CN112541827A - Intelligent investment amount configuration method and device - Google Patents

Intelligent investment amount configuration method and device Download PDF

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CN112541827A
CN112541827A CN202011437445.8A CN202011437445A CN112541827A CN 112541827 A CN112541827 A CN 112541827A CN 202011437445 A CN202011437445 A CN 202011437445A CN 112541827 A CN112541827 A CN 112541827A
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李毅
王永亮
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China Citic Bank Corp Ltd
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Abstract

The invention relates to the technical field of financial science and technology, in particular to an intelligent investment amount configuration method and device. The method comprises the following steps: receiving a weight setting of at least one investment index of the investment product by the client; wherein the investment product is an investment product having a sales allowance; calculating the matching basis score of each investment product on the platform according to the investment index weight setting scheme of the client and a preset configuration algorithm; arranging the investment products according to a sorting rule of matching basic scores from high to low; and completing the configuration of the investment money of the client according to the sales limit of the sequenced investment products. The intelligent allocation scheme for the investment amount can avoid the inconvenience that an investment manager manually allocates the investment amount for a client, so that the client can independently obtain the allocation scheme for the investment amount meeting the requirements on an investment product sales platform, and the allocation efficiency of the client investment combination scheme is improved.

Description

Intelligent investment amount configuration method and device
Technical Field
The invention relates to the technical field of financial science and technology, in particular to an intelligent investment amount configuration method and device.
Background
The fund affiliation platform for finance clients has huge client investment amount, but the single client sales limit (hereinafter referred to as sales limit) provided by the fund company for the affiliation platform is limited, and the sales limit of the fund for different investment periods is greatly different. Therefore, the single planned investment amount of the client often greatly exceeds the sales amount of the single product sold on the platform, and the client has to browse the sales amount of each product one by one, judge the matching degree with the investment preference of the client and manually select the investment combination. The method has low efficiency, lacks quantitative basis and is difficult to achieve the effect of combined investment.
Disclosure of Invention
The present application aims to solve at least one of the above technical drawbacks. The technical scheme adopted by the application is as follows:
in a first aspect, an embodiment of the present application discloses an intelligent investment amount configuration method, where the method includes:
receiving a weight setting of at least one investment index of the investment product by the client; wherein the investment product is an investment product having a sales allowance;
calculating the matching basis score of each investment product on the platform according to the investment index weight setting scheme of the client and a preset configuration algorithm;
arranging the investment products according to a sorting rule of matching basic scores from high to low;
and completing the configuration of the investment money of the client according to the sales limit of the sequenced investment products.
Further, the investment indicators include, but are not limited to: annual rate of return, ten thousand rate of return in the reference period, income ranking in the reference period, and limit of the holding period of the investment product.
Further, the preset configuration algorithm includes:
Figure BDA0002828971560000021
wherein the content of the first and second substances,
represents a multiplication algorithm;
n represents the number of investment indexes concerned by the client;
Wiis the weight of the investment index i;
Zithe score of the investment product A on index i is shown.
Further, the score Z of the investment product A on index iiFurther comprising:
Zi＝(Xi-Xi_bar)/Si(ii) a Wherein the content of the first and second substances,
the expression/represents a division algorithm;
Xiis the original value of the index i;
Xibar is the mean value of index i of all on-sale investment products on the platform;
Siis based on the standard deviation of index i for all products on sale.
Further, the method further comprises:
step 1, acquiring historical investment data of the client on a platform;
step 2, correcting the matching basic score of each investment product according to the historical investment data of the client and a preset correction algorithm to obtain the matching correction score of each investment product; wherein the historical investment data of the customer includes, but is not limited to: setting parameters for the weight of the investment index, past investment products, deleted investment products, white list of investment products and historical investment total;
and 3, arranging the investment products according to a sorting rule of the matching correction scores from high to low.
Further, the preset correction algorithm includes:
matching correction score of A investment product (matching base score of A investment product) (1+ I)A)/dA(ii) a Wherein the content of the first and second substances,
represents a multiplication algorithm;
code division algorithm
IARepresenting the historical investment rate of the investment product A; wherein the historical investment rate is the ratio of the accumulated amount of the investment product of the client investment A to the total investment amount of the client in a reference time interval;
dArepresents a rejection coefficient; wherein d isAFurther comprising:
when N is less than or equal to K, dA＝1；
When N is present>When K is, the dA＝N-k+1；
Wherein said N represents the number of times said client deletes investment product A within a reference time interval;
and K is a preset deleting time threshold.
Further, the method further comprises: receiving the setting of splitting items of the investment amount of the client; and setting and sequencing the sales limit of the investment products according to the splitting items of the client to complete the configuration of the investment amount of the client.
Further, after completing the configuration of the client investment amount, the method further comprises: and receiving the custom modification of the investment amount configuration scheme by the client.
