CN113658007A - Investment and financing matching method and device, electronic equipment and storage medium - Google Patents
Investment and financing matching method and device, electronic equipment and storage medium Download PDFInfo
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Abstract
The embodiment of the invention discloses a investment and financing matching method, a device, electronic equipment and a storage medium, wherein the investment and financing matching method comprises the following steps: acquiring investment and financing requirements issued by a user, and extracting investment and financing project information from the investment and financing requirements; matching investment and financing project information with corresponding investment and financing project information in an investment and financing information base according to a set investment and financing matching strategy and calculating matching degree according to investment and financing requirements issued by a user; the investment and financing project information comprises investment project information and financing project information, which are relative project information; and initiating a project docking task for the investment and financing information matched with the investment and financing requirement according to the calculation result of the matching degree. By the method, the investment and financing requirements can be intelligently matched, the investment and financing information matched with the investment and financing requirements is screened out, and project docking and high-quality project searching are accurately and efficiently realized, so that the manual participation degree is reduced, the labor cost is reduced, the investment and financing matching effect is improved, and the project docking efficiency is improved.
Description
Technical Field
The embodiment of the invention relates to the technical field of financial science and technology, in particular to a investment and financing matching method and device, electronic equipment and a storage medium.
Background
With the continuous active status of the equity investment and financing market in the domestic science and technology field, the demands of the clients on investment and financing are increasingly strong. At present, banks have some relevant solutions and products for enterprise financing business and investment business initiated by individual or enterprise investors.
One method is the most traditional image-text display method, and a customer needs to select a project meeting the requirement of the customer from a plurality of issued investment and financing requirements, but the selection process of the method is time-consuming and labor-consuming, and the user experience is very poor; the other is that a semi-intelligent matching mode of computer simple statistical analysis and manual analysis decision is adopted, but because the amount of enterprise basic data is small and the data dimension is small, whether the enterprise is fusible or projectable is difficult to accurately decide by manual work, and the efficiency is low.
Disclosure of Invention
The invention provides a investment and financing matching method, a device, electronic equipment and a storage medium, which are used for intelligently matching investment and financing, accurately and efficiently realizing project docking and high-quality project searching and improving investment and financing matching and project docking efficiency.
In a first aspect, an embodiment of the present invention provides a investment and financing matching method, where the investment and financing matching method includes:
acquiring investment and financing requirements issued by a user, and extracting investment and financing project information from the investment and financing requirements;
matching the investment and financing project information with the corresponding investment and financing project information in an investment and financing information base according to a set investment and financing matching strategy and calculating the matching degree according to investment and financing requirements issued by a user; the investment and financing project information comprises investment project information and financing project information, and is relative project information;
and initiating a project docking task for the investment and financing information matched with the investment and financing requirement according to the calculation result of the matching degree.
In a second aspect, an embodiment of the present invention further provides a investment and financing matching device, where the investment and financing matching device includes:
the investment and financing demand acquisition module is used for acquiring investment and financing demands issued by users; the investment and financing project information extraction module is used for extracting investment and financing project information from the investment and financing demand;
the matching and calculating module is used for matching the investment and financing project information with the corresponding investment and financing project information in the investment and financing information base according to a set investment and financing matching strategy and calculating the matching degree according to the investment and financing requirements issued by the user; the investment and financing project information comprises investment project information and financing project information, and is relative project information;
and the project docking module is used for initiating a project docking task to the investment and financing information matched with the investment and financing requirement according to the calculation result of the matching degree.
In a third aspect, an embodiment of the present invention further provides an electronic device, where the electronic device includes:
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 financing matching method as described in the first aspect.
In a fourth aspect, the present invention further provides a computer-readable storage medium, on which a computer program is stored, which when executed by a processor implements the investment and financing matching method according to the first aspect.
The embodiment of the invention provides a investment and financing matching method, a device, electronic equipment and a storage medium, wherein the investment and financing matching method comprises the following steps: acquiring investment and financing requirements issued by a user, and extracting investment and financing project information from the investment and financing requirements; matching investment and financing project information with corresponding investment and financing project information in an investment and financing information base according to a set investment and financing matching strategy and calculating matching degree according to investment and financing requirements issued by a user; the investment and financing project information comprises investment project information and financing project information, and is relative project information; and initiating a project docking task for the investment and financing information matched with the investment and financing requirement according to the calculation result of the matching degree. Therefore, the method can realize intelligent matching of investment and financing requirements, screen out investment and financing information matched with the investment and financing requirements, and accurately and efficiently realize project docking and high-quality project searching, thereby reducing the manual participation, reducing the labor cost, improving the matching effect of investment and financing, and improving the project docking efficiency.
