CN113793204A

CN113793204A - Financial analysis method, device, equipment, storage medium and program product

Info

Publication number: CN113793204A
Application number: CN202111071447.4A
Authority: CN
Inventors: 王鹏; 陈荣立
Original assignee: Industrial and Commercial Bank of China Ltd ICBC
Current assignee: Industrial and Commercial Bank of China Ltd ICBC
Priority date: 2021-09-13
Filing date: 2021-09-13
Publication date: 2021-12-14

Abstract

The invention provides a financial analysis method, a device, equipment, a storage medium and a program product, wherein the financial analysis method comprises the following steps: respectively acquiring business contribution differences of a plurality of institutions; obtaining the ranking of a plurality of institutions according to the business contribution difference; and acquiring the profit and the disadvantage information of each mechanism according to the ranking and the preset index value. In the technical scheme provided by the disclosure, companies, banks and the like are provided with a plurality of mechanisms, the business contribution difference of each mechanism is respectively obtained, the influence of factors such as products and schemes on different mechanisms is visually seen, and the mechanisms are ranked according to the business contribution difference, so that the influence of a manager on each mechanism is more clearly understood, and the manager can adjust the mechanisms in time according to different mechanisms; the financial analysis efficiency is improved, the financial analysis level is improved, the manager is helped to clearly influence the key factors of profit increase, and important decision support is provided for the manager by utilizing big data resources and technologies.

Description

Financial analysis method, device, equipment, storage medium and program product

Technical Field

The present invention relates to the field of big data, and in particular, to a financial analysis method, apparatus, device, storage medium, and program product.

Background

In the management accounting field, various operation analysis data and systems are complex and various, related financial analysis work mostly stays in related stages of manual collection, arrangement, text presentation and the like, and is limited by data volume of clients and products, so that the depth, precision and breadth of related financial analysis are insufficient, and each level of operation managers lack a panoramic financial analysis view.

By comparing the mechanisms, departments and products, the scale structure and the client structure of the product are optimized around the value of products such as deposit, loan, middle income and the like, and the problems that financial analysis capabilities of all the mechanisms are different, financial analysis working standards are not uniform, and efficiency, quality and the like exist in financial analysis for a long time are solved. Meanwhile, reasonable resource allocation is guided by comparing the profitability of the product, the product is inclined to create benefits, the dominant strength is concentrated to ensure the operation strategy to fall on the ground, and the operation level and the operation benefits are improved.

Disclosure of Invention

In view of the above, the present invention provides a financial analysis method, apparatus, device, storage medium, and program product, which aim to solve the problem that financial analysis cannot be performed for the whole world.

According to a first aspect of the present disclosure, there is provided a financial analysis method comprising:

respectively acquiring business contribution differences of a plurality of institutions;

obtaining the ranking of a plurality of institutions according to the business contribution difference;

and acquiring the profit and the disadvantage information of each mechanism according to the ranking and the preset index value.

According to an embodiment of the present disclosure, the business contribution difference includes at least one of a deposit contribution difference, a loan contribution difference, a mid-income contribution difference, and other income differences.

According to an embodiment of the present disclosure, the step of obtaining the ranking of the plurality of institutions according to the business contribution difference comprises:

acquiring the influence degree of each mechanism according to the business contribution difference;

and obtaining the ranking of the plurality of mechanisms according to the influence degree.

According to an embodiment of the present disclosure, the step of obtaining the influence degree of each of the institutions according to the business contribution difference comprises:

obtaining the same-proportion increment of each organization according to the business contribution difference;

dividing the plurality of mechanisms into an increasing group and a decreasing group according to the geometric increments;

the influence of each of the mechanisms in the increase group and the decrease group is obtained separately.

According to an embodiment of the present disclosure, the step of obtaining the influence degree of each of the mechanisms in the increase group and the decrease group respectively comprises:

when the mechanism is in the set of increments, the influence magnitude is a ratio of the ratiometric increments of the mechanism to the total ratiometric increments in the set of increments;

when the mechanism is in the reduction group, the influence magnitude is a ratio of the geometric increment of the mechanism to the total geometric increment in the reduction group.

