CN111798322A - Data processing method and device for bank financing product - Google Patents
Data processing method and device for bank financing product Download PDFInfo
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- CN111798322A CN111798322A CN202010608853.9A CN202010608853A CN111798322A CN 111798322 A CN111798322 A CN 111798322A CN 202010608853 A CN202010608853 A CN 202010608853A CN 111798322 A CN111798322 A CN 111798322A
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Abstract
The invention provides a data processing method and a device for bank financing products, wherein the method comprises the following steps: acquiring report data of financial products from an outsourced valuation server; calculating a first early warning index of the financial product according to the report data of the financial product; and obtaining a risk evaluation result of the financial product according to the first early warning index of the financial product and the corresponding first threshold value. The device is used for executing the method. The data processing method and device for the bank financing product provided by the embodiment of the invention improve the risk assessment efficiency of the financing product.
Description
Technical Field
The invention relates to the technical field of data processing, in particular to a data processing method and device for bank financing products.
Background
Along with the coming out of the new resource management regulations, the resource management products should be subjected to net value management, and higher requirements are put forward on the professionalism and the standardability of the background operation of the resource management products.
At present, business institutions of medium and small banks are imperfect, and the business institutions cannot complete the net worth management of the resource management products, so that outsourced valuation institutions are entrusted with the net worth management of the financing products, and the management of the financing products depends on the outsourced valuation institutions and professional valuation personnel. When the operation condition of the financial product is evaluated, the account balance needs to be manually inquired from the hosting mechanism and the report data needs to be acquired from the outsourcing valuation mechanism, and then index calculation is carried out.
Disclosure of Invention
Aiming at the problems in the prior art, the embodiment of the invention provides a data processing method and a data processing device for bank financial products, which can at least partially solve the problems in the prior art.
On one hand, the invention provides a data processing method of a bank financing product, which comprises the following steps:
acquiring report data of financial products from an outsourced valuation server;
calculating a first early warning index of the financial product according to the report data of the financial product;
and obtaining a risk evaluation result of the financial product according to the first early warning index of the financial product and the corresponding first threshold value.
In another aspect, the present invention provides a data processing apparatus for a bank financing product, comprising:
the acquisition unit is used for acquiring report data of the financial product from the outsourced valuation server;
the first calculation unit is used for calculating a first early warning index of the financial product according to the report data of the financial product;
and the evaluation unit is used for obtaining a risk evaluation result of the financial product according to the first early warning index of the financial product and the corresponding first threshold value.
In another aspect, the present invention provides an electronic device, which includes a memory, a processor and a computer program stored in the memory and executable on the processor, wherein the processor executes the computer program to implement the steps of the data processing method of the bank financial product according to any one of the above embodiments.
In still another aspect, the present invention provides a computer-readable storage medium having stored thereon a computer program which, when executed by a processor, implements the steps of the data processing method of a banking product according to any one of the above embodiments.
According to the data processing method and device for the bank financing product, provided by the embodiment of the invention, the report data of the financing product is obtained from the outsourced valuation server, the first early warning index of the financing product is calculated according to the report data of the financing product, the risk assessment result of the financing product is obtained according to the first early warning index of the financing product and the corresponding first threshold, the calculation of the first early warning index can be automatically completed, the risk of the financing product is assessed, and the risk assessment efficiency of the financing product is improved.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to the drawings without creative efforts. In the drawings:
fig. 1 is a schematic structural diagram of a data processing system of a bank financial product according to an embodiment of the present invention.
Fig. 2 is a flow chart illustrating a data processing method of a bank financial product according to an embodiment of the present invention.
Fig. 3 is a flow chart illustrating a data processing method for a bank financial product according to another embodiment of the present invention.
Fig. 4 is a schematic structural diagram of a financial product management server according to an embodiment of the present invention.
Fig. 5 is a schematic structural diagram of a data processing device of a bank financial product according to an embodiment of the present invention.
Fig. 6 is a schematic structural diagram of a data processing device of a bank financial product according to another embodiment of the present invention.
Fig. 7 is a schematic structural diagram of a data processing device of a bank financial product according to yet another embodiment of the present invention.
Fig. 8 is a schematic physical structure diagram of an electronic device according to an embodiment of the present invention.
