CN112037072A - Bank investment product price determination method and device - Google Patents
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Abstract
The invention discloses a method and a device for determining the price of a bank investment product, wherein the method comprises the following steps: obtaining cost price data of each contract under a bank investment product, presetting point-of-sale difference data and an adjustment coefficient set, wherein the cost price data comprises: cost bid price data and/or cost selling price data, the set of tuning parameters comprising: a product level adjustment parameter and/or a contract level adjustment parameter; determining a point-of-sale difference adjustment value of each contract under the bank investment product according to the preset point-of-sale difference data and the adjustment parameter set; and determining the price of the bank investment product according to the cost price data and the point-of-sale difference adjusting value. The invention can determine the price of the bank investment product, improve the pertinence of the customer and avoid the problem that the product price is unreasonable and the enthusiasm of the customer for purchasing the product is struck.
Description
Technical Field
The invention relates to the technical field of bank investment products, in particular to a method and a device for determining the price of a bank investment product.
Background
With the continuous change of financial markets, the online financial investment is concerned and used by more and more investors due to the characteristics of high speed, convenience, high income and the like, and more bank investment products can be selected by people, so that a plurality of private product marketing modes are developed to attract the attention of customers.
At present, bank investment products are uniformly pushed to customers for selection, and banks can push uniform pricing of the products within an approximate range based on cost consideration. However, the acceptance degrees of different customers for the product prices are inconsistent, the desire of the customers to purchase the products is stimulated to different degrees, the existing bank investment product price determining scheme lacks the customer pertinence, and the enthusiasm of the customers to purchase the products can be struck due to unreasonable product prices, and other bank products can be bought.
Therefore, there is a need for a bank investment product price determination scheme that can overcome the above-mentioned problems.
Disclosure of Invention
The embodiment of the invention provides a bank investment product price determining method, which is used for determining the bank investment product price, improving the client pertinence and avoiding the problem that the client is attacked to purchase the product enthusiasm due to unreasonable product price, and comprises the following steps:
obtaining cost price data of each contract under a bank investment product, presetting point-of-sale difference data and an adjustment coefficient set, wherein the cost price data comprises: cost bid price data and/or cost selling price data, the set of tuning parameters comprising: a product level adjustment parameter and/or a contract level adjustment parameter;
determining a point-of-sale difference adjustment value of each contract under the bank investment product according to the preset point-of-sale difference data and the adjustment parameter set;
and determining the price of the bank investment product according to the cost price data and the point-of-sale difference adjusting value.
The embodiment of the invention provides a bank investment product price determining device, which is used for determining the bank investment product price, improving the pertinence of customers and avoiding the problem that the enthusiasm of customers for purchasing products is attacked due to unreasonable product price, and comprises the following components:
the data acquisition module is used for acquiring cost price data of each contract under the bank investment product, presetting point-of-sale difference data and adjusting a coefficient set, wherein the cost price data comprises: cost bid price data and/or cost selling price data, the set of tuning parameters comprising: a product level adjustment parameter and/or a contract level adjustment parameter;
the adjusting value determining module is used for determining the point-of-sale difference adjusting value of each contract under the bank investment product according to the preset point-of-sale difference data and the adjusting parameter set;
and the price determining module is used for determining the price of the bank investment product according to the cost price data and the point-of-sale difference adjusting value.
The embodiment of the invention also provides computer equipment which comprises a memory, a processor and a computer program which is stored on the memory and can run on the processor, wherein the processor realizes the bank investment product price determining method when executing the computer program.
An embodiment of the present invention further provides a computer-readable storage medium, in which a computer program for executing the method for determining the price of a bank investment product is stored.
Compared with the existing unified pricing scheme, the embodiment of the invention presets the point-of-sale difference data and adjusts the coefficient set by obtaining the cost price data of each contract under the bank investment product, wherein the cost price data comprises: cost bid price data and/or cost selling price data, the set of tuning parameters comprising: a product level adjustment parameter and/or a contract level adjustment parameter; determining a point-of-sale difference adjustment value of each contract under the bank investment product according to the preset point-of-sale difference data and the adjustment parameter set; and determining the price of the bank investment product according to the cost price data and the point-of-sale difference adjusting value. The embodiment of the invention presets the point-of-sale difference data, sets the adjustment parameters for different customers in a targeted manner from the product level and the contract level, determines the point-of-sale difference adjustment value of each contract under the bank investment product according to the preset point-of-sale difference data and the adjustment parameter set, and then adjusts the cost price data according to the point-of-sale difference adjustment value to determine the price of the bank investment product.
