CN113723837A - Bank product management method, device, server and computer storage medium - Google Patents
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Abstract
The application provides a management method, a device, a server and a computer storage medium of bank products, wherein the management method of the bank products comprises the following steps: firstly, acquiring data information of all bank products of a bank; then, dividing data information of all bank products of the bank according to the evaluation field, and constructing to obtain a bank product evaluation index library; then, determining corresponding evaluation index data of each evaluation field in the bank product evaluation index library; and finally, analyzing and evaluating each bank product according to the evaluation index data. Therefore, the aim of accurately managing all bank products is fulfilled.
Description
Technical Field
The present application relates to the field of computer technologies, and in particular, to a method and an apparatus for managing bank products, a server, and a computer storage medium.
Background
With the increase of branch companies and subsidiaries of the current group and the non-uniform design and management modes of bank products, the repeated design and repeated development of the products are easily caused, the insufficient utilization of the group resources is caused, the commercial bank group lacks the integrated view of the product management of the group, and the deep product fusion and marketing between the main company and the subsidiaries cannot be achieved. Meanwhile, different product evaluation standards are inconsistent, a unified and effective evaluation mode is lacked, and the life cycle of the product is accurately identified and managed.
Disclosure of Invention
In view of this, the present application provides a method, an apparatus, a server and a computer storage medium for managing bank products, which can accurately manage all bank products.
The first aspect of the present application provides a method for managing bank products, including:
acquiring data information of all bank products of a bank;
dividing data information of all bank products of the bank according to the evaluation field, and constructing to obtain a bank product evaluation index library;
determining evaluation index data corresponding to each evaluation field in the bank product evaluation index library;
and analyzing and evaluating each bank product according to the evaluation index data.
Optionally, the dividing the data information of all bank products of the bank according to the evaluation field to construct and obtain a bank product evaluation index library, includes:
according to the actual characteristics, the evaluation standards and the preset dimensions of all bank products of the bank, a bank product evaluation index library is constructed; wherein, the bank product evaluation index library at least comprises: deposit product detail information, credit product detail information, and credit card installment detail information.
Optionally, the method for managing bank products further includes:
aiming at each subsidiary company of a group, judging whether a bank product management system of the subsidiary company has a complete product management flow;
if the bank product management system of the subsidiary company has a complete product management process, the subsidiary company completes the online management and release of the products in the domain to which the subsidiary company belongs, and converts and collects the result information of the release of the bank products to the group domain according to the bank product model mapping relation with the group domain;
if the bank product management system of the subsidiary company does not have a complete product management process, judging whether the subsidiary company can reuse the existing bank product management system or not;
if the subsidiary company can reuse the existing bank product management system, establishing a general group product management system in the group domain for the subsidiary company to use, and returning product information finally issued by the product management system to the corresponding subsidiary company domain for use;
if the subsidiary company can not reuse the existing bank product management system, a product management system used by the subsidiary company is established in the subsidiary company domain, and the result information issued by the product is converted and collected to the group domain according to the product model mapping relation with the group domain.
A second aspect of the present application provides a management apparatus for bank products, including:
the acquisition unit is used for acquiring data information of all bank products of a bank;
the construction unit is used for dividing data information of all bank products of the bank according to the evaluation field and constructing to obtain a bank product evaluation index library;
the determining unit is used for determining evaluation index data corresponding to each evaluation field in the bank product evaluation index library;
and the analysis and evaluation unit is used for analyzing and evaluating each bank product according to the evaluation index data.
Optionally, the building unit includes:
the construction subunit is used for constructing and obtaining a bank product evaluation index library according to the actual characteristics, the evaluation standards and the preset dimensions of all bank products of the bank; wherein, the bank product evaluation index library at least comprises: deposit product detail information, credit product detail information, and credit card installment detail information.
