CN116167851A

CN116167851A - Method, device, equipment, storage medium and program product for determining risk pressure

Info

Publication number: CN116167851A
Application number: CN202310213798.7A
Authority: CN
Inventors: 柳悦丰
Original assignee: China Construction Bank Corp; CCB Finetech Co Ltd
Current assignee: China Construction Bank Corp; CCB Finetech Co Ltd
Priority date: 2023-02-28
Filing date: 2023-02-28
Publication date: 2023-05-26

Abstract

The invention discloses a method, a device, equipment, a storage medium and a program product for determining risk pressure. The invention relates to the technical field of data processing. The method comprises the following steps: acquiring risk pressure information of a target transaction service; determining a first valuation result and a second valuation result of the target transaction business based on the risk pressure information; and determining the risk pressure of the target transaction service according to the first estimation result and the second estimation result. According to the technical scheme, the risk pressure of the financial business can be accurately determined, and the loss of the financial business is reduced.

Description

Method, device, equipment, storage medium and program product for determining risk pressure

Technical Field

Embodiments of the present invention relate to the field of data processing technologies, and in particular, to a method, an apparatus, a device, a storage medium, and a program product for determining risk pressure.

Background

The rate risk pressure test is to estimate the potential loss that may be caused to a financial business (e.g., bank) in the case of extreme adverse rate.

At present, the rate Risk pressure test of commercial banks mainly adopts a mode of simulating pressure scenes, and pressure-bearing indexes mainly are Risk values (VaR). The VaR mainly adopts historical data to construct a regression analysis model, and the exchange rate risk under the pressure scene can be represented by an exact VaR value, but the VaR value obtained through the historical data only can cover the information of the market for a period of time, and the model result is likely to not accurately reflect the change of the exchange rate risk under the pressure scene, so that the risk is underestimated and loss is caused.

Disclosure of Invention

The embodiment of the invention provides a method, a device, equipment, a storage medium and a program product for determining risk pressure, which can accurately determine the risk pressure of financial business and reduce the loss of the financial business.

In a first aspect, an embodiment of the present invention provides a method for determining risk pressure, including:

acquiring risk pressure information of a target transaction service;

determining a first valuation result and a second valuation result of the target transaction business based on the risk pressure information;

and determining the risk pressure of the target transaction service according to the first estimation result and the second estimation result.

Optionally, the risk pressure information includes at least one of: actual risk factors, actual transaction amounts, and offsets.

Optionally, determining the first valuation result of the target transaction service based on the risk pressure information includes:

and inputting the actual risk factors and the actual transaction amount into a set valuation model to obtain a first valuation result of the target transaction service.

Optionally, determining a second valuation result of the target transaction business based on the risk pressure information includes:

determining an offset risk factor according to the actual risk factor and the offset;

acquiring a pressure influence factor corresponding to the target transaction service;

a second valuation result is determined based on the offset risk factor, the pressure impact factor, and the transaction amount.

Optionally, determining a second valuation result based on the offset risk factor, the pressure impact factor, and the transaction amount includes:

and multiplying the offset risk factor, the pressure influence factor and the transaction amount in a cumulative way to obtain a second estimation result.

Optionally, before acquiring the risk pressure information of the target transaction service, the method further includes:

receiving risk factor information and offset configured by a user; the offset includes an offset magnitude and an offset unit.

Optionally, determining the risk pressure of the target transaction service according to the first estimation result and the second estimation result includes:

determining profit and loss information of the target transaction service according to the first estimation result and the second estimation result;

and determining the damage information as the risk pressure of the target transaction service.

Optionally, determining the profit and loss information of the target transaction service according to the first estimation result and the second estimation result includes:

and subtracting the first estimation result from the second estimation result to obtain the damage information of the target transaction service.

Optionally, after determining the first valuation result and the second valuation result of the target transaction service based on the risk pressure information, the method further includes:

and storing the first valuation results and the second valuation results of the target transaction business into a database in the form of reports respectively.

Optionally, after determining the risk pressure of the target transaction service according to the first estimation result and the second estimation result, the method further includes:

and displaying the risk pressures of a plurality of target transaction businesses in the form of reports.

