of second index data is higher than the second total score of the scoring result corresponding to the at least one piece of first index data;
if the first total score is not higher than the second total score, the server acquires a comparison result of the scoring result of at least one item of second index data and the scoring result of at least one item of first index data;
the server generates second risk prompt information, including:
And the server writes the comparison result into the second risk prompt information.
In one possible implementation manner, before the server generates the second risk prompting information, the method further includes:
if the scoring result of the second index data is not higher than the scoring result of the first index data corresponding to the second index data, the server acquires the comparison result of the scoring result of at least one item of second index data and the scoring result of at least one item of first index data;
the server generates second risk prompt information, including:
and the server writes the comparison result into the second risk prompt information.
In one possible embodiment, the index data that does not satisfy the preset condition is index data, in which the scoring result in the at least one first index data is smaller than the preset scoring result.
In a third aspect of the annuity combined risk management method, an embodiment of the present application provides an annuity combined risk management device, including:
the acquisition module is used for acquiring at least one item of first index data of the annuity combination in the current period and scoring rules respectively corresponding to the at least one item of first index data;
the processing module is used for scoring the at least one item of first index data according to scoring rules respectively corresponding to the at least one item of first index data to obtain scoring results corresponding to the at least one item of first index data;
The generation module is used for generating first risk prompt information of annuity combination, and the first risk prompt information comprises: at least one item of index data, wherein the scoring result of the index data does not meet the preset condition and the scoring result of the index data does not meet the preset condition;
the pushing module is used for pushing the first risk prompt information to the terminal equipment.
In one possible implementation, the obtaining module is further configured to:
acquiring a risk prompt template corresponding to index data which does not meet preset conditions;
correspondingly, the generating module is specifically configured to:
and writing the index data which do not meet the preset conditions and the grading result of the index data which do not meet the preset conditions into a risk prompt template to generate first risk prompt information.
In a possible implementation manner, the data processing apparatus provided by the embodiment of the present application further includes:
the receiving module is used for receiving the indication information sent by the terminal equipment;
the adjustment module is used for adjusting the annuity combination according to the indication information to obtain scoring rules respectively corresponding to at least one item of second index data of the annuity combination after adjustment, wherein the second index data is index data of the annuity combination in the next period of the current period.
In one possible implementation, the embodiment of the present application provides a data processing apparatus,
the acquisition module is also used for acquiring at least one item of second index data of the annuity combination;
the processing module is also used for scoring the at least one item of second index data through scoring rules respectively corresponding to the at least one item of second index data to obtain scoring results corresponding to the at least one item of second index data;
the generation module is further used for generating second risk prompt information if the scoring result of the at least one piece of second index data does not meet the preset condition;
the pushing module is further configured to send second risk prompting information to the terminal device.
In one possible embodiment, the method further comprises:
the judging module is used for judging whether the first total score of the scoring result corresponding to the at least one piece of second index data is higher than the second total score of the scoring result corresponding to the at least one piece of first index data;
the obtaining module is further configured to obtain a comparison result of the scoring result of the at least one second index data and the scoring result of the at least one first index data if the first total score is not higher than the second total score;
the generation module is specifically used for:
and writing the comparison result into the second risk prompt information.
In one possible implementation, the obtaining module is further configured to:
if the scoring result of the second index data is not higher than the scoring result of the first index data corresponding to the second index data, the comparison result of the scoring result of at least one item of second index data and the scoring result of at least one item of first index data is obtained;
the generating module is further used for:
and writing the comparison result into the second risk prompt information.
In one possible embodiment, the index data that does not satisfy the preset condition is index data whose scoring result is smaller than the preset scoring result.
In a third aspect, embodiments of the present application provide a server comprising an annuity combined risk management system as provided in the first aspect or the alternative of the first aspect.
According to the annuity combination risk management method, the annuity combination risk management system, the annuity combination risk management method, the annuity combination risk management server and the annuity combination risk management storage medium, at least one item of first index data of annuity combination in the current period and scoring rules respectively corresponding to the at least one item of first index data are obtained through the receiver; then scoring at least one item of first index data according to scoring rules respectively corresponding to the at least one item of first index data by a processor to obtain scoring results corresponding to the at least one item of first index data; and generating first risk prompt information of the annuity combination, wherein the first risk prompt information comprises: at least one item of index data, wherein the scoring result of the index data does not meet the preset condition and the scoring result of the index data does not meet the preset condition; and finally, pushing first risk prompt information to the terminal equipment through a transmitter. Because the risk prompt information of the annuity combination is generated according to the scoring result corresponding to the at least one first index data, and the risk prompt information comprises the index data which does not meet the preset condition and the scoring result of the index data which does not meet the preset condition, the reliability of the risk prompt information can be improved, and finally the risk prompt information is pushed to the terminal equipment, so that the generation and the transmission of the risk prompt information are realized, and the processing efficiency of the risk prompt information is improved.