Drawings
FIG. 1 is a flow chart of a financing matching method according to one embodiment of the present invention;
FIG. 2 is a flowchart of a financing matching method according to a second embodiment of the present invention;
FIG. 3 is a flowchart of a financing matching method according to a third embodiment of the present invention;
FIG. 4 is a block diagram of a financing matching apparatus according to a fourth embodiment of the present invention;
fig. 5 is a schematic structural diagram of an apparatus in the fifth 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. 1 is a flowchart of an investment and financing matching method provided in an embodiment of the present invention, where the embodiment is applicable to a method for accurately matching investment demands and financing demands initiated by a large number of users in a processing platform of bank finance, the method may be executed by an investment and financing matching device, the device may be implemented by software and/or hardware, and the device may be configured in a server of the processing platform, and specifically includes the following steps:
the investment and financing requirements refer to investment requirements or financing requirements issued by users, and are specifically determined according to actual demand conditions of the users, and are not specifically limited herein. The financing demand issued by the user may include company information, such as enterprise name, payor registration number, affiliated area, contact name telephone, etc., financing item information, such as originator information, historical financing situation, stockholder composition, core technology, company finance, whether it belongs to the strategic emerging industry, financing stage, whether it is the second-time startup, number of invented patents, total company assets, total liabilities, major business income, net profits, etc., financing plan, such as plan financing amount, financing currency, and drawing up the proportion of the equity of the offer, etc. The investment needs issued by the user may include investment preferences such as industry of interest, investment territory, preference round, individual investment amount, investment currency, share proportion preference, asset liability rate, revenue of main business, net profit, etc., investor information such as organization name, area of interest, and contact name phone number, etc. The investment and financing project information refers to information related to a project that the user wants to invest or financing, for example, information such as a project name, project investment/financing plan capital, and project plan year.
Specifically, when a user generates a financing investment demand, the user can be registered or logged in through a service terminal, such as a scientific and technological financial service platform, a financial operation APP and the like, and the financing investment demand is issued through the APP after logging in, wherein the financing investment demand issued by the user can include financing investment projects and project related information. After the user issues the investment and financing requirements, the server side obtains the investment and financing requirements issued by the user, and can determine whether the user has investment requirements or financing requirements. And the information of the investment and financing items can be extracted from the investment and financing requirements issued by the user, so that the investment and financing items can be matched in the following process.
In addition, when the server side obtains the investment and financing requirements issued by the user, the grade of the user can be identified and extracted. For example, whether the user is a senior or VIP user can be identified and extracted, if yes, the user is pushed to a customer manager of a main bank for reception, and if not, the user is pushed to a branch bank where the user is located and received by the customer manager of the branch bank.
the investment and financing information base is a database which is established by the server and used for storing investment and financing project information, for example, the acquired investment and financing requirements issued by users and investment and financing project information and the like can be stored in the investment and financing information base, and the investment and financing project information stored in the investment and financing information base is updated and increased along with the continuous updating and increasing of the number of the users issuing the investment and financing information. Wherein, the investment and financing information base comprises a plurality of investment and financing project information. The investment and financing project information comprises investment project information and financing project information, and the investment project information and the financing project information are relative project information. Therefore, the investment and financing information base contains a plurality of investment project information and financing project information.
Specifically, when a user needs to invest and fund, only the APP and the like are needed to release the investment and fund demand, and the server side conducts investment and fund matching on the investment and fund demand according to the investment and fund demand released by the user, so that high-quality investment and fund items can be screened out for the user. Supposing that a user needs financing as an example, the user only needs to issue financing requirements through a platform, an APP and other service terminals, the service terminals acquire the financing requirements issued by the user, financing item information needed by the user is extracted from the financing requirements, the financing item information is respectively matched with investment item information stored in a financing investment information base according to a set financing investment matching strategy, matching degree is calculated, and finally investment items meeting the matching requirements are selected and pushed to the user; similarly, when the user has investment requirement, the matching principle is similar to that of financing requirement, and is not described herein again.
And step 130, initiating a project docking task for the investment and financing information matched with the investment and financing requirement according to the calculation result of the matching degree.
Preferably, the investment and financing project with the highest matching degree value can be screened out as the best matching project according to the calculated matching degree values. And initiating a project docking task according to the selected matched investment and financing project to prompt related personnel to execute project docking.
In the technical scheme of the embodiment, the working principle of the investment and financing matching method is as follows: when the user needs to invest and fund, the investment and fund demand is issued only through the server. The method comprises the steps that a server side obtains investment and financing requirements issued by a user, and extracts investment and financing project information from the investment and financing requirements; matching investment and financing project information with corresponding investment and financing project information in an investment and financing information base according to a set investment and financing matching strategy and calculating matching degree according to investment and financing requirements issued by a user; the investment and financing project information comprises investment project information and financing project information, and is relative project information; and initiating a project docking task for the investment and financing information matched with the investment and financing requirement according to the calculation result of the matching degree so as to prompt related personnel to execute project docking. Therefore, when a user needs to invest and fund, only the investment and financing demand needs to be issued through the server, the implementation process is simple and convenient, the server can intelligently match the investment and financing demand issued by the user, investment and financing information matched with the investment and financing demand is selected, and project docking and high-quality project searching are accurately and efficiently realized, so that the manual participation degree is reduced, the labor cost is reduced, the matching effect of investment and financing is improved, the project docking efficiency is improved, and the experience feeling of the user is improved.