According to the embodiment of the disclosure, the step of obtaining the profit and the disadvantage information of each organization according to the ranking and the preset index value comprises the following steps:

acquiring a mechanism to be adjusted according to the benefit and disadvantage information;

and adjusting the product in the mechanism to be adjusted.

According to an embodiment of the present disclosure, the business contribution differences include deposit contribution differences, loan contribution differences, intermediate income contribution differences, and other income differences, and the step of adjusting the distribution of the products in the institution to be adjusted includes:

acquiring the client characteristics of the mechanism to be adjusted according to the business contribution difference;

and adjusting the proportion of different products in the mechanism to be adjusted according to the customer characteristics.

A second aspect of the present disclosure provides a financial analysis apparatus comprising:

the acquisition module is used for respectively acquiring business contribution differences of a plurality of institutions;

the processing module is used for obtaining the ranking of the plurality of institutions according to the business contribution difference; and the number of the first and second groups,

and the profit and fraud module is used for acquiring the profit and fraud information of each organization according to the ranking and the preset index value.

According to an embodiment of the present disclosure, the processing module includes:

the influence degree submodule is used for acquiring the influence degree of each mechanism according to the business contribution difference; and the number of the first and second groups,

and the ranking submodule is used for obtaining the ranking of the mechanisms according to the influence degree.

According to an embodiment of the present disclosure, the influence degree sub-module includes:

the difference unit is used for acquiring the same-proportion increment of each organization according to the business contribution difference;

a grouping unit configured to divide the plurality of mechanisms into an increase group and a decrease group according to the geometric increments; and the number of the first and second groups,

and the computing unit is used for respectively acquiring the influence degree of each mechanism in the increasing group and the decreasing group.

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

an increase calculation subunit to determine, when the mechanism is in the increase group, the influence degree as a ratio of the geometric increment of the mechanism to a total geometric increment in the increment group;

a reduction calculation subunit to calculate the influence degree as a ratio of the geometric increment of the mechanism to the total geometric increment in the reduction group when the mechanism is in the reduction group.

According to an embodiment of the present disclosure, the financial analysis device further comprises:

the analysis module is used for acquiring a mechanism to be adjusted according to the benefit and disadvantage information; and the number of the first and second groups,

and the adjusting module is used for adjusting the product in the mechanism to be adjusted.

According to an embodiment of the present disclosure, the adjusting module includes:

the characteristic submodule is used for acquiring the client characteristics of the mechanism to be adjusted according to the business contribution difference; and the number of the first and second groups,

and the proportion submodule is used for adjusting the proportion of different products in the mechanism to be adjusted according to the customer characteristics.

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

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

A fifth aspect of the present disclosure also provides a computer program product comprising a computer program which, when executed by a processor, implements the financial analysis method described above.

Drawings

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

FIG. 1 schematically illustrates an application scenario diagram of a financial analysis method, apparatus, device, storage medium and program product according to embodiments of the disclosure;

FIG. 2 schematically illustrates a flow chart of an embodiment of a financial analysis method according to an embodiment of the present disclosure;

FIG. 3 schematically shows a flowchart of an embodiment of step S20 in FIG. 2;

FIG. 4 schematically shows a flowchart of an embodiment of step S21 in FIG. 3;

FIG. 5 schematically illustrates a flow chart diagram according to another embodiment of a financial analysis method according to an embodiment of the present disclosure;

FIG. 6 schematically illustrates a flowchart of one embodiment of step S50 in FIG. 5;

FIG. 7 is a block diagram schematically illustrating an embodiment of a financial analysis apparatus according to an embodiment of the present disclosure;

FIG. 8 schematically shows a block diagram of a processing module according to an embodiment of the disclosure;

FIG. 9 is a block diagram that schematically illustrates an architecture of an influencer submodule, in accordance with an embodiment of the present disclosure;

