CN112926892A - Capital matching method and device, electronic equipment and storage medium - Google Patents
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Abstract
The embodiment of the invention discloses a fund matching method, a fund matching device, electronic equipment and a storage medium, wherein the method comprises the following steps: when a fund application is acquired, acquiring user characteristics of a fund applicant, and acquiring alternative fund providers matched with the user characteristics of the fund applicant according to fund application rules of various fund providers; acquiring a recommendation score of the alternative fund provider for the fund applicant and a priority level of the alternative fund provider; and sorting the alternative fund providers according to the recommendation scores of the alternative fund providers and the priority levels of the alternative fund providers, and displaying a sorted fund provider list to the fund applicant. According to the technical scheme of the embodiment of the invention, the individual recommendation is provided for the fund applicant according to the recommendation level of each fund provider and the matching degree of each fund provider and the fund applicant, and the recommendation accuracy of the fund provider is improved.
Description
Technical Field
The embodiment of the invention relates to the field of finance, in particular to a fund matching method, a fund matching device, electronic equipment and a storage medium.
Background
With the continuous progress of science and technology, the internet financial industry is developed vigorously, and with the change of the consumption concept of people, the loan transaction through the network also becomes a common fund turnover mode for people.
After the fund applicant proposes the fund application, the fund lending platform needs to recommend an appropriate fund provider to the fund applicant from a plurality of fund providers (such as banks, funds, trusts) capable of providing the fund for the fund applicant to select.
The existing recommendation mode of the fund provider is usually preset by an operator according to historical experience, the recommendation accuracy is low, the recommendation effect is poor, and the recommendation mode is relatively fixed in a long time based on the service requirement, so the recommendation mode can be integrated in the program code of an application program, the program code needs to be modified every time the recommendation mode is performed on the recommended fund provider, and the program code is reissued in a version updating mode, so the user experience is poor.
Disclosure of Invention
The embodiment of the invention provides a fund matching method, a fund matching device, electronic equipment and a storage medium, which are used for recommending matched fund providers to fund applicants according to recommendation scores and priority levels of the fund providers.
In a first aspect, an embodiment of the present invention provides a fund matching method, including:
when a fund application is acquired, acquiring user characteristics of a fund applicant, and acquiring alternative fund providers matched with the user characteristics of the fund applicant according to fund application rules of various fund providers;
acquiring a recommendation score of the alternative fund provider for the fund applicant and a priority level of the alternative fund provider;
and sorting the alternative fund providers according to the recommendation scores of the alternative fund providers and the priority levels of the alternative fund providers, and displaying a sorted fund provider list to the fund applicant.
In a second aspect, an embodiment of the present invention provides a fund matching apparatus, including:
the alternative fund provider acquisition module is used for acquiring the user characteristics of fund applicants when the fund applications are acquired, and acquiring alternative fund providers matched with the user characteristics of the fund applicants according to the fund application rules of the fund providers;
the recommendation score and priority level acquisition module is used for acquiring the recommendation score of the alternative fund provider for the fund applicant and the priority level of the alternative fund provider;
and the sequencing execution module is used for sequencing the alternative fund providers according to the recommendation scores of the alternative fund providers and the priority levels of the alternative fund providers and displaying the sequenced fund provider list to the fund applicant.
In a third aspect, an embodiment of the present invention further provides an electronic device, where the electronic device includes:
one or more processors;
storage means for storing one or more programs;
when executed by the one or more processors, cause the one or more processors to implement the fund matching method of any embodiment of the present invention.
In a fourth aspect, embodiments of the present invention also provide a storage medium containing computer-executable instructions, which when executed by a computer processor implement the fund matching method according to any embodiment of the present invention.
According to the technical scheme of the embodiment of the invention, after the alternative fund providers are obtained according to the user characteristics of the fund applicant and the fund application rules of the fund providers, the sorted fund provider list is displayed to the fund applicant according to the recommendation scores of the alternative fund providers for the fund applicant and the priority levels of the alternative fund providers, so that the individual recommendation is provided for the fund applicant according to the recommendation levels of the fund providers and the matching degree of the fund providers and the fund applicant, the recommendation accuracy of the fund provider is improved, meanwhile, the recommended fund provider does not need to be written into the program codes of the application program, the modification process of the program codes is reduced, and the time cost and the labor cost are saved.