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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 diagram of a method for determining the price of a bank investment product according to an embodiment of the present invention;
FIG. 2 is a schematic diagram of a method for determining the price of a bank investment product according to an embodiment of the present invention;
FIG. 3 is a block diagram of a bank investment product price determining apparatus according to an embodiment of the present invention;
fig. 4 is a block diagram of a price determining apparatus for bank investment products 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.
First, terms referred to in the embodiments of the present application are described:
cost price data: the head office uniformly reports the cost price.
Presetting point-of-sale difference data: when the exchange rate changes, the price difference between the bid price and the selling price.
Basic price for guests: the system acquires cost price data from the price information record, presets point-of-sale difference data, and forms the basic price of the passenger after summation.
In order to determine the price of a bank investment product, improve the pertinence of a client, and avoid hitting the initiative of the client for purchasing the product due to unreasonable product price, an embodiment of the present invention provides a method for determining the price of the bank investment product, as shown in fig. 1, the method may include:
and 103, determining the price of the bank investment product according to the cost price data and the point-of-sale difference adjusting value.
As shown in fig. 1, in the embodiment of the present invention, cost price data of each contract under a bank investment product is obtained, point-of-sale difference data is preset, and a set of adjustment coefficients is preset, where the cost price data includes: cost bid price data and/or cost selling price data, the set of tuning parameters comprising: a product level adjustment parameter and/or a contract level adjustment parameter; determining a point-of-sale difference adjustment value of each contract under the bank investment product according to the preset point-of-sale difference data and the adjustment parameter set; and determining the price of the bank investment product according to the cost price data and the point-of-sale difference adjusting value. The embodiment of the invention presets the point-of-sale difference data, sets the adjustment parameters for different customers in a targeted manner from the product level and the contract level, determines the point-of-sale difference adjustment value of each contract under the bank investment product according to the preset point-of-sale difference data and the adjustment parameter set, and then adjusts the cost price data according to the point-of-sale difference adjustment value to determine the price of the bank investment product.
In specific implementation, the cost price data of each contract under the bank investment product is obtained, the point-of-sale difference data is preset, and the adjustment coefficient set is obtained, wherein the cost price data comprises: cost bid price data and/or cost selling price data, the set of tuning parameters comprising: a product-level adjustment parameter and/or a contract-level adjustment parameter. And determining the point-of-sale difference adjustment value of each contract under the bank investment product according to the preset point-of-sale difference data and the adjustment parameter set.
In an embodiment, the product level adjustment parameters comprise: one or any combination of a customer liveness multiplier, a customer rating multiplier, and a channel multiplier; the contract level adjustment parameters include: a region adjustment multiplier and/or a single transaction amount multiplier; determining a point-of-sale difference adjustment value of each contract under the bank investment product according to the preset point-of-sale difference data and the adjustment coefficient set, wherein the point-of-sale difference adjustment value comprises the following steps: calculating a comprehensive multiplier value according to one or any combination of the customer liveness multiplier, the customer rating multiplier, the channel multiplier, the region adjustment multiplier and the single transaction amount multiplier; and determining the point-of-sale difference adjustment value of each contract under the bank investment product according to the preset point-of-sale difference data and the comprehensive multiplier value.
In the embodiment, before issuing the price of the bank investment product, the corresponding product and the contract need to be customized, and the price is issued according to the contract; the posted prices include cost bid price data and/or cost selling bid price data, and may also include reference customer bid price data and/or reference customer selling bid price data.
In an embodiment, there may be multiple contracts under a product, and a contract set with the same sales attributes is a product. The tuning parameters may be applied to the product or to the contract, and thus the set of tuning parameters includes: a product-level adjustment parameter and/or a contract-level adjustment parameter. The rules at the contract level have a higher priority than the rules at the product level. If the setting is only at the product level and not at the contract level, the setting is effective at the product level. If the contract is set only at the contract level and not at the product level, the contract is effective at the contract level, and other contracts with the product adopt default customer point differences; if the rule is set at both the product level and the contract level, the rule at the contract level is used as a standard.
In an embodiment, the territorial adjustment multiplier and the single transaction amount multiplier are contract level adjustment parameters, and can be inherited from a product.
