CN112053216A

CN112053216A - Risk management method of financial product and related device

Info

Publication number: CN112053216A
Application number: CN202010904469.3A
Authority: CN
Inventors: 彭章龙
Original assignee: Tenpay Payment Technology Co Ltd
Current assignee: Tenpay Payment Technology Co Ltd
Priority date: 2020-09-01
Filing date: 2020-09-01
Publication date: 2020-12-08

Abstract

The application discloses a risk management method of financial products and a related device. Monitoring, in real time, an acquisition process for financial product data, the financial product data including at least one of product information or management information; then responding to the trigger of the acquisition process, comparing the financial product data with an early warning rule to obtain an early warning result, wherein the early warning rule is set based on at least one information dimension in the product information or the management information; and generating a corresponding risk response based on the early warning result. Therefore, the intelligent risk management process of the financial products is realized, the financial product data are obtained in real time, and the early warning judgment based on the related early warning rules is carried out after the financial product data are obtained, so that the efficiency and the accuracy of the risk management of the financial products are improved.

Description

Risk management method of financial product and related device

Technical Field

The present application relates to the field of computer technologies, and in particular, to a risk management method for financial products and a related apparatus.

Background

With the rapid development of internet technology, more and more internet financial products appear in people's lives, and because of the diversity and uncontrollable nature of internet products, how to perform risk management on the financial products becomes a difficult problem.

Generally, the related upstream and downstream information of the financial products on sale or to be sold can be reviewed and checked manually, and then the risk condition of the financial products on sale or to be sold currently can be confirmed according to the manually collected information and the individual or collective temporary risk judgment.

However, the information obtained by adopting the manual monitoring mode is not efficient, wastes time and labor, and may not be comprehensive, and meanwhile, when a plurality of people decide a plurality of product risks, phenomena such as unstable standards, non-uniformity and the like easily occur, so that the efficiency and the accuracy of the financial product risk judgment are influenced.

Disclosure of Invention

In view of this, the present application provides a method for risk management of financial products, which can effectively improve the efficiency and accuracy of risk determination of financial products.

One aspect of the present application provides a method for risk management of a financial product, which can be applied to a system or a program including a risk management function of a financial product in a terminal device, including:

monitoring in real time an acquisition process for financial product data, the financial product data including at least one of product information or management information;

responding to the triggering of the acquisition process, comparing the financial product data with an early warning rule to obtain an early warning result, wherein the early warning rule is set based on at least one information dimension in the product information or the management information;

generating a corresponding risk response based on the early warning result, the risk response indicating a risk avoidance operation for the financial product data.

One aspect of the present application provides a risk management apparatus for financial products, including: a monitoring unit for monitoring in real time an acquisition process for financial product data, the financial product data including at least one of product information or management information;

the early warning unit is used for responding to the triggering of the acquisition process, comparing the financial product data with an early warning rule to obtain an early warning result, wherein the early warning rule is set based on at least one information dimension in the product information or the management information;

a management unit configured to generate a corresponding risk response based on the early warning result, the risk response being indicative of a risk avoidance operation for the financial product data.

Optionally, in some possible implementation manners of the present application, the early warning unit is configured to compare the financial product data with local product data to obtain comparison information;

the early warning unit is used for triggering the acquisition process if the comparison information indicates that difference information exists in the acquired data;

the early warning unit is used for comparing the financial product data with early warning rules to obtain early warning results.

Optionally, in some possible implementation manners of the present application, the early warning unit is configured to determine a data table corresponding to the financial product data, where the data table is used to indicate a corresponding relationship between a data item and a data value;

the early warning unit is used for comparing the data table with local product data to obtain the comparison information.

Optionally, in some possible implementation manners of the present application, the early warning unit is configured to convert the financial product data into target format data based on a format rule, where the format rule is set based on the early warning rule;

the early warning unit is used for comparing the target format data with the early warning rule to obtain the early warning result.

Optionally, in some possible implementation manners of the present application, the early warning unit is configured to determine a difference item corresponding to the difference information in the local product data;

the early warning unit is used for updating the local product data based on the difference item.

Optionally, in some possible implementation manners of the present application, the management unit is configured to extract the product information or the management information in the financial product information if the early warning result indicates that the financial product information has a risk;

the management unit is used for generating corresponding risk response based on the product information or the management information.

Optionally, in some possible implementation manners of the present application, the management unit is configured to use the product information or the risk item corresponding to the management information;

the management unit is used for traversing the local product data based on the risk items to obtain early warning items;

and the management unit is used for generating corresponding risk response according to the early warning item.

Optionally, in some possible implementations of the present application, the monitoring unit is configured to determine at least one information source corresponding to the financial product data;

the monitoring unit is used for setting a data acquisition mode based on the information source;

and the monitoring unit is used for monitoring the acquisition process in real time based on the data acquisition mode.

Optionally, in some possible implementation manners of the present application, the management unit is configured to obtain a timing detection script;

the management unit is used for detecting the early warning rule based on a time period corresponding to the timing detection script so as to acquire change information of the early warning rule;

and the management unit is used for updating the early warning rule based on the change information.

Optionally, in some possible implementations of the present application, the management unit is configured to determine, in response to an editing operation in a target interface, editing information for the early warning rule;

the management unit is used for determining the structured data corresponding to the early warning rule;

and the management unit is used for adjusting the structured data based on the editing information so as to update the early warning rule.

Optionally, in some possible implementation manners of the present application, the management unit is configured to generate a target interaction table according to the structured data;

the management unit is used for responding to the editing operation in the target interface to determine the interactive items in the target interactive table;

the management unit is used for determining editing information aiming at the early warning rule based on the interactive item.

