CN113379554A

CN113379554A - Method, apparatus, device, medium, and program product for recommending financial product

Info

Publication number: CN113379554A
Application number: CN202110663368.6A
Authority: CN
Inventors: 柳青; 胡凯乐; 李炯
Original assignee: Industrial and Commercial Bank of China Ltd ICBC
Current assignee: Industrial and Commercial Bank of China Ltd ICBC
Priority date: 2021-06-15
Filing date: 2021-06-15
Publication date: 2021-09-10

Abstract

The invention provides a recommendation method, device, equipment, medium and program product of financial products; the recommendation method of the financial product comprises the following steps: acquiring user asset information and investment target information of a user; screening to obtain recommended financial products according to the investment target information; calculating to obtain required asset information according to the recommended financial products; and comparing the user asset information with the required asset information, and controlling and outputting the recommended financial products. In the embodiment provided by the disclosure, the user asset information and the investment target information of the user are acquired, the recommended financial products are screened according to the investment target information, so that the targeted financial products are provided according to different requirements of the user, then the required asset information is calculated and compared with the user asset information, the recommended financial products are output under the condition that the user can bear or is willing to receive, and the personalized requirements of the user are met.

Description

Method, apparatus, device, medium, and program product for recommending financial product

Technical Field

The present invention relates to the field of big data, and in particular, to a method, an apparatus, a device, a medium, and a program product for recommending financial products.

Background

Recommending proper financial products to users is always an important work of the traditional banking industry, and in the link of recommending proper and satisfactory financial products to users, the traditional banking industry has opportunities and challenges, and the traditional recommendation mode considers that: income situation, liability situation, etc. However, the demands of the users for investment in each time are different, and the investment suggestions given by banks based on the same set of standards are often similar and cannot meet the demands of the users

Although the information can be used as reference information, the information cannot provide personalized requirements for the user, the future consumption target of the user is more difficult to consider, the investment is usually considered as a superior view of saving, and the user hopes to take out the information after investing for a certain age to realize consumption; such as travel, employment training, etc. The profits pursued by different investment requirements, the risks that can be borne, the available principal and the like are different, personalized requirements cannot be provided for users, the future consumption targets of the users are more difficult to consider, and the stickiness of the users needs to be further improved by solving the problems.

Disclosure of Invention

In view of the above problems, the present disclosure provides a method, an apparatus, a device, a medium, and a program product for recommending a financial product, which aim to solve the problem that a personalized investment suggestion cannot be provided for a user.

According to a first aspect of the present disclosure, there is provided a recommendation method of a financial product, including:

acquiring user asset information and investment target information of a user;

screening to obtain recommended financial products according to the investment target information;

calculating to obtain required asset information according to the recommended financial products;

and comparing the user asset information with the required asset information, and controlling to output the recommended financial product.

According to an embodiment of the present disclosure, the investment objective information includes a plurality of predetermined objectives;

the step of screening and obtaining the recommended financial products according to the investment target information comprises the following steps:

classifying and combining a plurality of preset targets according to the investment target information to obtain a plurality of target groups;

and respectively screening to obtain a plurality of recommended financial products according to the target groups.

According to the embodiment of the present disclosure, the step of classifying and merging the plurality of predetermined targets according to the investment target information to obtain a plurality of target groups includes:

respectively obtaining expected information of each preset target according to the investment target information;

and classifying and combining the plurality of preset targets according to the expected information to obtain a plurality of target groups.

According to an embodiment of the present disclosure, the desired information includes at least one of a desired amount, a completion time, a degree of completion, and a risk-resistance capability.

According to an embodiment of the present disclosure, the user asset information includes an existing amount, and the demand asset information includes a demand amount;

comparing the user asset information with the required asset information, and controlling the output of the recommended financial product comprises the following steps:

when the existing amount is greater than or equal to the required amount, controlling to output the recommended financial product;

and when the existing amount is less than the required amount, controlling not to output the recommended financial product.