Drawings
In order to more clearly illustrate the embodiments of the present application or the technical solutions of the prior art, the drawings that are needed in the embodiments or the description of the prior art will be briefly described below, it will be obvious that the drawings in the following description are some embodiments of the present application, and that other drawings can be obtained according to these drawings without inventive effort to a person skilled in the art.
FIG. 1 is an exemplary application scenario diagram provided by an embodiment of the present application;
FIG. 2 is a schematic diagram of an annuity combined risk management system according to an embodiment of the present application;
fig. 3 to fig. 4 are schematic interface diagrams of terminal devices according to an embodiment of the present application;
FIG. 5 is a schematic diagram of a combined annuity risk management system according to another embodiment of the present application;
FIG. 6 is a flow chart of a combined annuity risk management method according to an embodiment of the application;
FIG. 7 is a flow chart of a combined annuity risk management method according to another embodiment of the application;
FIG. 8 is a schematic diagram of an annuity combined risk management device according to an embodiment of the present application;
fig. 9 is a schematic structural diagram of a data processing apparatus according to another embodiment of the present application.
Detailed Description
For the purpose of making the objects, technical solutions and advantages of the embodiments of the present application more apparent, the technical solutions of the embodiments of the present application will be clearly and completely described below with reference to the accompanying drawings in the embodiments of the present application, and it is apparent that the described embodiments are some embodiments of the present application, but not all embodiments of the present application. All other embodiments, which can be made by those skilled in the art based on the embodiments of the application without making any inventive effort, are intended to be within the scope of the application.
The terms "first," "second," "third," "fourth" and the like in the description and in the claims and in the above drawings, if any, 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 the embodiments of the application described herein may be implemented, for example, 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.
How to keep the value and increase in the annual gold operation process of enterprises is the focus of attention of the consignor, so that the supervision of the annual gold combined health degree is more important. In the prior art, for supervision of the health degree of the annuity combination, the health degree of the annuity combination is manually calculated through manual comparison on the supervision clauses of the annuity combination according to the indexes such as investment proportion, investment risk and investment performance of the annuity combination, risk prompt information is manually written according to the health degree of the annuity combination, and the risk prompt information is provided for an investment manager of the annuity combination, and the annuity combination has low efficiency due to a large amount of manual and off-line processing. In order to solve the technical problems, the embodiment of the application provides a annuity combined risk management system, an annuity combined risk management method, a server and a storage medium.
According to the annuity combined risk management system, the annuity combined risk management method, the annuity combined risk management server and the annuity combined risk management storage medium, the annuity combined risk prompt information is generated according to the scoring result corresponding to at least one item of first index data, the risk prompt information comprises index data which does not meet the preset condition and scoring results of the index data which does not meet the preset condition, reliability of the risk prompt information can be improved, and finally the risk prompt information is pushed to the terminal equipment, so that generation and sending of the risk prompt information are achieved, and processing efficiency of the risk prompt information is improved. And through online data processing of the server, the scoring result can be stored in a database for subsequent data analysis and the like on the scoring results in different periods.
In the following, an exemplary application scenario of an embodiment of the present application is described.
The annuity combination risk management method provided by the embodiment of the present application may be executed by the annuity combination risk management system provided by the embodiment of the present application, where the annuity combination risk management system provided by the embodiment of the present application may be part or all of a server, fig. 1 is an exemplary application scenario diagram provided by the embodiment of the present application, and as shown in fig. 1, there is data interaction between a terminal device 11 and a server 12, and the annuity combination risk management method provided by the embodiment of the present application may be applied to the server 12. The embodiment of the application does not limit the specific types of the terminal equipment and the server, for example, the terminal equipment can be a smart phone, a personal computer, a tablet personal computer, a wearable device, a vehicle-mounted terminal and the like, and the server can be at least one server or a server cluster and the like.
Fig. 2 is a schematic structural diagram of an annuity combined risk management system according to an embodiment of the present application, and the annuity combined risk management system according to the embodiment of the present application is described below by taking the annuity combined risk management system as a server as an example, where, as shown in fig. 2, the annuity combined risk management system according to the embodiment of the present application may include: a transmitter 21, a receiver 23 and a processor 22, the transmitter 21 and the receiver 23 being connected to the processor 22, respectively; a receiver 23, configured to obtain at least one first index data of the annuity combination in the current period, and scoring rules corresponding to the at least one first index data respectively; the processor 22 is configured to score at least one item of first index data according to a scoring rule corresponding to the at least one item of first index data, so as to obtain a scoring result corresponding to the at least one item of first index data; the processor 22 is further configured to generate first risk prompt information of the annuity combination, where the first risk prompt information includes: at least one item of index data, wherein the scoring result of the index data does not meet the preset condition and the scoring result of the index data does not meet the preset condition; and the transmitter 21 is used for pushing the first risk prompting information to the terminal equipment.