Optionally, the management apparatus for bank products further includes:
the system comprises a first judging unit, a second judging unit and a third judging unit, wherein the first judging unit is used for judging whether a bank product management system of each subsidiary company of a group has a complete product management flow or not;
the management issuing unit is used for completing online management and issuing of products in the subcompany domain if the first judging unit judges that the bank product management system of the subcompany has a complete product management process, and converting and collecting result information issued by the bank products to the group domain according to a bank product model mapping relation with the group domain;
a second judging unit, configured to judge whether the subsidiary company can reuse an existing bank product management system if the first judging unit judges that the bank product management system of the subsidiary company has no complete product management process;
a first establishing unit, configured to establish a general group product management system in the group domain for the sub-company to use if the sub-company can reuse an existing bank product management system as determined by the second determining unit, and return product information finally issued by the product management system to a corresponding sub-company domain for use;
and the second establishing unit is used for establishing a product management system used by the subsidiary company in the subsidiary company domain if the subsidiary company can not reuse the existing bank product management system according to the judgment of the second judging unit, and converting and collecting result information issued by the product to the group domain according to the product model mapping relation with the group domain.
A third aspect of the present application provides a server comprising:
one or more processors;
a storage device having one or more programs stored thereon;
the one or more programs, when executed by the one or more processors, cause the one or more processors to implement a method of managing banking products as claimed in any one of the first aspects.
A fourth aspect of the present application provides a computer storage medium having a computer program stored thereon, wherein the computer program, when executed by a processor, implements a method of managing banking products according to any one of the first aspects.
In view of the foregoing, the present application provides a method, an apparatus, a server, and a computer storage medium for managing a bank product, where the method for managing a bank product includes: firstly, acquiring data information of all bank products of a bank; then, dividing data information of all bank products of the bank according to the evaluation field, and constructing to obtain a bank product evaluation index library; then, determining corresponding evaluation index data of each evaluation field in the bank product evaluation index library; and finally, analyzing and evaluating each bank product according to the evaluation index data. Therefore, the aim of accurately managing all bank products is fulfilled.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to the provided drawings without creative efforts.
Fig. 1 is a specific flowchart of a management method for bank products according to an embodiment of the present application;
fig. 2 is a specific flowchart of a management method for bank products according to an embodiment of the present application;
fig. 3 is a specific flowchart of a management method for bank products according to an embodiment of the present application;
fig. 4 is a schematic diagram of a management apparatus for bank products according to an embodiment of the present application;
fig. 5 is a schematic diagram of a server for implementing a management method of a bank product according to an embodiment of the present application.
Detailed Description
The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
It should be noted that the terms "first", "second", and the like, referred to in this application, are only used for distinguishing different devices, modules or units, and are not used for limiting the order or interdependence of functions performed by these devices, modules or units, but the terms "include", or any other variation thereof are intended to cover a non-exclusive inclusion, so that a process, method, article, or apparatus that includes a series of elements includes not only those elements but also other elements that are not explicitly listed, or includes elements inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other identical elements in a process, method, article, or apparatus that comprises the element.
The embodiment of the application provides a management method of bank products, as shown in fig. 1, specifically comprising the following steps:
s101, acquiring data information of all bank products of the bank.
The bank product refers to financial services provided by a bank to a market for meeting certain needs of customers and enabling the customers to obtain certain or possible benefits. The data information of the bank products comes from a product development component, a management accounting component and the like and falls to a local library in a batch counting mode.
And S102, dividing data information of all bank products of the bank according to the evaluation field, and constructing to obtain a bank product evaluation index library.
The evaluation field may be, but is not limited to, deposit, credit, debit card, etc., and is not limited thereto.
In another embodiment of the present application, as shown in table 1, a number may also be assigned to each evaluation area.
TABLE 1
Optionally, in another embodiment of the present application, an implementation manner of step S102 specifically includes:
and constructing and obtaining a bank product evaluation index library according to the actual characteristics, evaluation standards and preset dimensions of all bank products of the bank.
Wherein, bank product evaluation index storehouse includes at least: deposit product detail information, credit product detail information, and credit card installment detail information.
It should be noted that the preset dimension may be, but is not limited to, performance, market and customer, traffic volume, risk, innovation capability, etc., and is not limited herein.
S103, determining corresponding evaluation index data of each evaluation field in the bank product evaluation index library.
