CN114782150A - Financial product recommendation method and system based on financial product directional screening - Google Patents

Financial product recommendation method and system based on financial product directional screening Download PDF

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CN114782150A
CN114782150A CN202210700672.8A CN202210700672A CN114782150A CN 114782150 A CN114782150 A CN 114782150A CN 202210700672 A CN202210700672 A CN 202210700672A CN 114782150 A CN114782150 A CN 114782150A
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崔宗泽
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Beijing Dreamland Technology Co ltd
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Abstract

The invention provides a financial product recommendation method and system based on financial product directional screening. The financial product recommendation method comprises the following steps: according to the investment types, the investment cost intervals and the risk profitability of the existing financial products and the newly added financial products in the financial product database, performing product classification on the existing financial products and the newly added financial products, and acquiring corresponding financial product types; scanning user basic information and investment information data of a newly registered user and an invested user in real time, and analyzing a product demand characteristic value of the user according to the user basic information and the investment information data obtained by scanning; and screening out the financial products meeting the product requirements of the user from the financial product database by combining the types of the financial products and the product requirement characteristic value of the user, and recommending the obtained financial products meeting the product requirements of the user to the user. The system comprises modules corresponding to the method steps.

Description

Financial product recommendation method and system based on financial product directional screening
Technical Field
The invention provides a financial product recommendation method and system based on financial product directional screening, and belongs to the technical field of financial internet services.
Background
At present, with the rapid development of information technology and direct-selling banks, the kinds and amounts of various financial products (such as funds, bonds, deposits, etc.) are rapidly increasing. However, because the quality and credit evaluation of different financial products are different, a user needs to spend a lot of time to find interested products in a large number of financial products, which has certain challenge on the selection capability of financial product purchasers.
Disclosure of Invention
The invention provides a financial product recommendation method and system based on financial product directional screening, which are used for solving the problem that the accuracy of product screening and positioning of the conventional financial product service platform is low, so that the investment requirement matching degree of a financial product recommended for a user and the user is low, and adopt the following technical scheme:
a financial product recommendation method based on financial product directional screening comprises the following steps:
according to the investment types, the investment cost intervals and the risk profitability of the existing financial products and the newly added financial products in the financial product database, performing product classification on the existing financial products and the newly added financial products, and acquiring corresponding financial product types;
scanning the user basic information and investment information data of a newly registered user and an invested user in real time, and analyzing the product demand characteristic value of the user according to the user basic information and the investment information data obtained by scanning;
and screening out the financial products meeting the product requirements of the user from the financial product database by combining the types of the financial products and the product requirement characteristic value of the user, and recommending the obtained financial products meeting the product requirements of the user to the user.
Further, according to the investment types, the investment cost intervals and the risk profitability of the existing financial products and the newly added financial products in the financial product database, the existing financial products and the newly added financial products are subjected to product classification, and corresponding financial product types are obtained, wherein the method comprises the following steps:
classifying the existing financial products in a financial product database according to the investment types, investment cost intervals and risk profitability of the existing financial products in the financial product database to obtain a plurality of financial product types;
when a newly added financial product is imported into the financial product database, extracting product information of the newly added financial product, wherein the product information comprises an investment type, an investment cost interval, a risk yield and the like;
determining the type of the financial product to which the newly added financial product belongs according to the investment type, the investment cost interval and the risk yield of the newly added financial product;
and classifying the newly added financial products into the financial product types corresponding to the newly added financial products according to the determined financial product types to which the newly added financial products belong.
Further, according to the investment types, investment cost intervals and risk profitability of existing financial products in a financial product database, classifying the existing financial products in the financial product database to obtain a plurality of financial product types, including:
according to the investment types of financial products, carrying out large-class classification processing on the financial products to obtain a large-class set of financial product investment; the investment types of the financial products comprise bank type investment, security type investment, insurance type investment, property type investment, project investment and financing type investment and the like.
According to the investment cost of each specific financial product in each financial product investment major set, carrying out cost subclass classification according to a preset investment cost interval, and obtaining a plurality of financial product subclasses which are calibrated by using the investment cost interval range in each financial product investment major set;
and obtaining the risk income rate of each financial product in each financial product sub-class according to the information data of each financial product in each financial product sub-class, dividing the financial products in each financial product sub-class into a low risk type, a medium high risk type and a high risk type according to preset low risk, medium high risk and high risk income rate numerical value intervals, and obtaining a low risk financial product type set, a medium high risk financial product type set and a high risk financial product type set in each financial product sub-class.
Further, scanning the user basic information and investment information data of the newly registered user and the invested user in real time, and analyzing the product demand characteristic value of the user according to the user basic information and the investment information data obtained by scanning, wherein the method comprises the following steps:
extracting user basic information of a new registered user from user information filled in the registration process of the new registered user, wherein the user basic information comprises the investment type of the financial product which is selected in advance and is intended to be invested, an available investment capital numerical range and an affordable risk rate of return range;
calculating and acquiring a product demand characteristic value corresponding to each new registered user by combining and utilizing a first characteristic value model according to the data information of the available investment capital numerical range and the bearable risk and earning rate range in the user basic information of the new registered user; wherein the first eigenvalue model is as follows:
Figure 681164DEST_PATH_IMAGE001
wherein, the first and the second end of the pipe are connected with each other,W max a maximum investment capital number corresponding value within a range of available investment capital values representing the new registered user;W min a corresponding value representing a minimum number of investment capital within a range of available investment capital values for the new registered user;W f representing a lowest expected amount of risk revenue entered upon registration of the newly registered user;Q max representing a highest risk profitability corresponding numerical value in the bearable risk profitability range of the new registered user;Q min representing a lowest risk profitability corresponding numerical value within the bearable risk profitability range of the new registered user;Q 0indicating a preselected intended investmentAn average of the risk-to-return rates of all financial products in the investment type;nrepresenting a total number of products for all financial products in the pre-selected investment type intended for investment;λ i within all financial products in the investment type representing the preselected intended investmentiRisk value coefficient of individual financial product;ω i within all financial products in the investment type representing the preselected intended investmentiRisk-free rate of return for individual financial product;K 1、K 2andK 3respectively representing a first index parameter, a second index parameter, and a third index parameter, and,K 1、K 2andK 3the values are respectively: 1.07, 1.13, and 0.8;
acquiring investment key information from the invested financial product information of the invested user, wherein the investment key information comprises an investment type, an investment capital value and a risk rate of return corresponding to the financial product which is continuously invested, and an investment type, an investment capital value and a risk rate of return corresponding to the financial product which has given up investment;
calculating and acquiring a product demand characteristic value corresponding to each invested user by combining and utilizing a second characteristic value model according to investment key information of the invested users; wherein the second eigenvalue model is as follows:
Figure 739250DEST_PATH_IMAGE002
wherein the content of the first and second substances,R max a corresponding value representing a maximum number of investment capital in a continuing investment product of the invested user;R min a corresponding value representing a minimum number of investment capital in a continuing investment product of the invested user;W fM representing a highest risk benefit amount in the continuing investment product of the invested user; (ii) aQ ymax Representing a highest risk profitability correspondence value in the continuing investment product of the invested user;Q ymin representing the persistent investment of said invested userThe lowest risk yield in the product corresponds to a numerical value;Q y0means for representing an average of the risk-return rates of all financial products in the invested user's continuing investment products;ma product total representing all financial products in the invested user's continuing investment products;λ j of the continuing investment products representing said invested usersjRisk value coefficient of individual financial product;ω i of the continuing investment products representing said invested usersjRisk-free rate of return for individual financial product;M 1、M 2andM 3respectively representing a primary index parameter, a secondary index parameter and a tertiary index parameter, and,M 1、M 2andM 3the values are respectively: 1.12, 1.15 and 0.9;
further, screening out financial products meeting the product requirements of the user from the financial product database by combining the types of the financial products and the product requirement characteristic values of the user, and recommending the obtained financial products meeting the product requirements of the user to the user, wherein the method comprises the following steps:
screening out financial products meeting the product requirements of the newly registered user from the financial product database;
screening financial products meeting the product requirements of the invested user in the financial product database;
wherein screening out financial products meeting the product requirements of the newly registered user in the financial product database comprises:
extracting financial products conforming to the available investment capital numerical range among the financial product subclasses as candidate financial products according to the available investment capital numerical range of the new registered user among the investment types of the financial products intended to invest which are selected in advance by the new registered user;
extracting the risk rate of return of each candidate financial product from the candidate financial products, and acquiring a product characteristic value of each candidate financial product by using the risk rate of return and investment cost corresponding to the candidate financial product; wherein the product characteristic value is obtained by the following formula:
Figure 361730DEST_PATH_IMAGE003
wherein, the first and the second end of the pipe are connected with each other,W kmax a corresponding value representing the maximum investment cost number within the investment capital range of the financial product;W kmin a corresponding value representing a minimum investment capital number within the estimated investment capital range of the financial product;W kf representing a lowest expected amount of risk revenue entered upon registration of the newly registered user;Q kmax representing a highest risk profitability correspondence value for the financial product;Q kmin representing a lowest risk profitability correspondence value for the financial product;λrepresenting a risk value coefficient of the financial product;ωrepresenting a risk-free rate of return for the financial product;K 1、K 2andK 3respectively, a first index parameter, a second index parameter, and a third index parameter, and,K 1、K 2andK 3the values are respectively: 1.07, 1.13, and 0.8;
selecting candidate financial products of which the product characteristic values fall within a product demand characteristic value range corresponding to the new registered user, and recommending the candidate financial products of which the product characteristic values fall within the product demand characteristic value range corresponding to the new registered user as the financial products meeting the product demand of the user;
wherein screening out financial products meeting the product requirements of the invested user in the financial product database comprises:
extracting investment types corresponding to the financial products of continuous investment and newly added investment of the invested user, and acquiring the financial products which are consistent with the numerical range of the investment capital of the financial products of the continuous investment and the newly added investment from the investment types as the financial products of the newly added investment candidate;
extracting the risk rate of return of each candidate financial product from the newly-added investment candidate financial products, and acquiring the product characteristic value of each newly-added investment candidate financial product by using the risk rate of return corresponding to the newly-added investment candidate financial product and the investment cost corresponding to the newly-added investment candidate financial product; wherein the product characteristic value of the newly added investment candidate financial product is obtained by the following formula:
Figure 225781DEST_PATH_IMAGE004
wherein, the first and the second end of the pipe are connected with each other,W kmax a corresponding value representing the maximum investment cost number within the investment capital range of the financial product;W kmin a corresponding value representing a minimum investment capital number within the estimated investment capital range of the financial product;W kf representing a lowest expected amount of risk revenue entered upon registration of the newly registered user;Q kmax representing a highest risk profitability correspondence value for the financial product;Q kmin representing a lowest risk profitability correspondence value for the financial product;λrepresenting a risk value coefficient of the financial product;ωrepresenting a risk-free rate of return for the financial product;M 1、M 2andM 3respectively representing a primary index parameter, a secondary index parameter and a tertiary index parameter, and,M 1、M 2andM 3the values are respectively: 1.12, 1.15 and 0.9;
and selecting a newly added investment candidate financial product of which the product characteristic value falls in the product demand characteristic value corresponding to the invested user, and recommending the newly added investment candidate financial product of which the product characteristic value falls in the product demand characteristic value corresponding to the invested user as a financial product meeting the product demand of the user to the invested user.
A financial product recommendation system based on directional screening of financial products, the financial product recommendation system comprising:
the classification module is used for classifying the existing financial products and the newly added financial products according to the investment types, the investment cost intervals and the risk profitability of the existing financial products and the newly added financial products in the financial product database and acquiring the corresponding financial product types;
the system comprises a characteristic value acquisition module, a characteristic value analysis module and a characteristic value analysis module, wherein the characteristic value acquisition module is used for scanning the user basic information and investment information data of a newly registered user and an invested user in real time and analyzing the product demand characteristic value of the user according to the user basic information and investment information data obtained by scanning;
and the screening recommendation module is used for screening the financial products meeting the product requirements of the user in the financial product database by combining the types of the financial products and the product requirement characteristic values of the user, and recommending the obtained financial products meeting the product requirements of the user to the user.
Further, the classification module includes:
the type acquisition module is used for classifying the financial products in the financial product database according to the investment types, the investment cost intervals and the risk profitability of the financial products in the financial product database to acquire a plurality of financial product types;
the extraction module is used for extracting product information of a newly-added financial product when the newly-added financial product is introduced into the financial product database, wherein the product information comprises an investment type, an investment cost interval, a risk yield and the like;
the type determining module is used for determining the type of the financial product to which the newly added financial product belongs according to the investment type, the investment cost interval and the risk yield of the newly added financial product;
and the product classifying module is used for classifying the newly added financial products into the financial product types corresponding to the newly added financial products according to the determined financial product types to which the newly added financial products belong.
Further, the type obtaining module comprises:
the system comprises a set acquisition module, a classification module and a classification module, wherein the set acquisition module is used for classifying financial products into large categories according to the investment types of the financial products to acquire a financial product investment large-category set; the investment types of the financial products comprise bank type investment, security type investment, insurance type investment, property type investment, project investment and financing type investment and the like.
The subclass obtaining module is used for carrying out cost subclass classification according to a preset investment cost interval in each financial product investment major set according to the investment cost of each specific financial product, and obtaining a plurality of financial product subclasses which are calibrated by the investment cost interval range in each financial product investment major set;
the risk division module is used for acquiring the risk income rate of each financial product in each financial product sub-class according to the information data of each financial product in each financial product sub-class, dividing the financial products in each financial product sub-class into a low risk type, a medium and high risk type and a high risk type according to preset low risk, medium and low risk and high risk income rate numerical intervals, and acquiring a low risk financial product type set, a medium and high risk financial product type set and a high risk financial product type set in each financial product sub-class.
Further, the eigenvalue acquisition module comprises:
the basic information extraction module is used for extracting the user basic information of a new registered user from the user information filled in the registration process of the new registered user, wherein the user basic information comprises the investment type of the financial product which is selected in advance and is intended to be invested, an available investment capital numerical range and an affordable risk-earning rate range;
the first characteristic value acquisition module is used for calculating and acquiring a product demand characteristic value corresponding to each new registered user by combining and utilizing a first characteristic value model according to the data information of the available investment capital numerical range and the bearable risk profitability range in the user basic information of the new registered user; wherein the first eigenvalue model is as follows:
Figure 712257DEST_PATH_IMAGE005
wherein, the first and the second end of the pipe are connected with each other,W max a corresponding value representing a maximum number of investment capital within a range of available investment capital values for the new registered user;W min a corresponding value representing a minimum number of investment capital within a range of available investment capital values for the new registered user;W f representing a lowest expected amount of risk revenue entered upon registration of the newly registered user;Q max representing the highest risk yield corresponding value in the bearable risk yield range of the new registered user;Q min representing a lowest risk profitability corresponding numerical value within the bearable risk profitability range of the new registered user;Q 0means for representing an average of the risk-to-return rates of all financial products in the pre-selected investment-type intended for investment;nrepresenting a total number of products for all financial products in the pre-selected investment type intended for investment;λ i within all financial products in the investment type representing the preselected intended investmentiRisk value coefficient of individual financial product;ω i within all financial products in the investment type representing the preselected intended investmentiRisk-free rate of return for individual financial product;K 1、K 2andK 3respectively, a first index parameter, a second index parameter, and a third index parameter, and,K 1、K 2andK 3the values are respectively: 1.07, 1.13, and 0.8;
the key information acquisition module is used for acquiring investment key information from the information of the financial products which have been invested by the invested users, wherein the investment key information comprises investment types, investment capital values and risk profitability corresponding to the financial products which have been invested continuously, and investment types, investment capital values and risk profitability corresponding to the financial products which have given up investment;
the second characteristic value acquisition module is used for calculating and acquiring a product demand characteristic value corresponding to each invested user by combining and utilizing a second characteristic value model according to investment key information of the invested users; wherein the second eigenvalue model is as follows:
Figure 645971DEST_PATH_IMAGE006
wherein the content of the first and second substances,R max a corresponding value representing a maximum number of investment capital in a continuing investment product of the invested user;R min a corresponding numerical value representing a minimum number of investment capital in a continuing investment product of the invested user;W fM representing a highest risk revenue amount in the continuing investment product of the invested user; (ii) aQ ymax Representing a highest risk profitability correspondence value in the continuing investment product of the invested user;Q ymin representing a minimum risk profitability correspondence value in the continuing investment product of the invested user;Q y0means for representing an average of the risk-return rates of all financial products in the invested user's continuing investment products;ma product total representing all financial products in the invested user's continuing investment products;λ j of the continuing investment products representing said invested users, the firstjA risk value coefficient for each financial product;ω i of the continuing investment products representing said invested users, the firstjRisk-free rate of return for individual financial product;M 1、M 2andM 3respectively representing a primary index parameter, a secondary index parameter and a tertiary index parameter, and,M 1、M 2andM 3the values are respectively: 1.12, 1.15 and 0.9;