The technical solution of this embodiment provides a investment and financing matching method, and the investment and financing matching method includes: acquiring investment and financing requirements issued by a user, and extracting investment and financing project information from the investment and financing requirements; matching investment and financing project information with corresponding investment and financing project information in an investment and financing information base according to a set investment and financing matching strategy and calculating matching degree according to investment and financing requirements issued by a user; the investment and financing project information comprises investment project information and financing project information, and is relative project information; and initiating a project docking task for the investment and financing information matched with the investment and financing requirement according to the calculation result of the matching degree. Therefore, the method can realize intelligent matching of investment and financing requirements, screen out investment and financing information matched with the investment and financing requirements, and accurately and efficiently realize project docking and high-quality project searching, thereby reducing the manual participation, reducing the labor cost, improving the matching effect of investment and financing, and improving the project docking efficiency.
On the basis of the technical scheme, optionally, the financing project information at least comprises N financing indexes, and the investment project information at least comprises N investment indexes; n financing indexes correspond to N investment indexes one by one, and N is a natural number more than or equal to 2.
The financing index is used for reflecting basic financing information of the financing project, such as the name of the financing project, the financing field, the planned financing amount, the financing planning year, the financing currency and the like. The investment index is used to reflect basic investment information of an investment project, such as an investment project name, an investment direction, an investment plan amount, an investment plan age, and the like. The N financing indexes and the N investment indexes are arranged in a one-to-one correspondence mode, so that the financing indexes and the investment indexes can be matched correspondingly when the subsequent investment and financing matching is convenient, the investment and financing matching quality is improved, and the optimal investment and financing item is selected for a user.
Example two
Fig. 2 is a flowchart of a financing matching method according to a second embodiment of the present invention. On the basis of the first embodiment, optionally, matching investment and financing item information in the investment and financing demand information with corresponding investment and financing item information in an investment and financing information base according to a set investment and financing matching policy and calculating a matching degree according to investment and financing demand issued by a user, including the following steps:
the investment and financing project information required by the user comprises a plurality of investment and financing indexes, for example, the financing project information required by the user comprises a plurality of financing indexes, and the investment project information required by the user comprises a plurality of investment indexes. Similarly, each investment and financing item information in the investment and financing information base also includes a plurality of investment and financing indexes, for example, each investment item information in the investment and financing information base includes a plurality of investment indexes, and each financing item information in the investment and financing information base includes a plurality of financing indexes. Therefore, each investment and financing index in the investment and financing project information is relative to each investment and financing index: each investment index in the investment project information required by the user corresponds to each investment index in the investment project information in the investment and financing information base one by one, and each financing index in the financing project information required by the user corresponds to each financing index in the financing project information in the investment and financing information base one by one.
And step 230, accumulating the matching degrees of the items to obtain the matching degree of the item information.
The matching degree of each index of the investment and financing project calculated in step 220 is accumulated to obtain the matching degree of the project information.
Specifically, according to the investment requirements of users, during matching, matching each investment index in the investment project information required by the users with each corresponding investment index in the investment project information in the investment and financing information base one by one, respectively calculating the matching degree, and then accumulating the matching degrees of each investment index to obtain the matching degree of the investment project information; similarly, according to the financing requirements of the users, during matching, each financing index in the financing project information required by the users is matched with each financing index in the financing project information in the corresponding investment financing information base item by item, the matching degrees are respectively calculated, and then the matching degrees of each financing index are accumulated to obtain the matching degree of the financing project information. Therefore, by matching each investment and financing index in the investment and financing project information required by the user with each corresponding investment and financing index one by one, the same or similar indexes of the investment and financing project are matched one by one, the matching refinement can be improved, the matching quality is improved, and the better investment and financing project is matched for the user.
And 240, initiating a project docking task for the investment and financing information matched with the investment and financing requirement according to the calculation result of the matching degree.
On the basis of the above technical solution, optionally, the financing index in the investment financing index at least includes: the strategy of the strategy is emerging industry, region, stage, plan financing amount, financing currency, drawing up the proportion of the equity, total assets, total liabilities, business income of the main operation and net profits.
The financing indexes in the investment and financing indexes can also comprise originator information of financing projects, historical financing conditions, stockholder composition, core technologies, company financing and the like, such as whether strategy emerging industry belongs to, financing stage, whether secondary startup exists, number of invented patents, total company assets, total liabilities, major business income, net profits and the like.
Optionally, the investment index in the investment and financing index at least comprises: concern industry, area of investment, round of preference, amount of single investment, currency of investment, proportion of shares preference, rate of assets liability, major business income, and net profits.