Specifically, the access rule of the bank product can be acquired by but not limited to being in butt joint with the business component, and then the corresponding evaluation index data of each evaluation field in the bank product evaluation index library is determined.
In the implementation of the present application, a data warehouse technology (ETL) technology may be used to Extract, convert, and reload data.
If the table is rich in historical data, a zipper algorithm can be adopted but is not limited to the zipper algorithm. The zipper algorithm comprises the following steps:
1) chain exit (a, deleting data after the statistical date; b. re-unchaining the data with the statistics date closed chain).
2) Temporary tables VT _ NEW _ DATA, VT _ CHG _ DATA are created.
3) And performing DATA cleaning, and storing the currently valid DATA into VT _ NEW _ DATA.
4) Finding out NEW records of NEW and changed temporary table VT _ NEW _ DATA and putting the NEW records into the temporary table VT _ CHG _ DATA.
5) And comparing the original table DATA with the VT _ NEW _ DATA, and if the original table DATA is not in the VT _ NEW _ DATA, performing link closing (in the step, performing link closing on the DATA needing to be deleted in the original table).
6) And inserting the updated DATA and the newly added DATA in the temporary table VT _ CHG _ DATA into the target table.
And determining a business rule by a business department, extracting required data specified by the business model from a warehouse, and nesting the business rule through the zipper process to realize the processing of the index data. And finally, loading the processed index result data into a target table of a target database, so that the processed index result data is used by a downstream access layer on one hand, and can also be used for the requirement of data modeling on the other hand.
It should be noted that some data are inventory data of the end statistical time, and the other data are data at the current statistical time, which are both T +1 timeliness.
It should be further noted that the index processing mode is a rule with hierarchy summarization, data is firstly injected into a data base layer through system transmission and manual input, then a detailed layer is generated for summarization, and is summarized from a saleable product layer to a clustered product layer, enters the product layer, and is finally flexibly displayed to a user through a view mode according to actual business requirements.
The base layer is used for accessing the table from the warehouse and storing the table in the exclusive warehouse. The detail layer stores the specific fields such as the customer number for the index of the customer number. The product layer is used for further processing and summarizing the table of the detail layer, for example, summarizing the table after the client number is deduplicated, and further obtaining the specific client numerical value of the product. The access layer is used for providing access to the application users according to specific requirements of the final product.
And S104, analyzing and evaluating each bank product according to the evaluation index data.
Take the modeling process of the exit warning sign of the bank product and the subsequent management operation flow as an example.
The bank product exit warning mark is extracted, processed and predicted by batch data of bank credit card establishing business, and further realizes the function of credit card product exit prediction, and the process is simply summarized as follows:
(1) acquiring basic information, performance, customer groups, markets, management attributes and risk data of the credit card products;
(2) determining a set of product feature classification categories and influence factors of a classification result, and determining a mapping relation between the influence factor set and the classification set;
(3) dividing the obtained data into k parts by k-fold cross validation, wherein one part is a test sample, and k-1 part is a training sample;
(4) carrying out normalization processing and discretization processing on the training sample and the test sample, and determining a corrected influence factor set;
(5) training the training samples, establishing a credit card product exit sign prediction model based on an XGboost classifier by taking ten-fold cross validation as a test mode, and carrying out data classification mining analysis on the prediction samples by using the prediction model to obtain a credit card product exit list.
Since in the design of a group integrated product, the product development is composed of three parts, namely a bank domain, a group domain and a subsidiary company domain, in consideration of the needs of business cohesion, attention classification and isolation influence, as shown in fig. 2. The bank domain and the sub-company domain respectively bear the product management system functions of the bank and the sub-company, the group domain aims at group integration, collects product model data of the bank domain and the sub-company domain, and overall and coordinated product management systems across the bank and the sub-company. Therefore, in another embodiment of the present application, an implementation of the method for managing bank products, as shown in fig. 3, further includes:
s301, aiming at each subsidiary company of the group, judging whether a bank product management system of the subsidiary company has a complete product management flow.