One aspect of the present application provides a computer device, comprising: a memory, a processor, and a bus system; the memory is used for storing program codes; the processor is configured to execute the above-described method for risk management of a financial product according to instructions in the program code.

An aspect of the present application provides a computer-readable storage medium having stored therein instructions, which when run on a computer, cause the computer to execute the above-mentioned method for risk management of financial products.

According to an aspect of the application, a computer program product or computer program is provided, comprising computer instructions, the computer instructions being stored in a computer readable storage medium. The processor of the computer device reads the computer instructions from the computer-readable storage medium, and the processor executes the computer instructions to cause the computer device to perform the risk management method for the financial product provided in the above-described various alternative implementations.

According to the technical scheme, the embodiment of the application has the following advantages:

monitoring, in real time, an acquisition process for financial product data, the financial product data including at least one of product information or management information; then responding to the trigger of the acquisition process, comparing the financial product data with an early warning rule to obtain an early warning result, wherein the early warning rule is set based on at least one information dimension in the product information or the management information; and generating a corresponding risk response based on the early warning result, wherein the risk response is used for indicating the risk avoiding operation aiming at the financial product data. Therefore, the financial product data are acquired in real time in the intelligent risk management process of the financial product, early warning judgment based on the relevant early warning rules is carried out after the financial product data are acquired, the risk management efficiency of the financial product and the comprehensiveness of information collection are improved, and the judgment standards corresponding to the early warning rules are unified, so that the risk management accuracy of the financial product is further improved.

Drawings

In order to more clearly illustrate the embodiments of the present application or the technical solutions in the prior art, the drawings needed to be used in the description of the embodiments or the prior art will be briefly introduced below, it is obvious that the drawings in the following description are only embodiments of the present application, and for those skilled in the art, other drawings can be obtained according to the provided drawings without creative efforts.

FIG. 1 is a diagram of a network architecture for operation of a risk management system for financial products;

FIG. 2 is a block diagram illustrating a process for risk management of a financial product according to an embodiment of the present disclosure;

FIG. 3 is a flow chart of a method for risk management of a financial product according to an embodiment of the present disclosure;

FIG. 4 is a schematic view of a scenario of a risk management method for a financial product according to an embodiment of the present disclosure;

FIG. 5 is a schematic view of a scenario of a risk management method for a financial product according to an embodiment of the present disclosure;

FIG. 6 is a flow chart of a method for risk management of a financial product according to an embodiment of the present disclosure;

FIG. 7 is a schematic view of a scenario of a risk management method for a financial product according to an embodiment of the present disclosure;

FIG. 8 is a schematic view of a scenario of a risk management method for a financial product according to an embodiment of the present disclosure;

FIG. 9 is a schematic view of a scenario of a risk management method for a financial product according to an embodiment of the present disclosure;

FIG. 10 is a schematic structural diagram of a risk management device for financial products according to an embodiment of the present disclosure;

fig. 11 is a schematic structural diagram of a terminal device according to an embodiment of the present application;

fig. 12 is a schematic structural diagram of a server according to an embodiment of the present application.

Detailed Description

The embodiment of the application provides a risk management method of a financial product and a related device, which can be applied to a system or a program containing a risk management function of the financial product in terminal equipment, and the financial product data comprises at least one of product information or management information by monitoring an acquisition process aiming at the financial product data in real time; then responding to the trigger of the acquisition process, comparing the financial product data with an early warning rule to obtain an early warning result, wherein the early warning rule is set based on at least one information dimension in the product information or the management information; and generating a corresponding risk response based on the early warning result, wherein the risk response is used for indicating the risk avoiding operation aiming at the financial product data. Therefore, the financial product data are acquired in real time in the intelligent risk management process of the financial product, early warning judgment based on the relevant early warning rules is carried out after the financial product data are acquired, the risk management efficiency of the financial product and the comprehensiveness of information collection are improved, and the judgment standards corresponding to the early warning rules are unified, so that the risk management accuracy of the financial product is further improved.

The terms "first," "second," "third," "fourth," and the like in the description and in the claims of the present application and in the drawings described above, if any, are used for distinguishing between similar elements and not necessarily for describing a particular sequential or chronological order. It is to be understood that the data so used is interchangeable under appropriate circumstances such that the embodiments of the application described herein are, for example, capable of operation in sequences other than those illustrated or otherwise described herein. Furthermore, the terms "comprises," "comprising," and "corresponding" 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.

It should be understood that the method for risk management of a financial product provided by the present application may be applied to a system or a program including a risk management function of a financial product in a terminal device, such as financial management software, specifically, a risk management system of a financial product may operate in a network architecture as shown in fig. 1, which is a network architecture diagram for the operation of the risk management system of a financial product, as can be seen from the diagram, the risk management system of a financial product may provide a risk management process of a financial product related to multiple information sources, that is, a server analyzes risk conditions of a financial product related to multiple terminals, and a specific risk determination is performed based on an early warning rule stored in the server; it is understood that, fig. 1 shows various terminal devices, the terminal devices may be computer devices, and in an actual scenario, there may be more or less types of terminal devices participating in the process of risk management of financial products, and the specific number and types depend on the actual scenario, which is not limited herein, and in addition, fig. 1 shows one server, but in an actual scenario, there may also be participation of multiple servers, especially in a scenario of interaction of multiple financial products, and the specific number of servers depends on the actual scenario.

In this embodiment, the server may be an independent physical server, a server cluster or a distributed system formed by a plurality of physical servers, or a cloud server providing basic cloud computing services such as a cloud service, a cloud database, cloud computing, a cloud function, cloud storage, a network service, cloud communication, a middleware service, a domain name service, a security service, a CDN, a big data and artificial intelligence platform, and the like. The terminal may be, but is not limited to, a smart phone, a tablet computer, a laptop computer, a desktop computer, a smart speaker, a smart watch, and the like. The terminal and the server may be directly or indirectly connected through a wired or wireless communication manner, and the terminal and the server may be connected to form a block chain network, which is not limited herein.