further, the filtering recommendation module comprises:
the first screening module is used for screening out financial products meeting the product requirements of the new registered user in the financial product database;
a second screening module for screening out financial products meeting the product requirements of the invested user in the financial product database;
wherein, the first screening module includes:
a first candidate product acquisition module for extracting, among the investment types of the financial products intended to invest previously selected by the new registered user, financial products conforming to the available investment capital numerical range among the financial product subclasses as candidate financial products, based on the available investment capital numerical range of the new registered user;
a first product characteristic obtaining module, configured to extract a risk-return rate of each candidate financial product from the candidate financial products, and obtain a product characteristic value of each candidate financial product by using the risk-return rate and investment costs corresponding to the candidate financial products; wherein the product characteristic value is obtained by the following formula:
Figure 178584DEST_PATH_IMAGE007
wherein the content of the first and second substances,W kmax the corresponding numerical value of the maximum investment cost number in the investment cost range of the financial product is represented;W kmin a corresponding value representing a minimum investment capital number within the estimated investment capital range of the financial product;W kf representing a lowest expected amount of risk revenue entered upon registration of the newly registered user;Q kmax representing a highest risk profitability correspondence value for the financial product;Q kmin representing a lowest risk profitability correspondence value for the financial product;λa risk value coefficient representing a financial product;ωrepresenting a risk-free rate of return for the financial product;K 1、K 2andK 3respectively representing a first index parameter, a second index parameter, and a third index parameter, and,K 1、K 2andK 3the values are respectively: 1.07, 1.13, and 0.8;
the first recommending module is used for selecting the candidate financial products of which the product characteristic values fall within the product demand characteristic value range corresponding to the new registered user, and recommending the candidate financial products of which the product characteristic values fall within the product demand characteristic value range corresponding to the new registered user as the financial products meeting the product demand of the user;
wherein the second screening module comprises:
a second candidate product obtaining module, configured to extract investment types corresponding to financial products of continuous investment and newly added investment of the invested user, and obtain financial products that match the numerical range of investment capital of the financial products of continuous investment and newly added investment from the investment types as candidate financial products of newly added investment;
the second product characteristic acquisition module is used for extracting the risk income rate of each candidate financial product from the newly-added investment candidate financial products and acquiring the product characteristic value of each newly-added investment candidate financial product by using the risk income rate corresponding to the newly-added investment candidate financial product and the investment cost corresponding to the newly-added investment candidate financial product; wherein the product characteristic value of the newly added investment candidate financial product is obtained by the following formula:
Figure 580746DEST_PATH_IMAGE008
wherein the content of the first and second substances,W kmax a corresponding value representing the maximum investment cost number within the investment capital range of the financial product;W kmin a corresponding value representing a minimum investment capital number within the estimated investment capital range of the financial product;W kf representing a lowest expected risk benefit amount entered upon registration of the newly registered user;Q kmax representing a highest risk profitability correspondence value for the financial product;Q kmin representing a lowest risk profitability correspondence value for the financial product;λa risk value coefficient representing a financial product;ωrepresenting a risk-free rate of return for the financial product;M 1、M 2andM 3respectively representing the first level index parameter, the second level index parameter and the third level index parameter, andand the number of the first and second groups is,M 1、M 2andM 3the values are respectively: 1.12, 1.15 and 0.9;
and the second recommending module is used for selecting the newly added investment candidate financial products of which the product characteristic values fall into the product demand characteristic values corresponding to the invested users, and recommending the newly added investment candidate financial products of which the product characteristic values fall into the product demand characteristic values corresponding to the invested users as financial products meeting the product demands of the users.
The invention has the beneficial effects that:
the financial product recommendation method and system based on financial product directional screening can effectively improve the accuracy of screening financial products and the accuracy of positioning the financial products based on user requirements, and further effectively improve the matching degree of the financial products recommended for the user and the investment requirements of the user. The financial product recommendation method and system based on financial product oriented screening provided by the invention can acquire the characteristic value data capable of representing the investment intention of a user through the product demand characteristic value, then acquire the characteristic value data capable of accurately representing the characteristics of a financial product by utilizing the product information data, and acquire the financial product meeting the investment intention of the user through the comparison between the characteristic value data of the investment intention of the user and the characteristic value data of the characteristics of the financial product, thereby improving the effectiveness of the financial product recommendation to the maximum extent, further improving the selection rate of the user on the financial product, effectively improving the effectiveness of the financial product recommendation, and preventing the problem that the user service experience is reduced due to excessive invalid financial product recommendations which do not meet the requirements of the client.
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FIG. 1 is a first flow chart of the method of the present invention;
FIG. 2 is a second flow chart of the method of the present invention;
fig. 3 is a system block diagram of the system of the present invention.
Detailed Description
The preferred embodiments of the present invention will be described in conjunction with the accompanying drawings, and it will be understood that they are described herein for the purpose of illustration and explanation and not limitation.
The invention relates to a financial product recommendation method based on financial product directional screening, which comprises the following steps of:
s1, classifying the existing financial products and the newly added financial products according to the investment types, the investment cost intervals and the risk profitability of the existing financial products and the newly added financial products in the financial product database, and acquiring the corresponding financial product types;
s2, scanning the user basic information and investment information data of the new registered user and the invested user in real time, and analyzing the product demand characteristic value of the user according to the scanned user basic information and investment information data;
s3, combining the financial product types and the product demand characteristic values of the users, screening out the financial products meeting the product demands of the users in the financial product database, and recommending the obtained financial products meeting the product demands of the users to the users.
The working principle of the technical scheme is as follows: firstly, classifying the existing financial products and the newly added financial products according to the investment types, the investment cost intervals and the risk profitability of the existing financial products and the newly added financial products in a financial product database, and acquiring the corresponding financial product types; then, scanning the user basic information and investment information data of the newly registered user and the invested user in real time, and analyzing the product demand characteristic value of the user according to the user basic information and the investment information data obtained by scanning; and finally, combining the financial product types and the product demand characteristic values of the users, screening the financial products meeting the product demands of the users in the financial product database, and recommending the obtained financial products meeting the product demands of the users to the users.
The effect of the above technical scheme is: the financial product recommendation method based on financial product directional screening can effectively improve the accuracy of screening financial products and the accuracy of positioning financial products based on user requirements, and further effectively improve the matching degree of the financial products recommended to the user and the investment requirements of the user. According to the financial product recommendation method based on financial product directional screening, the characteristic value data capable of representing the investment intention of a user is obtained through the product demand characteristic value, then the characteristic value data capable of accurately representing the characteristics of a financial product is obtained through the product information data, the financial product meeting the investment intention of the user is obtained through the comparison between the characteristic value data of the investment intention of the user and the characteristic value data of the characteristics of the financial product, the effectiveness of financial product recommendation is improved to the maximum extent, the selection rate of the user on the financial product is further improved, the effectiveness of financial product recommendation is effectively improved, and the problem that the service experience of the user is reduced due to too many invalid financial product recommendations which do not meet the requirements of the client is prevented.
One embodiment of the present invention, as shown in fig. 2, the classifying the existing financial products and the newly added financial products according to the investment types, the investment cost intervals and the risk profitability of the existing financial products and the newly added financial products in the financial product database, and obtaining the corresponding types of the financial products, includes:
s101, classifying the existing financial products in a financial product database according to the investment types, investment cost intervals and risk profitability of the existing financial products in the financial product database to obtain a plurality of financial product types;
s102, when a newly added financial product is introduced into the financial product database, extracting product information of the newly added financial product, wherein the product information comprises an investment type, an investment cost interval, a risk yield and the like;
s103, determining the type of the financial product to which the newly added financial product belongs according to the investment type, the investment cost interval and the risk profitability of the newly added financial product;
and S104, classifying the newly added financial product into the financial product type corresponding to the newly added financial product according to the determined financial product type to which the newly added financial product belongs.
