CN113554274A - Data processing method, system and storage medium - Google Patents
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Abstract
The application relates to the technical field of network credit rating, and provides a data processing method, a system and a storage medium, wherein the data processing method comprises the following steps: the first system receives a request message from the second system, searches a target characteristic expression corresponding to the target index identification from a database, acquires target configuration information corresponding to the target index identification, and acquires a parameter value of each parameter to be determined in the at least one parameter to be determined corresponding to the target object according to the target configuration information; determining an index value of the index to be calculated based on the target characteristic expression and the parameter value of each parameter to be determined in the at least one parameter to be determined; and sending the index value of the index to be calculated to the second system. By implementing the method and the device, the efficiency of index calculation can be improved, and the change of the characteristic expression and the configuration information of the index can be flexibly supported.
Description
Technical Field
The present application relates to the field of network credit rating technologies, and in particular, to a data processing method, system, and storage medium.
Background
Credit rating is a core flow in risk control, and a credit rating result needs to be obtained by integrating index values of various quantitative indexes and index values of qualitative indexes. At present, the method for obtaining the index values of various indexes mainly comprises the steps of manually calculating the index value of each index according to data such as enterprise financial reports and the like, inputting the index value of each index into a credit rating system to obtain final credit rating, wherein when the index value of each index is manually calculated, the calculation amount is large, errors are easy to make, and the efficiency is low.
Disclosure of Invention
In view of the above, it is necessary to provide a data processing method, system and storage medium, which can improve the efficiency of index calculation, and can flexibly configure the feature expression and configuration information for calculating the index, and flexibly support the change of the feature expression and configuration information of the index.
In a first aspect, the present application provides a data processing method, including:
the method comprises the steps that a first system receives a request message from a second system, wherein the request message is used for requesting to acquire an index value of an index to be calculated and is associated with a target object, the request message comprises a target index identifier of the index to be calculated and an object identifier of the target object, and the second system is a front-end system of the first system;
the first system searches a target characteristic expression corresponding to the target index identification from a database, the target characteristic expression comprises at least one parameter to be determined, the database comprises a corresponding relation between a plurality of index identifications and a plurality of characteristic expressions, one index identification corresponds to one characteristic expression, and the plurality of index identifications comprise the target index identification;
the first system acquires target configuration information corresponding to the target index identification, wherein the target configuration information comprises the definition of the parameter to be determined and the value mode of the parameter to be determined;
the first system acquires a parameter value of each parameter to be determined in the at least one parameter to be determined corresponding to the target object according to the target configuration information;
the first system determines an index value of the index to be calculated based on the target characteristic expression and the parameter value of each parameter to be determined in the at least one parameter to be determined;
and the first system sends the index value of the index to be calculated to the second system.
In combination with the first aspect, in some embodiments, the method further comprises:
and the second system carries out rating calculation on the index value of the index to be calculated through a credit rating model to obtain the credit rating of the target object.
With reference to the first aspect, in some embodiments, the obtaining, by the first system, a parameter value of each to-be-determined parameter of the at least one to-be-determined parameter corresponding to the target object according to the target configuration information includes:
the first system acquires financial and newspaper data corresponding to the target object;
and the first system acquires the parameter value of each parameter to be determined in the at least one parameter to be determined corresponding to the target object from the financial report data according to the target configuration information.
In combination with the first aspect, in some embodiments, the method further comprises:
the second system loads a credit rating page, wherein the credit rating page comprises a target input box, and the target input box is used for inputting an index value of the index to be calculated, which is associated with the target object;
if the second system detects the operation on the target input box, the second system sends the request message to the first system;
after the first system sends the index value of the index to be calculated to the second system, the method further comprises the following steps:
and the second system outputs the index value of the index to be calculated in the target input box.
In combination with the first aspect, in some embodiments, the method further comprises:
the second system loads a credit rating page, wherein the credit rating page comprises an index acquisition control, and the index acquisition control is associated with the index to be calculated of the target object;
if the second system detects the operation on the index acquisition control, the second system loads a page corresponding to the index to be calculated and sends the request message to the first system;
after the first system sends the index value of the index to be calculated to the second system, the method further comprises the following steps:
and the second system outputs the index value of the index to be calculated on the page corresponding to the index to be calculated.