In a second aspect, an embodiment of the present application provides an apparatus for intelligently configuring an investment amount, where the apparatus includes: the device comprises a setting module, a storage module, a calculation module, a sequencing module and a configuration module; wherein the content of the first and second substances,
the setting module is used for receiving the weight setting of at least one investment index of the investment product by the client; wherein the investment product is an investment product having a sales allowance;
the storage module is used for storing the investment index weight setting scheme and the preset configuration algorithm of the client;
the computing module is used for computing the matching basis score of each investment product on the platform according to the investment index weight setting scheme of the client and a preset configuration algorithm;
the sorting module is used for arranging the investment products according to a sorting rule that the matching basic score is from high to low;
and the configuration module is used for completing the configuration of the investment money of the client according to the sales limit of the sequenced investment products.
Further, the preset configuration algorithm stored in the storage module specifically includes:
Figure BDA0002828971560000031
Figure BDA0002828971560000032
wherein the content of the first and second substances,
represents a multiplication algorithm;
n represents the number of investment indexes concerned by the client;
Wiis the weight of the investment index i;
Zithe score of the investment product A on the index i is shown; wherein ZiFurther comprises the following steps:
Zi＝(Xi-Xi_bar)/Si(ii) a Wherein the content of the first and second substances,
the expression/represents a division algorithm;
Xiis the original value of the index i;
Xibar is the mean value of index i of all on-sale investment products on the platform;
Siis based on the standard deviation of index i for all products on sale.
The device further comprises a correction module, wherein the correction module is used for acquiring historical investment data of the client on a platform and correcting the matching basis score of each investment product according to the historical investment data of the client and a preset correction algorithm to acquire the matching correction score of each investment product; wherein the historical investment data of the customer includes, but is not limited to: setting parameters for the weight of the investment index, past investment products, deleted investment products, white list of investment products and historical investment total; and the sorting module is used for sorting the investment products according to a sorting rule that the matching correction score is from high to low.
In a third aspect, an embodiment of the present application provides an electronic device, including a processor and a memory;
the memory is used for storing operation instructions;
the processor is configured to execute the method in any of the embodiments by calling the operation instruction.
In a fourth aspect, the present application provides a computer-readable storage medium, on which a computer program is stored, and when the computer program is executed by a processor, the computer program implements the method of any one of the above embodiments.
The embodiment of the application provides an intelligent allocation scheme of the investment amount, which realizes the intelligent allocation of the investment amount of different investment products to a client by collecting the investment preference of the client and adopting an investment amount allocation algorithm designed by integrating multi-angle factors according to the setting of client investment indexes.
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In order to more clearly illustrate the technical solutions in the embodiments of the present application, the drawings used in the description of the embodiments of the present application will be briefly described below.
Fig. 1 is a schematic flow chart of an intelligent allocation method for investment money according to an embodiment of the present application;
FIG. 2 is a schematic diagram of an intelligent allocation apparatus for investment money according to an embodiment of the present application;
fig. 3 is a schematic structural diagram of an electronic device according to an embodiment of the present application.
Detailed Description
Reference will now be made in detail to embodiments of the present application, examples of which are illustrated in the accompanying drawings, wherein like or similar reference numerals refer to the same or similar elements or elements having the same or similar function throughout. The embodiments described below with reference to the drawings are exemplary only for the purpose of explaining the present application and are not to be construed as limiting the present invention.
It will be understood by those skilled in the art that, unless otherwise specified, the singular forms "a", "an", "the" and "the" may include the plural forms, and the plural forms "a", "an", "a", and "the" are merely intended to illustrate the object definition for clarity and do not limit the object itself, and certainly, the object definition for "a" and "an" may be the same terminal, device, user, etc., and may also be the same terminal, device, user, etc. It will be further understood that the terms "comprises" and/or "comprising," when used in this specification, specify the presence of stated features, integers, steps, operations, elements, and/or components, but do not preclude the presence or addition of one or more other features, integers, steps, operations, elements, components, and/or groups thereof. As used herein, the term "and/or" includes all or any element and all combinations of one or more of the associated listed items.
In addition, it is to be understood that "at least one" in the embodiments of the present application means one or more, "a plurality" means two or more. "and/or" describes the association relationship of the associated objects, meaning that there may be three relationships, e.g., a and/or B, which may mean: a alone, both A and B, and B alone, where A, B may be singular or plural. The character "/" generally indicates that the former and latter associated objects are in an "or" relationship. "at least one of the following" or similar expressions refer to any combination of these items, including any combination of the singular or plural items. For example, at least one (one) of a, b, or c, may represent: a, b, c, a and b, a and c, b and c, or a, b and c, wherein a, b and c can be single or multiple.
To make the objects, technical solutions and advantages of the present application more clear, embodiments of the present application will be described in further detail below with reference to the accompanying drawings.