The method comprises the following steps of classifying the existing financial products in a financial product database according to the investment types, the investment cost intervals and the risk profitability of the existing financial products in the financial product database, and acquiring a plurality of financial product types, wherein the steps comprise:
s1011, according to the investment types of the financial products, carrying out large-class classification processing on the financial products to obtain a large-class investment set of the financial products; the investment types of the financial products comprise bank type investment, security type investment, insurance type investment, property type investment, project investment and financing type investment and the like.
S1012, according to the investment cost of each specific financial product in each financial product investment major set, carrying out cost subclass classification according to a preset investment cost interval, and obtaining a plurality of financial product subclasses which are calibrated by taking the investment cost interval range in each financial product investment major set;
and S1013, acquiring the risk income rate of each financial product in each financial product subclass according to the information data of each financial product in each financial product subclass, dividing the financial products in each financial product subclass into a low-risk type, a medium-low risk type, a medium-high risk type and a high-risk type according to preset low-risk, medium-low risk, medium-high risk and high-risk income rate numerical value intervals, and acquiring a low-risk financial product type set, a medium-low risk financial product type set, a medium-high risk financial product type set and a high-risk financial product type set in each financial product subclass.
The working principle of the technical scheme is as follows: firstly, classifying existing financial products in a financial product database according to investment types, investment cost intervals and risk profitability of the existing financial products in the financial product database to obtain a plurality of financial product types; then, when a newly added financial product is introduced into the financial product database, extracting product information of the newly added financial product, wherein the product information comprises an investment type, an investment cost interval, a risk yield and the like; then, determining the type of the financial product to which the newly added financial product belongs according to the investment type, the investment cost interval and the risk yield of the newly added financial product; and finally, classifying the newly added financial product into the financial product type corresponding to the newly added financial product according to the determined financial product type to which the newly added financial product belongs.
Specifically, the existing financial products in the financial product database are classified according to the investment types, the investment cost intervals and the risk profitability of the existing financial products in the financial product database, a plurality of financial product types are obtained, and the detailed process is as follows: firstly, according to the investment type of financial products, carrying out large-class classification processing on the financial products to obtain a large-class set of financial product investment; secondly, performing cost subclass classification in each financial product investment major set according to the investment cost of each specific financial product and a preset investment cost interval, and acquiring a plurality of financial product subclasses which are calibrated by taking the investment cost interval range in each financial product investment major set; and finally, acquiring the risk-income rate of each financial product in each financial product subclass according to the information data of each financial product in each financial product subclass, dividing the financial products in each financial product subclass into a low-risk type, a medium-low risk type, a medium-high risk type and a high-risk type according to preset low-risk, medium-low risk, medium-high risk and high-risk-income rate numerical value intervals, and acquiring a low-risk financial product type set, a medium-low risk financial product type set, a medium-high risk financial product type set and a high-risk financial product type set in each financial product subclass.
The effect of the above technical scheme is as follows: by means of the method, the classification of financial products is effectively improved, a reasonable classification set is provided for screening and comparing subsequent products, the efficiency of obtaining candidate financial products is effectively improved, the accuracy of screening the financial products and the accuracy and the positioning efficiency of positioning the financial products based on user requirements can be effectively improved, and the product screening and positioning time is shortened.
One embodiment of the present invention, scanning the user basic information and investment information data of the newly registered user and the invested user in real time, and analyzing the product demand characteristic value of the user according to the user basic information and investment information data obtained by scanning, comprises:
s201, extracting user basic information of a new registered user from user information filled in the registration process of the new registered user, wherein the user basic information comprises the investment type of the financial product which is selected in advance and is intended to be invested, an available investment capital numerical range and an affordable risk and earning rate range;
s202, calculating and acquiring a product demand characteristic value corresponding to each new registered user by combining and utilizing a first characteristic value model according to the data information of the available investment capital numerical range and the bearable risk and earning rate range in the user basic information of the new registered user; wherein the first eigenvalue model is as follows:
Figure 390570DEST_PATH_IMAGE009
wherein, the first and the second end of the pipe are connected with each other,W max a corresponding value representing a maximum number of investment capital within a range of available investment capital values for the new registered user;W min a corresponding value representing a minimum number of investment capital within a range of available investment capital values for the new registered user;W f representing a lowest expected risk benefit amount entered upon registration of the newly registered user;Q max representing the highest risk yield corresponding value in the bearable risk yield range of the new registered user;Q min representing the lowest risk yield corresponding value in the bearable risk yield range of the new registered user;Q 0representing an average of the risk-to-return rates of all financial products in the pre-selected investment type of the intended investment;nrepresenting a total number of products for all financial products in the pre-selected investment type intended for investment;λ i within all financial products in the investment type representing the preselected intended investmentiRisk value coefficient of individual financial product;ω i indicating a pre-selected intended investmentWithin all financial products of the investment type, the firstiRisk-free rate of return for individual financial product;K 1、K 2andK 3respectively, a first index parameter, a second index parameter, and a third index parameter, and,K 1、K 2andK 3the values are respectively: 1.07, 1.13, and 0.8;
s203, acquiring investment key information from the information of the financial products which have been invested by the invested user, wherein the investment key information comprises an investment type, an investment capital value and a risk yield corresponding to the financial products which have continuously invested, and an investment type, an investment capital value and a risk yield corresponding to the financial products which have given up investment;
s204, calculating and acquiring a product demand characteristic value corresponding to each invested user by combining and utilizing a second characteristic value model according to investment key information of the invested user; wherein the second eigenvalue model is as follows:
Figure 85732DEST_PATH_IMAGE010
wherein, the first and the second end of the pipe are connected with each other,R max a corresponding value representing a maximum number of investment capital in a continuing investment product of the invested user;R min a corresponding value representing a minimum number of investment capital in a continuing investment product of the invested user;W fM representing a highest risk benefit amount in the continuing investment product of the invested user; (ii) aQ ymax Representing a highest risk profitability correspondence value in the continuing investment product of the invested user;Q ymin representing a minimum risk profitability correspondence value in the continuing investment product of the invested user;Q y0means for representing an average of the risk-return rates of all financial products in the invested user's continuing investment products;mrepresenting a total number of products of all financial products in the investment-sustaining items of the invested user;λ j of the continuing investment products representing said invested users, the firstjA risk value coefficient for each financial product;ω i of the continuing investment products representing said invested usersjRisk-free rate of return for individual financial product;M 1、M 2andM 3respectively representing a first level index parameter, a second level index parameter and a third level index parameter, and,M 1、M 2andM 3the values are respectively: 1.12, 1.15 and 0.9;
the working principle of the technical scheme is as follows: firstly, extracting user basic information of a new registered user from user information filled in the registration process of the new registered user, wherein the user basic information comprises the investment type of the financial product which is selected in advance and is intended to be invested, an available investment capital numerical range and an affordable risk and earning rate range; then, calculating and acquiring a product demand characteristic value corresponding to each new registered user by combining and utilizing a first characteristic value model according to the data information of the available investment capital numerical range and the bearable risk and earning rate range in the user basic information of the new registered user; then, acquiring investment key information from the invested financial product information of the invested user; and finally, calculating and acquiring a product demand characteristic value corresponding to each invested user by combining and utilizing a second characteristic value model according to the investment key information of the invested user.