Detailed Description
In order to make the objects, technical solutions and advantages of the embodiments of the present invention more apparent, the embodiments of the present invention are further described in detail below with reference to the accompanying drawings. The exemplary embodiments and descriptions of the present invention are provided to explain the present invention, but not to limit the present invention. It should be noted that the embodiments and features of the embodiments in the present application may be arbitrarily combined with each other without conflict.
In order to facilitate understanding of the technical solutions provided in the present application, the following first describes relevant contents of the technical solutions in the present application. The distribution of the outlets of the medium and small banks is wide, the scale of the financing products is large, but because the medium and small bank business mechanisms are imperfect and unprofessional, an outsourcing valuation mechanism needs to be entrusted to carry out net value management on the financing products, and a third party can be entrusted to carry out asset hosting on the financing products.
Fig. 1 is a schematic structural diagram of a data processing system of a bank financial product according to an embodiment of the present invention, and as shown in fig. 1, the data processing system of a bank financial product according to an embodiment of the present invention includes a financial product management server 1, an asset hosting server 2, and an outsource valuation server 3, where:
the financial product management server 1 is respectively in communication connection with the asset hosting server 2 and the outsourced valuation server 3, and the financial product management server 1 can call an API (application program interface) of the asset hosting server 2 to realize account balance inquiry of financial products. The financial product management server 1 can call the API of the outsourced valuation server 3 to realize the query of the report data of the financial product.
The data processing system of the bank financing product provided by the embodiment of the invention realizes the account balance inquiry and the report data inquiry of the financing product through the API interface, and improves the inquiry efficiency of the relevant data of the financing product compared with the communication inquiry depending on an offline mail in the prior art.
The implementation process of the data processing method for bank financing products provided by the embodiment of the invention is described below by taking a financing product management server as an execution main body.
Fig. 2 is a schematic flow chart of a data processing method for a bank financial product according to an embodiment of the present invention, and as shown in fig. 2, the data processing method for a bank financial product according to the embodiment of the present invention includes:
s201, acquiring report data of a financing product from an outsourced valuation server;
specifically, the financial product management server may send a request for acquiring report data of the financial product to the outsourced valuation server, and the outsourced valuation server may return the report data of the financial product to the financial product management server. The report data of the financial product may include an estimation table, a subject balance table, an asset liability table, a profit table, and the like, and is set according to actual needs.
S202, calculating a first early warning index of the financial product according to the report data of the financial product;
specifically, after the financial product management server obtains the report data of the financial product, the financial product management server may obtain related data from the report data of the financial product, and calculate a first early warning index of the financial product. The first early warning index may be a ratio index, such as a net worth ratio, an asset ratio, or the like. The first early warning index is set according to actual needs, and the embodiment of the invention is not limited.
For example, the financial product a includes bank deposits, bonds and stocks, and the net value of the bank deposits can be calculated to be the ratio of the net value of the bank deposits to the total net value of the financial product a, the net value ratio of the bank deposits can be obtained, the net value ratio of the bonds can be calculated to be the ratio of the net value of the bonds to the total net value of the financial product a, the net value ratio of the bonds can be obtained, and the net value ratio of the stocks can be calculated to be the ratio of the net value of the stocks to the total net value of the financial product a, and the net value ratio of the stocks can be obtained. If there are more than one stocks invested in the financing product A, the net value ratio of each stock can also be calculated.
S203, obtaining a risk assessment result of the financial product according to the first early warning index of the financial product and the corresponding first threshold value.
Specifically, after calculating and obtaining a first early warning index of the financial product, the financial product management server compares the first early warning index of the financial product with a first threshold corresponding to the first early warning index, and if the first early warning index is not matched with the first threshold corresponding to the first early warning index, the risk assessment result of the financial product is that a risk exists, and early warning information can be sent to a manager in a manner of short messages, system messages and the like. And if the first early warning index is matched with the first threshold corresponding to the first early warning index, the risk assessment result of the financial product is safe, and the risk assessment result of the financial product can be stored. The first threshold corresponding to the first early warning indicator is set according to actual needs, and the embodiment of the invention is not limited.