Specifically, if it is determined that the bank product management system of the subsidiary company has a complete product management process, step S302 is executed; if it is determined that the bank product management system of the subsidiary company does not have a complete product management process, step S303 is executed.
S302, the subsidiary company completes online management and release of products in the subsidiary company domain, and converts and collects result information of bank product release to the group domain according to the bank product model mapping relation with the group domain.
S303, judging whether the subsidiary company can reuse the existing bank product management system.
Specifically, if it is determined that the subsidiary company can reuse the existing bank product management system, step S304 is executed; if it is determined that the subsidiary company cannot reuse the existing bank product management system, step S305 is performed.
S304, establishing a general group product management system in the group domain for the use of the subsidiary companies, and returning product information finally issued by the product management system to the corresponding subsidiary company domain for use.
S305, a product management system used by the user is established in the subsidiary company domain, and the result information of product release is converted and collected to the group domain according to the product model mapping relation with the group domain.
In the specific implementation process of the application, the data is presented in the following manner: the system comprises an identity authentication strategy, an access control strategy, a sensitivity line confidentiality strategy, a single sign-on strategy, an audit monitoring strategy, a data security strategy, an infrastructure security strategy and mobile client security.
Wherein, the identity authentication strategy comprises: and calling a client authentication component to realize client identity authentication, calling a UASS (user authentication system) to realize employee identity authentication, and calling an organization employee component to realize unified management of employee identity and authority. The access control policy includes: calls P2 and P10 implement user access control and calls develop framework inter-component access control component interfaces implement inter-component access control. The sensitive information security policy comprises: and calling an encryption component to realize encryption transmission of the sensitive information. The single sign-on policy comprises: and calling a UASS component through P2 to realize single sign-on of the employee. The audit monitoring strategy comprises the following steps: and automatically realizing the log record of important operation according to the security policy. The data security policy comprises: and automatically realizing the log record of important operation according to the security policy. The infrastructure security policies include: deploying the system and invoking the infrastructure security component in compliance with the infrastructure security policy to implement network attack protection. The mobile client security comprises: the client authentication component provides APP shell protection and releases the mobile APP after security detection.
According to the scheme, the application provides a management method of bank products, which comprises the following steps: firstly, acquiring data information of all bank products of a bank; then, dividing data information of all bank products of the bank according to the evaluation field, and constructing to obtain a bank product evaluation index library; then, determining corresponding evaluation index data of each evaluation field in a bank product evaluation index library; finally, each bank product is analyzed and evaluated according to the evaluation index data. Therefore, the aim of accurately managing all bank products is fulfilled.
The embodiment of the application provides a management device for bank products, as shown in fig. 4, specifically including the following steps:
the acquiring unit 401 is configured to acquire data information of all bank products of a bank.
The building unit 402 is configured to divide data information of all bank products of the bank according to the evaluation fields, and build an evaluation index library of the bank products.
Optionally, in another embodiment of the present application, an implementation manner of the building unit 402 includes:
and the construction subunit is used for constructing and obtaining a bank product evaluation index library according to the actual characteristics, the evaluation standards and the preset dimensionality of all bank products of the bank.
Wherein, bank product evaluation index storehouse includes at least: deposit product detail information, credit product detail information, and credit card installment detail information.
For specific working processes of the units disclosed in the above embodiments of the present application, reference may be made to the contents of the corresponding method embodiments, which are not described herein again.
The determining unit 403 is configured to determine evaluation index data corresponding to each evaluation field in the bank product evaluation index library.
And the analysis and evaluation unit 404 is configured to analyze and evaluate each bank product according to the evaluation index data.
For a specific working process of the unit disclosed in the above embodiment of the present application, reference may be made to the content of the corresponding method embodiment, as shown in fig. 1, which is not described herein again.
Optionally, in another embodiment of the present application, an implementation manner of the management apparatus for bank products further includes:
the first judging unit is used for judging whether a bank product management system of each subsidiary company of the group has a complete product management process.