It will be appreciated that the risk management system for financial products described above may be run on a personal mobile terminal, for example: the application, such as financial management software, can also run on a server, and can also run on third-party equipment to provide risk management of financial products so as to obtain the risk management processing result of the financial products of the information source; the risk management system of the financial product may be operated in the above-mentioned device in the form of a program, may also be operated as a system component in the above-mentioned device, and may also be one of cloud service programs, and a specific operation mode is determined by an actual scene, and is not limited herein.

However, on one hand, the information obtained by adopting a manual monitoring mode is not high in efficiency, wastes time and labor and may not be comprehensive, and meanwhile, when a plurality of people decide a plurality of product risks, phenomena of unstable standards, non-uniformity and the like easily occur, so that the accuracy of the financial product risk judgment is influenced; on the other hand, the timeliness is poor, the time from the relevant information disclosure to the evaluation has influence on products sold or sold on the platform, the time is long, early warning and relevant early warning operations are easily missed, and therefore the loss of the benefit of the platform or the user caused by the risky products is caused.

In order to solve the above problems, the present application provides a method for risk management of a financial product, which is applied to a process framework of risk management of a financial product shown in fig. 2, as shown in fig. 2, for a process framework of risk management of a financial product provided in an embodiment of the present application, the process framework is developed mainly based on a rule engine, that is, a change condition of data is determined through a change notification of external data, and a judgment based on an early warning rule is performed on the changed data, so as to generate a corresponding early warning result; in addition, the rule engine can also respond to the timing rule to perform change event processing, wherein the process of changing the event can be derived from change operation performed in the monitoring management background, and a corresponding change record is generated based on the change operation, so that the rule table is modified, namely, the process of manually adjusting the judgment logic of the rule engine is completed.

It can be understood that the method provided by the present application may be a program written as a processing logic in a hardware system, or may be a risk management device for a financial product, and the processing logic is implemented in an integrated or external manner. As one implementation, the risk management apparatus of a financial product monitors an acquisition process for financial product data in real time, the financial product data including at least one of product information or management information; then responding to the trigger of the acquisition process, comparing the financial product data with an early warning rule to obtain an early warning result, wherein the early warning rule is set based on at least one information dimension in the product information or the management information; and generating a corresponding risk response based on the early warning result, wherein the risk response is used for indicating the risk avoiding operation aiming at the financial product data. Therefore, the financial product data are acquired in real time in the intelligent risk management process of the financial product, early warning judgment based on the relevant early warning rules is carried out after the financial product data are acquired, the risk management efficiency of the financial product and the comprehensiveness of information collection are improved, and the judgment standards corresponding to the early warning rules are unified, so that the risk management accuracy of the financial product is further improved.

With reference to the above flow architecture, the following describes a risk management method for a financial product in the present application, please refer to fig. 3, where fig. 3 is a flow chart of a risk management method for a financial product according to an embodiment of the present application, where the management method may be executed by a terminal device, or by a server, or by both the terminal device and the server, and the following describes an example of execution of the terminal device. The embodiment of the application at least comprises the following steps:

301. the acquisition process for the financial product data is monitored in real time.

In this embodiment, the financial product data includes at least one of product information or management information; the product information comprises bottom asset information, product type information or network evaluation information corresponding to the financial product, for example, the fund scale corresponding to the financial product A is billion, and the network evaluation is good; the management information includes financial institution information, manager information and management age information corresponding to the financial product, for example, the financial product B is managed by the institution C, the management age of the product is three years, the specific information form depends on the actual scene, and is not limited herein.

It can be understood that a plurality of different information sources can be set for monitoring the acquisition process of the financial product data; specifically, at least one information source corresponding to the financial product data is determined firstly; then setting a data acquisition mode based on the information source; and then monitoring the acquisition process in real time based on the data acquisition mode.

In one possible scenario, the information source may include a network, a database, and the like, and the specific data acquisition manner includes web crawler acquisition, database purchase, and the like, and the specific manner depends on the actual scenario.

302. And responding to the trigger of the acquisition process, and comparing the financial product data with the early warning rule to obtain an early warning result.

In this embodiment, the early warning rule is set based on at least one information dimension in the product information or the management information; namely, the early warning rule can be set only based on product information, for example, if the product fund scale reaches two billion, the early warning is sent out; the early warning rule can also be set only based on management information, for example, if the working years of managers of products are less than 1 year, early warning is given out; the early warning rule can also be set based on the management information and the product information, for example, if the product fund scale reaches 10 hundred million and the working years of managers of the product are less than 2 years, the early warning is given out; the specific early warning rules are determined by actual scenes.

In addition, the trigger of the acquisition process may be triggered based on the comparison between the financial product data and the local product data, that is, the data items contained in the financial product data also exist in the local product data, but the corresponding numerical values are different. Specifically, firstly, the financial product data is compared with the local product data to obtain comparison information; and if the comparison information indicates that the acquired data has difference information, triggering an acquisition process. For example, after external new data is crawled regularly or data purchased by a third party is updated, the data change processing module sequentially pulls and compares whether the data exists in the current system, if so, the comparison with the externally acquired data is changed, if the data exists and the comparison is consistent, the data is updated repeatedly, no early warning is needed, the data record is skipped, no processing is performed, namely, the acquisition process is not triggered, and therefore system resources are saved.