Drawings
FIG. 1A is a flow chart of a fund matching method according to an embodiment of the present invention;
FIG. 1B is a flow chart of an alternate fund provider acquisition process according to an embodiment of the present invention;
FIG. 2 is a block diagram of a fund matching device according to a second embodiment of the present invention;
fig. 3 is a block diagram of an electronic device according to a third embodiment of the present invention.
Detailed Description
The present invention will be described in further detail with reference to the accompanying drawings and examples. It is to be understood that the specific embodiments described herein are merely illustrative of the invention and are not limiting of the invention. It should be further noted that, for the convenience of description, only some of the structures related to the present invention are shown in the drawings, not all of the structures.
Example one
Fig. 1A is a flowchart of a fund matching method according to an embodiment of the present invention, where the present embodiment is adapted to recommend matched fund providers to fund applicants according to recommendation scores of the fund providers for current fund applicants and their own priority levels, and the apparatus may be implemented by software and/or hardware and integrated in an electronic device, and may be typically integrated in a server of a fund matching platform, where the method specifically includes the following steps:
s110, when the fund application is obtained, obtaining the user characteristics of the fund applying party, and obtaining alternative fund providing parties matched with the user characteristics of the fund applying party according to the fund application rules of all fund providing parties.
The fund application is application information for acquiring a certain amount of fund, such as loan application to a bank, proposed by an individual or a business; the fund application describes basic information (namely personal information or enterprise information) and qualification information of a fund application party so as to enable the fund application party to perform qualification verification; specifically, the user characteristics of the fund application party can comprise user type, age, gender, school calendar, debit account, region, overdue risk level and/or debit amount; the user types can be classified according to occupation, such as students, white-collar workers, officers and the like, and can also be determined according to member grades of the users in the current fund matching platform, such as gold members and platinum members; the overdue risk grade is obtained according to the historical fund application record of the user and the ratio of the overdue amount to the borrowing amount, and the possibility that the overdue risk exists in the user is evaluated; the region is a personal work city or an enterprise registration city of an asset applicant; the fund application rule is a borrowing requirement which is set by each fund provider and aims at the fund application party. Taking fig. 1B as an example, when a fund application of the user "zhang san" is acquired, according to the fund application rules of each fund provider (including XX fund, XX trust, XX bank and XX company), the alternative fund providers matched with "zhang san" are acquired as XX trust and XX bank.
And S120, acquiring the recommendation scores of the alternative fund providers for the fund applicant and the priority levels of the alternative fund providers.
The priority level of the fund provider is related to the historical fund application and the historical fund application result of each fund provider and is unrelated to the current fund application party, the overall recommendation degree of the fund provider for all users is reflected, and the higher the priority level is, the more possible the fund provider preferentially recommends; the priority level of each fund provider can be preset according to an empirical value, and can also be set according to influence factors of the priority levels, such as the auditing speed and the credit rating of each fund provider; the number of priority levels can be set according to needs, for example, the priority levels are set to three levels of 'priority', 'normal' and 'abnormal', the priority levels are reduced in sequence, and each fund provider must belong to and only belongs to one priority level.