The investment index in the investment and financing index can also comprise investor information, such as the name of an investment organization, the area where the investment organization is located, the excellent results of the investor, the mobile phone number of the contact name and the like.
Optionally, matching, item by item, each investment and financing index in the investment and financing item information with respect to each investment and financing index and calculating a matching degree of each item includes:
matching the emerging strategy industries of the financing indexes in the investment and financing indexes with the concerned industries in the investment indexes in the investment and financing indexes, and calculating the matching degree;
matching the investment region in the investment index in the investment and financing index with the region of the financing index in the investment and financing index and calculating the matching degree;
matching preference ranks in investment indexes in the investment and financing indexes with the stages in the financing indexes in the investment and financing indexes, and calculating matching degree;
matching the planned financing amount in the financing index in the investment financing index with the single investment amount in the investment index in the investment financing index and calculating the matching degree;
matching the proposed yield ratio in the financing indexes in the investment and financing indexes with the share proportion preference in the investment indexes in the investment and financing indexes, and calculating the matching degree;
matching the total liability or the total assets in the financing indexes in the investment and financing indexes with the asset liability rate in the investment indexes in the investment and financing indexes and calculating the matching degree;
matching the main operation income in the financing indexes in the investment and financing indexes with the main operation income in the investment indexes in the investment and financing indexes and calculating the matching degree;
and matching the net profit in the financing index in the investment financing index with the net profit in the investment index in the investment financing index and calculating the matching degree.
Illustratively, matching the strategy emerging industry of the financing index in the investment financing index with the concerned industry in the investment index in the investment financing index and calculating the matching degree, which may be: when the concerned industry in the investment indexes in the investment and financing indexes comprises the strategy emerging industry of the financing indexes in the investment and financing indexes, the matching is considered to be successful, and the matching degree is 12.5%. Otherwise, the matching fails, and the matching degree is 0.
Matching the investment region in the investment index in the investment and financing index with the region of the financing index in the investment and financing index and calculating the matching degree, wherein the matching degree can be: when the investment region in the investment index in the investment and financing index comprises the region of the investment index in the investment and financing index, the matching is considered to be successful, and the matching degree is 12.5%. Otherwise, the matching fails, and the matching degree is 0.
Matching the preference rank in the investment index in the investment and financing index with the stage in the financing index in the investment and financing index and calculating the matching degree, wherein the matching degree can be as follows: when the preference rank in the investment index in the investment and financing index contains the stage in the financing index in the investment and financing index, the matching is considered to be successful, and the matching degree is 12.5%. Otherwise, the matching fails, and the matching degree is 0.
Matching the planned financing amount in the financing index in the investment financing index with the single investment amount in the investment index in the investment financing index and calculating the matching degree, wherein the matching degree can be: when the planned financing amount in the financing index in the investment financing index is within the single investment amount interval in the investment index in the investment financing index, the matching is considered to be successful, and the matching degree is 12.5%. Otherwise, the matching fails, and the matching degree is 0.
Matching the proposed yield ratio in the financing index in the investment financing index with the share ratio preference in the investment index in the investment financing index and calculating the matching degree, wherein the matching degree can be: when the proposed yield proportion in the financing indexes in the investment and financing indexes is in the share proportion preference interval in the investment indexes in the investment and financing indexes, the matching is considered to be successful, and the matching degree is 12.5%. Otherwise, the matching fails, and the matching degree is 0.
Matching the total liability or the total assets in the financing index in the investment financing index with the asset liability rate in the investment index in the investment financing index and calculating the matching degree, which can be: and obtaining the rate of the assets and liabilities of the investment and financing demand by using the total liabilities or the total assets in the financing index in the investment and financing index, and when the rate of the assets and liabilities of the investment and financing demand meets the rate of the assets and liabilities in the investment index in the investment and financing index, the matching is considered to be successful, and the matching degree is 12.5%. Otherwise, the matching fails, and the matching degree is 0.
Matching the main operation income in the financing index in the investment financing index with the main operation income in the investment index in the investment financing index and calculating the matching degree, wherein the matching degree can be as follows: when the main operation income in the financing index in the investment and financing index is in the main operation income interval in the investment index in the investment and financing index, the matching is considered to be successful, and the matching degree is 12.5%. Otherwise, the matching fails, and the matching degree is 0.
Matching net profits in the financing indexes in the investment indexes in the investment financing indexes and calculating a matching degree, wherein the matching degree can be: when the net profit in the financing index in the investment financing index is within the net profit range in the investment index in the investment financing index, the matching is considered to be successful, and the matching degree is 12.5%. Otherwise, the matching fails, and the matching degree is 0.
And finally, accumulating the calculated matching degree values of all the investment and financing indexes to obtain a total matching degree value of the investment and financing items. According to the method, the matching degree value of the investment and financing project information in the investment and financing demand information and each piece of investment and financing project information corresponding to the investment and financing information base can be calculated, and then the investment and financing project with the highest matching degree value is screened out to be used as the investment and financing project matched with the investment and financing demand.