And acquiring at least one item of first index data of the annuity combination in the current period and scoring rules corresponding to the at least one item of first index data respectively through a receiver. Wherein the annuity portfolio can include multiple portfolios, each investment category in the annuity portfolio has a respective investment ratio, and different index data can exist for different portfolios. For example, the first index data may include an annuity combined excess rate of return, rate of return deviation, bond long term, credit worthiness difference, risk asset position deviation, etc., to which embodiments of the present application are not limited. The scoring rule corresponding to the first index data may be scoring the first index data according to a preset reference value, or may refer to an index data average value of similar investment categories in the market in a current period to score the first index data.
The acquisition of the at least one first index data of the annuity combination in the current period can be realized by setting a scoring timing task through a server so as to acquire the at least one first index data of the annuity combination in the timing period through timing. The embodiment of the application does not limit the timing period of the scoring timing task, for example, the timing period can be week, month, quarter, year, etc. Illustratively, the timing period is month, and at least one item of first index data in the last month is acquired in month No. 1, etc., which is only an example and not limited thereto.
And scoring the at least one item of first index data according to scoring rules respectively corresponding to the at least one item of first index data by the processor to obtain scoring results corresponding to the at least one item of first index data. The processor scores each first index data according to a scoring rule corresponding to the first index data, for example, the first index data is a rate of return, and the scoring rule of the rate of return can be a score of a combined annual gold rate according to a floating range of average rates of return of similar investments in the market in a current period. For example, the full score of the annual gold combination is set to be 10 points, if the rate of return is higher than the average rate of return by a preset proportion, the rate of return may be 10 points, if the rate of return is lower than the average rate of return by a preset proportion, the rate of return may be set to be 0 points, and if the rate of return is within the preset proportion of the average rate of return, the rate of return may be determined by a value of the rate of return specifically higher than or lower than the average rate of return. The embodiment of the present application is merely taken as an example, and is not limited thereto.
And scoring the at least one item of first index data according to scoring rules respectively corresponding to the at least one item of first index data through the processor, so that scoring results of each item of first index data can be obtained, and the scoring results are used for representing the annual fee combination health degree. The embodiment of the application does not limit the form of the scoring result, for example, the scoring result of each first index data can be represented by a specific score, or the scoring result of each first index data can be represented by a grade. For example: the scoring result corresponding to each first index data adopts a percentile, and a grade standard for constructing the scoring result can be set, for example, the score is set to be less than 60 and is greater than or equal to 60 and less than 70 and is set to be a serious warning grade, the score is set to be greater than or equal to 60 and less than 70 and is set to be a warning grade, the score is set to be greater than or equal to 70 and less than 80 and is set to be a safety grade, the score is set to be greater than or equal to 80 and less than 90 and is set to be a good grade, and the score is set to be greater than or equal to 90 and is set to be an excellent grade. The embodiment of the present application is merely taken as an example, and is not limited thereto.
After obtaining the scoring result corresponding to the at least one first index data, the processor is further configured to generate first risk prompting information of the annuity combination. After obtaining the scoring result corresponding to the at least one first index data, the processor can judge whether the at least one first index data meets a preset condition, if the at least one first index data meets the preset condition, the processor waits for the next timing period, acquires the at least one first index data of the annuity combination in the next period of the current period, and scores the at least one first index data according to scoring rules respectively corresponding to the at least one first index data until index data which does not meet the preset condition exists in the at least one first index data.
The embodiment of the present application does not limit the conditions of the preset conditions, for example, the preset conditions are that the grade of the scoring result is a safety grade, a good grade or an excellent grade, or the preset conditions are that the scoring result is higher than 60 points, etc., which is only an example. In one possible implementation manner, the index data that does not meet the preset condition is index data in which the scoring result in the at least one first index data is smaller than the preset scoring result. The preset scoring result may be 60 points.
If the index data which does not meet the preset conditions exist in the at least one item of first index data, the processor generates first risk prompt information of the annuity combination, wherein the first risk prompt information comprises: and scoring results of index data of which the scoring results do not meet the preset condition and index data of which the scoring results do not meet the preset condition in the at least one first index data.