With reference to the first aspect, in some embodiments, the obtaining, by the first system, target configuration information corresponding to the target indicator identifier includes:
the first system searches target configuration information corresponding to the target index identification from a parameter table, wherein the parameter table comprises a corresponding relation between a plurality of index identifications and a plurality of configuration information, one index identification corresponds to one configuration information, and the plurality of index identifications comprise the target index identification.
In some embodiments in combination with the first aspect, the indicator to be calculated comprises a capital abundance ratio or a loan-proportion variation.
In a second aspect, the present application provides a data processing system comprising:
a receiving unit, configured to receive a request message from a second system, where the request message is used to request to acquire an index value of an index to be calculated, where the index is associated with a target object, the request message includes a target index identifier of the index to be calculated and an object identifier of the target object, and the second system is a front-end system of the first system;
the searching unit is used for searching a target characteristic expression corresponding to the target index identification, the target characteristic expression comprises at least one parameter to be determined, the database comprises a corresponding relation between a plurality of index identifications and a plurality of characteristic expressions, one index identification corresponds to one characteristic expression, and the plurality of index identifications comprise the target index identification;
a first obtaining unit, configured to obtain target configuration information corresponding to the target indicator identifier, where the target configuration information includes a definition of the parameter to be determined and a value mode of the parameter to be determined;
a second obtaining unit, configured to obtain, according to the target configuration information, a parameter value of each to-be-determined parameter of the at least one to-be-determined parameter corresponding to the target object;
the determining unit is used for determining an index value of the index to be calculated based on the target characteristic expression and the parameter value of each parameter to be determined in the at least one parameter to be determined;
and the sending unit is used for sending the index value of the index to be calculated to the second system.
With reference to the second aspect, in some embodiments, the second obtaining unit is specifically configured to:
acquiring financial and newspaper data corresponding to the target object; and acquiring a parameter value of each parameter to be determined in the at least one parameter to be determined corresponding to the target object from the financial report data according to the target configuration information.
With reference to the second aspect, in some embodiments, the first obtaining unit is specifically configured to:
target configuration information corresponding to the target index identification is searched from a parameter table, the parameter table comprises a corresponding relation between a plurality of index identifications and a plurality of configuration information, one index identification corresponds to one configuration information, and the plurality of index identifications comprise the target index identification.
In combination with the second aspect, in some embodiments, the indicator to be calculated comprises a change in capital abundance or loan-proportion.
In a third aspect, the present application provides a data processing system comprising:
a receiving unit, configured to receive an index value of an index to be calculated from a first system;
and the rating calculation unit is used for performing rating calculation on the index value of the index to be calculated through a credit rating model to obtain the credit rating of the target object.
With reference to the third aspect, in some embodiments, the data processing system further comprises:
the loading unit is used for loading a credit rating page, the credit rating page comprises a target input box, and the target input box is used for inputting the index value of the index to be calculated, which is associated with the target object;
a sending unit, configured to send the request message to the first system if an operation on the target input box is detected;
and the output unit is used for outputting the index value of the index to be calculated in the target input box.
With reference to the third aspect, in some embodiments, the data processing system further comprises:
the loading unit is used for loading a credit rating page, the credit rating page comprises an index acquisition control, and the index acquisition control is associated with the index to be calculated of the target object;
a sending unit, configured to load a page corresponding to the index to be calculated if operation on the index obtaining control is detected, and send the request message to the first system;
and the output unit is used for outputting the index value of the index to be calculated on the page corresponding to the index to be calculated.
In combination with the third aspect, in some embodiments, the indicator to be calculated includes a change in capital abundance or loan-proportion.
In a fourth aspect, the present application provides a data processing apparatus, including a processor, a memory, and a communication interface, where the processor, the memory, and the communication interface are connected to each other, where the communication interface is configured to receive and transmit data, the memory is configured to store program codes, and the processor is configured to call the program codes to perform a method as described in the first aspect and any possible implementation manner of the first aspect.