Optionally, in an embodiment of the present invention, the obtaining of the recommendation score of the alternative fund provider for the fund applicant and the priority level of the alternative fund provider includes: and acquiring the priority level of each alternative fund provider according to the first fund application passing rate, the first fund limit usage rate and/or the first fund overdue risk value of each alternative fund provider. The first fund application passing rate is the passing rate of the fund provider for all historical fund applications, and the higher the first fund application passing rate is, the higher the possibility that the current fund application is passed is, and the corresponding priority level of the fund provider is also possible to be higher; a first fund limit usage rate, which is a ratio of currently borrowed funds of the fund provider to loanable funds, wherein the ratio describes the fund lending degree of the fund provider, and the lower the ratio, the more sufficient the current fund reserve of the alternative fund provider is, the higher the possibility that the current fund application is passed is, and the higher the corresponding priority level of the alternative fund provider is; the first fund overdue risk value is the maximum ratio of the allowed overdue times of repayment set by each fund provider to the total borrowing time, the larger the ratio is, the stronger the risk resistance of the asset provider is indicated, especially for fund applications with the possibility of overdue risks, the acceptance degree is higher, namely, the higher the possibility that the current fund application is passed is indicated, the higher the priority level of the corresponding alternative fund provider is also possible, for example, the first fund overdue risk value is 5%, and the maximum allowable overdue return of 5 borrowings in each 100 term borrowings is indicated.
Specifically, the influencing factors of the priority levels, that is, the first fund application passing rate, the first fund limit usage rate and the first fund overdue risk value, may be summed up, and a matching priority level may be allocated to the fund provider according to the summed result, for example, a matching priority level may be allocated to the fund provider by comparing the summed result with the priority level; the influence factor items of the priority levels can be distributed with weight coefficients, each influence factor item is multiplied by the corresponding weight coefficient, and the multiplication results are accumulated and summed; specifically, the accumulated sum of the fund provider can be obtained by the following formula
y＝λ1w1+λ2w2+λ3w3
Where y is the cumulative sum, λ1、λ2、λ3Respectively a first fund application passing rate, a first fund limit usage rate and a first fund overdue risk value, w1、w2、w3Respectively is a weight coefficient of a first fund application passing rate, a weight coefficient of a first fund limit usage rate and a weight coefficient of a first fund overdue risk value; in particular, the weight coefficient of each influencing factor term may be preset according to an empirical value, or may be obtained according to the historical asset application and the historical asset application result by an Artificial Intelligence (AI) model (i.e., a first AI model) based on an algorithm such as a deep neural network, learning vector quantization, and logistic regression.
The recommendation scores of the fund providers are related to the fund applicants, different recommendation scores may appear for different fund applicants by the same fund provider, the matching degree of each fund provider and the current fund applicants is reflected, and the higher the recommendation score is, the higher the matching degree of the fund provider and the fund applicants is, the more possible recommendation is given priority; for example, according to the historical fund application of each fund provider, the proportion of each type of user in the borrowing crowd of each fund provider can be determined, and according to the user characteristics (such as the user type) of the current fund application party, the fund provider with the higher borrowing proportion occupied by the user type indicates that the fund provider is more inclined to borrow from the crowd to which the current fund application party belongs; for example, the money provider a accounts for 80% of the borrowed population, and the money provider B accounts for 10% of the borrowed population, and it is obvious that the money provider B is more inclined to borrow money from the population to which the current money applicant belongs for the current money application of the money provider a.
Optionally, in an embodiment of the present invention, the obtaining of the recommendation score of the alternative fund provider for the fund applicant and the priority level of the alternative fund provider includes: obtaining a recommendation score of each alternative fund provider for the fund applicant according to a second fund application passing rate, a second fund limit usage rate, a second fund overdue risk value and an area control limit of each alternative fund provider; and the second fund application passing rate, the second fund limit utilization rate, the second fund overdue risk value and the area control limit are all related to the fund application party. The second fund application passing rate is the passing rate of the historical fund application of the fund provider aiming at the crowd to which the current fund applicant belongs (namely the crowd with the same user characteristics as the current fund applicant), and the higher the second fund application passing rate is, the higher the possibility that the fund application of the crowd of the current fund applicant is passed is, the higher the corresponding recommendation score is; the second fund limit usage rate is a ratio of currently borrowed funds to loanable funds of the fund provider for the crowd to which the current fund applicant belongs, the ratio describes the fund lending degree of the fund provider under the crowd, and the lower the ratio, the more sufficient the fund reserve prepared by the alternative fund provider for the crowd is, the higher the possibility that the current fund applicant is passed is, and the higher the corresponding recommendation score is; the second fund overdue risk value can be a maximum ratio of the overdue times of repayment allowed to the total borrowing period number set by each fund provider aiming at the crowd to which the current fund applicant belongs, and the larger the ratio is, the higher the risk accepting capability and the acceptance degree of the asset provider aiming at the crowd to which the current fund applicant belongs are, the higher the corresponding recommendation score is; the regional control limit is a borrowing limit determined according to a region to which a fund applicant belongs and a region to which a fund provider belongs, for example, borrowing provided by enterprises or individuals outside the region to which the fund provider belongs cannot exceed 20% of the total amount of the borrowing, so the regional control limit needs to be determined according to the region to which the fund applicant belongs and the region to which the fund provider belongs, for example, the fund applicant C and the fund provider A belong to the same region, and the fund applicant D and the fund provider D belong to different regions, and obviously, for fund applications of the fund applicant C and the fund applicant D, the recommendation score of the fund provider A for the fund applicant C is higher.