The embodiment of the application does not limit the specific implementation mode of generating the first risk prompt information of the annuity combination by the processor. In a possible implementation manner, before the processor generates the first risk prompt information of the annuity combination, acquiring a risk prompt template corresponding to index data which does not meet a preset condition through the receiver; correspondingly, the processor generates first risk prompt information of the annuity combination, which comprises the following steps: the processor writes the index data which does not meet the preset condition and the grading result of the index data which does not meet the preset condition into the risk prompt template to generate first risk prompt information.
The index data of which the scoring result does not meet the preset condition in the at least one first index data may be one index data or may be a plurality of index data, which is not limited in the embodiment of the present application. In one possible implementation manner, if the index data which does not meet the preset condition is index data, acquiring a risk prompting template corresponding to the index data, and writing the index data and the grading result of the index data into the risk prompting template corresponding to the index data to generate first risk prompting information. In another possible implementation manner, if the index data that does not meet the preset condition is a plurality of index data, the receiver may be used to obtain risk prompt templates corresponding to the plurality of index data respectively, and score results of the plurality of index data and the plurality of index data are written into the risk prompt templates corresponding to each index data respectively, or the receiver may be used to obtain risk prompt templates corresponding to the plurality of index data, where the risk prompt templates include filling positions of the plurality of index data, and score results corresponding to the plurality of index data and the plurality of index data are written into the risk prompt templates, so as to generate the first risk prompt information. The embodiment of the present application is merely taken as an example, and is not limited thereto.
In the embodiment of the application, by respectively corresponding each index data to one risk prompting template and writing the index data which does not meet the preset condition and the grading result of the index data which does not meet the preset condition into the risk prompting template, different risk prompting information is generated aiming at different index data, and the personalized requirement of the risk prompting information is further met.
After the first risk prompt information is generated through the processor, the server pushes the first risk prompt information to the terminal equipment through the transmitter. In a possible implementation manner, the association address may include a mobile phone number, a mailbox address, a micro signal, a QQ number, etc., for example, the association address may be a mobile phone number, a mailbox address, a micro signal, a QQ number, etc. of an investment manager of the annuity combination, and then the first risk prompt information is sent to the terminal device through the association address. The manner in which the server pushes the first risk prompting information to the terminal device through the sender may be, for example, that the first risk prompting information is pushed through a push message, a mail, a WeChat message, a QQ message, or the like. In the following, taking a terminal device as a mobile phone as an example, fig. 3 to fig. 4 are schematic interface diagrams of the terminal device according to the embodiment of the present application, as shown in fig. 3, the terminal device receives a push message of a first risk prompting message sent by a server through a sender, after a user clicks the push message, as shown in fig. 4, the terminal device displays content of the first risk prompting message, where the embodiment of the present application does not limit a content form included in the first risk prompting message, for example, as shown in fig. 4, and the embodiment of the present application is only limited to this example, but not limited to this.
According to the embodiment of the application, the risk prompt information of the annuity combination is generated according to the scoring result corresponding to the at least one first index data, the risk prompt information comprises index data which does not meet the preset condition and the scoring result of the index data which does not meet the preset condition, the reliability of the risk prompt information can be improved, and finally the risk prompt information is pushed to the terminal equipment, so that the generation and the transmission of the risk prompt information are realized, and the processing efficiency of the risk prompt information is improved.
After the investment manager of the annuity combination receives the risk prompt information through the terminal device, the operations such as reason analysis and correction scheme determination can be performed for the risk prompt information, and the indication information of the first risk prompt information is sent to the server.
The investment manager may send the indication information to the server through the terminal device, where the indication information may include an improvement scheme of the annuity combination, and the embodiment of the present application does not limit a specific scheme of the improvement scheme, for example, may adjust an investment proportion of different types of investment items in the annuity combination or add or delete at least one investment item in the annuity combination, which is only an example.
The server can analyze the indication information through the processor, determine a specific mode for adjusting the annuity combination, and adjust the annuity combination according to the indication information to obtain the adjusted annuity combination. In the next period of the current period, the adjusted annuity combination is adopted to operate, and the index data level second index data of the annuity combination in the next period of the current period may be different from the first index data, and further, the scoring rules respectively corresponding to the second index data are also different, so that the scoring rules respectively corresponding to at least one item of second index data of the annuity combination after adjustment also need to be determined. Optionally, after parsing the indication information, the server may also store the parsed indication information in a database, so as to facilitate subsequent data analysis.
In the embodiment of the application, after the server sends the first risk prompt information to the terminal equipment through the transmitter, the server receives the indication information sent by the terminal equipment, analyzes the indication information, and adjusts the annuity combination according to the indication information so as to obtain the grading rule of the index data of the annuity combination in the next period after adjustment, thereby realizing the adjustment of the annuity combination and the grading rule.