According to an embodiment of the present disclosure, when the present amount is less than the required amount, controlling not to output the recommended financial product further includes, after the step of:

and controlling to output the target adjustment prompt.

According to an embodiment of the present disclosure, the user asset information includes at least one of user age, education background, occupation background, present amount, liability condition.

A second aspect of the present disclosure provides a recommendation apparatus for financial products, including:

the input module is used for acquiring user asset information and investment target information of a user;

the screening module is used for screening and obtaining the recommended financial products according to the investment target information;

the calculation module is used for calculating to obtain required asset information according to the recommended financial products; and the number of the first and second groups,

and the comparison module is used for comparing the user asset information with the required asset information and controlling the output of the recommended financial product.

the screening module includes:

the merging unit is used for classifying and merging the preset targets according to the investment target information to obtain a plurality of target groups; and the number of the first and second groups,

and the recommending unit is used for respectively screening and obtaining a plurality of recommended financial products according to the target groups.

According to an embodiment of the present disclosure, the merging unit includes:

the information subunit is used for respectively obtaining expected information of each preset target according to the investment target information; and the number of the first and second groups,

and the classification subunit is used for classifying and combining the plurality of preset targets according to the expected information to obtain a plurality of target groups.

the comparison module comprises:

a first judging unit for controlling to output the recommended financial product when the existing amount is equal to or greater than the required amount; and the number of the first and second groups,

and a second judging unit configured to control not to output the recommended financial product when the existing amount is less than the required amount.

According to an embodiment of the present disclosure, the second determination unit further includes:

and the reminding subunit is used for controlling the output target to adjust the reminding.

A third aspect of the present disclosure provides an electronic device, comprising: one or more processors; a memory for storing one or more programs, wherein the one or more programs, when executed by the one or more processors, cause the one or more processors to perform the above-described method for recommending financial products.

The fourth aspect of the present disclosure also provides a computer-readable storage medium having stored thereon executable instructions that, when executed by a processor, cause the processor to perform the above-described method for recommending a financial product.

The fifth aspect of the present disclosure also provides a computer program product comprising a computer program that, when executed by a processor, implements the above-described recommendation method for financial products.

Drawings

The foregoing and other objects, features and advantages of the disclosure will be apparent from the following description of embodiments of the disclosure, which proceeds with reference to the accompanying drawings, in which:

fig. 1 schematically shows a system architecture of a recommendation method and apparatus for financial products according to an embodiment of the present disclosure;

FIG. 2 schematically illustrates a flow diagram of a method for recommending financial products according to an embodiment of the present disclosure;

FIG. 3 schematically shows a flowchart of a recommendation method for financial products according to a second embodiment of the present disclosure;

FIG. 4 schematically shows a flowchart of a recommendation method for financial products according to a third embodiment of the present disclosure;

FIG. 5 is a schematic flow chart illustrating a recommendation method for financial products according to a fourth embodiment of the present disclosure;

fig. 6 is a block diagram schematically illustrating a configuration of a recommendation apparatus for financial products according to an embodiment of the present disclosure;

fig. 7 is a block diagram schematically showing the construction of a recommendation apparatus for financial products according to a second embodiment of the present disclosure;

fig. 8 is a block diagram schematically showing a configuration of a recommendation apparatus for financial products according to a third embodiment of the present disclosure;

fig. 9 schematically shows a block diagram of an electronic device adapted to implement the above described method according to an embodiment of the present disclosure.

Detailed Description

Hereinafter, embodiments of the present disclosure will be described with reference to the accompanying drawings. It should be understood that the description is illustrative only and is not intended to limit the scope of the present disclosure. In the following detailed description, for purposes of explanation, numerous specific details are set forth in order to provide a thorough understanding of the embodiments of the disclosure. It may be evident, however, that one or more embodiments may be practiced without these specific details. Moreover, in the following description, descriptions of well-known structures and techniques are omitted so as to not unnecessarily obscure the concepts of the present disclosure.