Optionally, in the embodiment of the present invention, before obtaining, according to a second fund application passing rate, a second fund limit usage rate, a second fund overdue risk value, and a regional control limit of each alternative fund provider, a recommendation score of each alternative fund provider for the fund applicant, the method includes: and acquiring a second fund overdue risk value of each alternative fund provider according to the current overdue percentage and the first fund overdue risk value of each fund provider and the overdue risk level of the fund applicant. The second fund overdue risk value may be disclosed in the above technical solution, and each fund provider sets a maximum ratio of the overdue number of allowed repayment to the total borrowing period number for the group to which the current fund applicant belongs, that is, a fixed value preset by each fund provider; or the current numerical value obtained according to the current overdue percentage and the overdue risk level of the fund applicant is a non-preset fixed value; specifically, the current overdue percentage is a ratio of the overdue times of repayment of all users for the current loan to the total number of the borrowing period, and a difference value between the first fund overdue risk value and the current overdue percentage represents the degree of the currently acceptable risk of the fund provider, the lower the difference value is, the more bad loans and credits of the fund provider are represented, the auditing strength of the fund provider for the fund application may be more strict, the corresponding possibility of passing the fund application may be reduced, and the matching degree with the current user may also be reduced; the overdue risk level of the fund applicant determines the possibility that the repayment of the user is overdue, so that corresponding risk values are set for different overdue risk levels, for example, the overdue risk levels comprise high, medium and low, which are respectively set to be 1, 2 and 3; and multiplying the difference value of the first fund overdue risk value and the current overdue percentage by the risk value corresponding to the overdue risk level to obtain a corresponding second fund overdue risk value.
S130, sorting the alternative fund providers according to the recommendation scores of the alternative fund providers and the priority levels of the alternative fund providers, and displaying a sorted fund provider list to the fund applicant.
When the alternative fund providers are ranked, the priority levels of the alternative fund providers can be used as a first ranking factor, the higher the priority level is, the higher the ranking is, and the ranking is performed through recommendation scores in the same priority level; specifically, the sorting the alternative fund providers according to the recommendation scores of the alternative fund providers and the priority levels of the alternative fund providers may include: sequencing the alternative fund providers according to the priority levels of the alternative fund providers; and if the current priority level comprises a plurality of alternative fund providers, sequencing the alternative fund providers in the current priority level according to the recommendation scores of the alternative fund providers in the current priority level. The recommendation scores of the alternative fund providers can be used as a first ranking factor, the higher the recommendation score is, the top ranking is, and the ranking is performed through a priority level under the same recommendation score; different weight values can be set for the priority level and the recommendation score of the alternative fund provider respectively, the product of the priority level and the corresponding weight value is summed with the product of the recommendation score and the corresponding weight value, and sorting is carried out according to the summation result.