The following describes some concepts, terms or devices that may be used or are used to aid in the explanation of the embodiments' technical solutions:
investment products having sales limits refer to investment products having a limit on the amount of the investment product that can be purchased (including total or balance) and/or on the amount or amount of money that can be sold per customer, for example, a total amount of money for a fund product that can be purchased is 100000 RMB 1 billion dollars, while requiring that each customer purchase only up to 1000 shares. The investment product sales platform will allocate sales limits of different position-taking periods for each investment product. The posted limit is a general sales limit, while for monthly funds and season-crossing funds, higher sales limits are typically set. The graded quota setting mode is more flexible, and more targeted quota allocation is favorably carried out on funds in different investment deadlines.
The following describes the technical solutions of the present application and how to solve the above technical problems with specific embodiments. The following several specific embodiments may be combined with each other, and details of the same or similar concepts or processes may not be repeated in some embodiments. Embodiments of the present application will be described below with reference to the accompanying drawings.
The following describes the technical solutions of the present application and how to solve the above technical problems with specific embodiments. The following several specific embodiments may be combined with each other, and details of the same or similar concepts or processes may not be repeated in some embodiments. Embodiments of the present application will be described below with reference to the accompanying drawings.
Fig. 1 shows a schematic flow chart of intelligent allocation of an investment amount according to an embodiment of the present application, and as shown in fig. 1, the method mainly includes:
s101, receiving weight setting of at least one investment index of a client on an investment product; wherein the investment product is an investment product having a sales allowance;
in a further optional embodiment, the investment index includes, but is not limited to, at least one of: annual rate of return, ten thousand rate of return in the reference period, income ranking in the reference period, and limit of the holding period of the investment product. For example, the customer may set a bias coefficient according to a plurality of indexes of the fund product to require the platform to recommend the fund product according to the bias when the customer invests the fund product, for example, if the customer pays more attention to the seven-day annual rate when investing the fund product, the customer may set the weight (attention) of the index to be 80% on an index weight setting interface of the platform, and the attention of other fund indexes to be 20%, and the system may recommend the product according to the attention set by the customer or enter the calculation main index of the product recommendation arrangement according to the attention.
In an alternative embodiment, the issuing company of the investment product may dynamically adjust the limit of the amount of the investment product that the user can purchase according to the predetermined period of time that the user holds the investment product, wherein the predetermined period of time may be in units of month, quarter and year.
S102, calculating a matching basis score of each investment product on the platform according to an investment index weight setting scheme of a client and a preset configuration algorithm;
in a further optional embodiment, the preset configuration algorithm comprises:
Figure BDA0002828971560000071
wherein the content of the first and second substances,
represents a multiplication algorithm;
n represents the number of investment indexes concerned by the client;
Wiis the weight of the investment index i;
Zithe score of the investment product A on index i is shown.
In a further alternative embodiment, the investment product A scores Z on index iiFurther comprising:
Zi＝(Xi-Xi_bar)/Si(ii) a Wherein the content of the first and second substances,
the expression/represents a division algorithm;
Xiis the original value of the index i;
Xibar is the mean value of index i of all on-sale investment products on the platform;
Siis based on the standard deviation of index i for all products on sale.
S103, arranging the investment products according to a sorting rule of the matching basic scores from high to low;
s104, the investment money of the client is configured according to the sales limit of the sequenced investment products. Wherein the investment amount of the customer is a balance within an investment account currently remaining available to the customer for investment products. And the step of completing the configuration of the investment money of the client according to the sales limit of the sorted investment products is to purchase the sorted investment products in sequence according to the sales limit of the sorted investment products until the investment money is 0. For example, if the investment amount of a client is 100 ten thousand yuan, and the investment limits of the top five investment product sequences of A, B, C, D and E are 20 ten thousand, 50 ten thousand, 30 ten thousand, 10 ten thousand and 40 ten thousand respectively, then the 100 ten thousand investment amount of the client can be configured to be 20 ten thousand for A product, 50 ten thousand for B product and 30 ten thousand for C product, that is, the configuration of the investment product for the client is stopped.
In a preferred embodiment, before step S103, the method further comprises:
step 1, acquiring historical investment data of the client on a platform;
step 2, correcting the matching basic score of each investment product according to the historical investment data of the client and a preset correction algorithm to obtain the matching correction score of each investment product; wherein the historical investment data of the customer includes, but is not limited to: setting parameters for the weight of the investment index, past investment products, deleted investment products, white list of investment products and historical investment total; wherein the preset correction algorithm is as follows:
matching correction score of A investment product (matching basis score of A investment product) (1+ I)A)/dA(ii) a Wherein the content of the first and second substances,
represents a multiplication algorithm;
code division algorithm
IARepresenting the historical investment rate of the investment product A; wherein the historical investment rate is the ratio of the accumulated amount of the investment product of the client investment A to the total investment amount of the client in a reference time interval;
dArepresents a rejection coefficient; wherein d isAFurther comprising:
when N is less than or equal to K, dA＝1；
When N is present>When K is, the dA＝N-k+1；
Wherein said N represents the number of times said client deletes investment product A within a reference time interval;
and K is a preset deleting time threshold.