It should be noted that, in the above embodiment, as 8 investment and financing indexes are set to match each other item by item and calculate the matching degree, for convenience of calculation, assuming that all eight indexes are successfully matched, the total matching degree reaches 100%, and thus, when a single index is successfully matched, the matching degree is set to be 12.5%. However, the size of each index matching degree is related to the number of indexes of the investment and financing index, the matching degree, and the like, and may be set according to the actual situation, and is not specifically limited herein.
EXAMPLE III
Fig. 3 is a flowchart of a financing matching method according to a third embodiment of the present invention. On the basis of the above embodiment, optionally, according to the investment and financing demand issued by the user, matching the investment and financing item information in the investment and financing demand information with the corresponding investment and financing item information in the investment and financing information base according to a set investment and financing matching policy and calculating the matching degree, including the following steps:
step 310, acquiring investment and financing requirements issued by a user, and extracting investment and financing project information from the investment and financing requirements;
the user characteristics comprise basic information such as the name, contact information, industry and address of the user, and information such as past investment and financing behaviors, the industry, investment tendency, consumption, repayment capacity, deposit amount and online banking grade of the user. The basic information of the user such as name, contact information, industry, address and the like belongs to the structured information and is stable. Past investment and financing behaviors, the industry, investment tendency, consumption, repayment capacity, deposit amount, online bank grade and the like of the user are unstructured information, and the variability is large. Specifically, since the structured information is stable, the information has strong matching degree, and when the investment and financing demand hits the strong matching degree rule, a larger initial weight is given. For example, if the investment and financing demand of the user is regarded as a trade, for example, the required trade is the beauty trade, and the investment and financing project matched with the trade is the investment and financing project of which the user trade is the beauty trade, a larger initial weight is given. The method comprises the steps that a series of unstructured data such as past investment and financing behaviors, industries, investment tendency, consumption, repayment capacity, deposit amount, online banking grade and the like of a user can be dynamically generated according to the data, then the similarity of investment portraits of the user is calculated through a BERT model, and secondary weight scoring data is formed. And finally, obtaining the total weight of the user according to the structured information weight score and the unstructured information weight score of the user, namely obtaining the weight of the user characteristic.
The current market adjustment information includes market information such as national policy and risk regulation and control data. Wherein, the investment and financing project can be scored dynamically according to the national policy. The specific implementation method comprises the following steps: the system sets an alpha factor for dynamically adjusting the scoring of the financing project, for example, if the country comes out of a policy supporting green finance, the factor is greater than 1, and the corresponding project score weight is increased; on the contrary, if the policy is found to divide the financing project into the projects with high energy consumption and high pollution which are contrary to the national policy, the factor is less than 1.0, and a negative feedback is provided for the sorting according to the corresponding algorithm. The specific algorithm with the alpha factor may be set according to actual situations, and is not specifically limited herein. Besides, a mechanism similar to dynamic adjustment can be provided according to the risk assessment condition, and if the client is found to have an abnormal wind control, the item matching degree is automatically reduced. If the user/item is wind-controlled to be recovered, the user score is automatically recovered correspondingly, and the matching degree is recovered correspondingly. And then, the weight of the current market adjustment information can be obtained by weight accumulation according to national policies, project risk regulation and control and the like.
Specifically, the weight of each investment and financing project information is calculated according to the user characteristics and/or the current market adjustment information in the investment and financing demand. And when the user characteristics are supposed to be considered, determining the weight of the investment project information of each project according to the calculated weight of the user characteristics. Assuming that only the current market adjustment information needs to be considered, the weight of each item of investment project information can be determined according to the calculated weight of the current market adjustment information. And if the user characteristics and the current market adjustment information need to be considered simultaneously, the weight of each item of investment and financing item information can be determined by accumulating the weight of the user characteristics and the weight of the current market adjustment information.
And 340, accumulating to obtain the matching degree of the item information according to the matching degree and the corresponding weight of each item.
Specifically, the matching degree of each index of the investment and financing item information calculated in step 320 and the weight of the investment and financing item information calculated in step 330 are accumulated to obtain the matching degree of the item information. According to the method, the matching degree of each item of investment project information is determined respectively. And finally, selecting the item with the highest matching degree from the information of each investment and financing item as the item matched with the investment and financing demand.
And 350, initiating a project docking task for the investment and financing information matched with the investment and financing requirement according to the calculation result of the matching degree.
Optionally, the obtaining of the investment and financing demand issued by the user, and the extracting of the investment and financing project information from the investment and financing demand includes:
and acquiring investment and financing requirements issued by a user, and identifying and extracting investment and financing project information from the description content of the investment and financing requirements according to the matching items of the set investment and financing matching strategy.