For example, financing product A sets the net stock value to be no more than 80% of the total net value of financing product A, and sets the net bank credit value to be no less than 10% of the total net value of financing product A. The first early warning index of the financing product A is the net stock value ratio and the net bank deposit value ratio, when the net stock value ratio is calculated to be greater than 80%, the net stock value ratio is not matched with the corresponding first threshold value of 80%, and the risk assessment result of the financing product A is that the risk exists. And when the bank deposit net ratio is calculated to be lower than 10%, the bank deposit net ratio is not matched with the corresponding first threshold value of 10%, and the risk evaluation result of the financial product A is the existence of the risk.
According to the data processing method of the bank financing product provided by the embodiment of the invention, the report data of the financing product is obtained from the outsourced valuation server, the first early warning index of the financing product is calculated according to the report data of the financing product, the risk assessment result of the financing product is obtained according to the first early warning index of the financing product and the corresponding first threshold value, the calculation of the first early warning index can be automatically completed, the risk of the financing product is assessed, and the risk assessment efficiency of the financing product is improved. In addition, report data can be obtained from the outsourcing valuation server on line, an off-line mail is not required, and the data obtaining efficiency of the financial product is improved.
On the basis of the foregoing embodiments, further, the obtaining a risk assessment result of a financial product according to a first early warning indicator of the financial product and a corresponding first threshold value includes:
and if the first early warning index of the financial product is judged to be not matched with the corresponding first threshold value, early warning is carried out on the financial product.
Specifically, after the first early warning index of the financial product is obtained through calculation, the financial product management server compares the first early warning index of the financial product with a first threshold corresponding to the first early warning index, if the first early warning index is not matched with the first threshold corresponding to the first early warning index, the risk assessment result of the financial product is that a risk exists, and early warning information can be sent to a manager through short messages, system messages and the like, so that early warning of the financial product is achieved.
On the basis of the above embodiments, further, the data processing method for bank financing products provided by the embodiment of the present invention further includes:
and calculating the share of the investment products of the financial products according to the report data of the financial products.
Specifically, after the financial product management server obtains the report data of the financial product, the related data of the financial product may be obtained from the report data of the financial product, and the share of the investment product of the financial product is calculated. Wherein the financial product comprises at least one investment product, and the investment product of the financial product comprises but is not limited to bank deposit, national bond, stock and other products.
For example, the financial product B includes 500 shares of stock B and 100 shares of financial product C, which is investment B in the evaluation table. The financial product C includes the number of stocks b of 300 and the total share of the financial product C of 300. The financial product management server may calculate the number of stocks B in the financial product B (the number of stocks B held by the financial product B + the number of stocks B held by the financial product C x the percentage of the financial product B holding the financial product C) 500+300x100/300 or 600.
Fig. 3 is a schematic flow chart of a data processing method for a bank financial product according to another embodiment of the present invention, and as shown in fig. 3, on the basis of the foregoing embodiments, further, the data processing method for a bank financial product according to the embodiment of the present invention further includes:
s301, obtaining a second early warning index from the report data of the financial product;
specifically, after the financial product management server obtains the report data of the financial product, a second early warning index can be obtained from the report data of the financial product. The second early warning index is set according to actual needs, and the embodiment of the invention is not limited.
For example, the unit net value of the financial product can be directly obtained from the estimation table as the second early warning index.
S302, if the second early warning index is judged to be smaller than the corresponding second threshold value, early warning is carried out on the financial product.
Specifically, after the second early warning index is obtained, the financial product management server compares the second early warning index with a second threshold corresponding to the second early warning index, if the second early warning index is smaller than the second threshold corresponding to the second early warning index, it is indicated that the corresponding financial product is at risk, and the financial product management server can send early warning information to a manager in a short message mode, a system message mode and the like, so as to realize early warning of the financial product. And setting a second threshold corresponding to the second early warning index according to actual needs, which is not limited in the embodiment of the invention.
For example, the financial product management server obtains the unit net value of the financial product D from the estimation table, then compares the unit net value of the financial product D with the unit net value loss stop value of the financial product D, if the unit net value of the financial product D is smaller than the unit net value loss stop value of the financial product D, it indicates that the financial product D is at risk, and may send a short message to a manager of the financial product D to prompt that the unit net value of the financial product D is smaller than the unit net value loss stop value of the financial product D. And the unit net value loss stopping value of the financial product D is a second threshold value corresponding to the unit net value of the financial product D.