The terminology used herein is for the purpose of describing particular embodiments only and is not intended to be limiting of the disclosure. The terms "comprises," "comprising," and the like, as used herein, specify the presence of stated features, steps, operations, and/or components, but do not preclude the presence or addition of one or more other features, steps, operations, or components.

All terms (including technical and scientific terms) used herein have the same meaning as commonly understood by one of ordinary skill in the art unless otherwise defined. It is noted that the terms used herein should be interpreted as having a meaning that is consistent with the context of this specification and should not be interpreted in an idealized or overly formal sense.

Where a convention analogous to "at least one of A, B and C, etc." is used, in general such a construction is intended in the sense one having skill in the art would understand the convention (e.g., "a system having at least one of A, B and C" would include but not be limited to systems that have a alone, B alone, C alone, a and B together, a and C together, B and C together, and/or A, B, C together, etc.).

In the technical scheme of the disclosure, the acquisition, storage, application and the like of the personal information of the related user all accord with the regulations of related laws and regulations, necessary security measures are taken, and the customs of the public order is not violated.

An embodiment of the present disclosure provides a recommendation method for a financial product, including:

acquiring user asset information and investment target information of a user;

The embodiment of the disclosure provides a recommendation method of a financial product, which aims to solve the problem that personalized investment suggestions cannot be provided for a user.

Fig. 1 schematically shows an application scenario diagram of a method and an apparatus for determining network traffic according to an embodiment of the present disclosure.

As shown in fig. 1, the application scenario according to this embodiment may include a financial service field. Network 102 is the medium used to provide communication links between terminal devices 101 and server 103. Network 102 may include various connection types, such as wired, wireless communication links, or fiber optic cables, to name a few.

A user may use terminal device 101 to interact with server 103 over network 102 to receive or send messages and the like. Various communication client applications, such as shopping applications, web browser applications, search applications, instant messaging tools, mailbox clients, social platform software, etc. (for example only) may be installed on the terminal device 101.

The terminal device 101 may be various electronic devices having a display screen and supporting web browsing, including but not limited to smart phones, tablet computers, laptop portable computers, desktop computers, and the like.

The server 103 may be a server that provides various services, such as a background management server (for example only) that provides support for websites browsed by users using the terminal devices 101. The background management server may analyze and perform other processing on the received data such as the user request, and feed back a processing result (e.g., a webpage, information, or data obtained or generated according to the user request) to the terminal device.

It should be noted that the method for determining network traffic provided by the embodiment of the present disclosure may be generally executed by the server 103. Accordingly, the network traffic determination device provided by the embodiment of the present disclosure may be generally disposed in the server 103. The method for determining network traffic provided by the embodiment of the present disclosure may also be executed by a server or a server cluster that is different from the server 103 and is capable of communicating with the terminal device 101 and/or the server 103. Accordingly, the device for determining network traffic provided by the embodiment of the present disclosure may also be disposed in a server or a server cluster that is different from the server 103 and is capable of communicating with the terminal device 101 and/or the server 103.

It should be understood that the number of terminal devices, networks, and servers in fig. 1 is merely illustrative. There may be any number of terminal devices, networks, and servers, as desired for implementation.

A recommendation method of a financial product of the disclosed embodiment will be described in detail through fig. 2 based on the scenario described in fig. 1.

FIG. 2 schematically illustrates a flow chart of a method for recommending financial products according to an embodiment of the present disclosure.

As shown in fig. 2, the recommendation method for a financial product of this embodiment includes operations S10 through S40, and the transaction processing method may be performed by a recommendation apparatus for a financial product.

S10, acquiring user asset information and investment target information of a user;

s20, screening according to the investment target information to obtain a recommended financial product;

s30, calculating according to the recommended financial products to obtain required asset information;

and S40, comparing the user asset information with the required asset information, and controlling to output the recommended financial product.