In a second aspect, an embodiment of the present invention further provides a device for determining risk pressure, where the device includes:

the information acquisition module is used for acquiring risk pressure information of the target transaction service;

the valuation result determining module is used for determining a first valuation result and a second valuation result of the target transaction service based on the risk pressure information;

and the risk pressure determining module is used for determining the risk pressure of the target transaction service according to the first estimation result and the second estimation result.

In a third aspect, an embodiment of the present invention further provides an electronic device, including a memory, a processor, and a computer program stored in the memory and capable of running on the processor, where the processor implements a method for determining risk pressure according to any one of the embodiments of the present invention when the processor executes the program.

In a fourth aspect, embodiments of the present invention further provide a computer readable storage medium having stored thereon a computer program which, when executed by a processor, implements a method for determining risk pressure according to any of the embodiments of the present invention.

In a fifth aspect, embodiments of the present invention further provide a computer program product comprising a computer program which, when executed by a processor, implements a method of determining a risk pressure according to any of the embodiments of the present invention.

In the embodiment of the invention, risk pressure information of a target transaction service is obtained; determining a first valuation result and a second valuation result of the target transaction business based on the risk pressure information; and determining the risk pressure of the target transaction service according to the first estimation result and the second estimation result. According to the technical scheme, the risk pressure of the financial business can be accurately determined, and the loss of the financial business is reduced.

Drawings

In order to more clearly illustrate the technical solutions of the embodiments of the present invention, the drawings that are needed in the embodiments will be briefly described below, it being understood that the following drawings only illustrate some embodiments of the present invention and therefore should not be considered as limiting the scope, and other related drawings may be obtained according to these drawings without inventive effort for a person skilled in the art.

FIG. 1 is a flow chart of a method for determining risk pressure provided in accordance with an embodiment of the present invention;

FIG. 2 is a flow chart of a method for determining risk pressure provided in accordance with an embodiment of the present invention;

FIG. 3 is an overall flow example diagram of a method for determining risk pressure provided in accordance with an embodiment of the present invention;

fig. 4 is a schematic structural diagram of a risk pressure determining apparatus according to an embodiment of the present invention;

fig. 5 is a schematic structural diagram of an electronic device according to an embodiment of the present invention.

Detailed Description

The invention is described in further detail below with reference to the drawings and examples. It is to be understood that the specific embodiments described herein are merely illustrative of the invention and are not limiting thereof. It should be further noted that, for convenience of description, only some, but not all of the structures related to the present invention are shown in the drawings.

It should be noted that: like reference numerals and letters denote like items in the following figures, and thus once an item is defined in one figure, no further definition or explanation thereof is necessary in the following figures. Meanwhile, in the description of the present invention, the terms "first", "second", and the like are used only to distinguish the description, and are not to be construed as indicating or implying relative importance. The data acquisition, storage, use, processing and the like in the technical scheme meet the relevant regulations of national laws and regulations.

Fig. 1 is a flowchart of a method for determining risk pressure according to an embodiment of the present invention, where the method may be applied to determining risk pressure of a financial service, and the method may be performed by a risk pressure determining device, where the risk pressure determining device may be implemented in hardware and/or software, and the risk pressure determining device may be configured in an electronic device with data processing capability. As shown in fig. 1, the method includes:

s110, acquiring risk pressure information of the target transaction business.

The transaction service may be understood as a financial transaction service of a bank. A target transaction service may be understood as a transaction service requiring a determination of risk pressure. The target transaction service in this embodiment may be an exchange rate transaction service, which may be an exchange rate transaction of dollars/renminbi or an exchange rate transaction of euro/renminbi, for example. Risk pressure information may be understood as the required information for determining risk pressure. In this embodiment, risk pressure information of the target transaction service may be obtained.

In this embodiment, optionally, the risk pressure information includes at least one of: actual risk factors, actual transaction amounts, and offsets.

The actual risk factor may be understood as a factor affecting the risk of the actual transaction service. For example, in determining the risk pressure for a rate transaction business, the actual risk factor may be the actual rate. The actual transaction amount may be understood as the amount of the transaction that has actually been completed for the transaction service. The actual transaction amount of the target transaction service in this embodiment may be the actual amount that has been purchased. The offset may be understood as offset information of the transaction service; in this embodiment, the actual increase or decrease of the target transaction service may be reflected by the offset. For example, the offset may be a 1% increase or a 1% decrease in exchange rate when determining the risk pressure for an exchange rate transaction. The risk pressure information in this embodiment may include at least one of an actual risk factor, an actual transaction amount, and an offset amount. With such a setting in the present embodiment, determination of risk pressure can be performed based on risk pressure information.