In an embodiment, the default pos difference data is such that the system should prompt the product customizer to set a default pos difference for the product each time a product is newly created. When a contract is customized under a certain product, the system inherits the default point-of-sale difference set during product customization to a contract customization interface to be confirmed by a customization person, the default point-of-sale difference is the default point-of-sale difference of the contract after confirmation, and if the contract customization person modifies the default point-of-sale difference on the customization interface, the default point-of-sale difference modified by the contract interface is used as the criterion.
In an embodiment, the customer liveness multiplier, the customer rating multiplier, the channel multiplier, the region adjustment multiplier and the single transaction amount multiplier are multiplied to obtain a comprehensive multiplier value through calculation, and then the preset point-of-sale difference data and the comprehensive multiplier value are multiplied to obtain a point-of-sale difference adjustment value of each contract under the bank investment product.
In an embodiment, a customer liveness multiplier, a customer rating multiplier, a channel multiplier, a territorial adjustment multiplier, a single transaction volume multiplier are initialized until updated. The customer rating multiplier is defaulted to 1 at the beginning, and then the relevant multiplier is configured corresponding to the corresponding multiplier according to the data mapping obtained by the intra-row rating every day. The multiplier of customer liveness is the multiplier corresponding to different liveness grades under the condition that the product customizing personnel sets each product, the system automatically obtains the respective multiplier according to the corresponding score of the liveness of the product classified by the customer, and the multiplier is obtained periodically in each period (every week/every month/every season … …); the customer rating multiplier is a multiplier which is automatically corresponding to different grades according to the rating of the customer by a bank, wherein the rating of each product is set by a product customizing person to correspond to the multiplier; the region multiplier is a multiplier corresponding to each region under each contract set by a product customization staff; the channel multiplier is a multiplier corresponding to each channel under each product set by a product customizing person at each channel level; the single transaction amount multiplier is that the product customization personnel divides the product to set the corresponding relation of contract-transaction amount grade-corresponding multiplier at each product/contract level, and the single transaction amount point difference acts on all customers. In this embodiment, the system may further include a subjective adjustment multiplier, which is manually configured by the bank sales manager according to the product/contract dimension. The product customizing personnel sets the correspondence between each level and the multiplier under each contract, and the specific salesperson sets the level of a certain client under each contract.
And in specific implementation, determining the price of the bank investment product according to the cost price data and the point-of-sale difference adjusting value.
In an embodiment, the price of the bank investment product as seen by each customer in the channel is the result of the addition of the cost price data to the point-of-sale difference adjustment value.
In an embodiment, the method for determining the price of the bank investment product further comprises: acquiring black and white list data of a client; the adjusting parameter set further includes: a customer profile multiplier determined from customer black and white list data. In this embodiment, a multiplier system is rejected from a client according to the black and white list data of the client, and the function of a specific level point difference multiplier is directly specified. The method adds the black and white list function, can flexibly pick out a multiplier system from a certain client and directly appoints a point difference multiplier with a specific grade. This allows the flexibility of the invention to be increased while perfecting the handling mechanism of bad credit customers.
In an embodiment, as shown in fig. 2, the method for determining the price of the bank investment product of fig. 1 further comprises: and 104, after the price of the bank investment product is determined, displaying the price of the bank investment product.
In the embodiment, after the price of the bank investment product is determined, the price of the bank investment product is displayed, the processed price data of the client purchase price and the price data of the client selling price are displayed, whether the large-amount discount is met or not is judged according to the transaction amount, and if the large-amount discount is not met, the synthetic client purchase price and the synthetic client selling price are displayed; and if the large-amount preference is met, displaying the purchase price of the large-amount synthesis client and the sale price of the large-amount synthesis client.
In this embodiment, if the customer is in the unregistered state, the basic price of the customer is directly displayed in the channel system. And if the client is logged in, entering a pricing adjustment process for the client. And forming a price for the customer, and publishing the price on a channel trading page of the logged-in customer.
In this embodiment, whether the customer meets the black-and-white list mechanism is preferentially checked, if not, the customer pricing attribute is read, transaction processing is performed according to the customer pricing strategy, when the customer hangs up the list, the system judges whether the price is reached according to the final price that the customer can make a transaction and the market price after being adjusted according to the customer pricing point difference, and the current investment behavior is ended.