Optionally, in this embodiment of the present invention, the sorting the alternative fund providers according to the recommendation scores of the alternative fund providers and the priority levels of the alternative fund providers includes: according to the priority levels of all the alternative fund providers, the alternative fund providers with the recommendation scores larger than or equal to the lowest score threshold value in all the priority levels are added into a first set, and the alternative fund providers with the recommendation scores smaller than the lowest score threshold value in all the priority levels are added into a second set; sorting the alternative fund providers in the first set and the second set according to the priority levels of the alternative fund providers; if the current priority level comprises a plurality of alternative fund providers, sequencing the alternative fund providers in the current priority level according to the recommendation scores of the alternative fund providers in the current priority level; placing the alternative fund provider in the first set before the alternative fund provider in the second set.
Optionally, in this embodiment of the present invention, the sorting the alternative fund providers according to the recommendation scores of the alternative fund providers and the priority levels of the alternative fund providers includes: according to the priority levels of all the alternative fund providers, the alternative fund providers with the recommendation scores larger than or equal to the lowest score threshold value in all the priority levels are added into a first set, and the alternative fund providers with the recommendation scores smaller than the lowest score threshold value in all the priority levels are added into a second set; sorting the alternative fund providers in the first set and the second set according to the priority levels of the alternative fund providers; if the current priority level comprises a plurality of alternative fund providers, sequencing the alternative fund providers in the current priority level according to the recommendation scores of the alternative fund providers in the current priority level; placing the alternative fund provider in the first set before the alternative fund provider in the second set. The lowest scoring threshold is a preset matching standard for measuring the fund provider and the fund applicant, when the recommendation score of the fund provider is smaller than the lowest scoring threshold, the matching degree of the fund provider and the fund applicant is low, and even if the priority level of the fund provider is high, the fund provider can only be classified into a second set; when the recommendation score of the fund provider is larger than or equal to the minimum score threshold value, the fund provider is indicated to be matched with the fund applicant to a higher degree, and even if the priority level of the fund provider is lower, the fund provider can be classified into the first set; in the first set and the second set, the priority level and the recommendation score are respectively used as a first sorting factor and a second sorting factor for sorting, and each alternative fund provider in the first set is positioned in front of the alternative fund provider in the second set.
According to the technical scheme of the embodiment of the invention, after the alternative fund providers are obtained according to the user characteristics of the fund applicants and the fund application rules of the fund providers, the sorted fund provider list is displayed to the fund applicants according to the recommendation scores of the alternative fund providers for the fund applicants and the priority levels of the alternative fund providers, so that the individual recommendation is provided to the fund applicants according to the recommendation sequence of the fund providers and the matching degree of the fund providers and the fund applicants, the recommendation accuracy and the recommendation effect of the fund providers are improved, meanwhile, the recommended fund providers do not need to be written into the program codes of the application programs, the modification process of the program codes is reduced, and the time cost and the labor cost are saved.
Example two
Fig. 2 is a block diagram of a fund matching apparatus according to a second embodiment of the present invention, where the apparatus specifically includes: an alternative funds provider acquisition module 210, a recommendation scoring and prioritization level acquisition module 220, and a ranking execution module 230.
The alternative fund provider obtaining module 210 is configured to obtain a user characteristic of a fund applicant when a fund application is obtained, and obtain an alternative fund provider matched with the user characteristic of the fund applicant according to a fund application rule of each fund provider;
a recommendation score and priority level obtaining module 220, configured to obtain a recommendation score of the alternative fund provider for the fund applicant and a priority level of the alternative fund provider;
and the sorting execution module 230 is configured to sort the alternative fund providers according to the recommendation scores of the alternative fund providers and the priority levels of the alternative fund providers, and display a sorted fund provider list to the fund applicant.
According to the technical scheme of the embodiment of the invention, after the alternative fund providers are obtained according to the user characteristics of the fund applicants and the fund application rules of the fund providers, the sorted fund provider list is displayed to the fund applicants according to the recommendation scores of the alternative fund providers for the fund applicants and the priority levels of the alternative fund providers, so that the individual recommendation is provided to the fund applicants according to the recommendation sequence of the fund providers and the matching degree of the fund providers and the fund applicants, the recommendation accuracy and the recommendation effect of the fund providers are improved, meanwhile, the recommended fund providers do not need to be written into the program codes of the application programs, the modification process of the program codes is reduced, and the time cost and the labor cost are saved.