S120, determining a first estimation result and a second estimation result of the target transaction service based on the risk pressure information.

The first valuation result may be an original valuation result of determining the target transaction business according to the risk pressure information. The second valuation result may be a predictive valuation result obtained from a context parameter preconfigured for the target transaction service. In this embodiment, the first valuation result and the second valuation result of the target transaction service may be determined based on at least one of the actual risk factor, the actual transaction amount, and the offset.

In this embodiment, optionally, determining the first valuation result of the target transaction service based on the risk pressure information includes: and inputting the actual risk factors and the actual transaction amount into a set valuation model to obtain a first valuation result of the target transaction service.

The set estimation model can be understood as a pre-trained estimation model, and can be set according to actual requirements. The set estimation model may be used to output estimation results. The first valuation result of the target transaction service in this embodiment may be obtained by inputting the actual risk factor and the actual transaction amount into the set valuation model. Through the arrangement, the first estimation result of the target transaction service can be obtained through the preset estimation model, so that the risk pressure of the transaction service can be conveniently determined later.

In this embodiment, optionally, determining the second valuation result of the target transaction service based on the risk pressure information includes: determining an offset risk factor according to the actual risk factor and the offset; acquiring a pressure influence factor corresponding to a target transaction service; a second valuation result is determined based on the offset risk factor, the pressure impact factor, and the transaction amount.

The offset risk factor is understood to be offset loss data, among other things. In this embodiment, the offset risk factor may be determined according to the actual risk factor and the offset. For example, when determining the risk pressure for the exchange rate transaction service, if the current actual risk factor is the exchange rate, if the exchange rate is 10 and the offset is +1%, the offset risk factor may be 10×1+1% = 10.1. If the exchange rate is 10 and the offset is-1%, the offset risk factor is 10×1-1%) =9.9. The pressure influencing factor is understood to be a factor which has a corresponding influence on the risk pressure. For example, in determining the risk pressure for a rate transaction, the pressure impact factor may be understood as a discount factor. In this embodiment, the pressure influence factor corresponding to the target transaction service may be directly obtained. Further, the pressure influence factor in the present embodiment can also be understood as a discount factor. The transaction amount may be understood as the number of transactions of the target transaction service. The second valuation result may be calculated from the offset risk factor, the pressure impact factor, and the transaction amount. In this embodiment, an offset risk factor may be determined according to the actual risk factor and the offset, and a pressure influence factor may be obtained, and then a second estimation result may be determined by performing calculation according to the determined offset risk factor, pressure influence factor, and transaction amount. By such arrangement in this embodiment, the second estimation result can be determined according to the acquired data, and the risk pressure of the transaction service can be determined conveniently.

In this embodiment, optionally, determining the second valuation result based on the offset risk factor, the pressure impact factor, and the transaction amount includes: and accumulating the offset risk factor, the pressure influence factor and the transaction amount to obtain a second estimation result.

The second estimation result in this embodiment may be obtained by multiplying the offset risk factor, the pressure influence factor, and the transaction amount. By the arrangement, the second estimation result can be obtained through calculation according to the acquired data, and the risk pressure of the transaction service can be determined more accurately.

S130, determining the risk pressure of the target transaction service according to the first estimation result and the second estimation result.

Risk pressure may be understood as the potential risk loss of the targeted transaction business, among other things. In this embodiment, the risk pressure of the target transaction service may be determined according to the first valuation result and the second valuation result.

Fig. 2 is a flowchart of a method for determining risk pressure according to an embodiment of the present invention, which is optimized based on the above embodiment. The concrete optimization is as follows: before acquiring the risk pressure information of the target transaction service, the method further comprises the following steps: receiving risk factor information and offset configured by a user; the offset includes an offset magnitude and an offset unit. As shown in fig. 2, the method of this embodiment specifically includes the following steps:

s210, receiving risk factor information and offset configured by a user.