The effect of the above technical scheme is: the characteristic value data capable of representing the user investment intention is acquired through the product demand characteristic value in the mode, then the characteristic value data capable of accurately representing the financial product characteristics is acquired through the product information data, the financial products meeting the user investment intention are acquired through the comparison between the characteristic value data of the user investment intention and the characteristic value data of the financial product characteristics, the effectiveness of financial product recommendation is improved to the maximum extent, the user selection rate of the financial products is improved, the effectiveness of the financial product recommendation is effectively improved, and the problem that the user service experience is reduced due to excessive invalid financial product recommendation which does not meet the customer requirements is prevented. Meanwhile, the product demand characteristic value obtained by the formula can effectively utilize the characteristic value to display objective values according to the subjective and generalized requirements of the client by effectively combining the product demand characteristic value of each user with the individual investment requirements of each user, and can provide visual numerical value basis for product matching under the condition of providing accurate, objective and visual characteristic numerical value data, so that the product screening efficiency in the process of financial product selection and user demand matching can be effectively improved, and the product screening accuracy is effectively improved. On the other hand, the characteristic value acquisition module provided by the embodiment can effectively improve the evaluation accuracy and comprehensiveness of the product demand characteristic value to the user demand, embody the characteristics of the user investment demand to the maximum extent, and further improve the product screening efficiency and the product screening accuracy in the subsequent financial product selection and user demand matching process.
In an embodiment of the present invention, in combination with the financial product type and the product demand characteristic value of the user, screening a financial product meeting the product demand of the user in the financial product database, and recommending the acquired financial product meeting the product demand of the user to the user, includes:
s301, screening out financial products meeting the product requirements of the newly registered user from the financial product database;
s302, screening financial products meeting the product requirements of the invested users from the financial product database;
wherein screening out financial products meeting the product requirements of the newly registered user in the financial product database comprises:
s3011, extracting financial products which accord with the available investment capital numerical range from the investment types of the financial products which are selected by the new registered user in advance and are intended to be invested as candidate financial products in the financial product subclasses according to the available investment capital numerical range of the new registered user;
s3012, extracting the risk-return rate of each candidate financial product from the candidate financial products, and acquiring a product characteristic value of each candidate financial product by using the risk-return rate and the investment cost corresponding to the candidate financial product; wherein the product characteristic value is obtained by the following formula:
Figure 105640DEST_PATH_IMAGE011
wherein, the first and the second end of the pipe are connected with each other,W kmax the corresponding numerical value of the maximum investment cost number in the investment cost range of the financial product is represented;W kmin a corresponding value representing a minimum investment capital number within the estimated investment capital range of the financial product;W kf representing a lowest expected risk benefit amount entered upon registration of the newly registered user;Q kmax representing a highest risk profitability correspondence value for the financial product;Q kmin representing a lowest risk profitability correspondence value for the financial product;λa risk value coefficient representing a financial product;ωrepresenting a risk-free rate of return for the financial product;K 1、K 2andK 3respectively representing a first index parameter, a second index parameter, and a third index parameter, and,K 1、K 2andK 3the values are respectively: 1.07, 1.13, and 0.8;
s3013, selecting candidate financial products of which the product characteristic values fall within the product demand characteristic value range corresponding to the new registered user, and recommending the candidate financial products of which the product characteristic values fall within the product demand characteristic value range corresponding to the new registered user as the financial products meeting the product demands of the user;
wherein screening out financial products meeting the product requirements of the invested user in the financial product database comprises:
s3021, extracting investment types corresponding to the financial products of the continuous investment and the newly added investment of the invested user, and acquiring the financial products which are consistent with the numerical ranges of the investment capital of the financial products of the continuous investment and the newly added investment from the investment types to serve as candidate financial products of the newly added investment;
s3022, extracting the risk rate of return of each candidate financial product from the newly-added investment candidate financial products, and obtaining the product characteristic value of each newly-added investment candidate financial product by using the risk rate of return corresponding to the newly-added investment candidate financial product and the investment cost corresponding to the newly-added investment candidate financial product; wherein the product characteristic value of the newly added investment candidate financial product is obtained by the following formula:
Figure 45914DEST_PATH_IMAGE012
wherein the content of the first and second substances,W kmax the corresponding numerical value of the maximum investment cost number in the investment cost range of the financial product is represented;W kmin a corresponding value representing a minimum investment capital number within the estimated investment capital range of the financial product;W kf representing a lowest expected risk benefit amount entered upon registration of the newly registered user;Q kmax representing a highest risk profitability correspondence value for the financial product;Q kmin representing a lowest risk profitability correspondence value for the financial product;λa risk value coefficient representing a financial product;ωrepresenting a risk-free rate of return for the financial product;M 1、M 2andM 3respectively representing a first level index parameter, a second level index parameter and a third level index parameter, and,M 1、M 2andM 3the values are respectively: 1.12, 1.15 and 0.9;
s3023, selecting a newly added investment candidate financial product of which the product characteristic value falls into the product demand characteristic value corresponding to the invested user, and recommending the newly added investment candidate financial product of which the product characteristic value falls into the product demand characteristic value corresponding to the invested user as a financial product meeting the product demand of the user to the invested user.
The effect of the above technical scheme is as follows: the financial product screening matching efficiency and the screening speed can be effectively improved through the falling range comparison mode of the product characteristic value of the financial product and the product demand characteristic value of the user, meanwhile, the matching performance of the corresponding financial product with the user investment demand within the product characteristic value range can be effectively improved, the selection rate of the user on the recommended investment product is further improved to the maximum extent, the effective recommendation rate of the selected financial product is guaranteed to the maximum extent, the situation that the financial product which does not meet the user demand is recommended more, the invalid recommended product rate is increased, and the user experience feeling is reduced is prevented from occurring.
Meanwhile, the product demand characteristic value obtained by the formula can effectively utilize the characteristic value to perform objective value presentation on the main characteristic of product investment by effectively combining the product information of each financial product, and can provide visual value basis for subsequent product and user demand matching to perform product matching under the condition of providing accurate, objective and visual characteristic value data, so that the product screening efficiency in the process of selecting financial products and matching user demands can be effectively improved, and the product screening accuracy is effectively improved. On the other hand, the product characteristic value acquisition module provided by the embodiment can effectively improve the evaluation accuracy and comprehensiveness of the characteristic value to the corresponding financial product, embody the characteristics of the property of the investment product to the maximum extent, and further improve the product screening efficiency and the product screening accuracy in the subsequent process of selecting the financial product and matching the user requirement.
An embodiment of the present invention provides a financial product recommendation system based on directional screening of financial products, as shown in fig. 3, the financial product recommendation system includes:
the classification module is used for classifying the existing financial products and the newly added financial products according to the investment types, the investment cost intervals and the risk profitability of the existing financial products and the newly added financial products in the financial product database and acquiring the corresponding financial product types;
the system comprises a characteristic value acquisition module, a characteristic value analysis module and a characteristic value analysis module, wherein the characteristic value acquisition module is used for scanning the user basic information and investment information data of a newly registered user and an invested user in real time and analyzing the product demand characteristic value of the user according to the user basic information and investment information data obtained by scanning;
and the screening and recommending module is used for screening the financial products meeting the product requirements of the user in the financial product database by combining the types of the financial products and the product requirement characteristic value of the user, and recommending the obtained financial products meeting the product requirements of the user to the user.
The working principle of the technical scheme is as follows: firstly, performing product classification on the existing financial products and the newly added financial products according to the investment types, the investment cost intervals and the risk profitability of the existing financial products and the newly added financial products in a financial product database through a classification module, and acquiring corresponding financial product types; then, scanning the user basic information and investment information data of the newly registered user and the invested user in real time by using a characteristic value acquisition module, and analyzing the product demand characteristic value of the user according to the user basic information and the investment information data obtained by scanning; and finally, screening the financial products meeting the product requirements of the user in the financial product database by adopting a screening recommendation module in combination with the financial product types and the product requirement characteristic values of the user, and recommending the acquired financial products meeting the product requirements of the user to the user.
The effect of the above technical scheme is as follows: the financial product recommendation system based on financial product directional screening can effectively improve accuracy of screening financial products and accuracy of financial product positioning based on user requirements, and further effectively improve matching degree of the financial products recommended to the user and investment requirements of the user. The financial product recommendation system based on financial product oriented screening provided by the embodiment acquires characteristic value data capable of representing user investment intention through a product demand characteristic value, then acquires the characteristic value data capable of accurately representing financial product characteristics by utilizing product information data, acquires financial products meeting the user investment intention through comparison between the characteristic value data of the user investment intention and the characteristic value data of the financial product characteristics, improves the effectiveness of financial product recommendation to the maximum extent, further improves the selectivity of users to financial products, effectively improves the effectiveness of financial product recommendation, and prevents the problem that the user service experience is reduced due to excessive invalid financial product recommendation which does not meet the customer demand.