In a fifth aspect, the present application provides a computer readable storage medium having a computer program stored therein; the computer program, when run on one or more processors, causes the terminal device to perform the method as described in the first aspect and any possible implementation form of the first aspect.
In the embodiment of the application, the first system is arranged for calculating the index value of the index to be calculated, and the characteristic expressions and the configuration information used for calculating the indexes are separately deployed, when the first system receives a request message sent by a front-end system for requesting to calculate the index value of the index to be calculated, obtaining a target characteristic expression corresponding to the target index identification from a database, obtaining target configuration information corresponding to the target index identification, obtaining the parameter value of each parameter to be determined in the target characteristic expression according to the target configuration information, therefore, the index value of the index to be calculated is determined based on the target characteristic expression and the parameter value of each parameter to be determined, the characteristic expression and the configuration information for calculating the index can be flexibly configured by adopting the method, the change of the characteristic expression and the configuration information is flexibly supported, and the index calculation efficiency can be improved.
Drawings
In order to more clearly illustrate the technical solutions in the embodiments of the present application, the drawings needed to be used in the embodiments will be briefly described below.
FIG. 1 is a system architecture diagram provided herein;
fig. 2 is a schematic flowchart of a data processing method according to an embodiment of the present application;
FIG. 3 is a block diagram of a data processing system according to an embodiment of the present application;
fig. 4 is a schematic diagram of a data processing apparatus according to an embodiment of the present application.
Detailed Description
The present invention is described in further detail below with reference to the attached drawing figures.
The terminology used in the following embodiments of the present application is for the purpose of describing particular embodiments only and is not intended to be limiting of the present application. As used in the specification of the present application and the appended claims, the singular forms "a", "an", "the" and "the" are intended to include the plural forms as well, unless the context clearly indicates otherwise.
In this application, "at least one" means one or more, "a plurality" means two or more, "at least two" means two or three and three or more, "and/or" for describing an association relationship of associated objects, which means that there may be three relationships, for example, "a and/or B" may mean: only A, only B and both A and B are present, wherein A and 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 item(s) below" or similar expressions refer to any combination of these 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 and b and c.
In order to more clearly describe the scheme of the present application, some drawings related to the present application are further described below.
Referring to fig. 1, a network architecture diagram suitable for the present application is shown, where the network architecture includes a first system and a second system, where the second system may be a front-end system, and the first system may be a back-end system, in this embodiment, the front-end system may be a system capable of providing a User Interface Design (UI), and the back-end system may be a data processing system, such as a server.
In the embodiment of the application, a credit rating person can trigger the credit rating of the target object through the second system, and the second system acquires the index values of the indexes when the credit rating of the target object is performed. And the second system acquires the index values of all the indexes from the first system and finishes the credit rating of the target object through a pre-configured credit rating model.
The first system is used for calculating the index value of the index to be calculated, which is requested by the second system, and the configuration maintenance personnel can configure the index identification of each index in the credit rating model, the characteristic expression corresponding to the index identification and the configuration information corresponding to the index identification through the configuration page. After the configuration maintenance personnel click the save button on the configuration page, the first system can store the index identification of each index, the characteristic expression corresponding to the index identification and the configuration information corresponding to the index identification into the database, wherein the corresponding relation between the index identification and the characteristic expression can be stored into the database, the corresponding relation between the index identification and the configuration information can be stored into the parameter table, and the parameter table can be in the database.
When the first system receives an index value used for requesting to acquire an index to be calculated and associated with a target object from the second system, the first system reads a corresponding target feature expression and target configuration information from a database, automatically calculates the index value of the index to be calculated, and sends the index value to the second system.
The indexes in the present application refer to reference information for performing credit rating on the target object, and the credit rating of the target object can be obtained by inputting the index values of the indexes into a credit rating model, and the indexes may include, but are not limited to, a capital abundance ratio, a loan-to-loan ratio change, and the like.