And after the annuity combination is adjusted, generating second risk prompt information according to the scoring rule and at least one item of second index data which are respectively corresponding to the second index data. In one possible implementation manner, the annuity combined risk management system provided by the embodiment of the application:
the receiver is also used for acquiring at least one item of second index data of the annuity combination; the processor is further used for scoring the at least one item of second index data through scoring rules respectively corresponding to the at least one item of second index data to obtain scoring results corresponding to the at least one item of second index data; if the scoring result of at least one item of second index data does not meet the preset condition, generating second risk prompting information; the transmitter is also used for transmitting second risk prompt information to the terminal equipment.
The embodiment of the present application does not need to describe the generation of the second risk prompting information according to the second index data of the current period, and specifically, reference may be made to the implementation manner of generating the first risk prompting information by the server according to the first index data of the current period in the above embodiment. The actual effect of the corrective measure on the annuity combination is followed in real time by the processing of the second index data. The difference between the first risk prompting message and the second risk prompting message is that, before the server generates the second risk prompting message, in a possible implementation manner, the annuity combined risk management system provided by the embodiment of the application is further used by the processor: judging whether the first total score of the scoring result corresponding to the at least one piece of second index data is higher than the second total score of the scoring result corresponding to the at least one piece of first index data; if the first total score is not higher than the second total score, the server acquires a comparison result of the scoring result of at least one item of second index data and the scoring result of at least one item of first index data; and writing the comparison result into the second risk prompt information.
For comparison, the first total score and the second total score adopt the same full score, and the embodiment of the application does not limit the calculation mode of the first total score, for example, the calculation mode of weighted summation of the score results corresponding to each piece of second index data, and the calculation mode of the second total score is similar to the calculation mode of the first total score. If the first total score is not higher than the second total score, the adjustment mode of the annuity combination does not achieve the ideal effect, and a comparison result of the scoring result of at least one piece of second index data and the scoring result of at least one piece of first index data is required to be fed back to the user, so that the user can further analyze and adjust the annuity combination according to the comparison result.
In the embodiment of the application, before the second risk prompt information is generated, the first total score corresponding to the second index data and the second total score corresponding to the second index data are judged, whether the comparison result of the score result of at least one item of second index data and the score result of at least one item of first index data is obtained or not is judged according to the first total score and the second total score, and then the comparison result is written into the risk prompt information, so that the reliability of the risk prompt information is further improved.
In another possible implementation manner, before generating the second risk prompting information, the annuity combined risk management system provided by the embodiment of the present application is further configured to:
if the scoring result of the second index data is not higher than the scoring result of the first index data corresponding to the second index data, the server acquires the comparison result of the scoring result of at least one item of second index data and the scoring result of at least one item of first index data, and the comparison result is written into the second risk prompt information.
In the embodiment of the application, by comparing the scoring result of the second index data with the scoring result of the first index data under the same index data, if the scoring result of the second index data is not higher than the scoring result of the first index data corresponding to the index data, the matching result of the annual gold combination under the index data is not ideal, and the scoring result of the second index data and the scoring result of the first index data need to be fed back to the user, or the comparison result of the scoring result of at least one second index data and the scoring result of at least one first index data need to be fed back to the user.
In summary, first, according to the embodiment of the application, the server automatically generates and pushes the risk prompt information to the terminal equipment, the annual gold combination health degree is processed in a systematic, online, regularized and flow manner, and the risk prompt information is generated and pushed according to the annual gold combination health degree, so that the manual workload is released, and the accuracy and the comprehensiveness of annual gold combination health degree risk identification are greatly improved. The server digitizes corresponding correction measures in prompt information received from the terminal equipment, and timely follows the actual benefits of the updated annuity combination, and the whole process closed loop tracking management risk prompt is released, so that the combination investment supervision risk is effectively managed and controlled, and the capital investment benefits are ensured.
For ease of understanding, in a possible implementation, fig. 5 is a schematic structural diagram of an annuity combined risk management system according to another embodiment of the present application, as shown in fig. 5, after the annuity combined risk management system starts to perform annuity combined health degree automatic scoring first, where the annuity combined health degree automatic scoring may be implemented by setting an annuity combined scoring rule, setting an annuity combined scoring timing task, and constructing an annuity combined health degree system, the system automatically detects an annuity combined scoring result at regular time, where the scoring result may be represented by the constructed annuity combined health degree system, and the scoring result may include five levels, such as an excellent level, a good level, a security level, a warning level, and a serious warning level. The system stores the scoring result of the combined health degree and judges whether the combined health degree is in the warning grade or the serious warning grade, if not, the system waits for the next period to automatically detect the annuity combined health degree; if the risk prompt information is in the warning level or the serious warning level, the risk prompt information is automatically generated and issued. In the process of generating the risk prompt information, the system firstly detects abnormal index data, then can automatically generate a seal function according to a risk prompt template corresponding to the abnormal index data so as to realize the automatic generation of the risk prompt function by the system, and automatically sends the risk prompt function to the receiver address of the manager by automatically identifying the receiver address, such as a mail address, a micro-signal number, a mobile phone number and the like, of the manager. After receiving the risk prompt letter, the manager can reply to the correction scheme according to the template, the system analyzes and stores the correction scheme to the database, judges whether the risk is relieved, if so, waits for the lower-stage system to automatically detect the annuity combination health degree, and if not, obtains the comparison result in the mode in the embodiment and writes the comparison result into the second risk prompt message, and focuses on the annuity combination and waits for the lower-stage system to automatically detect the annuity combination health degree.