In the embodiment provided by the disclosure, the user asset information and the investment target information of the user are acquired, the recommended financial products are screened according to the investment target information, so that the targeted financial products are provided according to different requirements of the user, then the required asset information is calculated and compared with the user asset information, the recommended financial products are output under the condition that the user can bear or is willing to receive, and the personalized requirements of the user are met.

Further, referring to fig. 3, the investment target information includes a plurality of predetermined targets; step S20 includes:

s21, classifying and combining a plurality of preset targets according to the investment target information to obtain a plurality of target groups;

and S22, respectively screening to obtain a plurality of recommended financial products according to the plurality of target groups.

In the embodiment, the investment target information comprises a plurality of preset targets, the preset targets are classified and combined to generate a plurality of target groups, the preset targets in each target group have certain similarity so as to finish the preset targets simultaneously and give financial products according to the same requirement simultaneously, resources are saved, the financial products do not need to be given one by each preset target, and the cost can be increased to a certain extent in the financial industry due to the superposition of the preset targets, so that the targets are more convenient to finish.

It should be noted that there are various classification and combination manners, and different combination manners may be adopted according to the actual needs of the bank or the customer, for example, classification is performed according to the properties of a plurality of predetermined targets, for example, classification of entertainment and living categories of the predetermined targets into one category, and classification of work and study categories into one category; or urgency based on a number of predetermined objectives, such as short-term investment, long-term investment, etc.; referring to fig. 4, in the present embodiment, step S21 includes:

s211, respectively obtaining expected information of each preset target according to the investment target information;

s212, classifying and combining the plurality of preset targets according to the expected information to obtain a plurality of target groups.

In the embodiment, by merging the expected information of each preset target, and taking the same or similar items in the expected information as a basis, a plurality of preset targets are merged, so that the merging accuracy is ensured, each preset target can be realized, and the condition that the realization process of part of the preset targets exceeds the psychological expectation of a user or cannot be realized due to the fact that only the standard classification of the fixed setting is relied on is avoided.

Specifically, in embodiments provided by the present disclosure, the desired information includes at least one of a desired amount, a completion time, a degree of completion, and a risk-resistance capability. The classification most suitable for the user is obtained by mutually balancing a plurality of conditions. It is obvious that the desired information includes at least one of them, which is not specifically limited herein, and may be targeted according to the actual situation of the bank and the user.

The present disclosure provides a specific embodiment wherein the user includes three predetermined goals and the desired information includes a desired amount of money, a completion time, a completion level, and a risk resistance. Predetermined target 1: the education of children takes 10 ten thousand yuan, which is achieved by more than 90% after 2 years, and the risk bearing capacity is weak; predetermined target 2: 5 ten thousand yuan of one-time repayment is needed, more than 80% of the repayment needs to be achieved after 2 years, and the risk bearing capacity is weak; predetermined target 3: the method is used for circulating 100 thousands of people in the world, and after 10 years, more than 40% of people are expected to achieve the method, and the risk tolerance is high. According to the classification condition, the preset target 1 and the preset target 2 can be classified into one type to form a first target group; the predetermined targets 3 individually form a second target group; and then the recommended financial products are respectively given according to the first target group and the second target group.

In addition, referring to fig. 5, in the embodiment, the user asset information includes the current amount, and the required asset information includes the required amount; step S40 includes:

s41, when the current amount is larger than or equal to the required amount, controlling to output the recommended financial product;

and S42, when the current amount is less than the required amount, controlling not to output the recommended financial product.

There are various ways of controlling the output of recommended financial products, for example, according to the user's payroll level, family conditions, disposable income, and the like; in this embodiment, in order to facilitate the user to purchase the recommended financial product in time, the current amount and the required amount are directly compared, visually displayed, and the user can conveniently make a decision.

Further, step S42 is followed by:

and S421, controlling and outputting the target adjustment prompt.

When the current amount is less than the required amount, the surface user can not complete the purchase of the financial product temporarily, and controls the output target to adjust the prompt and inform the user so as to be convenient for the user to reestablish the target.