The description content of the investment and financing demand can include, for example, the industry focused by the user, investment and financing preference information, and the like. The set matching items of the investment and financing matching strategy refer to investment indexes and financing indexes which are matched according to preset investment and financing indexes. The investment index can be concerned industry, investment area, preference round, single investment amount, investment currency, share proportion preference, asset liability rate, main operation income, net profit and the like, and the financing index can be the strategy emerging industry, the area, the stage, the plan financing amount, financing currency, the proposal of share right proportion, total assets, total liability, main operation income, net profit and the like. Wherein, the investment index corresponds to the financing index one by one.
Specifically, after the user issues the investment and financing demand, the server acquires the investment and financing demand issued by the user, and the investment and financing project information can be identified and extracted according to the matching items of the set financing matching strategy from the investment and financing demand expression issued by the user. For example, suppose that a user issues an investment demand, and the matching items of the set investment matching policy include an industry of interest, an investment district, a preference round, a single investment amount, an investment currency, a share proportion preference, an asset liability rate, a main operation income, and a net profit; assuming that the investment demand content issued by the user comprises information such as investment attention industry, a region where investment is wanted, single investment amount, preference round, basic information of investors, name of investment organization, money type, preference of share proportion, balance proportion, income of main industry and net profit, and the service end identifies and extracts information such as the investment attention industry, the region where investment is wanted, the single investment amount, the preference round, the money type, the share proportion preference, the balance proportion, the income of main industry and the net profit from the acquired user investment and financing information according to a matching item of a set investment matching strategy.
Example four
Fig. 4 is a block diagram of a financing matching apparatus according to a fourth embodiment of the present invention. Referring to fig. 4, the investment and financing matching apparatus 100 includes:
the investment and financing demand acquisition module 10 is used for acquiring investment and financing demands issued by users; the investment and financing project information extraction module is used for extracting investment and financing project information from investment and financing requirements;
the matching and calculating module 20 is used for matching the investment and financing project information with the corresponding investment and financing project information in the investment and financing information base according to a set investment and financing matching strategy and calculating the matching degree according to the investment and financing requirements issued by the user; the investment and financing project information comprises investment project information and financing project information, and is relative project information;
and the project docking module 30 is configured to initiate a project docking task for the investment and financing information matched with the investment and financing demand according to the calculation result of the matching degree.
In the technical solution of this embodiment, by providing a financing investment matching device, the financing investment matching device includes: the investment and financing demand acquisition module is used for acquiring investment and financing demands issued by users and extracting investment and financing project information from the investment and financing demands; the matching and calculating module is used for matching the investment and financing project information with the corresponding investment and financing project information in the investment and financing information base according to a set investment and financing matching strategy and calculating the matching degree according to the investment and financing requirements issued by the user; the investment and financing project information comprises investment project information and financing project information, and is relative project information; and the project docking module is used for initiating a project docking task to the investment and financing information matched with the investment and financing requirement according to the calculation result of the matching degree. Therefore, the method can realize intelligent matching of investment and financing requirements, screen out investment and financing information matched with the investment and financing requirements, and accurately and efficiently realize project docking and high-quality project searching, thereby reducing the manual participation, reducing the labor cost, improving the matching effect of investment and financing, and improving the project docking efficiency.
Optionally, the financing project information at least comprises N financing indexes, and the investment project information at least comprises N investment indexes; n financing indexes correspond to N investment indexes one by one, and N is a natural number more than or equal to 2.
Optionally, the matching and calculating module 20 includes:
the item-by-item matching unit is used for matching the investment and financing indexes in the investment and financing project information with the investment and financing indexes one by one and calculating the matching degree of each item;
and the matching degree accumulation unit is used for accumulating the matching degrees of all items to obtain the matching degree of the item information.
Optionally, the financing index in the investment financing index at least includes: the strategy of the strategy is emerging industry, region, stage, plan financing amount, financing currency, drawing up the proportion of the equity, total assets, total liabilities, business income of the main operation and net profits.
Optionally, the investment index in the investment and financing index at least comprises: concern industry, area of investment, round of preference, amount of single investment, currency of investment, proportion of shares preference, rate of assets liability, major business income, and net profits.
Optionally, the matching and calculating module 20 includes:
the industry matching unit is used for matching the emerging strategy industry of the financing indexes in the investment financing indexes with the concerned industry in the investment indexes in the investment financing indexes and calculating the matching degree;
the affiliated region matching unit is used for matching the investment region in the investment index in the investment and financing index with the affiliated region in the financing index in the investment and financing index and calculating the matching degree;
the stage matching unit is used for matching the preference ranks in the investment indexes in the investment and financing indexes with the stages in the financing indexes in the investment and financing indexes and calculating the matching degree;
the fund matching unit is used for matching the planned financing amount in the financing index in the investment financing index with the single investment amount in the investment index in the investment financing index and calculating the matching degree;
the share proportion matching unit is used for matching the proposed share-giving right proportion in the financing indexes in the investment and financing indexes with the share proportion preference in the investment indexes in the investment and financing indexes and calculating the matching degree;
the system comprises an asset liability rate matching unit, a investment index calculating unit and a financing index calculating unit, wherein the asset liability rate matching unit is used for matching total liability or total asset in the financing index in the investment financing index with the asset liability rate in the investment index in the investment financing index and calculating the matching degree;
the main operation income matching unit is used for matching the main operation income in the financing indexes in the investment and financing indexes with the main operation income in the investment indexes in the investment and financing indexes and calculating the matching degree;
and the net profit matching unit is used for matching the net profit in the financing index in the investment financing index with the net profit in the investment index in the investment financing index and calculating the matching degree.