Specifically, the data comparison process may be performed based on the data item and the data value, specifically, first, a corresponding relationship between the data item and the data value in the data table corresponding to the financial product data is determined; and then comparing the local product data with the data table to obtain comparison information. For example, a newly added product corresponding to the data item is determined, or a product variation value corresponding to the data value is determined, so that the accuracy of the comparison information is ensured.

Optionally, in order to improve the efficiency of comparing the financial product data with the early warning rule, the financial product data may be converted into target format data based on a format rule, and the format rule is set based on the early warning rule; and then comparing the target format data with the early warning rule to obtain an early warning result. That is, if the data is newly added or updated, the data record is formatted into a format required by the rule engine, and then the data record is transmitted to the rule engine shown in fig. 2 to perform matching and judgment of the configured early warning rule, so that the rule comparison efficiency is improved.

Optionally, after the financial product information is compared, the local product data may be updated, that is, a difference item corresponding to the difference information in the local product data is determined; the local product data is updated based on the difference item. Therefore, timeliness of the local product data is guaranteed, namely the local product data is updated to the latest data state, and accuracy of risk management is improved.

In a possible scenario, based on the architecture shown in fig. 2, after the rule engine returns the early warning result, a message processing event corresponding to the data may be called to process the message processing event; if the early warning exists, recording the early warning result into various early warning tables, and modifying the monitoring financial data table; if no early warning exists, only modifying the monitoring financial data table; the early warning table and the monitoring financial data table are both in the display form of local product data.

Correspondingly, in a possible interface presentation, as shown in fig. 4, fig. 4 is a scene schematic diagram of another method for risk management of a financial product according to an embodiment of the present application. The terminal device obtains real-time information (financial product data) and performs early warning judgment on a plurality of financial products, so that corresponding judgment results are displayed on an interface, a user can click detail A1 to check specific judgment basis, namely, which product is sent out early warning, and response of the corresponding early warning results is performed.

303. And generating a corresponding risk response based on the early warning result.

In this embodiment, the risk response is used to indicate a risk avoiding operation for the financial product data, where the specific risk avoiding operation includes risk early warning response processing of different levels such as off-shelf, non-recommended, and the like.

In a possible scenario, as shown in fig. 5, fig. 5 is a schematic view of a scenario of a risk management method for a financial product according to an embodiment of the present disclosure. The figure shows a situation where a risk is detected for the product 2. Reminding is carried out in the interface, and a user can select whether to off-shelf the risk product or not, so that the risk avoiding operation is realized.

It is understood that the risk avoiding operation may be performed not only based on the product but also with respect to a manager, for example, a financial product managed by the off-shelf user 2, and specifically, for this process, the product information or the management information in the financial product information may be first extracted when the warning result indicates that the financial product information is at risk; a corresponding risk response is then generated based on the product information or the management information. Therefore, the latest real-time data of financial institutions, investment managers, products, bottom assets, public opinions and the like in the financial industry are obtained through a method of automatically crawling or purchasing third-party data through a webpage, the latest real-time data of the financial industry obtained latest is analyzed to be compared with early warning rules configured manually by a system, if early warning is triggered, events are recorded in an early warning pool table, a risk early warning response center is informed to perform related operations of risks, if products related to the early warning rules are avoided, risk early warning response processing of different levels such as off-shelf products and unrecommendable products can be initiated, if the products are not on shelf, risk interception before the products are on shelf is performed, and early warning event information is reminded to be concerned.

Furthermore, the risk management object may be defined as a product contained in the local product data, so that the risk item corresponding to the product information or the management information may be determined first; traversing local product data based on the risk items to obtain early warning items; and generating corresponding risk response according to the early warning item. For example, the risk item includes product 1, product 2 and product 3, and the local product data includes only product 2, so that only the risk response for product 2 can be generated, thereby improving the pertinence of the risk response.

With reference to the above embodiments, by monitoring the acquisition process for financial product data in real time, the financial product data includes at least one of product information or management information; then responding to the trigger of the acquisition process, comparing the financial product data with an early warning rule to obtain an early warning result, wherein the early warning rule is set based on at least one information dimension in the product information or the management information; and generating a corresponding risk response based on the early warning result, wherein the risk response is used for indicating the risk avoiding operation aiming at the financial product data. Therefore, the financial product data are acquired in real time in the intelligent risk management process of the financial product, early warning judgment based on the relevant early warning rules is carried out after the financial product data are acquired, the risk management efficiency of the financial product and the comprehensiveness of information collection are improved, and the judgment standards corresponding to the early warning rules are unified, so that the risk management accuracy of the financial product is further improved.

The above embodiment introduces a risk response process, and the warning rule for judgment may be changed in the risk response process, which is described below. Referring to fig. 6, fig. 6 is a flowchart of a risk management method for a financial product according to an embodiment of the present disclosure, where the embodiment of the present disclosure at least includes the following steps:

601. and monitoring the change information of the early warning rule.

In this embodiment, the change information of the warning rule may be manually input by the user, or may be automatically modified by the system, for example, when a fund manager indicating the product 3 in the collected financial product data is captured, the product 3 is automatically released.

It can be understood that since the early warning rules are modifiable, and the modification of the rules involves acquiring a large number of monitoring financial data tables and recalling the data one by one to the rules engine for judgment, the whole process is time-consuming. If the user synchronously carries out the rule re-judgment process of all related data when modifying the rule, the process consumes a great deal of time; if the user continuously repeats the operation, a large number of meaningless repeated operations may exist, so that the data re-rule judgment related to the early warning rule change can be started in a timing script manner, for example, the early warning rule with change in a plurality of time period pulling time periods is preset every day, then the corresponding data is pulled to perform the rule judgment again, and a specific implementation process can firstly obtain a timing detection script; then, detecting the early warning rule based on a time period corresponding to the timing detection script to acquire change information of the early warning rule; and then the early warning rule is updated based on the change information, so that the updating efficiency of the early warning rule is improved, and omission is avoided.