And 3, arranging the investment products according to a sorting rule of the matching correction scores from high to low. This step may replace S103 in the above embodiment in a preferred embodiment.
In a further optional embodiment, the method further comprises:
step 1, receiving the setting of splitting items of the investment amount of a client; for example, the client sets up to split the investment amount into 4 sheets at most for transaction;
and 2, setting and sequencing the sales limit of the investment products according to the split items of the client, and completing the configuration of the investment amount of the client.
In a further optional embodiment, after completing the configuration of the customer investment amount, the method further comprises: and receiving the custom modification of the investment amount configuration scheme by the client, namely the client can check whether the investment amount configuration scheme generated by the system meets the own investment will, and if the configuration scheme needs to be adjusted, the client can manually adjust the configuration combination and then submit the configuration combination to the system again. At this time, the system records the behavior of the client, corrects the client investment preference portrait in the database, and then returns to step 2 in the above embodiment (the matching basic score of each investment product is corrected according to the historical investment data of the client and the preset correction algorithm to obtain the matching correction score of each investment product) to calculate the matching score of the investment product again. After a plurality of interactions with the client, a more accurate investment preference portrait can be gradually formed, an investment quota configuration combination meeting the needs of the client can be obtained, and the purchase transaction is finally completed.
In a specific preferred embodiment, the implementation process of the investment amount preferred configuration scheme is as follows:
the first step is as follows: the client sets the weight of the investment index of the investment product (such as the seven-day annual profitability, the ten-thousand profitability, the income ranking of nearly 1 month, the income ranking of nearly 3 months and the income ranking of nearly half a year), and submits the investment amount, the period of planned possession and the number of the split items (namely split items) of the planned investment together.
Secondly, the platform system calculates the matching basis scores of each investment product on the sales platform and the investment preference of the client according to the index weight set by the client and a preset configuration algorithm;
and thirdly, correcting the matching basic score of each investment product by combining the historical behaviors of the client, and calculating the matching correction score of each investment product by using a correction algorithm.
Fourthly, arranging the investment products according to the matching correction of the investment products from high to low;
and fifthly, completing configuration of the investment money of the client according to the sales limit of the sequenced investment products. The configuration process is specifically that the fund products sold in the market are sequentially traversed from high to low according to the matching degree ranking, and the sales limit of the corresponding period of the product is read according to the planned position period submitted by the client. If the sale limit is less than the residual investment, the total sale limit of the product is added into the investment combination, and the corresponding residual investment is deducted. Continuously traversing the fund product; if the sale limit is larger than or equal to the residual investment amount, the product is counted into the investment combination, the counted amount is the current residual investment amount, the residual investment amount is reset, and the fund product is stopped traversing. When the number of the traversed products reaches the upper limit of the number of the detached strips set by the client, if the residual investment amount is still larger than 0, the current investment combination needs to be corrected, and the correction mode is as follows: and eliminating the product with the minimum sale limit (equal limit, eliminating the product with the lowest matching degree rank), and supplementing other products according to the matching degree rank, and so on until the client investment sum is met (namely the residual investment sum is equal to 0).
Sixth, customer review and decision making. That is, after reviewing the investment amount allocation combination recommended by the system algorithm, the client can adjust the investment products in the combination according to the intention of the client. The system recalculates the configuration combination based on the adjustment behavior of the client and feeds back the configuration combination to the user. After a satisfactory investment portfolio is obtained through a plurality of rounds of interaction, the customer clicks a 'one-click order-placing' button to complete the transaction order of each product in the portfolio.
The investment amount intelligent configuration scheme provided by the embodiment of the application is suitable for financial investment business varieties of a financial industry-sharing sales platform or sales service systems of other industries, and especially under the scene that the purchase amount is large and the inventory amount of single goods is limited, a combined purchase configuration scheme is recommended to a customer. The investment product matching correction rule and the related parameters in the embodiment of the application can be set according to the characteristics of different service varieties, and can also be placed on a client platform according to actual needs, and the requirements of different users can be flexibly met through personalized setting by the users.