The embodiment of the invention takes customers as the center, realizes the business mode of 'pricing by customers and flattening management', namely, a head office is responsible for the unified management of products, quotation, marketing, assessment, analysis and other contents, and carries out comprehensive pricing according to factors such as customer types, contribution degree, transaction channels and the like; and the branches execute the unified strategy according to the general lines, such as product promotion and marketing, customer maintenance, marketing activity formulation, targeted marketing according to data analysis, existing customers maintenance and potential customers conversion. The method is based on the fact that the 7 dimensions of the black and white list, the subjective grade, the region, the transaction amount, the channel, the activity and the inline rating of the customer are flexibly configured and comprehensively quoted, the business can configure all the dimensions according to different business scenes so as to better market the customer, wherein the configuration of the black and white list of the customer takes effect in real time, and the configuration of the rest of the customers takes effect in T +1 day, so that the method has better flexibility, safety, rapidness, convenience and practicability.
The embodiment of the invention has the following advantages:
1. the method has the advantages that the dimensionality is comprehensive, the flexibility of pricing of the clients due to scenes is guaranteed, the client point difference is flexibly configured according to the scenes and the client conditions on the basis of the existing cost price data, the cost of a bank is not increased, and the effect that marketing clients attract the clients is achieved.
2. Possesses good quick convenience: the effect of different quotations to the customers can be achieved through the real-time parameter configuration, so that the marketing effect is displayed more quickly and conveniently.
3. The practicability is as follows: the method can meet the requirement of the head office for unified price management, does not influence marketing customers of branch offices according to different scenes, has flexible quotation, fully uses the tolerance point difference of the bank, and improves the competitiveness of the bank marketing to private customers to a certain extent.
Based on the same inventive concept, the embodiment of the invention also provides a device for determining the price of the bank investment product, which is described in the following embodiment. Because the principles of solving the problems are similar to the method for determining the price of the bank investment product, the implementation of the device can be referred to the implementation of the method, and repeated details are not repeated.
Fig. 3 is a block diagram of a price determining apparatus for a bank investment product according to an embodiment of the present invention, as shown in fig. 3, the apparatus including:
a data obtaining module 301, configured to obtain cost price data of each contract under a bank investment product, preset point-of-sale difference data, and an adjustment coefficient set, where the cost price data includes: cost bid price data and/or cost selling price data, the set of tuning parameters comprising: a product level adjustment parameter and/or a contract level adjustment parameter;
an adjustment value determining module 302, configured to determine, according to the preset point-of-sale difference data and an adjustment parameter set, a point-of-sale difference adjustment value of each contract under a bank investment product;
and the price determining module 303 is used for determining the price of the bank investment product according to the cost price data and the point-of-sale difference adjusting value.
In one embodiment, the product level adjustment parameters include: one or any combination of a customer liveness multiplier, a customer rating multiplier, and a channel multiplier; the contract level adjustment parameters include: a region adjustment multiplier and/or a single transaction amount multiplier;
the adjustment value determination module 302 is further configured to: calculating a comprehensive multiplier value according to one or any combination of the customer liveness multiplier, the customer rating multiplier, the channel multiplier, the region adjustment multiplier and the single transaction amount multiplier; and determining the point-of-sale difference adjustment value of each contract under the bank investment product according to the preset point-of-sale difference data and the comprehensive multiplier value.
In one embodiment, the data obtaining module 301 is further configured to: acquiring black and white list data of a client;
the adjusting parameter set further includes: a customer profile multiplier determined from customer black and white list data.
In one embodiment, as shown in fig. 4, the bank investment product price determining apparatus of fig. 3 further comprises:
and the price display module 304 is used for displaying the bank investment product price after determining the bank investment product price.
In summary, in the embodiments of the present invention, cost price data of each contract under a bank investment product is obtained, point-of-sale difference data is preset, and a coefficient set is adjusted, where the cost price data includes: cost bid price data and/or cost selling price data, the set of tuning parameters comprising: a product level adjustment parameter and/or a contract level adjustment parameter; determining a point-of-sale difference adjustment value of each contract under the bank investment product according to the preset point-of-sale difference data and the adjustment parameter set; and determining the price of the bank investment product according to the cost price data and the point-of-sale difference adjusting value. The embodiment of the invention presets the point-of-sale difference data, sets the adjustment parameters for different customers in a targeted manner from the product level and the contract level, determines the point-of-sale difference adjustment value of each contract under the bank investment product according to the preset point-of-sale difference data and the adjustment parameter set, and then adjusts the cost price data according to the point-of-sale difference adjustment value to determine the price of the bank investment product.