It should be noted that, in this embodiment, the user asset information includes at least one of the user age, education background, occupation background, existing amount, and liability condition. Thereby providing the recommended financial product more accurately.

Fig. 6 is a block diagram schematically illustrating a configuration of a recommendation apparatus for financial products according to an embodiment of the present disclosure.

As shown in fig. 6, the financial product recommendation apparatus 200 of this embodiment includes an input module 1, a filtering module 2, a calculating module 3, and a comparing module 4;

the input module 1 is used for acquiring user asset information and investment target information of a user;

the screening module 2 is used for screening and obtaining the recommended financial products according to the investment target information;

the calculation module 3 is used for calculating to obtain required asset information according to the recommended financial products; and the number of the first and second groups,

the comparison module 4 is used for comparing the user asset information and the required asset information and controlling and outputting the recommended financial products.

Further, referring to fig. 7, the investment target information includes a plurality of predetermined targets; the screening module 2 comprises a merging unit 21 and a recommending unit 22;

the merging unit 21 is configured to classify and merge a plurality of predetermined targets according to the investment target information to obtain a plurality of target groups;

the recommending unit 22 is used for respectively screening a plurality of recommended financial products according to a plurality of target groups.

Furthermore, the merging unit 21 includes an information subunit 211 and a classification subunit 212;

the information subunit 211 is configured to obtain expected information of each predetermined target according to the investment target information;

the classification subunit 212 is configured to classify and combine a plurality of predetermined targets according to the expected information, so as to obtain a plurality of target groups.

On the other hand, referring to fig. 8, the user asset information includes the existing amount, and the demand asset information includes the demand amount; the comparison module 4 comprises a first determination unit 41 and a second determination unit 42

The first judging unit 41 is used for controlling and outputting the recommended financial product when the existing amount is larger than or equal to the required amount;

the second judging unit 42 is configured to control not to output the recommended financial product when the existing amount is less than the required amount.

Further, the second determining unit 42 further includes a reminding sub-unit 421, and the reminding sub-unit 421 is used for controlling the output target adjustment reminding.

Any number of modules, sub-modules, units, sub-units, or at least part of the functionality of any number thereof according to embodiments of the present disclosure may be implemented in one module. Any one or more of the modules, sub-modules, units, and sub-units according to the embodiments of the present disclosure may be implemented by being split into a plurality of modules. Any one or more of the modules, sub-modules, units, sub-units according to embodiments of the present disclosure may be implemented at least in part as a hardware circuit, such as a Field Programmable Gate Array (FPGA), a Programmable Logic Array (PLA), a system on a chip, a system on a substrate, a system on a package, an Application Specific Integrated Circuit (ASIC), or may be implemented in any other reasonable manner of hardware or firmware by integrating or packaging a circuit, or in any one of or a suitable combination of software, hardware, and firmware implementations. Alternatively, one or more of the modules, sub-modules, units, sub-units according to embodiments of the disclosure may be at least partially implemented as a computer program module, which when executed may perform the corresponding functions.

Fig. 9 schematically illustrates a block diagram of an electronic device adapted to implement a method of determining network traffic according to an embodiment of the present disclosure.

As shown in fig. 9, an electronic device 300 according to an embodiment of the present disclosure includes a processor 3001, which can perform various appropriate actions and processes according to a program stored in a Read Only Memory (ROM)3002 or a program loaded from a storage section 3008 into a Random Access Memory (RAM) 3003. The processor 3001 may comprise, for example, a general purpose microprocessor (e.g., a CPU), an instruction set processor and/or associated chipset, and/or a special purpose microprocessor (e.g., an Application Specific Integrated Circuit (ASIC)), among others. The processor 3001 may also include on-board memory for caching purposes. The processor 3001 may include a single processing unit or multiple processing units for performing the different actions of the method flows according to embodiments of the present disclosure.