In one possible scenario, in combination with the framework shown in fig. 2, the timing detection script corresponds to a timing time point, that is, when the timing time point is reached, the timing rule is started to change the batch processing event, and all the changed rules from the last batch processing event to the current time point in the rule table are pulled; pulling all related records of the monitoring financial data table related to the rule one by one according to the changed rule, and then transmitting the data records one by one to a rule engine for early warning judgment; the rule engine further judges the early warning results of the data records item by item, if the early warning is triggered, the corresponding event processing engine is called, and the data are recorded into an early warning pool table; otherwise, neglect and do not do any operation.

602. And adjusting the structured data corresponding to the early warning rule based on the change information.

In this embodiment, the early warning rule is a series of condition determination processes, and different conditions may have a logical relationship therebetween, so that the corresponding structured data may be generated based on the early warning rule. Correspondingly, the updating process of the early warning rule can firstly respond to the editing operation in the target interface to determine the editing information aiming at the early warning rule; then determining the structured data corresponding to the early warning rule; and then adjusting the structured data based on the editing information so as to update the early warning rule. For example, as shown in fig. 7, fig. 7 is a scene schematic diagram of a risk management method for a financial product according to an embodiment of the present application. The structured data shown in the figure is an abstract syntax tree generated based on Drools, and the meaning of translation into natural language is as follows: the product type of the product is classified into one of medium-short bond fund, financing bond fund and currency fund in a third grade, and the period of the investment manager's job is less than 1 year; for products classified three-level for other product types, the investment manager has a working age of less than 2 years.

Further, since the syntax (Java-like syntax) used by Drools to describe the conditions is not easy to edit from the front-end page, it is necessary to design an intermediate representation for the pre-warning rules that can be easily edited from the front end and easily converted into the syntax used by Drools. Therefore, the filling process of the target interactive form can be carried out in a front-end interface (target interface), namely, the target interactive form can be generated according to the structured data; then, interactive items in the target interactive table are determined in response to editing operation in the target interface; and further determining editing information aiming at the early warning rule based on the interactive item. Specifically, as shown in fig. 8, fig. 8 is a scene schematic diagram of a risk management method for a financial product according to an embodiment of the present application. The figure shows that when a user needs to edit an early warning rule, the user can click an edit button B1 in a front-end interface to enter a target interface containing multiple associated conditions, and the user can generate the early warning rule by setting a logical relationship for different conditions and setting a judgment condition.

In a possible scenario, a front-end page editing form corresponding to the abstract syntax tree shown in fig. 7 is shown in fig. 9, and fig. 9 is a scene diagram of a risk management method for a financial product according to an embodiment of the present disclosure. Namely, the condition in the early warning rule is extracted individually, and the table association is carried out based on the logic in the abstract syntax tree.

It can be understood that in the expression process based on the abstract syntax tree, complex logic can be realized through nesting, meanwhile, semi-structured facilitates page editing interaction and programming analysis processing, and the front end only needs to design a similar editing page according to the form of the syntax tree, so that the convenience of early warning rule editing is improved.

603. And updating the early warning rule based on the adjusted structured data.

In this embodiment, in the process of updating the early warning rule for the structured data, the adjusted structured data is adjusted to the grammar corresponding to the early warning rule and is input. Corresponding to the example in fig. 9, the conversion of the content indicated by the table into syntax corresponding to Drools may be: ((product _ category in ("medium short bond fund", "financial bond fund", "money fund")) & (manager _ exp <1)) | (product _ category in ("medium short bond fund", "financial bond fund", "money fund")) & (manager _ exp < 2)). Therefore, the early warning rule can be updated based on the grammar expression, and the updating accuracy of the early warning rule is ensured.

604. And carrying out risk management according to the updated early warning rule.

In this embodiment, after the early warning is triggered, the early warning event is immediately notified to the risk early warning response center, and the risk early warning response center performs a corresponding risk avoidance action, for example, notifies a product responsible person, and initiates a process of taking off, stopping selling, stopping recommending, and the like of a related financial platform selling goods, and if the goods to be sold are to be stopped in an emergency, the subsequent process of taking on shelf is stopped, so that loss is stopped in time, and the benefit of the platform and the user is protected from being continuously damaged.

In order to better implement the above-mentioned aspects of the embodiments of the present application, the following also provides related apparatuses for implementing the above-mentioned aspects. Referring to fig. 10, fig. 10 is a schematic structural diagram of a risk management device for financial products according to an embodiment of the present disclosure, in which the risk management device 1000 includes:

a monitoring unit 1001 for monitoring an acquisition process for financial product data including at least one of product information or management information in real time;

the early warning unit 1002 is configured to compare, in response to the trigger of the acquisition process, the financial product data with an early warning rule to obtain an early warning result, where the early warning rule is set based on at least one information dimension of the product information or the management information;

a management unit 1003 configured to generate a corresponding risk response based on the early warning result, where the risk response is used to indicate a risk avoiding operation for the financial product data.

Optionally, in some possible implementation manners of the present application, the early warning unit 1002 is configured to compare the financial product data with local product data to obtain comparison information;

the early warning unit 1002 is configured to trigger the obtaining process if the comparison information indicates that there is difference information in the acquired data;

the early warning unit 1002 is configured to compare the financial product data with an early warning rule to obtain an early warning result.

Optionally, in some possible implementations of the present application, the early warning unit 1002 is configured to determine a data table corresponding to the financial product data, where the data table is used to indicate a corresponding relationship between a data item and a data value;

the early warning unit 1002 is configured to compare with local product data based on the data table to obtain the comparison information.