Optionally, the matching and calculating module 20 includes:
the item-by-item matching unit is used for matching the investment and financing indexes in the investment and financing project information with the investment and financing indexes one by one and calculating the matching degree of each item;
the project weight matching unit is used for determining the weight of each item of investment and financing project information according to the user characteristics and/or the current market adjustment information in the investment and financing requirements;
and the item matching degree accumulation unit is used for accumulating the matching degree of the item information according to the matching degree of each item and the corresponding weight.
Optionally, the investment and financing requirement obtaining module 10 includes:
and the project information identification and extraction unit is used for acquiring the investment and financing requirements issued by the user and identifying and extracting the investment and financing project information from the description content of the investment and financing requirements according to the matching items of the set investment and financing matching strategy.
The investment and financing matching device provided by the embodiment of the invention can execute the investment and financing matching method provided by any embodiment of the invention, and has the corresponding functional modules and beneficial effects of the execution method.
EXAMPLE five
Fig. 5 is a schematic structural diagram of an apparatus provided in the fifth embodiment of the present invention, as shown in fig. 5, the apparatus includes a processor 70, a memory 71, an input device 72, and an output device 73; the number of processors 70 in the device may be one or more, and one processor 70 is taken as an example in fig. 4; the processor 70, the memory 71, the input device 72 and the output device 73 of the apparatus may be connected by a bus or other means, as exemplified by the bus connection in fig. 4.
The memory 71 serves as a computer-readable storage medium for storing software programs, computer-executable programs, and modules, such as program instructions/modules corresponding to the investment and financing matching method in the embodiment of the present invention (for example, the investment and financing requirement acquisition module 10, the matching and calculation module 20, and the project docking module 30 in the investment and financing matching device). The processor 70 executes various functional applications of the device/terminal/server and data processing by running software programs, instructions and modules stored in the memory 71, that is, implements the above-described investment matching method.
The memory 71 may mainly include a storage program area and a storage data area, wherein the storage program area may store an operating system, an application program required for at least one function; the storage data area may store data created according to the use of the terminal, and the like. Further, the memory 71 may include high speed random access memory, and may also include non-volatile memory, such as at least one magnetic disk storage device, flash memory device, or other non-volatile solid state storage device. In some examples, the memory 71 may further include memory located remotely from the processor 70, which may be connected to the device/terminal/server via a network. Examples of such networks include, but are not limited to, the internet, intranets, local area networks, mobile communication networks, and combinations thereof.
The input device 72 may be used to receive entered numeric or character information and to generate key signal inputs relating to user settings and function controls of the apparatus. The output device 73 may include a display device such as a display screen.
EXAMPLE six
An embodiment of the present invention further provides a storage medium containing computer-executable instructions, which when executed by a computer processor, perform a method for financing matching, the method comprising:
acquiring investment and financing requirements issued by a user, and extracting investment and financing project information from the investment and financing requirements;
matching investment and financing project information with corresponding investment and financing project information in an investment and financing information base according to a set investment and financing matching strategy and calculating matching degree according to investment and financing requirements issued by a user; the investment and financing project information comprises investment project information and financing project information, and is relative project information;
and initiating a project docking task for the investment and financing information matched with the investment and financing requirement according to the calculation result of the matching degree.
Of course, the storage medium provided by the embodiment of the present invention contains computer-executable instructions, and the computer-executable instructions are not limited to the operations of the method described above, and may also execute the related operations in the investment and financing matching method provided by any embodiment of the present invention.
From the above description of the embodiments, it is obvious for those skilled in the art that the present invention can be implemented by software and necessary general hardware, and certainly, can also be implemented by hardware, but the former is a better embodiment in many cases. Based on such understanding, the technical solutions of the present invention may be embodied in the form of a software product, which can be stored in a computer-readable storage medium, such as a floppy disk, a Read-Only Memory (ROM), a Random Access Memory (RAM), a FLASH Memory (FLASH), a hard disk or an optical disk of a computer, and includes several instructions for enabling a computer device (which may be a personal computer, a server, or a network device) to execute the methods according to the embodiments of the present invention.
It should be noted that, in the embodiment of the above search apparatus, each included unit and module are merely divided according to functional logic, but are not limited to the above division as long as the corresponding functions can be implemented; in addition, specific names of the functional units are only for convenience of distinguishing from each other, and are not used for limiting the protection scope of the present invention.