Optionally, on the basis of the above technical solution, the sorting execution module 230 is specifically configured to sort the alternative fund providers according to the priority levels of the alternative fund providers; and if the current priority level comprises a plurality of alternative fund providers, sequencing the alternative fund providers in the current priority level according to the recommendation scores of the alternative fund providers in the current priority level.
Optionally, on the basis of the above technical solution, the sorting execution module 230 specifically includes:
the collection acquisition unit is used for adding the alternative fund providers with the recommendation scores larger than or equal to the lowest score threshold value in each priority level into a first collection and adding the alternative fund providers with the recommendation scores smaller than the lowest score threshold value in each priority level into a second collection according to the priority levels of the alternative fund providers;
a priority level sorting unit, configured to sort, in the first set and the second set, the alternative fund providers according to their priority levels;
the recommendation score ordering unit is used for ordering the multiple alternative fund providers in the current priority level according to the recommendation scores of the multiple alternative fund providers in the current priority level if the current priority level comprises the multiple alternative fund providers;
a set ordering unit to place the alternative fund provider in the first set before the alternative fund provider in the second set.
Optionally, on the basis of the foregoing technical solution, the recommendation score and priority level obtaining module 220 specifically includes:
and the priority level acquisition unit is used for acquiring the priority level of each alternative fund provider according to the first fund application passing rate, the first fund limit utilization rate and/or the first fund overdue risk value of each alternative fund provider.
Optionally, on the basis of the foregoing technical solution, the recommendation score and priority level obtaining module 220 specifically includes:
the recommendation score obtaining unit is used for obtaining recommendation scores of the alternative fund providers for the fund applicants according to a second fund application passing rate, a second fund limit utilization rate, a second fund overdue risk value and an area control limit of the alternative fund providers; and the second fund application passing rate, the second fund limit utilization rate, the second fund overdue risk value and the area control limit are all related to the fund application party.
Optionally, on the basis of the foregoing technical solution, the recommendation score and priority level obtaining module 220 further includes:
and the second fund overdue risk value acquisition unit is used for acquiring the second fund overdue risk value of each alternative fund provider according to the current overdue percentage and the first fund overdue risk value of each fund provider and the overdue risk level of the fund applicant.
Optionally, on the basis of the above technical solution, the user characteristics include a user type, an age, a gender, a school calendar, a debit account, an area, an overdue risk level, and/or a debit amount.
The device can execute the fund matching method provided by any embodiment of the invention, and has corresponding functional modules and beneficial effects of the execution method. For technical details not described in detail in this embodiment, reference may be made to the method provided in any embodiment of the present invention.
EXAMPLE III
Fig. 3 is a schematic structural diagram of an electronic device according to a third embodiment of the present invention. Fig. 3 illustrates a block diagram of an exemplary device 12 suitable for use in implementing embodiments of the present invention. The electronic device 12 shown in fig. 3 is only an example and should not bring any limitations to the function and scope of use of the embodiments of the present invention.
As shown in FIG. 3, electronic device 12 is embodied in the form of a general purpose computing device. The components of electronic device 12 may include, but are not limited to: one or more processors or processing units 16, a system memory 28, and a bus 18 that couples various system components including the system memory 28 and the processing unit 16.
The system memory 28 may include computer system readable media in the form of volatile memory, such as Random Access Memory (RAM)30 and/or cache memory 32. The electronic device 12 may further include other removable/non-removable, volatile/nonvolatile computer system storage media. By way of example only, storage system 34 may be used to read from and write to non-removable, nonvolatile magnetic media (not shown in FIG. 3, and commonly referred to as a "hard drive"). Although not shown in FIG. 3, a magnetic disk drive for reading from and writing to a removable, nonvolatile magnetic disk (e.g., a "floppy disk") and an optical disk drive for reading from or writing to a removable, nonvolatile optical disk (e.g., a CD-ROM, DVD-ROM, or other optical media) may be provided. In these cases, each drive may be connected to bus 18 by one or more data media interfaces. System memory 28 may include at least one program product having a set (e.g., at least one) of program modules that are configured to carry out the functions of embodiments of the invention.