Referring to fig. 2, fig. 2 is a schematic flowchart illustrating a data processing method according to an embodiment of the present disclosure. As shown in fig. 2, the method includes, but is not limited to, the following steps:
s101, a second system sends a request message to a first system, wherein the request message is used for requesting to acquire an index value of an index to be calculated, the index value is associated with a target object, the request message comprises a target index identifier of the index to be calculated and an object identifier of the target object, and the second system is a front-end system of the first system;
in one embodiment, the credit rater may trigger a second system to send a request message to the first system, the second system may be a front-end system that provides human-computer interaction, and the first system may be a back-end system that calculates an indicator value for the indicator.
In an alternative embodiment, the second system may load a credit rating page including a target input box for inputting an index value of an index to be calculated associated with the target object. And if the second system detects the operation on the target input box, the second system automatically sends a request message to the first system. For example, it may be that the second system triggers the second system to send a request message to the first system when detecting a click operation in a target input box, such as when a credit rater clicks an input box for entering an index value, the second system sends the request message. It is to be understood that, correspondingly, after the first system obtains the index value of the index to be calculated, the second system may output the index value of the index to be calculated in the target input box.
In another alternative embodiment, the second system loads a credit rating page that includes a metric acquisition control associated with a metric to be computed for the target object. For example, the credit rating page includes a plurality of index acquisition controls respectively corresponding to a plurality of indexes, and index values of the plurality of indexes are used for performing credit rating on the target object. The credit rating personnel can operate each index acquisition control so as to trigger the second system to acquire the index value of the corresponding index. Specifically, if the second system detects an operation on the index acquisition control, the second system loads a page corresponding to the index to be calculated, and sends a request message to the first system. It can be understood that, correspondingly, after the first system obtains the index value of the to-be-calculated index, the second system may output the index value of the to-be-calculated index on the page corresponding to the loaded to-be-calculated index.
S102, the first system searches a target characteristic expression corresponding to the target index identification from a database, the target characteristic expression comprises at least one parameter to be determined, the database comprises corresponding relations between a plurality of index identifications and a plurality of characteristic expressions, one index identification corresponds to one characteristic expression, and the plurality of index identifications comprise the target index identification;
in one embodiment, the first system receives a request message, and parses the object identifier and the target index identifier of the target object from the request message. And pre-configuring the corresponding relation between each index identification and each characteristic expression in the database. Specifically, each feature expression may have at least one parameter to be determined, and each parameter to be determined is also configurable, where a value of each parameter to be determined may be an sql value or a value obtained by processing some data. The characteristic expressions corresponding to the index identifications can be flexibly configured or changed.
Specifically, optionally, the first system searches a target feature expression corresponding to the target index identifier from the database. For example, the target indicator is "capital abundance ratio", and the target indicator identifier corresponding to the "capital abundance ratio" may be: m _ BANK _ XXXXX _01, and acquiring a target characteristic expression corresponding to the target index identifier M _ BANK _ XXXXX _01 from the database through the target index identifier M _ BANK _ XXXXXXX _01, wherein the target characteristic expression can be: { zigbee ngzulv- > zigbee ngzulv/100} (zigbee ngzulv). The parameter to be determined in the target characteristic expression is zigbee lingzulv.
For another example, the target index is "change of loan proportion", and the target index identifier corresponding to the "change of loan proportion" may be: m _ BANK _ XXXXX _02, and acquiring a target characteristic expression corresponding to the target index identifier from the database through the target index identifier M _ BANK _ XXXXX _02, wherein the target characteristic expression can be as follows:
{curProvisionCoverage,lastYearEndProvisionCoverage->if(lastYearEndProvisionCoverage！＝0){(curProvisionCoverage-lastYearEndProvisionCoverage)/lastYearEndProvisionCoverage}}(curProvisionCoverage,lastYearEndProvisionCoverage)
wherein the parameters to be determined in the target characteristic expression are curProvisionCoverag and lastYearEndprovisionCoverage.
S103, the first system acquires target configuration information corresponding to the target index identifier, wherein the target configuration information comprises the definition of the parameter to be determined and the value mode of the parameter to be determined;
in an embodiment, the first system may obtain, from the parameter table, target configuration information corresponding to the target index identifier, where the target configuration information includes a definition of a parameter to be determined in the target feature expression and a value manner of the parameter to be determined, and the value manner of the parameter to be determined may include, but is not limited to, a value precision of the parameter. The parameter table comprises a plurality of index identifications and a plurality of configuration information, and one index identification corresponds to one configuration information.