Based on the intelligent allocation method for investment money shown in fig. 1, in another aspect, an embodiment of the present application provides an intelligent allocation apparatus for investment money, which is shown in fig. 2, and the apparatus may include: a 201 setting module, a 202 storage module, a 203 calculation module, a 204 sorting module and a 205 configuration module; wherein the content of the first and second substances,
the 201 setting module is used for receiving the weight setting of at least one investment index of the investment product by the client; wherein the investment product is an investment product having a sales allowance;
the 202 storage module is used for storing the investment index weight setting scheme and the preset configuration algorithm of the client;
the 203 calculation module is used for calculating the matching basis score of each investment product on the platform according to the investment index weight setting scheme of the client and a preset configuration algorithm;
the 204 sorting module is used for arranging the investment products according to a sorting rule that the matching basic score is from high to low;
the 205 configuration module is configured to configure the investment amount of the customer according to the sales allowance of the sorted investment products.
Further, the preset configuration algorithm stored in the storage module 202 is specifically:
Figure BDA0002828971560000101
Figure BDA0002828971560000102
wherein the content of the first and second substances,
represents a multiplication algorithm;
n represents the number of investment indexes concerned by the client;
Wifor investment indexThe weight of the label i;
Zithe score of the investment product A on the index i is shown; wherein ZiFurther comprises the following steps:
Zi＝(Xi-Xi_bar)/Si(ii) a Wherein the content of the first and second substances,
the expression/represents a division algorithm;
Xiis the original value of the index i;
Xibar is the mean value of index i of all on-sale investment products on the platform;
Siis based on the standard deviation of index i for all products on sale.
Further, the device further comprises a 206 correction module, wherein the 206 correction module is used for acquiring historical investment data of the client on a platform, and correcting the matching base score of each investment product according to the historical investment data of the client and a preset correction algorithm to acquire a matching correction score of each investment product; wherein the historical investment data of the customer includes, but is not limited to: setting parameters for the weight of the investment index, past investment products, deleted investment products, white list of investment products and historical investment total; and the 204 sorting module is used for arranging the investment products according to the sorting rule of the matching corrected score from high to low.
It is to be understood that the above-described respective constituent devices of the investment amount intelligent configuration apparatus in the present embodiment have functions to realize the respective steps of the method in the embodiment shown in fig. 1. The function can be realized by hardware, and can also be realized by executing corresponding software by hardware. The hardware or software includes one or more modules or systems corresponding to the above-described functions. The modules and systems can be software and/or hardware, and the modules and systems can be realized independently or integrated by a plurality of modules and systems. For the functional description of each module and system, reference may be specifically made to the corresponding description of the method in the embodiment shown in fig. 1, and therefore, the beneficial effects that can be achieved by the method may refer to the beneficial effects in the corresponding method provided above, which are not described again here.
It is to be understood that the illustrated structure of the embodiment of the present invention does not constitute a specific limitation to the specific structure of the investment amount intelligent configuration apparatus. In other embodiments of the present application, the investment amount intelligent configuration apparatus may include more or fewer components than shown, or some components may be combined, some components may be split, or a different arrangement of components. The illustrated components may be implemented in hardware, software, or a combination of software and hardware.
The embodiment of the application provides an electronic device, which comprises a processor and a memory;
a memory for storing operating instructions;
and the processor is used for executing the intelligent investment amount configuration method provided by any embodiment of the application by calling the operation instruction.
As an example, fig. 3 shows a schematic structural diagram of an electronic device to which the embodiment of the present application is applied, and as shown in fig. 3, the electronic device 300 includes: a processor 301 and a memory 303. Wherein processor 301 is coupled to memory 303, such as via bus 302. Optionally, the electronic device 300 may further include a transceiver 304. It should be noted that the practical application of the transceiver 304 is not limited to one. It is to be understood that the illustrated structure of the embodiment of the present invention does not constitute a specific limitation to the specific structure of the electronic device 300. In other embodiments of the present application, electronic device 300 may include more or fewer components than shown, or some components may be combined, some components may be split, or a different arrangement of components. The illustrated components may be implemented in hardware, software, or a combination of software and hardware. Optionally, the electronic device may further include a display screen 305 for displaying images or receiving operation instructions of a user as needed.
The processor 301 is applied to the embodiment of the present application, and is configured to implement the method shown in the foregoing method embodiment. The transceiver 304 may include a receiver and a transmitter, and the transceiver 304 is applied in the embodiment of the present application and is used for implementing the function of the electronic device of the embodiment of the present application to communicate with other devices when executed.
The Processor 301 may be a CPU (Central Processing Unit), a general-purpose Processor, a DSP (Digital Signal Processor), an ASIC (Application Specific Integrated Circuit), an FPGA (Field Programmable Gate Array) or other Programmable logic device, a transistor logic device, a hardware component, or any combination thereof. Which may implement or perform the various illustrative logical blocks, modules, and circuits described in connection with the disclosure. The processor 301 may also be a combination of computing functions, e.g., comprising one or more microprocessors, a combination of a DSP and a microprocessor, or the like.