A program/utility 40 having a set (at least one) of program modules 42 may be stored, for example, in system memory 28, such program modules 42 including, but not limited to, an operating system, one or more application programs, other program modules, and program data, each of which examples or some combination thereof may comprise an implementation of a network environment. Program modules 42 generally carry out the functions and/or methodologies of the described embodiments of the invention.
The processing unit 16 executes various functional applications and data processing, such as implementing the fund matching method provided by any of the embodiments of the present invention, by executing programs stored in the system memory 28. Namely: when a fund application is acquired, acquiring user characteristics of a fund applicant, and acquiring alternative fund providers matched with the user characteristics of the fund applicant according to fund application rules of various fund providers; acquiring a recommendation score of the alternative fund provider for the fund applicant and a priority level of the alternative fund provider; and sorting the alternative fund providers according to the recommendation scores of the alternative fund providers and the priority levels of the alternative fund providers, and displaying a sorted fund provider list to the fund applicant.
Example four
A fourth embodiment of the present invention further provides a computer-readable storage medium, on which a computer program is stored, where the computer program, when executed by a processor, implements the fund matching method according to any embodiment of the present invention; the method comprises the following steps:
when a fund application is acquired, acquiring user characteristics of a fund applicant, and acquiring alternative fund providers matched with the user characteristics of the fund applicant according to fund application rules of various fund providers;
acquiring a recommendation score of the alternative fund provider for the fund applicant and a priority level of the alternative fund provider;
and sorting the alternative fund providers according to the recommendation scores of the alternative fund providers and the priority levels of the alternative fund providers, and displaying a sorted fund provider list to the fund applicant.
Computer storage media for embodiments of the invention may employ any combination of one or more computer-readable media. The computer readable medium may be a computer readable signal medium or a computer readable storage medium. A computer readable storage medium may be, for example, but not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or any combination of the foregoing. More specific examples (a non-exhaustive list) of the computer readable storage medium would include the following: an electrical connection having one or more wires, a portable computer diskette, a hard disk, a Random Access Memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disc read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing. In the context of this document, a computer readable storage medium may be any tangible medium that can contain, or store a program for use by or in connection with an instruction execution system, apparatus, or device.
A computer readable signal medium may include a propagated data signal with computer readable program code embodied therein, for example, in baseband or as part of a carrier wave. Such a propagated data signal may take many forms, including, but not limited to, electro-magnetic, optical, or any suitable combination thereof. A computer readable signal medium may also be any computer readable medium that is not a computer readable storage medium and that can communicate, propagate, or transport a program for use by or in connection with an instruction execution system, apparatus, or device.
Program code embodied on a computer readable medium may be transmitted using any appropriate medium, including but not limited to wireless, wireline, optical fiber cable, RF, etc., or any suitable combination of the foregoing.
Computer program code for carrying out operations for aspects of the present invention may be written in any combination of one or more programming languages, including an object oriented programming language such as Java, Smalltalk, C + + or the like and conventional procedural programming languages, such as the "C" programming language or similar programming languages. The program code may execute entirely on the user's computer, partly on the user's computer, as a stand-alone software package, partly on the user's computer and partly on a remote computer or entirely on the remote computer or server. In the case of a remote computer, the remote computer may be connected to the user's computer through any type of network, including a Local Area Network (LAN) or a Wide Area Network (WAN), or the connection may be made to an external computer (for example, through the Internet using an Internet service provider).
It is to be noted that the foregoing is only illustrative of the preferred embodiments of the present invention and the technical principles employed. It will be understood by those skilled in the art that the present invention is not limited to the particular embodiments described herein, but is capable of various obvious changes, rearrangements and substitutions as will now become apparent to those skilled in the art without departing from the scope of the invention. Therefore, although the present invention has been described in greater detail by the above embodiments, the present invention is not limited to the above embodiments, and may include other equivalent embodiments without departing from the spirit of the present invention, and the scope of the present invention is determined by the scope of the appended claims.