Optionally, in some possible implementation manners of the present application, the early warning unit 1002 is configured to convert the financial product data into target format data based on a format rule, where the format rule is set based on the early warning rule;

the early warning unit 1002 is configured to compare the target format data with the early warning rule to obtain the early warning result.

Optionally, in some possible implementation manners of the present application, the early warning unit 1002 is configured to determine a difference item corresponding to the difference information in the local product data;

the early warning unit 1002 is configured to update the local product data based on the difference item.

Optionally, in some possible implementation manners of the present application, the management unit 1003 is configured to extract the product information or the management information in the financial product information if the early warning result indicates that the financial product information is at risk;

the management unit 1003 is configured to generate a corresponding risk response based on the product information or the management information.

Optionally, in some possible implementation manners of the present application, the management unit 1003 is configured to use the product information or the risk item corresponding to the management information;

the management unit 1003 is configured to traverse the local product data based on the risk item to obtain an early warning item;

the management unit 1003 is configured to generate a corresponding risk response according to the early warning item.

Optionally, in some possible implementations of the present application, the monitoring unit 1001 is configured to determine at least one information source corresponding to the financial product data;

the monitoring unit 1001 is configured to set a data acquisition mode based on the information source;

the monitoring unit 1001 is configured to monitor the acquisition process in real time based on the data acquisition manner.

Optionally, in some possible implementation manners of the present application, the management unit 1003 is configured to obtain a timing detection script;

the management unit 1003 is configured to detect the early warning rule based on a time period corresponding to the timing detection script to obtain change information of the early warning rule;

the management unit 1003 is configured to update the warning rule based on the change information.

Optionally, in some possible implementations of the present application, the management unit 1003 is configured to determine, in response to an editing operation in a target interface, editing information for the early warning rule;

the management unit 1003 is configured to determine structured data corresponding to the early warning rule;

the management unit 1003 is configured to adjust the structured data based on the editing information, so as to update the early warning rule.

Optionally, in some possible implementation manners of the present application, the management unit 1003 is configured to generate a target interaction table according to the structured data;

the management unit 1003 is configured to determine an interaction item in the target interaction table in response to an editing operation in a target interface;

the management unit 1003 is configured to determine editing information for the early warning rule based on the interaction item.

An embodiment of the present application further provides a terminal device, as shown in fig. 11, which is a schematic structural diagram of another terminal device provided in the embodiment of the present application, and for convenience of description, only a portion related to the embodiment of the present application is shown, and details of the specific technology are not disclosed, please refer to a method portion in the embodiment of the present application. The terminal may be any terminal device including a mobile phone, a tablet computer, a Personal Digital Assistant (PDA), a point of sale (POS), a vehicle-mounted computer, and the like, taking the terminal as the mobile phone as an example:

fig. 11 is a block diagram illustrating a partial structure of a mobile phone related to a terminal provided in an embodiment of the present application. Referring to fig. 11, the cellular phone includes: radio Frequency (RF) circuitry 1110, memory 1120, input unit 1130, display unit 1140, sensors 1150, audio circuitry 1160, wireless fidelity (WiFi) module 1170, processor 1180, and power supply 1190. Those skilled in the art will appreciate that the handset configuration shown in fig. 11 is not intended to be limiting and may include more or fewer components than those shown, or some components may be combined, or a different arrangement of components.

The following describes each component of the mobile phone in detail with reference to fig. 11:

RF circuit 1110 may be used for receiving and transmitting signals during a message transmission or call, and in particular, for receiving downlink messages from a base station and then processing the received downlink messages to processor 1180; in addition, the data for designing uplink is transmitted to the base station. In general, RF circuit 1110 includes, but is not limited to, an antenna, at least one amplifier, a transceiver, a coupler, a Low Noise Amplifier (LNA), a duplexer, and the like. In addition, the RF circuitry 1110 may also communicate with networks and other devices via wireless communications. The wireless communication may use any communication standard or protocol, including but not limited to global system for mobile communications (GSM), General Packet Radio Service (GPRS), Code Division Multiple Access (CDMA), Wideband Code Division Multiple Access (WCDMA), Long Term Evolution (LTE), email, Short Message Service (SMS), etc.

The memory 1120 may be used to store software programs and modules, and the processor 1180 may execute various functional applications and data processing of the mobile phone by operating the software programs and modules stored in the memory 1120. The memory 1120 may mainly include a storage program area and a storage data area, wherein the storage program area may store an operating system, an application program required by at least one function (such as a sound playing function, an image playing function, etc.), and the like; the storage data area may store data (such as audio data, a phonebook, etc.) created according to the use of the cellular phone, and the like. Further, the memory 1120 may include high speed random access memory, and may also include non-volatile memory, such as at least one magnetic disk storage device, flash memory device, or other volatile solid state storage device.

The input unit 1130 may be used to receive input numeric or character information and generate key signal inputs related to user settings and function control of the cellular phone. Specifically, the input unit 1130 may include a touch panel 1131 and other input devices 1132. The touch panel 1131, also referred to as a touch screen, can collect touch operations of a user on or near the touch panel 1131 (for example, operations of the user on or near the touch panel 1131 using any suitable object or accessory such as a finger, a stylus pen, etc., and a range of touch operations on the touch panel 1131 in an interval), and drive the corresponding connection device according to a preset program. Alternatively, the touch panel 1131 may include two parts, namely, a touch detection device and a touch controller. The touch detection device detects the touch direction of a user, detects a signal brought by touch operation and transmits the signal to the touch controller; the touch controller receives touch information from the touch sensing device, converts the touch information into touch point coordinates, sends the touch point coordinates to the processor 1180, and can receive and execute commands sent by the processor 1180. In addition, the touch panel 1131 can be implemented by using various types, such as resistive, capacitive, infrared, and surface acoustic wave. The input unit 1130 may include other input devices 1132 in addition to the touch panel 1131. In particular, other input devices 1132 may include, but are not limited to, one or more of a physical keyboard, function keys (e.g., volume control keys, switch keys, etc.), a trackball, a mouse, a joystick, and the like.