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.
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 method for determining the price of a bank investment product, comprising:
obtaining cost price data of each contract under a bank investment product, presetting point-of-sale difference data and an adjustment coefficient set, wherein the cost price data comprises: cost bid price data and/or cost selling price data, the set of tuning parameters comprising: a product level adjustment parameter and/or a contract level adjustment parameter;
determining a point-of-sale difference adjustment value of each contract under the bank investment product according to the preset point-of-sale difference data and the adjustment parameter set;
and determining the price of the bank investment product according to the cost price data and the point-of-sale difference adjusting value.
2. The bank investment product price determining method of claim 1 wherein the product level adjustment parameters include: one or any combination of a customer liveness multiplier, a customer rating multiplier, and a channel multiplier; the contract level adjustment parameters include: a region adjustment multiplier and/or a single transaction amount multiplier;
determining a point-of-sale difference adjustment value of each contract under the bank investment product according to the preset point-of-sale difference data and the adjustment coefficient set, wherein the point-of-sale difference adjustment value comprises the following steps:
calculating a comprehensive multiplier value according to one or any combination of the customer liveness multiplier, the customer rating multiplier, the channel multiplier, the region adjustment multiplier and the single transaction amount multiplier;
and determining the point-of-sale difference adjustment value of each contract under the bank investment product according to the preset point-of-sale difference data and the comprehensive multiplier value.
3. The bank investment product price determining method of claim 1, further comprising:
acquiring black and white list data of a client;
the adjusting parameter set further includes: a customer profile multiplier determined from customer black and white list data.
4. The bank investment product price determining method of claim 1, further comprising: and after the price of the bank investment product is determined, displaying the price of the bank investment product.
5. An apparatus for determining the price of an investment product in a bank, comprising:
the data acquisition module is used for acquiring cost price data of each contract under the bank investment product, presetting point-of-sale difference data and adjusting a coefficient set, wherein the cost price data comprises: cost bid price data and/or cost selling price data, the set of tuning parameters comprising: a product level adjustment parameter and/or a contract level adjustment parameter;
the adjusting value determining module is used for determining the point-of-sale difference adjusting value of each contract under the bank investment product according to the preset point-of-sale difference data and the adjusting parameter set;
and the price determining module is used for determining the price of the bank investment product according to the cost price data and the point-of-sale difference adjusting value.
6. The bank investment product price determining apparatus of claim 5 wherein the product level adjustment parameters include: one or any combination of a customer liveness multiplier, a customer rating multiplier, and a channel multiplier; the contract level adjustment parameters include: a region adjustment multiplier and/or a single transaction amount multiplier;
the adjustment value determination module is further to: calculating a comprehensive multiplier value according to one or any combination of the customer liveness multiplier, the customer rating multiplier, the channel multiplier, the region adjustment multiplier and the single transaction amount multiplier; and determining the point-of-sale difference adjustment value of each contract under the bank investment product according to the preset point-of-sale difference data and the comprehensive multiplier value.
7. The bank investment product price determining apparatus of claim 5 wherein the data acquisition module is further for: acquiring black and white list data of a client;
the adjusting parameter set further includes: a customer profile multiplier determined from customer black and white list data.
8. The bank investment product price determining apparatus of claim 5 further comprising:
and the price display module is used for displaying the price of the bank investment product after determining the price of the bank investment product.
9. A computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor implements the method of any one of claims 1 to 4 when executing the computer program.
10. A computer-readable storage medium, characterized in that the computer-readable storage medium stores a computer program for executing the method of any one of claims 1 to 4.
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| CN113205338A (en) * | 2021-06-08 | 2021-08-03 | 中国银行股份有限公司 | Foreign exchange service processing method and device based on artificial intelligence |
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| US20130325683A1 (en) * | 2012-05-29 | 2013-12-05 | Fmr Llc | Dynamic Trading Services For Passive Investors |
| KR20130138889A (en) * | 2012-06-12 | 2013-12-20 | 양용철 | Device and method for forecasting the option price for each future price and profit and loss calculation in stock trading system |
| CN109658226A (en) * | 2018-12-07 | 2019-04-19 | 中国银行股份有限公司 | A kind of bank product advertisement placement method, apparatus and system |
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| CN113205338A (en) * | 2021-06-08 | 2021-08-03 | 中国银行股份有限公司 | Foreign exchange service processing method and device based on artificial intelligence |
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