Claims (10)
1. A method of fund matching, comprising:
when a fund application is acquired, acquiring user characteristics of a fund applicant, and acquiring alternative fund providers matched with the user characteristics of the fund applicant according to fund application rules of various fund providers;
acquiring a recommendation score of the alternative fund provider for the fund applicant and a priority level of the alternative fund provider;
and sorting the alternative fund providers according to the recommendation scores of the alternative fund providers and the priority levels of the alternative fund providers, and displaying a sorted fund provider list to the fund applicant.
2. The method of claim 1, wherein said ordering the alternative fund providers according to their recommendation scores and their priority levels comprises:
sequencing the alternative fund providers according to the priority levels of the alternative fund providers;
and if the current priority level comprises a plurality of alternative fund providers, sequencing the alternative fund providers in the current priority level according to the recommendation scores of the alternative fund providers in the current priority level.
3. The method of claim 1, wherein said ordering the alternative fund providers according to their recommendation scores and their priority levels comprises:
according to the priority levels of all the alternative fund providers, the alternative fund providers with the recommendation scores larger than or equal to the lowest score threshold value in all the priority levels are added into a first set, and the alternative fund providers with the recommendation scores smaller than the lowest score threshold value in all the priority levels are added into a second set;
sorting the alternative fund providers in the first set and the second set according to the priority levels of the alternative fund providers;
if the current priority level comprises a plurality of alternative fund providers, sequencing the alternative fund providers in the current priority level according to the recommendation scores of the alternative fund providers in the current priority level;
placing the alternative fund provider in the first set before the alternative fund provider in the second set.
4. The method of claim 1, wherein obtaining the recommendation score for the alternative fund provider for the fund applicant and the priority level of the alternative fund provider comprises:
and acquiring the priority level of each alternative fund provider according to the first fund application passing rate, the first fund limit usage rate and/or the first fund overdue risk value of each alternative fund provider.
5. The method of claim 1, wherein obtaining the recommendation score for the alternative fund provider for the fund applicant and the priority level of the alternative fund provider comprises:
obtaining a recommendation score of each alternative fund provider for the fund applicant according to a second fund application passing rate, a second fund limit usage rate, a second fund overdue risk value and an area control limit of each alternative fund provider; and the second fund application passing rate, the second fund limit utilization rate, the second fund overdue risk value and the area control limit are all related to the fund application party.
6. The method as claimed in claim 5, wherein before obtaining the recommendation score of each alternative fund provider for the fund applicant according to the second fund application passing rate, the second fund limit usage rate, the second fund overdue risk value and the regional control limit of each alternative fund provider, the method comprises:
and acquiring a second fund overdue risk value of each alternative fund provider according to the current overdue percentage and the first fund overdue risk value of each fund provider and the overdue risk level of the fund applicant.
7. The method of any one of claims 1-6, wherein the user characteristics include user type, age, gender, school calendar, debit account, area, level of overdue risk, and/or amount of debit.
8. A funds matching apparatus, comprising:
the alternative fund provider acquisition module is used for acquiring the user characteristics of fund applicants when the fund applications are acquired, and acquiring alternative fund providers matched with the user characteristics of the fund applicants according to the fund application rules of the fund providers;
the recommendation score and priority level acquisition module is used for acquiring the recommendation score of the alternative fund provider for the fund applicant and the priority level of the alternative fund provider;
and the sequencing execution module is used for sequencing the alternative fund providers according to the recommendation scores of the alternative fund providers and the priority levels of the alternative fund providers and displaying the sequenced fund provider list to the fund applicant.
9. An electronic device, characterized in that the electronic device comprises:
one or more processors;
a storage device for storing one or more programs,
when executed by the one or more processors, cause the one or more processors to implement the fund matching method of any one of claims 1-7.
10. A storage medium containing computer-executable instructions for performing the fund matching method of any one of claims 1-7 when executed by a computer processor.
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