FIG. 10 is a block diagram schematically illustrating a computing unit, according to an embodiment of the present disclosure;

FIG. 11 is a block diagram schematically illustrating another embodiment of a financial analysis apparatus according to an embodiment of the present disclosure;

FIG. 12 schematically illustrates a block diagram of an adjustment module according to an embodiment of the disclosure;

FIG. 13 schematically illustrates a block diagram of an electronic device adapted to implement a financial analysis method according to an embodiment of the disclosure

Detailed Description

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

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

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

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

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

The invention provides a financial analysis method, which comprises the following steps:

Fig. 1 schematically shows an application scenario diagram of a financial analysis method and apparatus according to an embodiment of the present disclosure.

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

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

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

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

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

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

The financial analysis method of the disclosed embodiment will be described in detail through fig. 2 to 6 based on the scenario described in fig. 1.

FIG. 2 schematically shows a flow diagram of a financial analysis method according to an embodiment of the present disclosure.

As shown in fig. 2, the financial analysis method of the embodiment includes operations S10 through S230, and the transaction processing method may be performed by the financial analysis device.

Acquiring business contribution differences of a plurality of institutions, respectively, in operation S10;

in operation S20, ranking of a plurality of institutions is obtained according to the business contribution difference;

in operation S30, the profit and disadvantage information of each organization is obtained according to the ranking and the preset index value.

In the technical scheme provided by the disclosure, companies, banks and the like are provided with a plurality of mechanisms, the business contribution difference of each mechanism is respectively obtained, the influence of factors such as products and schemes on different mechanisms is visually seen, and the mechanisms are ranked according to the business contribution difference, so that the influence of a manager on each mechanism is more clearly understood, and the manager can adjust the mechanisms aiming at different mechanisms in time; through business contribution difference, the financial analysis efficiency is improved, the financial analysis level is improved, the manager is helped to clearly influence key factors of profit increase, and important decision support is provided for the manager by utilizing big data resources and technologies.

Further, the business contribution difference includes at least one of a deposit contribution difference, a loan contribution difference, a mid-income contribution difference, and other income differences. The influence of different businesses and products in the organization on the business contribution difference of the organization is intuitively acquired, so that the business products of the organization can be conveniently adjusted.

On the other hand, referring to fig. 3, in the present embodiment, step S20 includes:

s21, acquiring the influence degree of each mechanism according to the business contribution difference;

and S22, obtaining the ranking of a plurality of mechanisms according to the influence degree.

The influence of the business contribution difference of each mechanism on the whole is different, in order to conveniently reform and adjust the mechanisms in a targeted manner, the influence degree of each mechanism is obtained through the business contribution difference of each mechanism, so that the influence of the business and the product on different mechanisms can be found in time, and then adjustment is carried out.

It should be noted that there are various methods for calculating the influence degree, and in this embodiment, referring to fig. 4, step S21 includes:

s211, acquiring the geometric increment of each organization according to the business contribution difference;

s212, dividing a plurality of mechanisms into an increasing group and a decreasing group according to the same-ratio increment;

s213, acquiring the influence degree of each mechanism in the increasing group and the decreasing group respectively.

It should be noted that the peer-to-peer increment may be an annual peer-to-peer increment or a quarterly peer-to-peer increment, depending on the needs of the administrator.

In the embodiment of the disclosure, according to the geometric increment, a plurality of mechanisms are divided into an increase group and a decrease group, and the influence degree of each mechanism in the increase group is respectively calculated; and in the reduction group, the influence degree of each mechanism is convenient for finding the most suitable mechanism and the least suitable mechanism of the business and the product, and then the adjustment is carried out, and the business and the product are not required to be directly off-shelf due to negative business contribution difference.

Further, step S213 includes:

s2131, when the mechanism is in the increment group, influencing the degree to be the ratio of the same-ratio increment of the mechanism to the total same-ratio increment in the increment group;

s2132, when the mechanism is in the reduction group, the influence degree is the ratio of the geometric increment of the mechanism to the total geometric increment in the reduction group.