The following methods, servers, devices, computer readable storage media and computer program products for annuity combined risk management according to the embodiments of the present application may refer to the annuity combined risk management system according to the embodiments of the present application for content and effects, and are not described in detail. For convenience of description, fig. 6 is a flow chart of an annuity combined risk management method according to an embodiment of the present application, and as shown in fig. 6, the annuity combined risk management method according to the embodiment of the present application may include:
step S101: and obtaining at least one first index data of the annuity combination in the current period and scoring rules corresponding to the at least one first index data respectively.
Step S102: and scoring the at least one item of first index data according to scoring rules respectively corresponding to the at least one item of first index data to obtain scoring results corresponding to the at least one item of first index data.
Step S103: and generating first risk prompt information of the annuity combination.
Step S104: and pushing first risk prompt information to the terminal equipment.
According to the embodiment of the application, the server generates the annuity combined risk prompt information according to the scoring result corresponding to the at least one first index data, the risk prompt information comprises index data which does not meet the preset condition and scoring results of the index data which does not meet the preset condition, the reliability of the risk prompt information can be improved, and finally the risk prompt information is pushed to the terminal equipment, so that the generation and the transmission of the risk prompt information are realized, and the processing efficiency of the risk prompt information is improved.
After the investment manager of the annuity combination receives the risk prompt information through the terminal device, operations such as cause analysis and determination of a rectification scheme need to be performed for the risk prompt information, and indication information of the first risk prompt information is sent to the server, based on which, in a possible implementation manner, fig. 7 is a flow chart of an annuity combination risk management method provided by another embodiment of the present application, as shown in fig. 7, the annuity combination risk management method provided by the embodiment of the present application may include:
step S201: the server receives the indication information sent by the terminal equipment.
Step S202: and the server adjusts the annuity combination according to the indication information to obtain scoring rules respectively corresponding to at least one item of second index data of the annuity combination after adjustment.
In the embodiment of the application, after the server sends the first risk prompt information to the terminal equipment, the server receives the indication information sent by the terminal equipment, analyzes the indication information, and adjusts the annuity combination according to the indication information to obtain the grading rule of the index data of the annuity combination in the next period after adjustment, thereby realizing the adjustment of the annuity combination and the grading rule.
In a possible implementation manner, the annuity combined risk management method provided by the embodiment of the application further includes:
the server acquires at least one item of second index data of the annuity combination; the server scores the at least one item of second index data through the scoring rule corresponding to the at least one item of second index data respectively to obtain a scoring result corresponding to the at least one item of second index data; if the scoring result of at least one item of second index data does not meet the preset condition, the server generates second risk prompting information; and the server sends second risk prompt information to the terminal equipment.
Before the server generates the second risk prompting message, in a possible implementation manner, the annuity combined risk management method provided by the embodiment of the application may further include:
the server judges whether the first total score of the scoring result corresponding to the at least one piece of second index data is higher than the second total score of the scoring result corresponding to the at least one piece of first index data; if the first total score is not higher than the second total score, the server acquires a comparison result of the scoring result of at least one item of second index data and the scoring result of at least one item of first index data; the server generates second risk prompt information, including: and the server writes the comparison result into the second risk prompt information.
In another possible implementation manner, before the server generates the second risk prompting information, the annuity combined risk management method provided by the embodiment of the present application may further include:
if the scoring result of the second index data is not higher than the scoring result of the first index data corresponding to the second index data, the server acquires the comparison result of the scoring result of at least one item of second index data and the scoring result of at least one item of first index data; the server generates second risk prompt information, including: and the server writes the comparison result into the second risk prompt information.