In some optional embodiments, one index identifier may correspond to a plurality of configuration information, and a specific selected type of configuration information may be determined according to a credit rating model selected by a credit rating person through the second system. For example, when the target object is credit-rated, if the accuracy of the selected credit rating model is high, the accuracy of the value-taking mode of the parameter to be determined defined in the configuration information is correspondingly high, and if the accuracy of the selected credit rating model is low, the accuracy of the value-taking mode of the parameter to be determined defined in the configuration information is correspondingly low, so that the calculation efficiency is improved. By adopting the method, credit rating modes with various accuracies can be flexibly supported.
S104, the first system acquires a parameter value of each parameter to be determined in the at least one parameter to be determined corresponding to the target object according to the target configuration information;
in an embodiment, the first system may obtain the financial instrument data corresponding to the target object, for example, find the financial instrument data corresponding to the target object through the object identifier index of the target object. Further, according to the requirement of the target configuration information, the parameter value corresponding to each parameter to be determined in the target characteristic expression is obtained from the financial report data, for example, according to the value precision of the target configuration information, the parameter value corresponding to each parameter to be determined is obtained.
Continuing to use the target index as "capital abundance" as an example, querying configuration information corresponding to the zigbee zulv in a parameter table of the database. And inquiring the financial report data corresponding to the target object by taking the configuration information as a condition, and acquiring a parameter value corresponding to the zigbee lingzulv from the financial report data.
Continuing to take the target index of "change of loan rate" as an example, the configuration information corresponding to currprovisioncoverag and lastyearendonvprovisioncoverage in the parameter table of the database is queried. And inquiring the financial report data corresponding to the target object by taking the configuration information as a condition, and respectively acquiring parameter values corresponding to curprovisionCoverag and lastYearEndProvisionCoverage from the financial report data.
S105, the first system determines an index value of the index to be calculated based on the target characteristic expression and a parameter value of each parameter to be determined in the at least one parameter to be determined;
in one embodiment, the first system may input the parameter value of each parameter to be determined into the target feature expression, so as to calculate the index value of the index to be calculated. For example, the parameter values of the parameters to be determined and the target characteristic expression are input into a calculation expression engine to perform calculation, so as to obtain the index value of the index to be calculated.
S106, the first system sends the index value of the index to be calculated to the second system.
S107, the second system carries out rating calculation on the index value of the index to be calculated through a credit rating model, and obtains the credit rating of the target object.
In one embodiment, the first system may send the calculated index value to the second system through a response message, and after receiving the response message, the second system may automatically enter the calculated index value in a target input box corresponding to the page. Or after the system finishes loading the calculation page of the index, displaying the calculated index value on the page.
Further, after the credit rating staff may sequentially complete the calculation of the index values of the indexes, when the second system detects a rating obtaining instruction, for example, when the credit rating staff clicks a "rating" virtual button of a page, the second system triggers the rating obtaining instruction, and the second system inputs the calculated index values of the indexes into the credit rating model to perform credit rating, so as to obtain the credit rating of the target object.
In some embodiments, after the credit rating person selects the credit rating model, the second system determines at least one index to be used according to the selected credit rating model, and after obtaining index values of the at least one index from the first system, the index values of the at least one index are input into the credit rating model for rating calculation, so as to obtain the credit rating of the target object.
In the embodiment of the application, the first system is arranged for calculating the index value of the index to be calculated, and the characteristic expressions and the configuration information used for calculating the indexes are separately deployed, when the first system receives a request message sent by a front-end system for requesting to calculate the index value of the index to be calculated, obtaining a target characteristic expression corresponding to the target index identification from a database, obtaining target configuration information corresponding to the target index identification, obtaining the parameter value of each parameter to be determined in the target characteristic expression according to the target configuration information, therefore, the index value of the index to be calculated is determined based on the target characteristic expression and the parameter value of each parameter to be determined, the characteristic expression and the configuration information for calculating the index can be flexibly configured by adopting the method, the change of the characteristic expression and the configuration information is flexibly supported, and the index calculation efficiency can be improved.