Processor 301 may also include one or more processing units, such as: the processor 301 may include an Application Processor (AP), a modem processor, a Graphics Processing Unit (GPU), an Image Signal Processor (ISP), a controller, a memory, a video codec, a Digital Signal Processor (DSP), a baseband processor, and/or a Neural-Network Processing Unit (NPU), etc. The different processing units may be separate devices or may be integrated into one or more processors. The controller may be, among other things, a neural center and a command center of the electronic device 300. The controller can generate an operation control signal according to the instruction operation code and the timing signal to complete the control of instruction fetching and instruction execution. A memory may also be provided in processor 301 for storing instructions and data. In some embodiments, the memory in the processor 301 is a cache memory. The memory may hold instructions or data that have just been used or recycled by the processor 301. If the processor 301 needs to reuse the instruction or data, it can be called directly from the memory. Avoiding repeated accesses reduces the latency of the processor 301, thereby increasing the efficiency of the system.
The processor 301 may operate the investment amount intelligent configuration method provided by the embodiment of the present application, so as to reduce the operation complexity of the user, improve the intelligent degree of the terminal device, and improve the user experience. The processor 301 may include different devices, for example, when the CPU and the GPU are integrated, the CPU and the GPU may cooperate to execute the investment amount intelligent configuration method provided in the embodiment of the present application, for example, part of algorithms in the investment amount intelligent configuration method is executed by the CPU, and another part of algorithms is executed by the GPU, so as to obtain faster processing efficiency.
Bus 302 may include a path that transfers information between the above components. The bus 302 may be a PCI (Peripheral Component Interconnect) bus, an EISA (Extended Industry Standard Architecture) bus, or the like. The bus 302 may be divided into an address bus, a data bus, a control bus, and the like. For ease of illustration, only one thick line is shown in FIG. 3, but this does not mean only one bus or one type of bus.
The Memory 303 may be a ROM (Read Only Memory) or other type of static storage device that can store static information and instructions, a RAM (Random Access Memory) or other type of dynamic storage device that can store information and instructions, an EEPROM (Electrically Erasable Programmable Read Only Memory), a CD-ROM (Compact disk), a high speed Random Access Memory, a non-volatile Memory such as at least one magnetic disk storage device, a flash Memory device, a universal flash Memory (UFS), or other optical disk storage, optical disk storage (including Compact disk, laser disk, optical disk, digital versatile disk, blu-ray disk, etc.), a magnetic disk storage medium or other magnetic storage device, a magnetic disk storage medium, or other magnetic storage device, Or any other medium which can be used to carry or store desired program code in the form of instructions or data structures and which can be accessed by a computer, but is not limited to such.
Optionally, the memory 303 is used for storing application program codes for executing the scheme of the present application, and is controlled by the processor 301 to execute. The processor 301 is configured to execute application program code stored in the memory 303 to implement the intelligent allocation method for investment money provided in any of the embodiments of the present application.
The memory 303 may be used to store computer-executable program code, which includes instructions. The processor 301 executes various functional applications of the electronic device 300 and data processing by executing instructions stored in the memory 303. The memory 303 may include a program storage area and a data storage area. Wherein, the storage program area can store the codes of the operating system and the application program, etc. The storage data area may store data created during use of the electronic device 300 (e.g., images, video, etc. captured by a camera application), and the like.
The memory 303 may further store one or more computer programs corresponding to the intelligent investment amount configuration method provided by the embodiment of the present application. The one or more computer programs stored in the memory 303 and configured to be executed by the one or more processors 301 include instructions that may be used to perform the various steps in the respective embodiments described above.
Of course, the codes of the intelligent investment amount configuration method provided by the embodiment of the application can also be stored in the external memory. In this case, the processor 301 may execute the code of the intelligent allocation method of the investment money stored in the external memory through the external memory interface, and the processor 301 may control the execution of the intelligent allocation flow of the investment money.
The display screen 305 includes a display panel. The display panel may be a Liquid Crystal Display (LCD), an organic light-emitting diode (OLED), an active-matrix organic light-emitting diode (active-matrix organic light-emitting diode, AMOLED), a flexible light-emitting diode (FLED), a miniature, a Micro-oeld, a quantum dot light-emitting diode (QLED), or the like. In some embodiments, the electronic device 300 may include 1 or N display screens 305, N being a positive integer greater than 1. The display screen 305 may be used to display information input by or provided to the user as well as various Graphical User Interfaces (GUIs). For example, the display screen 305 may display a photograph, video, web page, or file, etc.
The electronic device provided by the embodiment of the present application is applicable to any embodiment of the above method, and therefore, the beneficial effects that can be achieved by the electronic device can refer to the beneficial effects in the corresponding method provided above, and are not described again here.
The embodiment of the application provides a computer readable storage medium, and a computer program is stored on the computer readable storage medium, and when the program is executed by a processor, the intelligent allocation method for the investment amount shown in the method embodiment is realized.