Fig. 4 is a schematic structural diagram of a financial product management server according to an embodiment of the present invention, and as shown in fig. 4, the financial product management server according to the embodiment of the present invention includes a transaction module 11, a product module 12, a wind control module 13, a report module 14, and a system module 15, where:
the transaction module 11 is respectively connected with the product module 12, the wind control module 13, the report module 14 and the system module 15, the system module 15 is connected with the product module 12, and the wind control module 13 is respectively connected with the product module 12 and the report module 14.
The transaction module 11 is used for implementing instruction submission and rechecking, and system management personnel can designate a financial product through the transaction module 1 and recheck through adding an instruction newly through the transaction module and according to a set rechecking flow. After the instruction is reviewed, the transaction module 11 submits the instruction to the asset hosting server 2 and outsource valuation server 3 using the private key cryptographic API interface. The instruction may be a buy instruction, a query instruction, a sell instruction, etc., and is set according to actual needs, which is not limited in the embodiments of the present invention.
The transaction module 11 is configured to perform instruction query, and the transaction module 11 may send a status query request to the asset hosting server 2 according to a product identifier and a date input by a system administrator, where the query request carries the product identifier and the date to query a processing status of an instruction corresponding to the product number and the date.
The transaction module 11 is configured to query a product fund balance, and the transaction module 11 may send a balance query request to the asset hosting server 2 according to a product identifier input by a system administrator, where the balance query request carries the product identifier to query a position balance of a hosting user corresponding to the product identifier.
The transaction module 11 is configured to query the product fund detail, and the transaction module 11 may send a detail query request to the asset hosting server 2 according to the product identifier, the date interval, and the account number input by the system administrator, where the detail query request carries the product identifier, the date interval, and the account number to query the fund generation detail.
The transaction module 11 is configured to obtain report data of the financial product, and the transaction module 11 may send a report data obtaining request of the financial product to the outsourcing evaluation server 3 to obtain report data of all financial products, and store the obtained report data in the report module 14. The transaction module 11 can count the total assets, total net worth, asset share and unit net worth of the financing product in the date interval to form a report according to the product identification and the date interval specified by the system administrator, and support the export of the report.
The trading module 11 is used for position taking of a financial product, and the trading module 11 can query and obtain the position taking scale of securities of a single or a plurality of financial products according to product identification, date, security type, security market and security code specified by system management personnel, for example, the corresponding relation between the financial product and an investment product is set, and the position taking share condition of the securities of the investment product can be queried. The trading module 11 can count the whole securities position of the financing product to form a report and support the export of the report.
The trading module 11 is used for updating the financial data and the report of the financial product, and the trading module 11 updates the financial data and the report of the financial product according to the product identification and the date interval specified by the system management personnel and the instruction issued by the system management personnel. The transaction module 11 will access the outsource valuation server 3 through the API interface to obtain the latest report data of the financial product and store the latest report data in the report module 14 so as to update the historical data of the financial product.
The wind control module 13 is used for calculating a first early warning index of a financial product, and obtaining a risk assessment result of the financial product according to the first early warning index of the financial product and a corresponding first threshold value. The system management personnel can set supervision elements of the financial products through the wind control module 13, and the supervision elements can comprise a first early warning index and a second early warning index. The wind control module 13 can judge that the first early warning index of the financial product is not matched with the corresponding first threshold value, and then early warn the financial product; and after judging that the second early warning index is smaller than the corresponding second threshold value, early warning can be carried out on the financial product. The wind control module 13 may obtain reporting data for the financial product from the reporting module 14.
The wind control module 13 may include a message center, and the message center stores risk assessment results and early warning information of financial products, so that system managers can conveniently know operation conditions and abnormalities of the products.
The reporting module 14 stores reporting data of financial products, which may include an assessment table, a subject balance table, an asset balance table, and a profit report, and supports downloading. Wherein, the report data of the financing product is obtained by inquiring the outsourced valuation server 3.
The system module 15 is used for maintaining organization information, and system managers can set authority for the accessed organizations and set organization system managers through the system module 15. The administrator of the organization system can set the roles of the organization through the system module 15, and customize different business functions for different roles. The mechanism system manager can add a mechanism manager user through the system module and assign the set role to the manager user. And system managers and organization managers can maintain security information and support batch text import. The security information maintained by the system administrator is visible to all institutions, and the security information maintained by the institution administrator is visible only to the institutions. Wherein the institution refers to a user who registers to use the financial product management server.