The display unit 1140 may be used to display information input by the user or information provided to the user and various menus of the cellular phone. The display unit 1140 may include a display panel 1141, and optionally, the display panel 1141 may be configured in the form of a Liquid Crystal Display (LCD), an organic light-emitting diode (OLED), or the like. Further, the touch panel 1131 can cover the display panel 1141, and when the touch panel 1131 detects a touch operation on or near the touch panel, the touch panel is transmitted to the processor 1180 to determine the type of the touch event, and then the processor 1180 provides a corresponding visual output on the display panel 1141 according to the type of the touch event. Although in fig. 11, the touch panel 1131 and the display panel 1141 are two independent components to implement the input and output functions of the mobile phone, in some embodiments, the touch panel 1131 and the display panel 1141 may be integrated to implement the input and output functions of the mobile phone.

The handset may also include at least one sensor 1150, such as a light sensor, motion sensor, and other sensors. Specifically, the light sensor may include an ambient light sensor and a proximity sensor, wherein the ambient light sensor may adjust the brightness of the display panel 1141 according to the brightness of ambient light, and the proximity sensor may turn off the display panel 1141 and/or the backlight when the mobile phone moves to the ear. As one of the motion sensors, the accelerometer sensor can detect the magnitude of acceleration in each direction (generally, three axes), can detect the magnitude and direction of gravity when stationary, and can be used for applications of recognizing the posture of a mobile phone (such as horizontal and vertical screen switching, related games, magnetometer posture calibration), vibration recognition related functions (such as pedometer and tapping), and the like; as for other sensors such as a gyroscope, a barometer, a hygrometer, a thermometer, and an infrared sensor, which can be configured on the mobile phone, further description is omitted here.

Audio circuitry 1160, speakers 1161, and microphone 1162 may provide an audio interface between a user and a cell phone. The audio circuit 1160 may transmit the electrical signal converted from the received audio data to the speaker 1161, and convert the electrical signal into a sound signal for output by the speaker 1161; on the other hand, the microphone 1162 converts the collected sound signals into electrical signals, which are received by the audio circuit 1160 and converted into audio data, which are then processed by the audio data output processor 1180, and then transmitted to, for example, another cellular phone via the RF circuit 1110, or output to the memory 1120 for further processing.

WiFi belongs to short-distance wireless transmission technology, and the cell phone can help a user to receive and send e-mails, browse webpages, access streaming media and the like through the WiFi module 1170, and provides wireless broadband internet access for the user. Although fig. 11 shows the WiFi module 1170, it is understood that it does not belong to the essential constitution of the handset, and can be omitted entirely as needed within the scope not changing the essence of the invention.

The processor 1180 is a control center of the mobile phone, and is connected to various parts of the whole mobile phone through various interfaces and lines, and executes various functions of the mobile phone and processes data by operating or executing software programs and/or modules stored in the memory 1120 and calling data stored in the memory 1120, thereby performing overall monitoring of the mobile phone. Optionally, processor 1180 may include one or more processing units; optionally, the processor 1180 may integrate an application processor and a modem processor, wherein the application processor mainly handles operating systems, user interfaces, application programs, and the like, and the modem processor mainly handles wireless communications. It will be appreciated that the modem processor described above may not be integrated within processor 1180.

The mobile phone further includes a power supply 1190 (e.g., a battery) for supplying power to each component, and optionally, the power supply may be logically connected to the processor 1180 through a power management system, so that functions of managing charging, discharging, power consumption management, and the like are implemented through the power management system.

Although not shown, the mobile phone may further include a camera, a bluetooth module, etc., which are not described herein.

In the embodiment of the present application, the processor 1180 included in the terminal further has a function of executing the steps of the page processing method.

Referring to fig. 12, fig. 12 is a schematic structural diagram of a server according to an embodiment of the present invention, where the server 1200 may have a relatively large difference due to different configurations or performances, and may include one or more Central Processing Units (CPUs) 1222 (e.g., one or more processors) and a memory 1232, and one or more storage media 1230 (e.g., one or more mass storage devices) storing an application program 1242 or data 1244. Memory 1232 and storage media 1230 can be, among other things, transient storage or persistent storage. The program stored in the storage medium 1230 may include one or more modules (not shown), each of which may include a series of instruction operations for the server. Still further, the central processor 1222 may be configured to communicate with the storage medium 1230, to execute a series of instruction operations in the storage medium 1230 on the server 1200.

The server 1200 may also include one or more power supplies 1226, one or more wired or wireless network interfaces 1250, one or more input-output interfaces 1258, and/or one or more operating systems 1241, such as Windows Server, Mac OS XTM, UnixTM, LinuxTM, FreeBSDTM, etc.

The steps performed by the management apparatus in the above-described embodiment may be based on the server configuration shown in fig. 12.

Also provided in embodiments of the present application is a computer-readable storage medium having stored therein risk management instructions for a financial product, which when executed on a computer, cause the computer to perform the steps performed by the risk management apparatus for a financial product in the method as described in the foregoing embodiments shown in fig. 2 to 12.

Also provided in embodiments of the present application is a computer program product comprising risk management instructions for a financial product, which when run on a computer, causes the computer to perform the steps performed by the risk management apparatus for a financial product in the method as described in the embodiments of fig. 2 to 12 above.