The computer-readable storage medium provided in the embodiments of the present application is applicable to any embodiment of the foregoing method, and therefore, the beneficial effects that can be achieved by the computer-readable storage medium can refer to the beneficial effects in the corresponding method provided above, and are not described herein again.
The embodiment of the present application further provides a computer program product, which when running on a computer, causes the computer to execute the above related steps to implement the method in the above embodiment. The computer program product provided in the embodiments of the present application is applicable to any of the embodiments of the method described above, and therefore, the beneficial effects that can be achieved by the computer program product can refer to the beneficial effects in the corresponding method provided above, and are not described herein again.
The intelligent allocation scheme of the investment amount disclosed by the embodiment of the application receives the weight setting of at least one investment index of the investment product by the client; wherein the investment product is an investment product having a sales allowance; calculating the matching basis score of each investment product on the platform according to the investment index weight setting scheme of the client and a preset configuration algorithm; arranging the investment products according to a sorting rule of matching basic scores from high to low; and completing the configuration of the investment money of the client according to the sales limit of the sequenced investment products. The intelligent allocation scheme for the investment amount of the embodiment of the application can avoid the inconvenience that an investment manager manually allocates the investment amount for a client, so that the client can independently obtain the allocation scheme for the investment amount meeting the requirements on an investment product sales platform, and the allocation efficiency of the client investment combination scheme is improved.
In the several embodiments provided in the present application, it should be understood that the disclosed apparatus and method may be implemented in other manners. For example, the above-described apparatus embodiments are merely illustrative, and for example, a module or a unit may be divided into only one logical function, and may be implemented in other ways, for example, a plurality of units or components may be combined or integrated into another apparatus, or some features may be discarded 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.
Units described as separate parts may or may not be physically separate, and parts displayed as units may be one physical unit or a plurality of physical units, may be located in one place, or may be distributed to a plurality of different places. 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 readable storage medium. Based on such understanding, the technical solutions of the embodiments of the present application may be essentially or partially contributed to by the prior art, or all or part of the technical solutions may be embodied in the form of a software product, where the software product is stored in a storage medium and includes several instructions to enable a device (which may be a single chip, a chip, or the like) or a processor (processor) to execute all or part of the steps of the methods of 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.
It should be understood that, although the steps in the flowcharts of the figures are shown in order as indicated by the arrows, the steps are not necessarily performed in order as indicated by the arrows. The steps are not performed in the exact order shown and may be performed in other orders unless explicitly stated herein. Moreover, at least a portion of the steps in the flow chart of the figure may include multiple sub-steps or multiple stages, which are not necessarily performed at the same time, but may be performed at different times, which are not necessarily performed in sequence, but may be performed alternately or alternately with other steps or at least a portion of the sub-steps or stages of other steps.
The above description is only for the specific embodiments of the present application, but the scope of the present application is not limited thereto, and any person skilled in the art can easily conceive of changes or substitutions within the technical scope of the present application, and can make several modifications and decorations, and these changes, substitutions, improvements and decorations should also be considered to be covered by the scope of the present application. Therefore, the protection scope of the present application shall be subject to the protection scope of the claims.

Claims (13)

1. An intelligent allocation method for investment amount, which is characterized in that the method comprises the following steps:
receiving a weight setting of at least one investment index of the investment product by the client; wherein the investment product is an investment product having a sales allowance;
calculating the matching basis score of each investment product on the platform according to the investment index weight setting scheme of the client and a preset configuration algorithm;
arranging the investment products according to a sorting rule of matching basic scores from high to low;
and completing the configuration of the investment money of the client according to the sales limit of the sequenced investment products.
2. The intelligent allocation method of investment amounts according to claim 1, wherein said investment metrics include, but are not limited to, at least one of:
annual rate of return, ten thousand rate of return in the reference period, income ranking in the reference period, and limit of the holding period of the investment product.
3. The intelligent allocation method of investment amounts according to claim 1 or 2, characterized in that the preset allocation algorithm comprises:
Figure FDA0002828971550000011
wherein the content of the first and second substances,
represents a multiplication algorithm;
n represents the number of investment indexes concerned by the client;
Wiis the weight of the investment index i;
Zithe score of the investment product A on index i is shown.
4. The intelligent allocation method of investment amount according to claim 3, wherein said A investment product has a score of Z on index iiFurther comprising:
Zi＝(Xi-Xi_bar)/Si(ii) a Wherein the content of the first and second substances,
the expression/represents a division algorithm;
Xiis the original value of the index i;
Xibar is the mean value of index i of all on-sale investment products on the platform;
Siis based on the standard deviation of index i for all products on sale.