Referring to fig. 3, a schematic structural diagram of a data processing system is provided according to an embodiment of the present application. As shown in fig. 3, the data processing system adapted for use with the first system may include: the device comprises a receiving unit 10, a searching unit 11, a first acquiring unit 12, a second acquiring unit 13, a determining unit 14 and a sending unit 15; the data processing system adapted for the second system may include: a receiving unit 20 and a credit rating unit 21, each of which is comprised by a data processing system adapted for use with a first system and a data processing system adapted for use with a second system, respectively, are explained below:
as shown in fig. 3, the data processing system adapted for use with the first system includes:
a receiving unit 10, configured to receive a request message from a second system, where the request message is used to request to acquire an index value of an index to be calculated, where the index is associated with a target object, the request message includes a target index identifier of the index to be calculated and an object identifier of the target object, and the second system is a front-end system of the first system;
a searching unit 11, configured to search a target feature expression corresponding to the target index identifier, where the target feature expression includes at least one parameter to be determined, the database includes a correspondence between multiple index identifiers and multiple feature expressions, one index identifier corresponds to one feature expression, and the multiple index identifiers include the target index identifier;
a first obtaining unit 12, configured to obtain target configuration information corresponding to the target indicator identifier, where the target configuration information includes a definition of the parameter to be determined and a value mode of the parameter to be determined;
a second obtaining unit 13, configured to obtain, according to the target configuration information, a parameter value of each to-be-determined parameter of the at least one to-be-determined parameter corresponding to the target object;
a determining unit 14, configured to determine an index value of the to-be-calculated index based on the target feature expression and a parameter value of each to-be-determined parameter of the at least one to-be-determined parameter;
a sending unit 15, configured to send the index value of the index to be calculated to the second system.
In a possible design, the second obtaining unit 13 is specifically configured to:
acquiring financial and newspaper data corresponding to the target object; and acquiring a parameter value of each parameter to be determined in the at least one parameter to be determined corresponding to the target object from the financial report data according to the target configuration information.
In one possible design, the first obtaining unit 12 is specifically configured to:
target configuration information corresponding to the target index identification is searched from a parameter table, the parameter table comprises a corresponding relation between a plurality of index identifications and a plurality of configuration information, one index identification corresponds to one configuration information, and the plurality of index identifications comprise the target index identification.
In one possible design, the metric to be calculated includes a change in capital abundance or loan-proportion.
As shown in fig. 3, the data processing system adapted to the second system includes:
a receiving unit 20, configured to receive an index value of an index to be calculated from a first system;
and the rating calculation unit 21 is configured to perform rating calculation on the index value of the to-be-calculated index through a credit rating model, and obtain a credit rating of the target object.
In one possible design, the data processing system further includes:
the loading unit is used for loading a credit rating page, the credit rating page comprises a target input box, and the target input box is used for inputting the index value of the index to be calculated, which is associated with the target object;
a sending unit, configured to send the request message to the first system if an operation on the target input box is detected;
and the output unit is used for outputting the index value of the index to be calculated in the target input box.
In one possible design, the data processing system further includes:
the loading unit is used for loading a credit rating page, the credit rating page comprises an index acquisition control, and the index acquisition control is associated with the index to be calculated of the target object;
a sending unit, configured to load a page corresponding to the index to be calculated if operation on the index obtaining control is detected, and send the request message to the first system;
and the output unit is used for outputting the index value of the index to be calculated on the page corresponding to the index to be calculated.
In one possible design, the metric to be calculated includes a change in capital abundance or loan-proportion.
For a specific description of the embodiment of the apparatus shown in fig. 3, reference may be made to the specific description of the embodiment of the method shown in fig. 1 or fig. 2, which is not repeated herein.
Referring to fig. 4, which is a schematic structural diagram of a data processing apparatus according to an embodiment of the present disclosure, as shown in fig. 4, the data processing apparatus 1000 may include: at least one processor 1001, such as a CPU, at least one communication interface 1003, memory 1004, at least one communication bus 1002. Wherein a communication bus 1002 is used to enable connective communication between these components. The communication interface 1003 may optionally include a standard wired interface, a wireless interface (e.g., WI-FI interface). The memory 1004 may be a high-speed RAM memory or a non-volatile memory (e.g., at least one disk memory). The memory 1004 may optionally be at least one storage device located remotely from the processor 1001. As shown in fig. 4, memory 1004, which is a type of computer storage medium, may include an operating system, network communication units, and program instructions.