The product module 12 is used to maintain information about financial products and to support the derivation of product information. The system management personnel can set a product opening date and a product expiration date through the product module, and on the corresponding date, the product module 12 can actively remind the system management personnel through the message center of the wind control module 13. The system management personnel can set different instruction rechecking processes through the product module, and the transaction module 11 rechecks when the instruction is submitted, so that different wind control requirements are met.
The system management personnel can maintain information of each payment expense of the financial product through the product module 12, set a reminding period, and actively remind the system management personnel of paying the related expense through the message center of the wind control module 13 by the product module 12 when the payment expense is due.
System management personnel can maintain account information of financial products through the product module 12, and the account information can be used for submitting instructions or inquiring product fund details at the transaction module 11.
The system manager can upload and download the relevant files of the product according to different classifications through the product module 12 to acquire and arrange the service materials.
The system management personnel can maintain the corresponding relation between the financial product and the investment product through the product module 12, and the corresponding relation is used for the trading module 11 to calculate the scene of the position taking situation of the financial product without the self conversion of the system management personnel.
The financial product management server provided by the embodiment of the invention can process the related information of the financial product, and compared with the prior art that each time an administrator submits an instruction, the management server needs to fill in specific information through a mail and respectively sends the information to corresponding personnel of a trusteeship organization and an outsourcing organization, the processing efficiency of the related data of the financial product is improved. In addition, all can have the record through the processing procedure to the financing product, the operation record is saved in the electronization, is convenient for filing and looking up, improves the business security of financing product.
In the prior art, a manager needs to respectively inquire account balance from a hosting organization and acquire report data from an outsourcing organization. According to the financial product management server provided by the embodiment of the invention, a manager directly obtains the account balance and the report data through the financial product management server, so that the data obtaining efficiency is improved.
In the prior art, a manager needs to manually calculate related indexes to evaluate the operation condition of a financial product according to a latest estimation table every day, and if the manager is responsible for the management of a plurality of financial products, the time and energy needed to be spent are exponentially increased. The financial product management server provided by the embodiment of the invention can automatically calculate the first early warning index and automatically acquire the second early warning index, and a manager only needs to set the required first early warning index and the second early warning index, so that the working efficiency is improved.
Fig. 5 is a schematic structural diagram of a data processing apparatus for a bank financial product according to an embodiment of the present invention, and as shown in fig. 5, the data processing apparatus for a bank financial product according to an embodiment of the present invention includes an obtaining unit 501, a first calculating unit 502, and an evaluating unit 503, where:
the acquiring unit 501 is used for acquiring report data of the financial product from the outsourced valuation server; the first calculating unit 502 is used for calculating a first early warning index of the financial product according to the report data of the financial product; the evaluation unit 503 is configured to obtain a risk evaluation result of the financial product according to the first early warning indicator of the financial product and the corresponding first threshold.
Specifically, the obtaining unit 501 may send a report data obtaining request of a financial product to an outsourced valuation server, and the outsourced valuation server may return report data of the financial product to the financial product management server. The report data of the financial product may include an estimation table, a subject balance table, an asset liability table, a profit table, and the like, and is set according to actual needs.
After obtaining the report data of the financial product, the first calculating unit 502 may obtain related data from the report data of the financial product, and calculate a first early warning indicator of the financial product. The first early warning index may be a ratio index, such as a net worth ratio, an asset ratio, or the like. The first early warning index is set according to actual needs, and the embodiment of the invention is not limited.
After the first early warning index of the financial product is obtained through calculation, the evaluation unit 503 compares the first early warning index of the financial product with a first threshold corresponding to the first early warning index, and if the first early warning index is not matched with the first threshold corresponding to the first early warning index, the risk evaluation result of the financial product is that a risk exists, and early warning information can be sent to a manager in a manner of short message, system message, and the like. And if the first early warning index is matched with the first threshold corresponding to the first early warning index, the risk assessment result of the financial product is safe, and the risk assessment result of the financial product can be stored. The first threshold corresponding to the first early warning indicator is set according to actual needs, and the embodiment of the invention is not limited.