And the management issuing unit is used for completing online management and issuing of the products in the domain to which the sub-company belongs if the first judging unit judges that the bank product management system of the sub-company has a complete product management process, and converting and collecting the result information issued by the bank products to the group domain according to the bank product model mapping relation with the group domain.
And the second judging unit is used for judging whether the subsidiary company can reuse the existing bank product management system or not if the first judging unit judges that the bank product management system of the subsidiary company has no complete product management flow.
And the first establishing unit is used for establishing a universal group product management system in the group domain for the subsidiary company to use if the subsidiary company can reuse the existing bank product management system as judged by the second judging unit, and the product information finally issued by the product management system is returned to the corresponding subsidiary company domain for use.
And the second establishing unit is used for establishing a product management system used by the subsidiary company in the subsidiary company domain if the second judging unit judges that the subsidiary company can not reuse the existing bank product management system, and converting and collecting the result information issued by the product to the group domain according to the product model mapping relation with the group domain.
For a specific working process of the unit disclosed in the above embodiment of the present application, reference may be made to the content of the corresponding method embodiment, as shown in fig. 3, which is not described herein again.
According to the scheme, the application provides a management device of bank products, which comprises the following steps: firstly, an obtaining unit 401 obtains data information of all bank products of a bank; then, the construction unit 402 divides the data information of all bank products of the bank according to the evaluation field, and constructs to obtain a bank product evaluation index library; then, the determining unit 403 determines corresponding evaluation index data of each evaluation field in the bank product evaluation index library; finally, the analysis and evaluation unit 404 analyzes and evaluates each bank product based on the evaluation index data. Therefore, the aim of accurately managing all bank products is fulfilled.
Another embodiment of the present application provides a server, as shown in fig. 5, including:
one or more processors 501.
A storage device 502 on which one or more programs are stored.
The one or more programs, when executed by the one or more processors 501, cause the one or more processors 601 to implement a method of managing banking products as described in any of the above embodiments.
Another embodiment of the present application provides a computer storage medium having a computer program stored thereon, wherein the computer program, when executed by a processor, implements the method for managing bank products as described in any one of the above embodiments.
In the above embodiments disclosed in the present application, it should be understood that the disclosed apparatus and method may be implemented in other ways. The apparatus and method embodiments described above are illustrative only, as the flowcharts and block diagrams in the figures illustrate the architecture, functionality, and operation of possible implementations of apparatus, methods and computer program products according to various embodiments of the present disclosure. In this regard, each block in the flowchart or block diagrams may represent a module, segment, or portion of code, which comprises one or more executable instructions for implementing the specified logical function(s). It should also be noted that, in some alternative implementations, the functions noted in the block may occur out of the order noted in the figures. For example, two blocks shown in succession may, in fact, be executed substantially concurrently, or the blocks may sometimes be executed in the reverse order, depending upon the functionality involved. It will also be noted that each block of the block diagrams and/or flowchart illustration, and combinations of blocks in the block diagrams and/or flowchart illustration, can be implemented by special purpose hardware-based systems which perform the specified functions or acts, or combinations of special purpose hardware and computer instructions.
In addition, functional modules in the embodiments of the present disclosure may be integrated together to form an independent part, or each module may exist separately, or two or more modules may be integrated to form an independent part. The functions, if implemented in the form of software functional modules and sold or used as a stand-alone product, may be stored in a computer readable storage medium. Based on such understanding, the technical solution of the present disclosure may be embodied in the form of a software product, which is stored in a storage medium and includes several instructions for causing a computer device (which may be a personal computer, a live broadcast device, or a network device) to execute all or part of the steps of the method according to the embodiments of the present disclosure. And the aforementioned storage medium includes: various media capable of storing program codes, such as a usb disk, a removable hard disk, a Read-Only Memory (ROM), a Random Access Memory (RAM), a magnetic disk, or an optical disk.
Those skilled in the art can make or use the present application. Various modifications to these embodiments will be readily apparent to those skilled in the art, and the generic principles defined herein may be applied to other embodiments without departing from the spirit or scope of the application. Thus, the present application is not intended to be limited to the embodiments shown herein but is to be accorded the widest scope consistent with the principles and novel features disclosed herein.