In the data processing apparatus 1000 shown in fig. 4, the processor 1001 may be configured to load program instructions stored in the memory 1004 and specifically perform the following operations:
receiving a request message from a second system, wherein the request message is used for requesting to acquire an index value of an index to be calculated, which is associated with a target object, the request message comprises a target index identifier of the index to be calculated and an object identifier of the target object, and the second system is a front-end system of the first system;
searching a target characteristic expression corresponding to the target index identification, wherein the target characteristic expression comprises at least one parameter to be determined, the database comprises a corresponding relation between a plurality of index identifications and a plurality of characteristic expressions, one index identification corresponds to one characteristic expression, and the plurality of index identifications comprise the target index identification;
acquiring target configuration information corresponding to the target index identifier, wherein the target configuration information comprises the definition of the parameter to be determined and the value mode of the parameter to be determined;
acquiring a parameter value of each parameter to be determined in the at least one parameter to be determined corresponding to the target object according to the target configuration information;
determining an index value of the index to be calculated based on the target characteristic expression and the parameter value of each parameter to be determined in the at least one parameter to be determined;
and sending the index value of the index to be calculated to the second system.
It should be noted that, for a specific implementation process, reference may be made to specific descriptions of the method embodiment shown in fig. 1 or fig. 2, which is not described herein again.
An embodiment of the present application further provides a computer storage medium, where the computer storage medium may store a plurality of instructions, where the instructions are suitable for being loaded by a processor and executing the method steps in the embodiment shown in fig. 1 or fig. 2, and a specific execution process may refer to specific descriptions of the embodiment shown in fig. 1 or fig. 2, which is not described herein again.
In the above embodiments, the implementation may be wholly or partially realized by software, hardware, firmware, or any combination thereof. When implemented in software, may be implemented in whole or in part in the form of a computer program product. The computer program product includes one or more computer instructions. The procedures or functions described in accordance with the embodiments of the present application occur, in whole or in part, when the computer program instructions are loaded and executed on a computer. The computer may be a general purpose computer, a special purpose computer, a network of computers, or other programmable device. The computer instructions may be stored in a computer readable storage medium or transmitted from one computer readable storage medium to another, for example, the computer instructions may be transmitted from one website, computer, server, or data center to another website, computer, server, or data center by wire (e.g., coaxial cable, fiber optic, digital subscriber line) or wirelessly (e.g., infrared, wireless, microwave, etc.). The computer-readable storage medium can be any available medium that can be accessed by a computer or a data storage device, such as a server, a data center, etc., that includes one or more of the available media. The available media may be magnetic media (e.g., floppy disks, hard disks, tapes), optical media (e.g., DVDs), or semiconductor media (e.g., solid state drives), among others.
One of ordinary skill in the art will appreciate that all or part of the processes in the methods of the above embodiments may be implemented by hardware related to instructions of a computer program, which may be stored in a computer-readable storage medium, and when executed, may include the processes of the above method embodiments. And the aforementioned storage medium includes: various media capable of storing program codes, such as ROM or RAM, magnetic or optical disks, etc.
Claims (10)
1. A data processing method, comprising:
the method comprises the steps that a first system receives a request message from a second system, wherein the request message is used for requesting to acquire an index value of an index to be calculated and is associated with a target object, the request message comprises a target index identifier of the index to be calculated and an object identifier of the target object, and the second system is a front-end system of the first system;
the first system searches a target characteristic expression corresponding to the target index identification from a database, the target characteristic expression comprises at least one parameter to be determined, the database comprises a corresponding relation between a plurality of index identifications and a plurality of characteristic expressions, one index identification corresponds to one characteristic expression, and the plurality of index identifications comprise the target index identification;
the first system acquires target configuration information corresponding to the target index identification, wherein the target configuration information comprises the definition of the parameter to be determined and the value mode of the parameter to be determined;
the first system acquires a parameter value of each parameter to be determined in the at least one parameter to be determined corresponding to the target object according to the target configuration information;
the first system determines an index value of the index to be calculated based on the target characteristic expression and the parameter value of each parameter to be determined in the at least one parameter to be determined;
and the first system sends the index value of the index to be calculated to the second system.