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 (11)
1. A method for matching investment and financing, comprising:
acquiring investment and financing requirements issued by a user, and extracting investment and financing project information from the investment and financing requirements;
matching the investment and financing project information with the corresponding investment and financing project information in an investment and financing information base according to a set investment and financing matching strategy and calculating the matching degree according to investment and financing requirements issued by a user; the investment and financing project information comprises investment project information and financing project information, and is relative project information;
and initiating a project docking task for the investment and financing information matched with the investment and financing requirement according to the calculation result of the matching degree.
2. The investment and financing matching method according to claim 1, wherein the financing project information includes at least N financing indexes, the investment project information includes at least N investment indexes; n financing indexes correspond to N investment indexes one by one, and N is a natural number more than or equal to 2.
3. The investment and financing matching method as claimed in claim 1 or 2, wherein the matching of investment and financing item information in investment and financing demand information with the corresponding investment and financing item information in the investment and financing information base according to a set investment and financing matching strategy and the calculation of matching degree according to the investment and financing demand issued by a user comprises:
matching the investment and financing indexes in the investment and financing project information with the investment and financing indexes one by one and calculating the matching degree of each item;
and accumulating the matching degrees of all items to obtain the matching degree of the item information.
4. The investment and financing matching method according to claim 3, wherein the financing indexes in the investment and financing indexes at least include: the strategy of the strategy is emerging industry, region, stage, plan financing amount, financing currency, drawing up the proportion of the equity, total assets, total liabilities, business income of the main operation and net profits.
5. The investment and financing matching method according to claim 3, wherein the investment indexes in the investment and financing indexes at least include: concern industry, area of investment, round of preference, amount of single investment, currency of investment, proportion of shares preference, rate of assets liability, major business income, and net profits.
6. The investment and financing matching method according to claim 3, wherein matching the investment and financing indexes in the investment and financing project information with respect to the investment and financing indexes item by item and calculating the matching degree of each item comprises:
matching the strategy emerging industries of the financing indexes in the investment and financing indexes with the concerned industries in the investment indexes in the investment and financing indexes, and calculating the matching degree;
matching the investment region in the investment index in the investment and financing index with the region of the financing index in the investment and financing index and calculating the matching degree;
matching preference ranks in investment indexes in the investment and financing indexes with the stages in the financing indexes in the investment and financing indexes, and calculating matching degree;
matching the planned financing amount in the financing indexes in the investment financing indexes with the single investment amount in the investment indexes in the investment financing indexes and calculating the matching degree;
matching the proposed yield proportion in the financing indexes in the investment and financing indexes with the share proportion preference in the investment indexes in the investment and financing indexes, and calculating the matching degree;
matching total liability or total assets in the financing indexes in the investment and financing indexes with the asset liability rate in the investment indexes in the investment and financing indexes, and calculating the matching degree;
matching the main operation income in the financing indexes in the investment and financing indexes with the main operation income in the investment indexes in the investment and financing indexes and calculating the matching degree;
and matching the net profit in the financing indexes in the investment and financing indexes and calculating the matching degree.
7. The investment and financing matching method as claimed in claim 1 or 2, wherein the matching of investment and financing item information in investment and financing demand information with the corresponding investment and financing item information in the investment and financing information base according to a set investment and financing matching strategy and the calculation of matching degree according to the investment and financing demand issued by a user comprises:
matching the investment and financing indexes in the investment and financing project information with the investment and financing indexes one by one and calculating the matching degree of each item;
determining the weight of each item of investment and financing project information according to the user characteristics in the investment and financing demand and/or the current market adjustment information;
and accumulating to obtain the matching degree of the item information according to the matching degree and the corresponding weight of each item.
8. The investment and financing matching method as claimed in claim 1, wherein the step of acquiring investment and financing demand issued by a user and extracting investment and financing item information from the investment and financing demand comprises the steps of:
acquiring investment and financing requirements issued by a user, and identifying and extracting investment and financing project information from the description content of the investment and financing requirements according to matching items of a set investment and financing matching strategy.
9. A financing matching apparatus, comprising:
the investment and financing demand acquisition module is used for acquiring investment and financing demands issued by users; the investment and financing project information extraction module is used for extracting investment and financing project information from the investment and financing demand;
the matching and calculating module is used for matching the investment and financing project information with the corresponding investment and financing project information in the investment and financing information base according to a set investment and financing matching strategy and calculating the matching degree according to the investment and financing requirements issued by the user; the investment and financing project information comprises investment project information and financing project information, and is relative project information;
and the project docking module is used for initiating a project docking task to the investment and financing information matched with the investment and financing requirement according to the calculation result of the matching degree.
10. 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 financing matching method as recited in any one of claims 1-8.
11. A computer-readable storage medium, on which a computer program is stored, which, when being executed by a processor, carries out a method of investment matching as claimed in any one of claims 1 to 8.
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