In the RAM 3003, various programs and data necessary for the operation of the electronic apparatus 300 are stored. The processor 3001, the ROM 3002, and the RAM 3003 are connected to each other by a bus 3004. The processor 3001 performs various operations of the method flows according to the embodiments of the present disclosure by executing programs in the ROM 3002 and/or the RAM 3003. Note that the program may also be stored in one or more memories other than the ROM 3002 and the RAM 3003. The processor 3001 may also perform various operations of the method flows according to embodiments of the present disclosure by executing programs stored in the one or more memories.

According to an embodiment of the present disclosure, electronic device 300 may also include an input/output (I/O) interface 3005, input/output (I/O) interface 3005 also connected to bus 3004. The electronic device 300 may also include one or more of the following components connected to the I/O interface 3005: an input portion 3006 including a keyboard, a mouse, and the like; an output section 3007 including a display such as a Cathode Ray Tube (CRT), a Liquid Crystal Display (LCD), and the like, and a speaker; a storage section 3008 including a hard disk and the like; and a communication section 3009 including a network interface card such as a LAN card, a modem, or the like. The communication section 3009 performs communication processing via a network such as the internet. Drivers 3010 are also connected to I/O interface 3005 as needed. A removable medium 3011 such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, or the like is mounted on the drive 3010 as necessary, so that a computer program read out therefrom is mounted in the storage section 3008 as necessary.

The present disclosure also provides a computer-readable storage medium, which may be contained in the apparatus/device/system described in the above embodiments; or may exist separately and not be assembled into the device/apparatus/system. The computer-readable storage medium carries one or more programs which, when executed, implement the method according to an embodiment of the disclosure.

According to embodiments of the present disclosure, the computer-readable storage medium may be a non-volatile computer-readable storage medium, which may include, for example but is not limited to: 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), 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 present disclosure, 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. For example, according to embodiments of the present disclosure, a computer-readable storage medium may include one or more memories other than the ROM 3002 and/or the RAM 3003 and/or the ROM 3002 and the RAM 3003 described above.

Embodiments of the present disclosure also include a computer program product comprising a computer program containing program code for performing the method illustrated in the flow chart. When the computer program product runs in a computer system, the program code is used for causing the computer system to realize the item recommendation method provided by the embodiment of the disclosure.

The computer program performs the above-described functions defined in the system/apparatus of the embodiments of the present disclosure when executed by the processor 3001. The systems, apparatuses, modules, units, etc. described above may be implemented by computer program modules according to embodiments of the present disclosure.

In one embodiment, the computer program may be hosted on a tangible storage medium such as an optical storage device, a magnetic storage device, or the like. In another embodiment, the computer program may also be transmitted in the form of a signal on a network medium, distributed, downloaded and installed via the communication section 3009, and/or installed from the removable medium 3011. The computer program containing program code may be transmitted using any suitable network medium, including but not limited to: wireless, wired, etc., or any suitable combination of the foregoing.

In such an embodiment, the computer program may be downloaded and installed from a network through the communication section 3009, and/or installed from the removable medium 3011. The computer program performs the above-described functions defined in the system of the embodiment of the present disclosure when executed by the processor 3001. The systems, devices, apparatuses, modules, units, etc. described above may be implemented by computer program modules according to embodiments of the present disclosure.

In accordance with embodiments of the present disclosure, program code for executing computer programs provided by embodiments of the present disclosure may be written in any combination of one or more programming languages, and in particular, these computer programs may be implemented using high level procedural and/or object oriented programming languages, and/or assembly/machine languages. The programming language includes, but is not limited to, programming languages such as Java, C + +, python, the "C" language, or the like. The program code may execute entirely on the user computing device, partly on the user device, partly on a remote computing device, or entirely on the remote computing device or server. In the case of a remote computing device, the remote computing device may be connected to the user computing device through any kind of network, including a Local Area Network (LAN) or a Wide Area Network (WAN), or may be connected to an external computing device (e.g., through the internet using an internet service provider).