In addition, in step S30, there may be a plurality of embodiments for the preset index value, in this embodiment, the percentage of the geometric increment of the mechanism to the total geometric increment may be calculated, after the ranking of the mechanisms is obtained, the influence degree of each mechanism may be visually observed, and then, by the percentage, a relatively favorable mechanism, a non-influenced mechanism, and a harmful mechanism are obtained.

On the other hand, referring to fig. 5, in another embodiment provided by the present disclosure, after step S30, the method includes:

s40, acquiring a mechanism to be adjusted according to the benefit and disadvantage information;

and S50, adjusting the product in the mechanism to be adjusted.

After the benefit and disadvantage information of each mechanism is obtained, the mechanism with the disadvantage is obtained according to the benefit and disadvantage information and is used as a mechanism to be adjusted, so that the mechanism is not negatively influenced.

Further, referring to fig. 6, the business contribution differences include deposit contribution differences, loan contribution differences, intermediate income contribution differences and other income differences, and the step S50 includes:

s51, obtaining the client characteristics of the mechanism to be adjusted according to the business contribution difference;

and S52, adjusting the proportion of different products in the mechanism to be adjusted according to the characteristics of the customers.

In the embodiment of the disclosure, the business contribution differences include deposit contribution differences, loan contribution differences, intermediate income contribution differences and other income and expense differences, so as to obtain all revenue contributions in the mechanism to be adjusted, obtain the business most beneficial to the mechanism to be adjusted from the revenue contribution differences, obtain the customer characteristics based on the revenue contribution differences, develop new business products aiming at the customer characteristics, and ensure that resources are inclined to the customer group most beneficial to business development.

Based on the financial analysis method, the invention also provides a financial analysis device, which will be described in detail with reference to fig. 7.

FIG. 7 schematically shows a block diagram of a financial analysis device according to an embodiment of the present disclosure.

As shown in fig. 7, the financial analysis apparatus 100 includes an acquisition module 1, a processing module 2, and a profit-and-fraud module 3; the acquisition module 1 is used for respectively acquiring business contribution differences of a plurality of institutions; the processing module 2 is used for obtaining the ranking of a plurality of organizations according to business contribution difference; the profit-and-fraud module 3 is used for acquiring profit-and-fraud information of each organization according to the ranking and the preset index value.

Further, in the present embodiment, please refer to fig. 8, the processing module 2 includes an influence sub-module 21 and a ranking sub-module 22; the influence degree submodule 22 is used for acquiring the influence degree of each organization according to the business contribution difference; the ranking submodule 23 is configured to obtain rankings of the plurality of organizations according to the influence degree.

Further, referring to fig. 9, the influence sub-module 21 includes a difference unit 211, a grouping unit 212, and a calculating unit 213; the difference unit 211 is used for obtaining the geometric increment of each organization according to the business contribution difference; the grouping unit 212 is used for dividing a plurality of mechanisms into an increasing group and a decreasing group according to the same-ratio increment; the calculating unit 213 is used to obtain the influence of each mechanism in the increasing set and the decreasing set respectively.

Furthermore, referring to fig. 10, the calculating unit 213 includes an increase calculating subunit 2131 and a decrease calculating subunit 2132; the addition calculation subunit 2131 is configured to, when the mechanism is in the addition group, influence the degree to be the ratio of the geometric increment of the mechanism to the total geometric increment in the increment group; the reduction calculation subunit 2132 is configured to, when the mechanism is in the reduction group, determine the degree of influence as a ratio of the geometric increment of the mechanism to the total geometric increment in the reduction group.

In addition, in another embodiment provided by the present disclosure, please refer to fig. 11, the financial analysis apparatus 100 further includes an analysis module 4 and an adjustment module 5; the analysis module 4 is used for acquiring a mechanism to be adjusted according to the benefit and disadvantage information; the adjustment module 5 adjusts the product in the mechanism to be adjusted.