5. The intelligent allocation method of investment amounts according to claim 1 or 4, characterized in that the method further comprises:
step 1, acquiring historical investment data of the client on a platform;
step 2, correcting the matching basic score of each investment product according to the historical investment data of the client and a preset correction algorithm to obtain the matching correction score of each investment product; wherein the historical investment data of the customer includes, but is not limited to: setting parameters for the weight of the investment index, past investment products, deleted investment products, white list of investment products and historical investment total;
and 3, arranging the investment products according to a sorting rule of the matching correction scores from high to low.
6. The intelligent allocation method of investment amounts according to claim 5, wherein the preset correction algorithm comprises:
matching correction score of A investment product (matching base score of A investment product) (1+ I)A)/dA(ii) a Wherein the content of the first and second substances,
represents a multiplication algorithm;
code division algorithm
IARepresenting the historical investment rate of the investment product A; wherein the historical investment rate is the ratio of the accumulated amount of the investment product of the client investment A to the total investment amount of the client in a reference time interval;
dArepresents a rejection coefficient; wherein d isAFurther comprising:
when N is less than or equal to K, dA＝1；
When N is present>When K is, the dA＝N-k+1；
Wherein said N represents the number of times said client deletes investment product A within a reference time interval;
and K is a preset deleting time threshold.
7. The intelligent allocation method of investment amounts according to claim 1 or 6, characterized in that the method further comprises:
receiving the setting of splitting items of the investment amount of the client;
and setting and sequencing the sales limit of the investment products according to the splitting items of the client to complete the configuration of the investment amount of the client.
8. The intelligent allocation method of investment amounts as claimed in claim 7, wherein after completing the allocation of said client investment amount, said method further comprises:
and receiving the custom modification of the investment amount configuration scheme by the client.
9. An intelligent allocation apparatus for an investment amount, the apparatus comprising: the device comprises a setting module, a storage module, a calculation module, a sequencing module and a configuration module; wherein the content of the first and second substances,
the setting module is used for receiving the weight setting of at least one investment index of the investment product by the client; wherein the investment product is an investment product having a sales allowance;
the storage module is used for storing the investment index weight setting scheme and the preset configuration algorithm of the client;
the computing module is used for computing the matching basis score of each investment product on the platform according to the investment index weight setting scheme of the client and a preset configuration algorithm;
the sorting module is used for arranging the investment products according to a sorting rule that the matching basic score is from high to low;
and the configuration module is used for completing the configuration of the investment money of the client according to the sales limit of the sequenced investment products.
10. The intelligent allocation device for investment money according to claim 9, wherein the preset allocation algorithm stored in the storage module is specifically:
Figure FDA0002828971550000031
wherein the content of the first and second substances,
represents a multiplication algorithm;
n represents the number of investment indexes concerned by the client;
Wito be thrown intoThe weight of resource index i;
Zithe score of the investment product A on the index i is shown; wherein ZiFurther comprising:
Zi＝(Xi-Xi_bar)/Si(ii) a Wherein the content of the first and second substances,
the expression/represents a division algorithm;
Xiis the original value of the index i;
Xibar is the mean value of index i of all on-sale investment products on the platform;
Siis based on the standard deviation of index i for all products on sale.
11. The intelligent allocation apparatus of investment amounts according to claim 9, further comprising a modification module, wherein,
the correction module is used for acquiring historical investment data of the client on a platform and correcting the matching basic score of each investment product according to the historical investment data of the client and a preset correction algorithm to acquire the matching correction score of each investment product; wherein the historical investment data of the customer includes, but is not limited to: setting parameters for the weight of the investment index, past investment products, deleted investment products, white list of investment products and historical investment total;
and the sorting module is used for sorting the investment products according to a sorting rule that the matching correction score is from high to low.
12. An electronic device comprising a processor and a memory;
the memory is used for storing operation instructions;
the processor is used for executing the method of any one of claims 1-8 by calling the operation instruction.
13. A computer-readable storage medium, characterized in that the storage medium has stored thereon a computer program which, when being executed by a processor, carries out the method of any one of claims 1-8.
CN202011437445.8A 2020-12-10 2020-12-10 Intelligent investment amount configuration method and device Pending CN112541827A (en)

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Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN113780744A (en) * 2021-08-13 2021-12-10 唯品会(广州)软件有限公司 Cargo combination method and device and electronic equipment
CN117291702A (en) * 2023-11-23 2023-12-26 深圳市金政软件技术有限公司 Cash separate storage method, device, equipment and storage medium

Cited By (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN113780744A (en) * 2021-08-13 2021-12-10 唯品会(广州)软件有限公司 Cargo combination method and device and electronic equipment
CN113780744B (en) * 2021-08-13 2023-12-29 唯品会(广州)软件有限公司 Goods combination method and device and electronic equipment
CN117291702A (en) * 2023-11-23 2023-12-26 深圳市金政软件技术有限公司 Cash separate storage method, device, equipment and storage medium

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