The offset may include an offset magnitude and an offset unit. The offset magnitude can be understood as the actual data of the offset of the risk factor; by way of example, the offset amplitude may be 1, 2, 3, or the like. The offset unit may be understood as a unit corresponding to offset data; in this embodiment, the offset unit may select two options, "%" and "1/10000".

In this embodiment, risk factor information and offset configured by a user may be received. In this embodiment, the service personnel may configure the pressure scenario in the foreground scenario configuration interface, and the scenario parameters configured by the foreground will enter the set estimation model to perform the participation estimation. The target transaction business may be an exchange rate risk stress test, so the risk factor information of the stress scenario is an exchange rate. Scenario configuration mainly involves fields being risk factors, offset magnitudes and offset units. There are two options for offset units: % and 1/10000. Taking the pressure test scenario of 'dollar/Renminbi exchange rate 1% rise, euro/Renminbi exchange rate 1% drop, all other transaction exchange rates are unchanged' as an example, the foreground configuration method is as follows: 1. adding a sub scene, and selecting a risk factor of 'USD/CNY'; offset amplitude is filled with "1", offset unit is selected as "%" or offset unit is filled with "100", and offset unit is selected as "1/10000". 2. Newly adding a second sub scene, and selecting a risk factor of EUR/CNY; offset amplitude is filled with "-1", offset unit is selected to be "%" or offset unit is filled with "-100", and offset unit is selected to be "1/10000". 3. Since the exchange rate that is not configured is unchanged by default, no additional sub-scenarios need to be added.

S220, acquiring risk pressure information of the target transaction business.

S230, determining a first estimation result and a second estimation result of the target transaction service based on the risk pressure information.

S240, determining the damage information of the target transaction service according to the first estimation result and the second estimation result.

The damage and benefit information can represent the change of each transaction service and can be specific information of loss or gain of the transaction service. In this embodiment, the profit and loss information of the target transaction service may be determined according to the first valuation result and the second valuation result.

In this embodiment, optionally, determining the profit and loss information of the target transaction service according to the first valuation result and the second valuation result includes: and subtracting the first estimation result from the second estimation result to obtain the damage information of the target transaction service.

Wherein the damage information may be obtained by subtracting the first estimation result from the second estimation result. In this embodiment, the first estimation result may be subtracted from the second estimation result to obtain a change of the service value of each target transaction, that is, the damage information of the target transaction service. It can be clear that if the obtained damage and benefit information is negative, the damage and benefit information is the loss information of the current target transaction service; and if the obtained damage and benefit result is a positive value, the gain information of the current target transaction service is obtained. Through the arrangement, the damage information of the transaction service can be obtained through subtraction of the two estimation results, so that the risk pressure of the target transaction service can be determined more accurately and reliably.

S250, determining the damage information as the risk pressure of the target transaction business.

The profit and loss information may be determined as the risk pressure of the targeted transaction service in this embodiment.

In the embodiment of the invention, the risk factor information and the offset configured by the user are received; acquiring risk pressure information of a target transaction service; determining a first valuation result and a second valuation result of the target transaction business based on the risk pressure information; determining damage and benefit information of the target transaction service according to the first estimation result and the second estimation result; the damage information is determined as the risk pressure of the target transaction business. According to the technical scheme, the risk pressure of the financial business can be accurately determined, and the loss of the financial business is reduced.

In this embodiment, optionally, after determining the first valuation result and the second valuation result of the target transaction service based on the risk pressure information, the method further includes: and storing the first valuation results and the second valuation results of the target transaction services into a database in the form of reports respectively.

In this embodiment, after the first valuation result and the second valuation result of the target transaction service are obtained, the first valuation result and the second valuation result of the plurality of target transaction services may be stored in the database in the form of a report, respectively. Through the arrangement, the data of a plurality of transaction services can be stored in the form of a data report, corresponding data contents can be clearly displayed, and the data are convenient to store.

In this embodiment, optionally, after determining the risk pressure of the target transaction service according to the first valuation result and the second valuation result, the method further includes: and displaying the risk pressures of the target transaction businesses in the form of reports.

In this embodiment, after determining the risk pressures of the target transaction services, the risk pressures of the plurality of target transaction services may be displayed in the form of a report. Through the arrangement, the risk pressures of a plurality of target transaction services can be intuitively reflected, and the method is clearer and more convenient.