Further, referring to fig. 12, the adjusting module 5 includes a feature sub-module 51 and an occupation sub-module 52; the characteristic submodule 51 is used for acquiring the client characteristics of the mechanism to be adjusted according to the business contribution difference; the proportion submodule 52 is used to adjust the proportion of different products in the mechanism to be adjusted according to the customer characteristics.

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

FIG. 13 schematically illustrates a block diagram of an electronic device adapted for a financial analysis method according to an embodiment of the present disclosure.

As shown in fig. 13, an electronic device 300 according to an embodiment of the present disclosure includes a processor 3001, which can perform various appropriate actions and processes according to a program stored in a Read Only Memory (ROM)3002 or a program loaded from a storage section 3008 into a Random Access Memory (RAM) 3003. The processor 3001 may comprise, for example, a general purpose microprocessor (e.g., a CPU), an instruction set processor and/or associated chipset, and/or a special purpose microprocessor (e.g., an Application Specific Integrated Circuit (ASIC)), among others. The processor 3001 may also include on-board memory for caching purposes. The processor 3001 may include a single processing unit or multiple processing units for performing the different actions of the method flows according to embodiments of the present disclosure.

In the RAM 3003, various programs and data necessary for the operation of the electronic apparatus 300 are stored. The processor 3001, the ROM3002, and the RAM 3003 are connected to each other by a bus 3004. The processor 3001 performs various operations of the method flows according to the embodiments of the present disclosure by executing programs in the ROM3002 and/or the RAM 3003. Note that the program may also be stored in one or more memories other than the ROM3002 and the RAM 3003. The processor 3001 may also perform various operations of the method flows according to embodiments of the present disclosure by executing programs stored in the one or more memories.

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

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

According to embodiments of the present disclosure, the computer-readable storage medium may be a non-volatile computer-readable storage medium, which may include, for example but is not limited to: a portable computer diskette, a hard disk, a Random Access Memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), a portable compact disc read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing. In the present disclosure, a computer readable storage medium may be any tangible medium that can contain, or store a program for use by or in connection with an instruction execution system, apparatus, or device. For example, according to embodiments of the present disclosure, a computer-readable storage medium may include one or more memories other than the ROM3002 and/or the RAM 3003 and/or the ROM3002 and the RAM 3003 described above.

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

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

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

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

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

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

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

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

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

Claims

1. A financial analysis method, comprising:

2. A financial analysis method as claimed in claim 1 wherein said business contribution differences include at least one of deposit contribution differences, loan contribution differences, mid-income contribution differences and other income differences.

3. A financial analysis method as claimed in claim 1 wherein the step of deriving a ranking for a plurality of said institutions based on said business contribution variance comprises:

4. A financial analysis method as claimed in claim 3 wherein the step of deriving the influence level of each said institution based on said business contribution differences comprises:

5. The financial analysis method of claim 4 wherein the step of obtaining the influence of each of the institutions in the increase group and the decrease group, respectively, comprises:

6. A financial analysis method as claimed in claim 1 wherein said step of obtaining information on the pros and cons of each of said institutions according to said ranking and preset index values is followed by the steps of:

and adjusting the product in the mechanism to be adjusted.

7. A financial analysis method as claimed in claim 6 wherein said business contribution differences include deposit contribution differences, loan contribution differences, mid-income contribution differences and other income differences, and the step of adjusting the distribution of products in the institution to be adjusted includes:

8. A financial analysis apparatus, comprising:

9. The financial analysis device of claim 8 wherein the processing module includes:

10. The financial analysis device of claim 9 wherein the influence magnitude sub-module includes:

11. A financial analysis device as claimed in claim 10, in which the calculation unit comprises:

an increase calculation subunit to determine, when the mechanism is in the increase group, the influence degree as a ratio of the geometric increment of the mechanism to a total geometric increment in the increment group; and the number of the first and second groups,

12. The financial analysis device according to claim 8 wherein said financial analysis device further comprises:

13. The financial analysis device of claim 12 wherein the adjustment module includes:

14. An electronic device, comprising:

one or more processors;

a storage device for storing one or more programs,

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

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

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