In one embodiment of the present invention, the classification module includes:
the type acquisition module is used for classifying the financial products in the financial product database according to the investment types, the investment cost intervals and the risk earning rates of the existing financial products in the financial product database to acquire a plurality of financial product types;
the extraction module is used for extracting product information of a newly-added financial product when the newly-added financial product is introduced into the financial product database, wherein the product information comprises an investment type, an investment cost interval, a risk yield and the like;
the type determining module is used for determining the type of the financial product to which the newly added financial product belongs according to the investment type, the investment cost interval and the risk profitability of the newly added financial product;
and the product classifying module is used for classifying the newly added financial products into the financial product types corresponding to the newly added financial products according to the determined financial product types to which the newly added financial products belong.
Wherein the type obtaining module comprises:
the system comprises a set acquisition module, a classification module and a classification module, wherein the set acquisition module is used for classifying financial products according to investment types of the financial products to obtain a financial product investment large set; the investment types of the financial products comprise bank type investment, security type investment, insurance type investment, property type investment, project investment and financing type investment and the like.
The subclass acquisition module is used for carrying out cost subclass classification according to a preset investment cost interval in each financial product investment major class set according to the investment cost of each specific financial product, and acquiring a plurality of financial product subclasses which are calibrated by taking the investment cost interval range in each financial product investment major class set;
the risk division module is used for acquiring the risk income rate of each financial product in each financial product sub-class according to the information data of each financial product in each financial product sub-class, dividing the financial products in each financial product sub-class into a low risk type, a medium high risk type and a high risk type according to preset low risk, medium high risk and high risk income rate numerical value intervals, and acquiring a low risk financial product type set, a medium high risk financial product type set and a high risk financial product type set in each financial product sub-class.
The working principle of the technical scheme is as follows: the operation process of the classification module comprises the following steps:
firstly, classifying existing financial products in a financial product database according to investment types, investment cost intervals and risk earnings of the existing financial products in the financial product database through a type acquisition module to acquire a plurality of financial product types; then, when a newly added financial product is introduced into the financial product database by using an extraction module, extracting product information of the newly added financial product, wherein the product information comprises an investment type, an investment cost interval, a risk yield and the like; then, determining the type of the financial product to which the newly added financial product belongs by using a type determination module according to the investment type, the investment cost interval and the risk profitability of the newly added financial product; and finally, classifying the newly added financial product into the financial product type corresponding to the newly added financial product by using a product classification module according to the determined financial product type to which the newly added financial product belongs.
The operation process of the type acquisition module comprises the following steps:
firstly, performing large-class classification processing on financial products according to investment types of the financial products through a set acquisition module to obtain a large-class set of financial product investment; the investment types of the financial products comprise bank type investment, security type investment, insurance type investment, property type investment, project investment and financing type investment and the like. Then, a subclass obtaining module is used for carrying out cost subclass classification in each financial product investment major set according to the investment cost of each specific financial product and a preset investment cost interval, and a plurality of financial product subclasses which are calibrated by taking the investment cost interval range in each financial product investment major set are obtained; and finally, acquiring the risk income rate of each financial product by adopting a risk division module aiming at the information data of each financial product in each financial product sub-class, dividing the financial products in each financial product sub-class into a low risk type, a medium high risk type and a high risk type according to preset low risk, medium high risk and high risk income rate numerical value intervals, and acquiring a low risk financial product type set, a medium high risk financial product type set and a high risk financial product type set in each financial product sub-class.
The effect of the above technical scheme is: by means of the method, the classification of the financial products is effectively improved, a reasonable classification set is provided for screening and comparing subsequent products, the efficiency of obtaining candidate financial products is effectively improved, the accuracy of screening the financial products and the accuracy and the positioning efficiency of positioning the financial products based on user demands can be effectively improved, and the product screening and positioning time is shortened.
In an embodiment of the present invention, the eigenvalue acquisition module includes:
a basic information extraction module for extracting the user basic information of the new registered user from the user information filled in the registration process of the new registered user, wherein the user basic information comprises the investment type of the financial product which is selected in advance and is intended to invest, an available investment capital numerical value range and an affordable risk and earning rate range;
the first characteristic value acquisition module is used for calculating and acquiring a product demand characteristic value corresponding to each new registered user by combining and utilizing a first characteristic value model according to the data information of the available investment capital numerical range and the bearable risk profitability range in the user basic information of the new registered user; wherein the first eigenvalue model is as follows:
Figure 975824DEST_PATH_IMAGE013
wherein the content of the first and second substances,W max a maximum investment capital number corresponding value within a range of available investment capital values representing the new registered user;W min a corresponding value representing a minimum number of investment capital within a range of available investment capital values for the new registered user;W f representing a lowest expected risk benefit amount entered upon registration of the newly registered user;Q max representing the highest risk yield corresponding value in the bearable risk yield range of the new registered user;Q min representing a lowest risk profitability corresponding numerical value within the bearable risk profitability range of the new registered user;Q 0means for representing an average of the risk-to-return rates of all financial products in the pre-selected investment-type intended for investment;nrepresenting a total number of products for all financial products in the pre-selected investment type intended for investment;λ i within all financial products in the investment type representing the preselected intended investmentiA risk value coefficient for each financial product;ω i within all financial products of the investment type representing the pre-selected intended investment, the secondiRisk-free rate of return for individual financial product;K 1、K 2andK 3respectively representing a first index parameter, a second index parameter, and a third index parameter, and,K 1、K 2andK 3the values are respectively: 1.07, 1.13, and 0.8;
the key information acquisition module is used for acquiring investment key information from the information of the financial products which have been invested by the invested users, wherein the investment key information comprises investment types, investment capital values and risk profitability corresponding to the financial products which have been invested continuously, and investment types, investment capital values and risk profitability corresponding to the financial products which have given up investment;
the second characteristic value acquisition module is used for calculating and acquiring a product demand characteristic value corresponding to each invested user by combining and utilizing a second characteristic value model according to investment key information of the invested users; wherein the second eigenvalue model is as follows:
Figure 844817DEST_PATH_IMAGE014
wherein, the first and the second end of the pipe are connected with each other,R max a corresponding value representing a maximum investment capital number in a continuing investment product of the invested user;R min a corresponding numerical value representing a minimum number of investment capital in a continuing investment product of the invested user;W fM representing a highest risk revenue amount in the continuing investment product of the invested user; (ii) aQ ymax Representing a highest risk profitability correspondence value in the continuing investment product of the invested user;Q ymin representing a minimum risk profitability correspondence value in the continuing investment product of the invested user;Q y0means for representing an average of the risk-to-return rates of all financial products in the invested user's continuing investment products;mrepresenting a total number of products of all financial products in the investment-sustaining items of the invested user;λ j of the continuing investment products representing said invested users, the firstjRisk value coefficient of individual financial product;ω i of the continuing investment products representing said invested usersjRisk-free rate of return for individual financial product;M 1、M 2andM 3respectively representing a primary index parameter, a secondary index parameter and a tertiary index parameter, and,M 1、M 2andM 3the values are respectively: 1.12, 1.15 and 0.9.
The working principle and the effect of the technical scheme are as follows: the characteristic value data capable of representing the user investment intention is acquired through the product demand characteristic value in the mode, then the characteristic value data capable of accurately representing the financial product characteristics is acquired through the product information data, the financial products meeting the user investment intention are acquired through the comparison between the characteristic value data of the user investment intention and the characteristic value data of the financial product characteristics, the effectiveness of financial product recommendation is improved to the maximum extent, the user selection rate of the financial products is improved, the effectiveness of the financial product recommendation is effectively improved, and the problem that the user service experience is reduced due to excessive invalid financial product recommendation which does not meet the customer requirements is prevented. Meanwhile, the product demand characteristic value obtained by the formula can effectively utilize the characteristic value to display objective values according to the subjective and generalized requirements of the client by effectively combining the product demand characteristic value of each user with the individual investment requirements of each user, and can provide visual numerical value basis for product matching under the condition of providing accurate, objective and visual characteristic numerical value data, so that the product screening efficiency in the process of financial product selection and user demand matching can be effectively improved, and the product screening accuracy is effectively improved. On the other hand, the characteristic value acquisition module provided by the embodiment can effectively improve the evaluation accuracy and comprehensiveness of the product demand characteristic value to the user demand, embody the characteristics of the user investment demand to the maximum extent, and further improve the product screening efficiency and the product screening accuracy in the subsequent financial product selection and user demand matching process.