According to the data processing device of the bank financing product, provided by the embodiment of the invention, the report data of the financing product is obtained from the outsourced valuation server, the first early warning index of the financing product is calculated according to the report data of the financing product, the risk assessment result of the financing product is obtained according to the first early warning index of the financing product and the corresponding first threshold value, the calculation of the first early warning index can be automatically completed, the risk of the financing product is assessed, and the risk assessment efficiency of the financing product is improved. In addition, report data can be obtained from the outsourcing valuation server on line, an off-line mail is not required, and the data obtaining efficiency of the financial product is improved.
On the basis of the foregoing embodiments, further, the evaluation unit 503 is specifically configured to:
and after judging that the first early warning index of the financial product is not matched with the corresponding first threshold value, early warning the financial product.
Specifically, after a first early warning index of the financial product is obtained through calculation, the evaluation unit 503 compares the first early warning index of the financial product with a first threshold corresponding to the first early warning index, if the first early warning index is not matched with the first threshold corresponding to the first early warning index, the risk evaluation result of the financial product is that a risk exists, and the evaluation unit 503 may send early warning information to a manager in a manner of short message, system message, and the like, so as to realize early warning of the financial product.
Fig. 6 is a schematic structural diagram of a data processing apparatus for a bank financial product according to another embodiment of the present invention, and as shown in fig. 6, on the basis of the foregoing embodiments, the data processing apparatus for a bank financial product according to the embodiment of the present invention further includes:
the second calculating unit 504 is configured to calculate a share of the investment product of the financial product according to the report data of the financial product.
Specifically, after obtaining the report data of the financial product, the second calculating unit 504 may obtain the relevant data of the financial product from the report data of the financial product, and calculate the share of the investment product of the financial product. Wherein the financial product comprises at least one investment product, and the investment product of the financial product comprises but is not limited to bank deposit, national bond, stock and other products.
Fig. 7 is a schematic structural diagram of a data processing apparatus for a bank financial product according to another embodiment of the present invention, and as shown in fig. 7, on the basis of the foregoing embodiments, the data processing apparatus for a bank financial product according to the embodiment of the present invention further includes:
the obtaining unit 505 is configured to obtain a second early warning indicator from the report data of the financial product; the early warning unit 506 is configured to perform early warning on the financial product after determining that the second early warning indicator is smaller than the corresponding second threshold.
Specifically, after obtaining the report data of the financial product, the obtaining unit 505 may obtain a second early warning indicator from the report data of the financial product. The second early warning index is set according to actual needs, and the embodiment of the invention is not limited.
After the second early warning index is obtained, the early warning unit 506 may compare the second early warning index with a second threshold corresponding to the second early warning index, and if the second early warning index is smaller than the second threshold corresponding to the second early warning index, it is indicated that a corresponding financial product is at risk, and the financial product management server may send early warning information to a manager in a manner of short message, system message, or the like, so as to implement early warning on the financial product. And setting a second threshold corresponding to the second early warning index according to actual needs, which is not limited in the embodiment of the invention.
The embodiment of the apparatus provided in the embodiment of the present invention may be specifically configured to execute the processing flows of the above method embodiments, and the functions of the apparatus are not described herein again, and refer to the detailed description of the above method embodiments.
Fig. 8 is a schematic physical structure diagram of an electronic device according to an embodiment of the present invention, and as shown in fig. 8, the electronic device may include: a processor (processor)801, a communication Interface (Communications Interface)802, a memory (memory)803 and a communication bus 804, wherein the processor 801, the communication Interface 802 and the memory 803 complete communication with each other through the communication bus 804. The processor 801 may call logic instructions in the memory 803 to perform the following method: acquiring report data of financial products from an outsourced valuation server; calculating a first early warning index of the financial product according to the report data of the financial product; and obtaining a risk evaluation result of the financial product according to the first early warning index of the financial product and the corresponding first threshold value.
In addition, the logic instructions in the memory 803 may be implemented in the form of software functional units and stored in a computer readable storage medium when the logic instructions are sold or used as independent products. Based on such understanding, the technical solution of the present invention may be embodied in the form of a software product, which is stored in a storage medium and includes instructions for causing a computer device (which may be a personal computer, a server, or a network device) to execute all or part of the steps of the method according to the embodiments of the present invention. And the aforementioned storage medium includes: a U-disk, a removable hard disk, a Read-Only Memory (ROM), a Random Access Memory (RAM), a magnetic disk or an optical disk, and other various media capable of storing program codes.