The embodiment of the present application further provides a risk management system for a financial product, which may include a risk management apparatus for a financial product in the embodiment described in fig. 10, or a terminal device in the embodiment described in fig. 11, or a server described in fig. 12.

It is clear to those skilled in the art that, for convenience and brevity of description, the specific working processes of the above-described systems, apparatuses and units may refer to the corresponding processes in the foregoing method embodiments, and are not described herein again.

In the several embodiments provided in the present application, it should be understood that the disclosed system, apparatus and method may be implemented in other manners. For example, the above-described apparatus embodiments are merely illustrative, and for example, the division of the units is only one logical division, and other divisions may be realized in practice, for example, a plurality of units or components may be combined or integrated into another system, or some features may be omitted, or not executed. In addition, the shown or discussed mutual coupling or direct coupling or communication connection may be an indirect coupling or communication connection through some interfaces, devices or units, and may be in an electrical, mechanical or other form.

The units described as separate parts may or may not be physically separate, and parts displayed as units may or may not be physical units, may be located in one place, or may be distributed on a plurality of network units. Some or all of the units can be selected according to actual needs to achieve the purpose of the solution of the embodiment.

In addition, functional units in the embodiments of the present application may be integrated into one processing unit, or each unit may exist alone physically, or two or more units are integrated into one unit. The integrated unit can be realized in a form of hardware, and can also be realized in a form of a software functional unit.

The integrated unit, if implemented in the form of a software functional unit and sold or used as a stand-alone product, may be stored in a computer readable storage medium. Based on such understanding, the technical solution of the present application 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 risk management device of a financial product, or a network device) to perform all or part of the steps of the method according to the embodiments of the present application. And the aforementioned storage medium includes: various media capable of storing program codes, such as a usb disk, a removable hard disk, a read-only memory (ROM), a Random Access Memory (RAM), a magnetic disk, or an optical disk.

The above embodiments are only used for illustrating the technical solutions of the present application, and not for limiting the same; although the present application has been described in detail with reference to the foregoing embodiments, it should be understood by those of ordinary skill in the art that: the technical solutions described in the foregoing embodiments may still be modified, or some technical features may be equivalently replaced; and such modifications or substitutions do not depart from the spirit and scope of the corresponding technical solutions in the embodiments of the present application.

Claims

1. A method for risk management of a financial product, comprising:

2. The method of claim 1, wherein comparing the financial product data to pre-warning rules to obtain pre-warning results in response to the triggering of the acquisition process comprises:

comparing the financial product data with local product data to obtain comparison information;

if the comparison information indicates that difference information exists in the acquired data, triggering the acquisition process;

and comparing the financial product data with an early warning rule to obtain an early warning result.

3. The method of claim 2, wherein comparing the financial product data with local product data to obtain comparison information comprises:

determining a data table corresponding to the financial product data, wherein the data table is used for indicating the corresponding relation between data items and data values;

and comparing the local product data with the data table based on the data table to obtain the comparison information.

4. The method of claim 2, wherein comparing the financial product data to pre-warning rules to obtain pre-warning results comprises:

converting the financial product data into target format data based on format rules, wherein the format rules are set based on the early warning rules;

and comparing the target format data with the early warning rule to obtain the early warning result.

5. The method of claim 2, further comprising:

determining a difference item corresponding to the difference information in the local product data;

updating the local product data based on the difference item.

6. The method of claim 1, wherein generating the corresponding risk response based on the early warning result comprises:

if the early warning result indicates that the financial product information has risks, extracting the product information or the management information in the financial product information;

generating a corresponding risk response based on the product information or the management information.

7. The method of claim 6, wherein generating the corresponding risk response based on the product information or the management information comprises:

determining a risk item corresponding to the product information or the management information;

traversing the local product data based on the risk items to obtain early warning items;

and generating corresponding risk response according to the early warning item.

8. The method of claim 1, wherein the monitoring in real-time of the acquisition process for financial product data comprises:

determining at least one information source corresponding to the financial product data;

setting a data acquisition mode based on the information source;

and monitoring the acquisition process in real time based on the data acquisition mode.

9. The method according to any one of claims 1-8, further comprising:

acquiring a timing detection script;

detecting the early warning rule based on a time period corresponding to the timing detection script to acquire change information of the early warning rule;

and updating the early warning rule based on the change information.

10. The method according to any one of claims 1-8, further comprising:

determining editing information for the early warning rule in response to an editing operation in a target interface;

determining structured data corresponding to the early warning rule;

and adjusting the structured data based on the editing information so as to update the early warning rule.

11. The method of claim 10, wherein determining the edit information for the pre-warning rule in response to an edit operation in a target interface comprises:

generating a target interaction table according to the structured data;

determining an interactive item in the target interactive table in response to an editing operation in a target interface;

determining edit information for the pre-warning rule based on the interaction item.

12. The method of claim 1, wherein the product information includes underlying asset information, product type information, or network valuation information corresponding to the financial product, wherein the management information includes financial institution information, manager information, and management age information corresponding to the financial product, and wherein the risk avoidance operation includes listing a financial product corresponding to the financial product data.

13. A risk management device for financial products, comprising:

a monitoring unit for monitoring in real time an acquisition process for financial product data, the financial product data including at least one of product information or management information;

14. A computer device, the computer device comprising a processor and a memory:

the memory is used for storing program codes; the processor is configured to execute the method of risk management of a financial product of any one of claims 1 to 12 in accordance with instructions in the program code.

15. A computer-readable storage medium having stored therein instructions which, when run on a computer, cause the computer to perform the method of risk management of a financial product of any one of claims 1 to 12 above.