In an embodiment of the present invention, the filtering recommendation module includes:
the first screening module is used for screening out financial products meeting the product requirements of the new registered user in the financial product database;
the second screening module is used for screening out financial products meeting the product requirements of the invested user in the financial product database;
wherein the first screening module comprises:
a first candidate product acquisition module for extracting, among the investment types of the financial products intended to invest previously selected by the new registered user, financial products conforming to the available investment capital numerical range among the financial product subclasses as candidate financial products, based on the available investment capital numerical range of the new registered user;
a first product characteristic obtaining module, configured to extract a risk-return rate of each candidate financial product from the candidate financial products, and obtain a product characteristic value of each candidate financial product by using the risk-return rate and investment costs corresponding to the candidate financial products; wherein the product characteristic value is obtained by the following formula:
Figure 197694DEST_PATH_IMAGE015
wherein the content of the first and second substances,W kmax a corresponding value representing the maximum investment cost number within the investment capital range of the financial product;W kmin a corresponding value representing a minimum investment capital number within the estimated investment capital range of the financial product;W kf representing a lowest expected risk benefit amount entered upon registration of the newly registered user;Q kmax representing a highest risk profitability correspondence value for the financial product;Q kmin representing a lowest risk profitability correspondence value for the financial product;λrepresenting a risk value coefficient of the financial product;ωrepresenting a risk-free rate of return for the financial product;K 1、K 2andK 3respectively, a first index parameter, a second index parameter, and a third index parameter, and,K 1、K 2andK 3the values are respectively: 1.07, 1.13, and 0.8;
the first recommending module is used for selecting candidate financial products of which the product characteristic values fall into the product demand characteristic value range corresponding to the new registered user, and recommending the candidate financial products of which the product characteristic values fall into the product demand characteristic value range corresponding to the new registered user as the financial products meeting the product demands of the user;
wherein the second screening module comprises:
the second candidate product acquisition module is used for extracting the investment types corresponding to the financial products of the continuous investment and the newly added investment of the invested user and acquiring the financial products which are consistent with the investment capital value ranges of the financial products of the continuous investment and the newly added investment from the investment types as the newly added investment candidate financial products;
the second product characteristic acquisition module is used for extracting the risk income rate of each candidate financial product from the newly-added investment candidate financial products and acquiring the product characteristic value of each newly-added investment candidate financial product by using the risk income rate corresponding to the newly-added investment candidate financial product and the investment cost corresponding to the newly-added investment candidate financial product; wherein the product characteristic value of the newly added investment candidate financial product is obtained by the following formula:
Figure 613763DEST_PATH_IMAGE016
wherein, the first and the second end of the pipe are connected with each other,W kmax the corresponding numerical value of the maximum investment cost number in the investment cost range of the financial product is represented;W kmin a corresponding value representing a minimum investment capital number within the estimated investment capital range of the financial product;W kf representing a lowest expected risk benefit amount entered upon registration of the newly registered user;Q kmax representing a highest risk profitability correspondence value for the financial product;Q kmin representing a lowest risk profitability correspondence value for the financial product;λa risk value coefficient representing a financial product;ωrepresenting a risk-free rate of return for the financial product;M 1、M 2andM 3respectively representing a primary index parameter, a secondary index parameter and a tertiary index parameter, and,M 1、M 2andM 3the values are respectively: 1.12, 1.15 and 0.9;
and the second recommending module is used for selecting the newly added investment candidate financial products of which the product characteristic values fall into the product demand characteristic values corresponding to the invested users, and recommending the newly added investment candidate financial products of which the product characteristic values fall into the product demand characteristic values corresponding to the invested users as financial products meeting the product demands of the users.
The working principle and the effect of the technical scheme are as follows: the financial product screening matching efficiency and the screening speed can be effectively improved through the falling range comparison mode of the product characteristic value of the financial product and the product demand characteristic value of the user, meanwhile, the matching performance of the corresponding financial product with the user investment demand within the product characteristic value range can be effectively improved, the selection rate of the user on the recommended investment product is further improved to the maximum extent, the effective recommendation rate of the selected financial product is guaranteed to the maximum extent, the situation that the financial product which does not meet the user demand is recommended more, the invalid recommended product rate is increased, and the user experience feeling is reduced is prevented from occurring.
Meanwhile, the product demand characteristic value obtained by the formula can effectively utilize the characteristic value to perform objective value presentation on the main characteristic of product investment by effectively combining the product information of each financial product, and can provide visual value basis for subsequent product and user demand matching to perform product matching under the condition of providing accurate, objective and visual characteristic value data, so that the product screening efficiency in the process of selecting financial products and matching user demands can be effectively improved, and the product screening accuracy is effectively improved. On the other hand, the product characteristic value acquisition module provided by the embodiment can effectively improve the evaluation accuracy and comprehensiveness of the characteristic value to the corresponding financial product, embody the characteristics of the property of the investment product to the maximum extent, and further improve the product screening efficiency and the product screening accuracy in the subsequent process of selecting the financial product and matching the user requirement.
It will be apparent to those skilled in the art that various changes and modifications may be made in the present invention without departing from the spirit and scope of the invention. Thus, if such modifications and variations of the present invention fall within the scope of the claims of the present invention and their equivalents, the present invention is also intended to include such modifications and variations.

Claims (10)

1. A financial product recommendation system based on oriented screening of financial products, the financial product recommendation system comprising:
the classification module is used for classifying the existing financial products and the newly added financial products according to the investment types, the investment cost intervals and the risk profitability of the existing financial products and the newly added financial products in the financial product database and acquiring the corresponding financial product types;
the system comprises a characteristic value acquisition module, a characteristic value analysis module and a characteristic value analysis module, wherein the characteristic value acquisition module is used for scanning user basic information and investment information data of a newly registered user and an invested user in real time and analyzing product demand characteristic values of the users according to the scanned user basic information and investment information data;
and the screening recommendation module is used for screening the financial products meeting the product requirements of the user in the financial product database by combining the types of the financial products and the product requirement characteristic values of the user, and recommending the obtained financial products meeting the product requirements of the user to the user.
2. The financial product recommendation system according to claim 1, wherein the classification module comprises:
the type acquisition module is used for classifying the financial products in the financial product database according to the investment types, the investment cost intervals and the risk profitability of the financial products in the financial product database to acquire a plurality of financial product types;
the extraction module is used for extracting product information of a newly-added financial product when the newly-added financial product is introduced into the financial product database, wherein the product information comprises an investment type, an investment cost interval and a risk yield;
the type determining module is used for determining the type of the financial product to which the newly added financial product belongs according to the investment type, the investment cost interval and the risk yield of the newly added financial product;
and the product classifying module is used for classifying the newly added financial products into the financial product types corresponding to the newly added financial products according to the determined financial product types to which the newly added financial products belong.
3. The financial product recommendation system according to claim 2, wherein said type acquisition module comprises:
the system comprises a set acquisition module, a classification module and a classification module, wherein the set acquisition module is used for classifying financial products according to investment types of the financial products to obtain a financial product investment large set;
the subclass acquisition module is used for carrying out cost subclass classification according to a preset investment cost interval in each financial product investment major class set according to the investment cost of each specific financial product, and acquiring a plurality of financial product subclasses which are calibrated by taking the investment cost interval range in each financial product investment major class set;
the risk division module is used for acquiring the risk income rate of each financial product in each financial product sub-class according to the information data of each financial product in each financial product sub-class, dividing the financial products in each financial product sub-class into a low risk type, a medium and high risk type and a high risk type according to preset low risk, medium and low risk and high risk income rate numerical intervals, and acquiring a low risk financial product type set, a medium and high risk financial product type set and a high risk financial product type set in each financial product sub-class.