Fig. 8 is a schematic structural diagram of an annuity combined risk management device according to an embodiment of the present application, where the device may be implemented in software and/or hardware, and as shown in fig. 8, the annuity combined risk management device according to an embodiment of the present application may include:
the obtaining module 61 is configured to obtain at least one first index data of the annuity combination in the current period, and scoring rules corresponding to the at least one first index data respectively; the processing module 62 is configured to score at least one item of first index data according to a scoring rule corresponding to the at least one item of first index data, so as to obtain a scoring result corresponding to the at least one item of first index data; the generating module 63 is configured to generate first risk prompt information of the annuity combination, where the first risk prompt information includes: at least one item of index data, wherein the scoring result of the index data does not meet the preset condition and the scoring result of the index data does not meet the preset condition; and the pushing module 64 is configured to push the first risk prompting information to the terminal device.
In a possible implementation manner, the obtaining module 61 is further configured to: acquiring a risk prompt template corresponding to index data which does not meet preset conditions; correspondingly, the generating module 63 is specifically configured to: and writing the index data which do not meet the preset conditions and the grading result of the index data which do not meet the preset conditions into a risk prompt template to generate first risk prompt information.
On the basis of the foregoing embodiment, in a possible implementation manner, fig. 9 is a schematic structural diagram of an annuity combined risk management device according to another embodiment of the present application, where, as shown in fig. 9, the annuity combined risk management device according to the embodiment of the present application may further include:
a receiving module 65, configured to receive indication information sent by a terminal device; the adjustment module 66 is configured to adjust the annuity combination according to the indication information, so as to obtain scoring rules corresponding to at least one item of second index data of the annuity combination after adjustment, where the second index data is index data of the annuity combination in a next period of the current period.
In a possible implementation manner, the annuity combination risk management device provided by the embodiment of the present application, the obtaining module 61 is further configured to obtain at least one second index data of an annuity combination; the processing module 62 is further configured to score the at least one second index data according to a scoring rule corresponding to the at least one second index data, so as to obtain a scoring result corresponding to the at least one second index data; the generating module 63 is further configured to generate second risk prompting information if the scoring result of the at least one second index data does not meet the preset condition; the sending module 64 is further configured to send a second risk prompting message to the terminal device.
In a possible implementation manner, the annuity combined risk management device provided by the embodiment of the present application further includes a determining module 67.
A judging module 67, configured to judge whether a first total score of the scoring results corresponding to the at least one second index data is higher than a second total score of the scoring results corresponding to the at least one first index data; the obtaining module 61 is further configured to obtain a comparison result of the scoring result of the at least one second index data and the scoring result of the at least one first index data if the first total score is not higher than the second total score; the generating module 63 is specifically configured to: and writing the comparison result into the second risk prompt information.
In a possible implementation manner, the obtaining module 61 is further configured to: if the scoring result of the second index data is not higher than the scoring result of the first index data corresponding to the second index data, the comparison result of the scoring result of at least one item of second index data and the scoring result of at least one item of first index data is obtained; the generating module 63 is further configured to: and writing the comparison result into the second risk prompt information.
In one possible embodiment, the index data that does not satisfy the preset condition is index data whose scoring result is smaller than the preset scoring result.
The embodiment of the apparatus provided in the present application is merely illustrative, and the module division in fig. 8 and 9 is merely a logic function division, and there may be another division manner in actual implementation. For example, multiple modules may be combined or may be integrated into another system. The coupling of the individual modules to each other may be achieved by means of interfaces which are typically electrical communication interfaces, but it is not excluded that they may be mechanical interfaces or other forms of interfaces. Thus, the modules illustrated as separate components may or may not be physically separate, may be located in one place, or may be distributed in different locations on the same or different devices.
In addition, the embodiment of the application further provides a computer-readable storage medium, wherein computer-executable instructions are stored in the computer-readable storage medium, and when at least one processor of the user equipment executes the computer-executable instructions, the user equipment executes the various possible methods.
Among them, computer-readable media include computer storage media and communication media including any medium that facilitates transfer of a computer program from one place to another. A storage media may be any available media that can be accessed by a general purpose or special purpose computer. An exemplary storage medium is coupled to the processor such the processor can read information from, and write information to, the storage medium. In the alternative, the storage medium may be integral to the processor. The processor and the storage medium may reside in an ASIC. In addition, the ASIC may reside in a user device. The processor and the storage medium may reside as discrete components in a communication device.
Those of ordinary skill in the art will appreciate that: all or part of the steps for implementing the method embodiments described above may be performed by hardware associated with program instructions. The foregoing program may be stored in a computer readable storage medium. The program, when executed, performs steps including the method embodiments described above; and the aforementioned storage medium includes: various media that can store program code, such as ROM, RAM, magnetic or optical disks.