Claims (8)
1. A method of managing banking products, comprising:
acquiring data information of all bank products of a bank;
dividing data information of all bank products of the bank according to the evaluation field, and constructing to obtain a bank product evaluation index library;
determining evaluation index data corresponding to each evaluation field in the bank product evaluation index library;
and analyzing and evaluating each bank product according to the evaluation index data.
2. The management method according to claim 1, wherein the dividing of the data information of all bank products of the bank according to the evaluation field to construct a bank product evaluation index library comprises:
according to the actual characteristics, the evaluation standards and the preset dimensions of all bank products of the bank, a bank product evaluation index library is constructed; wherein, the bank product evaluation index library at least comprises: deposit product detail information, credit product detail information, and credit card installment detail information.
3. The management method according to claim 1, further comprising:
aiming at each subsidiary company of a group, judging whether a bank product management system of the subsidiary company has a complete product management flow;
if the bank product management system of the subsidiary company has a complete product management process, the subsidiary company completes the online management and release of the products in the domain to which the subsidiary company belongs, and converts and collects the result information of the release of the bank products to the group domain according to the bank product model mapping relation with the group domain;
if the bank product management system of the subsidiary company does not have a complete product management process, judging whether the subsidiary company can reuse the existing bank product management system or not;
if the subsidiary company can reuse the existing bank product management system, establishing a general group product management system in the group domain for the subsidiary company to use, and returning product information finally issued by the product management system to the corresponding subsidiary company domain for use;
if the subsidiary company can not reuse the existing bank product management system, a product management system used by the subsidiary company is established in the subsidiary company domain, and the result information issued by the product is converted and collected to the group domain according to the product model mapping relation with the group domain.
4. An apparatus for managing bank products, comprising:
the acquisition unit is used for acquiring data information of all bank products of a bank;
the construction unit is used for dividing data information of all bank products of the bank according to the evaluation field and constructing to obtain a bank product evaluation index library;
the determining unit is used for determining evaluation index data corresponding to each evaluation field in the bank product evaluation index library;
and the analysis and evaluation unit is used for analyzing and evaluating each bank product according to the evaluation index data.
5. The management apparatus according to claim 4, wherein the building unit includes:
the construction subunit is used for constructing and obtaining a bank product evaluation index library according to the actual characteristics, the evaluation standards and the preset dimensions of all bank products of the bank; wherein, the bank product evaluation index library at least comprises: deposit product detail information, credit product detail information, and credit card installment detail information.
6. The management apparatus according to claim 4, further comprising:
the system comprises a first judging unit, a second judging unit and a third judging unit, wherein the first judging unit is used for judging whether a bank product management system of each subsidiary company of a group has a complete product management flow or not;
the management issuing unit is used for completing online management and issuing of products in the subcompany domain if the first judging unit judges that the bank product management system of the subcompany has a complete product management process, and converting and collecting result information issued by the bank products to the group domain according to a bank product model mapping relation with the group domain;
a second judging unit, configured to judge whether the subsidiary company can reuse an existing bank product management system if the first judging unit judges that the bank product management system of the subsidiary company has no complete product management process;
a first establishing unit, configured to establish a general group product management system in the group domain for the sub-company to use if the sub-company can reuse an existing bank product management system as determined by the second determining unit, and return product information finally issued by the product management system to a corresponding sub-company domain for use;
and the second establishing unit is used for establishing a product management system used by the subsidiary company in the subsidiary company domain if the subsidiary company can not reuse the existing bank product management system according to the judgment of the second judging unit, and converting and collecting result information issued by the product to the group domain according to the product model mapping relation with the group domain.
7. A server, comprising:
one or more processors;
a storage device having one or more programs stored thereon;
the one or more programs, when executed by the one or more processors, cause the one or more processors to implement a method of managing banking products as claimed in any one of claims 1 to 3.
8. A computer storage medium, on which a computer program is stored, wherein the computer program, when executed by a processor, implements a method of managing banking products according to any one of claims 1 to 3.
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