2. The method of claim 1, wherein the method further comprises:
the second system receives the index value of the index to be calculated from the first system;
and the second system carries out rating calculation on the index value of the index to be calculated through a credit rating model to obtain the credit rating of the target object.
3. The method according to claim 1 or 2, wherein the obtaining, by the first system, the parameter value of each to-be-determined parameter of the at least one to-be-determined parameter corresponding to the target object according to the target configuration information includes:
the first system acquires financial and newspaper data corresponding to the target object;
and the first system acquires the parameter value of each parameter to be determined in the at least one parameter to be determined from the financial report data according to the target configuration information.
4. The method of claim 1, wherein the method further comprises:
the second system loads a credit rating page, wherein the credit rating page comprises a target input box, and the target input box is used for inputting an index value of the index to be calculated, which is associated with the target object;
if the second system detects the operation on the target input box, the second system sends the request message to the first system;
after the first system sends the index value of the index to be calculated to the second system, the method further comprises the following steps:
and the second system outputs the index value of the index to be calculated in the target input box.
5. The method of claim 1, wherein the method further comprises:
the second system loads a credit rating page, wherein the credit rating page comprises an index acquisition control, and the index acquisition control is associated with the index to be calculated of the target object;
if the second system detects the operation on the index acquisition control, the second system loads a page corresponding to the index to be calculated and sends the request message to the first system;
after the first system sends the index value of the index to be calculated to the second system, the method further comprises the following steps:
and the second system outputs the index value of the index to be calculated on the page corresponding to the index to be calculated.
6. The method of claim 4 or 5, wherein the first system obtaining target configuration information corresponding to the target metric identifier comprises:
the first system searches target configuration information corresponding to the target index identification from a parameter table, wherein the parameter table comprises a corresponding relation between a plurality of index identifications and a plurality of configuration information, one index identification corresponds to one configuration information, and the plurality of index identifications comprise the target index identification.
7. The method of claim 1, wherein the metric to be calculated comprises a capital abundance ratio or a loan-rate variation.
8. A data processing system, comprising:
a receiving unit, configured to receive a request message from a second system, where the request message is used to request to acquire an index value of an index to be calculated, where the index is associated with a target object, the request message includes a target index identifier of the index to be calculated and an object identifier of the target object, and the second system is a front-end system of the first system;
the searching unit is used for searching a target characteristic expression corresponding to the target index identification, the target characteristic expression comprises at least one parameter to be determined, the database comprises a corresponding relation between a plurality of index identifications and a plurality of characteristic expressions, one index identification corresponds to one characteristic expression, and the plurality of index identifications comprise the target index identification;
a first obtaining unit, configured to obtain target configuration information corresponding to the target indicator identifier, where the target configuration information includes a definition of the parameter to be determined and a value mode of the parameter to be determined;
a second obtaining unit, configured to obtain, according to the target configuration information, a parameter value of each to-be-determined parameter of the at least one to-be-determined parameter corresponding to the target object;
the determining unit is used for determining an index value of the index to be calculated based on the target characteristic expression and the parameter value of each parameter to be determined in the at least one parameter to be determined;
and the sending unit is used for sending the index value of the index to be calculated to the second system.
9. A data processing apparatus comprising a processor, a memory and a communication interface, the processor, the memory and the communication interface being interconnected, wherein the communication interface is configured to receive and transmit data, the memory is configured to store program code, and the processor is configured to invoke the program code to perform a method according to any one of claims 1 to 7.
10. A computer-readable storage medium, characterized in that a computer program is stored in the computer-readable storage medium; the computer program, when run on one or more processors, performs the method of any one of claims 1-7.
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| PCT/CN2021/108384 WO2022267161A1 (en) | 2021-06-22 | 2021-07-26 | Data processing method and system, and storage medium |
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