4. The financial product recommendation system according to claim 1, wherein said characteristic value acquisition module comprises:
a basic information extraction module for extracting the user basic information of the new registered user from the user information filled in the registration process of the new registered user, wherein the user basic information comprises the investment type of the financial product which is selected in advance and is intended to invest, an available investment capital numerical value range and an affordable risk and earning rate range;
the first characteristic value acquisition module is used for calculating and acquiring a product demand characteristic value corresponding to each new registered user by combining and utilizing a first characteristic value model according to the data information of the available investment capital numerical range and the bearable risk earning rate range in the user basic information of the new registered user;
the key information acquisition module is used for acquiring investment key information from the information of the financial products which have been invested by the invested user, wherein the investment key information comprises an investment type, an investment capital value and a risk yield corresponding to the financial products which have continuously invested, and an investment type, an investment capital value and a risk yield corresponding to the financial products which have given up investment;
and the second characteristic value acquisition module is used for calculating and acquiring a product demand characteristic value corresponding to each invested user by combining and utilizing a second characteristic value model according to the investment key information of the invested user.
5. The financial product recommendation system of claim 1, wherein the filtering recommendation module comprises:
the first screening module is used for screening out financial products meeting the product requirements of the newly registered user in the financial product database;
a second screening module for screening out financial products meeting the product requirements of the invested user in the financial product database;
wherein the first screening module comprises:
a first candidate product acquisition module for extracting, among the investment types of the financial products intended to invest preselected by the new registered user, a financial product conforming to the available investment capital numerical range among the financial product sub-class as a candidate financial product, based on the available investment capital numerical range of the new registered user;
the first product characteristic acquisition module is used for extracting the risk return rate of each candidate financial product from the candidate financial products and acquiring the product characteristic value of each candidate financial product by using the risk return rate and the investment cost corresponding to the candidate financial product;
the first recommending module is used for selecting candidate financial products of which the product characteristic values fall into the product demand characteristic value range corresponding to the new registered user, and recommending the candidate financial products of which the product characteristic values fall into the product demand characteristic value range corresponding to the new registered user as the financial products meeting the product demands of the user;
wherein the second screening module comprises:
a second candidate product obtaining module, configured to extract investment types corresponding to financial products of continuous investment and newly added investment of the invested user, and obtain financial products that match the numerical range of investment capital of the financial products of continuous investment and newly added investment from the investment types as candidate financial products of newly added investment;
a second product characteristic obtaining module, configured to extract a risk-return rate of each candidate financial product from the newly-added investment candidate financial products, and obtain a product characteristic value of each newly-added investment candidate financial product by using the risk-return rate corresponding to the newly-added investment candidate financial product and the investment cost corresponding to the newly-added investment candidate financial product;
and the second recommending module is used for selecting the newly added investment candidate financial products of which the product characteristic values fall into the product demand characteristic values corresponding to the invested users, and recommending the newly added investment candidate financial products of which the product characteristic values fall into the product demand characteristic values corresponding to the invested users as financial products meeting the product demands of the users.
6. A financial product recommendation method based on financial product oriented screening is characterized by comprising the following steps:
according to the investment types, the investment cost intervals and the risk profitability of the existing financial products and the newly added financial products in the financial product database, performing product classification on the existing financial products and the newly added financial products, and acquiring corresponding financial product types;
scanning the user basic information and investment information data of a newly registered user and an invested user in real time, and analyzing the product demand characteristic value of the user according to the user basic information and the investment information data obtained by scanning;
and screening out the financial products meeting the product requirements of the user from the financial product database by combining the financial product types and the product requirement characteristic values of the user, and recommending the obtained financial products meeting the product requirements of the user to the user.
7. The method of claim 6, wherein the step of classifying the existing financial products and the newly added financial products according to the investment types, the investment cost intervals and the risk returns of the existing financial products and the newly added financial products in the financial product database and obtaining the corresponding financial product types comprises:
classifying the existing financial products in a financial product database according to the investment types, investment cost intervals and risk profitability of the existing financial products in the financial product database to obtain a plurality of financial product types;
when a newly added financial product is imported into the financial product database, extracting product information of the newly added financial product, wherein the product information comprises an investment type, an investment cost interval and a risk profitability;
determining the type of the financial product to which the newly added financial product belongs according to the investment type, the investment cost interval and the risk yield of the newly added financial product;
and classifying the newly added financial products into the financial product types corresponding to the newly added financial products according to the determined financial product types to which the newly added financial products belong.
8. The method of claim 7, wherein the step of classifying the financial products existing in the database of financial products according to the investment types, investment cost intervals, and risk returns of the financial products existing in the database of financial products comprises:
according to the investment types of financial products, carrying out large-class classification processing on the financial products to obtain a large-class set of financial product investment;
according to the investment cost of each specific financial product in each financial product investment major set, carrying out cost subclass classification according to a preset investment cost interval, and obtaining a plurality of financial product subclasses which are calibrated by using the investment cost interval range in each financial product investment major set;
the method comprises the steps of obtaining the risk income rate of each financial product according to the information data of each financial product in each financial product sub-class, dividing the financial products in each financial product sub-class into a low risk type, a medium high risk type and a high risk type according to preset low risk, medium high risk and high risk income rate numerical value intervals, and obtaining a low risk financial product type set, a medium high risk financial product type set and a high risk financial product type set in each financial product sub-class.
9. The financial product recommendation method of claim 6, wherein scanning the user basic information and investment information data of the newly registered user and the invested user in real time, and analyzing the product demand characteristic value of the user based on the scanned user basic information and investment information data, comprises:
extracting user basic information of a new registered user from user information filled in the registration process of the new registered user, wherein the user basic information comprises the investment type of the financial product which is selected in advance and is intended to be invested, an available investment capital numerical value range and an affordable risk and earning rate range;
calculating and acquiring a product demand characteristic value corresponding to each new registered user by combining and utilizing a first characteristic value model according to the data information of the available investment capital numerical range and the bearable risk and earning rate range in the user basic information of the new registered user;
acquiring investment key information from the invested financial product information of the invested user, wherein the investment key information comprises an investment type, an investment capital value and a risk rate of return corresponding to the financial product which is continuously invested, and an investment type, an investment capital value and a risk rate of return corresponding to the financial product which has given up investment;
and calculating and acquiring a product demand characteristic value corresponding to each invested user by combining and utilizing a second characteristic value model according to the investment key information of the invested users.
10. The financial product recommendation method according to claim 6, wherein, in combination with the financial product type and the product demand characteristic value of the user, screening out financial products meeting the user's product demand in the financial product database and recommending the acquired financial products meeting the user's product demand to the user, comprises:
screening out financial products meeting the product requirements of the newly registered user from the financial product database;
screening financial products meeting the product requirements of the invested user in the financial product database;
wherein screening out financial products meeting the product requirements of the newly registered user in the financial product database comprises:
extracting, among the investment types of the financial products intended to invest previously selected by the new registered user, financial products conforming to the available investment capital numerical range among the financial product sub-class as candidate financial products according to the available investment capital numerical range of the new registered user;
extracting the risk rate of return of each candidate financial product from the candidate financial products, and acquiring the product characteristic value of each candidate financial product by using the risk rate of return and the investment cost corresponding to the candidate financial product;
selecting candidate financial products of which the product characteristic values fall within a product demand characteristic value range corresponding to the new registered user, and recommending the candidate financial products of which the product characteristic values fall within the product demand characteristic value range corresponding to the new registered user as the financial products meeting the product demand of the user;
wherein screening out financial products meeting the product requirements of the invested user in the financial product database comprises:
extracting investment types corresponding to the financial products of continuous investment and newly added investment of the invested user, and acquiring the financial products which are consistent with the numerical range of the investment capital of the financial products of continuous investment and newly added investment from the investment types as the financial products of newly added investment candidates;
extracting the risk-return rate of each candidate financial product from the newly-added investment candidate financial products, and acquiring the product characteristic value of each newly-added investment candidate financial product by using the risk-return rate corresponding to the newly-added investment candidate financial product and the investment cost corresponding to the newly-added investment candidate financial product;
and selecting a newly added investment candidate financial product of which the product characteristic value falls into the product requirement characteristic value corresponding to the invested user, and recommending the newly added investment candidate financial product of which the product characteristic value falls into the product requirement characteristic value corresponding to the invested user as a financial product meeting the product requirement of the user to the invested user.
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