The present embodiment discloses a computer program product comprising a computer program stored on a non-transitory computer readable storage medium, the computer program comprising program instructions which, when executed by a computer, enable the computer to perform the method provided by the above-mentioned method embodiments, for example, comprising: acquiring report data of financial products from an outsourced valuation server; calculating a first early warning index of the financial product according to the report data of the financial product; and obtaining a risk evaluation result of the financial product according to the first early warning index of the financial product and the corresponding first threshold value.
The present embodiment provides a computer-readable storage medium, which stores a computer program, where the computer program causes the computer to execute the method provided by the above method embodiments, for example, the method includes: acquiring report data of financial products from an outsourced valuation server; calculating a first early warning index of the financial product according to the report data of the financial product; and obtaining a risk evaluation result of the financial product according to the first early warning index of the financial product and the corresponding first threshold value.
As will be appreciated by one skilled in the art, embodiments of the present invention may be provided as a method, system, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.
The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
In the description herein, reference to the description of the terms "one embodiment," "a particular embodiment," "some embodiments," "for example," "an example," "a particular example," or "some examples," etc., means that a particular feature, structure, material, or characteristic described in connection with the embodiment or example is included in at least one embodiment or example of the invention. In this specification, the schematic representations of the terms used above do not necessarily refer to the same embodiment or example. Furthermore, the particular features, structures, materials, or characteristics described may be combined in any suitable manner in any one or more embodiments or examples.
The above-mentioned embodiments are intended to illustrate the objects, technical solutions and advantages of the present invention in further detail, and it should be understood that the above-mentioned embodiments are only exemplary embodiments of the present invention, and are not intended to limit the scope of the present invention, and any modifications, equivalent substitutions, improvements and the like made within the spirit and principle of the present invention should be included in the scope of the present invention.
Claims (10)
1. A data processing method for bank financing products is characterized by comprising the following steps:
acquiring report data of financial products from an outsourced valuation server;
calculating a first early warning index of the financial product according to the report data of the financial product;
and obtaining a risk evaluation result of the financial product according to the first early warning index of the financial product and the corresponding first threshold value.
2. The method of claim 1, wherein obtaining a risk assessment result for the financial product based on the first early warning indicator for the financial product and the corresponding first threshold comprises:
and if the first early warning index of the financial product is judged to be not matched with the corresponding first threshold value, early warning is carried out on the financial product.
3. The method of claim 1, further comprising:
and calculating the share of the investment products of the financial products according to the report data of the financial products.
4. The method of any of claims 1 to 3, further comprising:
acquiring a second early warning index from the report data of the financial product;
and if the second early warning index is judged to be smaller than the corresponding second threshold value, early warning is carried out on the financial product.
5. A data processing apparatus of a bank financing product, comprising:
the acquisition unit is used for acquiring report data of the financial product from the outsourced valuation server;
the first calculation unit is used for calculating a first early warning index of the financial product according to the report data of the financial product;
and the evaluation unit is used for obtaining a risk evaluation result of the financial product according to the first early warning index of the financial product and the corresponding first threshold value.
6. The apparatus according to claim 5, wherein the evaluation unit is specifically configured to:
and after judging that the first early warning index of the financial product is not matched with the corresponding first threshold value, early warning the financial product.
7. The apparatus of claim 5, further comprising:
and the second calculation unit is used for calculating the share of the investment products of the financial products according to the report data of the financial products.
8. The apparatus of any one of claims 5 to 7, further comprising:
the acquisition unit is used for acquiring a second early warning index from the report data of the financial product;
and the early warning unit is used for early warning the financial product after judging that the second early warning index is smaller than the corresponding second threshold value.
9. An electronic device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, characterized in that the steps of the method of any of claims 1 to 4 are implemented when the computer program is executed by the processor.
10. A computer-readable storage medium, on which a computer program is stored, which, when being executed by a processor, carries out the steps of the method of any one of claims 1 to 4.
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| CN202010608853.9A CN111798322A (en) | 2020-06-30 | 2020-06-30 | Data processing method and device for bank financing product |
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