Finally, it should be noted that: the above embodiments are only for illustrating the technical solution of the present application, and not for limiting the same; although the application has been described in detail with reference to the foregoing embodiments, it will be understood by those of ordinary skill in the art that: the technical scheme described in the foregoing embodiments can be modified or some or all of the technical features thereof can be replaced by equivalents; such modifications and substitutions do not depart from the spirit of the application.
Claims (7)
1. An annuity combined risk management system, comprising a transmitter, a receiver and a processor, wherein the transmitter and the receiver are respectively connected with the processor;
The receiver is used for acquiring at least one item of first index data of the annuity combination in the current period and scoring rules respectively corresponding to the at least one item of first index data;
the processor is used for scoring the at least one item of first index data according to scoring rules respectively corresponding to the at least one item of first index data to obtain scoring results corresponding to the at least one item of first index data; the scoring results are used to represent annuity combined health;
the processor is further configured to generate first risk prompt information of the annuity combination, where the first risk prompt information includes: the scoring result in the at least one item of first index data does not meet the index data of the preset condition and the scoring result of the index data not meeting the preset condition;
the transmitter is used for pushing the first risk prompt information to the terminal equipment;
the receiver is further configured to receive indication information sent by the terminal device;
the processor is further configured to adjust the annuity combination according to the indication information, so as to obtain scoring rules corresponding to at least one item of second index data of the annuity combination after adjustment, where the second index data is index data of the annuity combination in a next period of the current period;
The receiver is further configured to obtain the at least one second index data of the annuity combination;
the processor is further configured to: scoring the at least one item of second index data according to scoring rules respectively corresponding to the at least one item of second index data to obtain scoring results corresponding to the at least one item of second index data; if the scoring result of the at least one item of second index data does not meet the preset condition, generating second risk prompting information;
the transmitter is further configured to send the second risk prompting information to the terminal device;
the processor is further configured to determine whether a first total score of the scoring results corresponding to the at least one second indicator data is higher than a second total score of the scoring results corresponding to the at least one first indicator data;
if the first total score is not higher than the second total score, obtaining a comparison result of the scoring result of the at least one item of second index data and the scoring result of the at least one item of first index data; and writing the comparison result into the second risk prompt information.
2. The system of claim 1, wherein the system further comprises a controller configured to control the controller,
the receiver is further configured to obtain a risk prompting template corresponding to the index data that does not meet a preset condition;
Correspondingly, the processor is specifically configured to:
and writing the index data which does not meet the preset condition and the grading result of the index data which does not meet the preset condition into the risk prompt template to generate the first risk prompt information.
3. The system of claim 1, wherein the system further comprises a controller configured to control the controller,
the processor is further configured to obtain a comparison result of the scoring result of the at least one second index data and the scoring result of the at least one first index data if the scoring result of the second index data is not higher than the scoring result of the first index data corresponding to the second index data; and writing the comparison result into the second risk prompt information.
4. The system according to claim 1 or 2, wherein,
the index data which do not meet the preset condition are index data, wherein the scoring result in the at least one first index data is smaller than the preset scoring result.
5. A method for annuity combined risk management, comprising:
the method comprises the steps that a server obtains at least one item of first index data of annuity combination in a current period and scoring rules respectively corresponding to the at least one item of first index data;
The server scores the at least one item of first index data according to scoring rules respectively corresponding to the at least one item of first index data to obtain scoring results corresponding to the at least one item of first index data;
the server generates first risk prompt information of the annuity combination, wherein the first risk prompt information comprises: the scoring result in the at least one item of first index data does not meet the index data of the preset condition and the scoring result of the index data not meeting the preset condition; the scoring results are used to represent annuity combined health;
the server pushes the first risk prompt information to terminal equipment;
the server receives the indication information sent by the terminal equipment; adjusting the annuity combination according to the indication information to obtain scoring rules respectively corresponding to at least one item of second index data of the annuity combination after adjustment, wherein the second index data is index data of the annuity combination in the next period of the current period;
the server acquires the at least one second index data of the annuity combination; scoring the at least one item of second index data according to scoring rules respectively corresponding to the at least one item of second index data to obtain scoring results corresponding to the at least one item of second index data; if the scoring result of the at least one item of second index data does not meet the preset condition, generating second risk prompting information;
The server pushes the second risk prompt information to the terminal equipment;
the server judges whether the first total score of the scoring result corresponding to the at least one piece of second index data is higher than the second total score of the scoring result corresponding to the at least one piece of first index data; if the first total score is not higher than the second total score, obtaining a comparison result of the scoring result of the at least one item of second index data and the scoring result of the at least one item of first index data; and writing the comparison result into the second risk prompt information.
6. A server comprising an annuity combined risk management system according to any of claims 1-4.
7. A non-transitory computer readable storage medium storing computer instructions for causing the computer to perform the method recited in claim 5.
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