The flowchart and block diagrams in the figures illustrate the architecture, functionality, and operation of possible implementations of systems, methods and computer program products according to various embodiments of the present disclosure. In this regard, each block in the flowchart or block diagrams may represent a module, segment, or portion of code, which comprises one or more executable instructions for implementing the specified logical function(s). It should also be noted that, in some alternative implementations, the functions noted in the block may occur out of the order noted in the figures. For example, two blocks shown in succession may, in fact, be executed substantially concurrently, or the blocks may sometimes be executed in the reverse order, depending upon the functionality involved. It will also be noted that each block of the block diagrams or flowchart illustration, and combinations of blocks in the block diagrams or flowchart illustration, can be implemented by special purpose hardware-based systems which perform the specified functions or acts, or combinations of special purpose hardware and computer instructions.

Those skilled in the art will appreciate that various combinations and/or combinations of features recited in the various embodiments and/or claims of the present disclosure can be made, even if such combinations or combinations are not expressly recited in the present disclosure. In particular, various combinations and/or combinations of the features recited in the various embodiments and/or claims of the present disclosure may be made without departing from the spirit or teaching of the present disclosure. All such combinations and/or associations are within the scope of the present disclosure.

The embodiments of the present disclosure have been described above. However, these examples are for illustrative purposes only and are not intended to limit the scope of the present disclosure. Although the embodiments are described separately above, this does not mean that the measures in the embodiments cannot be used in advantageous combination. The scope of the disclosure is defined by the appended claims and equivalents thereof. Various alternatives and modifications can be devised by those skilled in the art without departing from the scope of the present disclosure, and such alternatives and modifications are intended to be within the scope of the present disclosure.

The above-mentioned embodiments are intended to illustrate the objects, technical solutions and advantages of the present invention in further detail, and it should be understood that the above-mentioned embodiments are only exemplary embodiments of the present invention, and are not intended to limit the present invention, and any modifications, equivalents, improvements and the like made within the spirit and principle of the present invention should be included in the protection scope of the present invention.

Claims

1. A method for recommending financial products, comprising:

acquiring user asset information and investment target information of a user;

2. The recommendation method for financial products according to claim 1, wherein said investment target information includes a plurality of predetermined targets;

3. The method for recommending financial products according to claim 2, wherein the step of classifying and merging a plurality of said predetermined targets into a plurality of target groups based on said investment target information comprises:

4. A recommendation method for financial products as claimed in claim 3, wherein said expectation information includes at least one of an expectation amount, a completion time, a completion degree and a risk-resistance capability.

5. A recommendation method for a financial product as claimed in claim 1, wherein said user property information includes an existing amount, and said demanded property information includes a demanded amount;

6. The method of recommending financial products of claim 5, wherein when said existing amount is less than said demanded amount, the step of controlling not to output said recommended financial product further comprises:

and controlling to output the target adjustment prompt.

7. The method of recommending financial products according to claim 1, wherein said user asset information comprises at least one of user age, education background, occupation background, amount of money on hand, and liability condition.

8. An apparatus for recommending financial products, comprising:

9. The financial product recommendation device of claim 8, wherein said investment target information includes a plurality of predetermined targets;

the screening module includes:

10. The financial product recommendation device of claim 9, wherein said merging unit comprises:

11. The financial product recommendation device of claim 8, wherein said user asset information includes an existing amount, said demanded asset information includes a demanded amount;

the comparison module comprises:

12. The recommendation apparatus for financial products as set forth in claim 11, wherein said second judgment unit further comprises:

13. An electronic device, comprising:

one or more processors;

a memory for storing one or more programs,

wherein the one or more programs, when executed by the one or more processors, cause the one or more processors to implement the method of any of claims 1-7.

14. A computer-readable storage medium having stored thereon executable instructions which, when executed by a processor, cause the processor to carry out the method of any one of claims 1 to 7.

15. A computer program product, characterized in that it comprises a computer program which, when executed by a processor, implements the method according to any one of claims 1 to 7.