An exemplary overall flow chart of the risk pressure determination method of the present embodiment is shown in fig. 3. First, scene configuration; the business personnel configures pressure scenes in a foreground scene configuration interface, and scene parameters configured by the foreground enter an estimation engine to participate in estimation; second, evaluation calculation; the valuation engine may use a set valuation model to generate a first valuation (original valuation) result of the targeted transaction service. The scene parameters are then passed to an estimation engine which generates a second estimation (under pressure) result. The estimation engine generates a twice estimation result file, and transmits the twice estimation result file to the data processing layer. Thirdly, data processing; the data processing layer is used for acquiring the twice estimation results, acquiring scene parameters from the scene configuration interface and foreign exchange product detail data from the mart layer, mapping the twice estimation results with the product transaction detail through the transaction number, and generating estimation results of each transaction. Subtracting the first estimation result from the second estimation result to obtain the change of the business value of each target transaction, namely damage information. The damage information can be a pressure-bearing index of the target transaction service and also be a risk pressure result of the pressure test. Fourth, report form display; the data result processed by the data processing layer enters a database, and a report display interface displays a risk pressure result report of a plurality of target transaction services with corresponding dimensions according to service requirements.

Fig. 4 is a schematic structural diagram of a risk pressure determining apparatus according to an embodiment of the present invention.

As shown in fig. 4, the apparatus includes:

an information obtaining module 410, configured to obtain risk pressure information of a target transaction service;

an evaluation result determination module 420, configured to determine a first evaluation result and a second evaluation result of the target transaction service based on the risk pressure information;

and the risk pressure determining module 430 is configured to determine a risk pressure of the target transaction service according to the first estimation result and the second estimation result.

Optionally, the estimation result determining module 420 is specifically configured to:

Optionally, the estimation result determining module 420 includes:

an offset risk factor determining unit, configured to determine an offset risk factor according to the actual risk factor and the offset;

the pressure influence factor acquisition unit is used for acquiring the pressure influence factor corresponding to the target transaction service;

a second valuation result determination unit for determining a second valuation result based on the offset risk factor, the pressure impact factor, and the transaction amount.

Optionally, the second estimation result determining unit is configured to:

Optionally, the information configuration module is configured to receive risk factor information and offset configured by a user before acquiring risk pressure information of the target transaction service; the offset includes an offset magnitude and an offset unit.

Optionally, the risk pressure determination module 430 includes:

the profit-loss information determining unit is used for determining the profit-loss information of the target transaction service according to the first estimation result and the second estimation result;

and the risk pressure determining unit is used for determining the damage information as the risk pressure of the target transaction service.

Optionally, the profit-and-loss information determining unit is configured to subtract the first estimation result from the second estimation result to obtain the profit-and-loss information of the target transaction service.

Optionally, the storage module is configured to store the first valuation result and the second valuation result of the plurality of target transaction services in a database in a form of a report after determining the first valuation result and the second valuation result of the target transaction service based on the risk pressure information.

Optionally, the display module is configured to display the risk pressures of the target transaction services in a report form after determining the risk pressures of the target transaction services according to the first estimation result and the second estimation result.

The risk pressure determining device provided in the embodiment of the present application may be used to execute the technical scheme of the risk pressure determining method in the above embodiment, and its implementation principle and technical effects are similar, and are not described herein again.

Fig. 5 is a schematic structural diagram of an electronic device according to an embodiment of the present invention. The electronic device 10 is intended to represent various forms of digital computers, such as laptops, desktops, workstations, personal digital assistants, servers, blade servers, mainframes, and other appropriate computers. Electronic equipment may also represent various forms of mobile devices, such as personal digital processing, cellular telephones, smartphones, wearable devices (e.g., helmets, glasses, watches, etc.), and other similar computing devices. The components shown herein, their connections and relationships, and their functions, are meant to be exemplary only, and are not meant to limit implementations of the inventions described and/or claimed herein.

As shown in fig. 5, the electronic device 10 includes at least one processor 11, and a memory, such as a Read Only Memory (ROM) 12, a Random Access Memory (RAM) 13, etc., communicatively connected to the at least one processor 11, in which the memory stores a computer program executable by the at least one processor, and the processor 11 may perform various appropriate actions and processes according to the computer program stored in the Read Only Memory (ROM) 12 or the computer program loaded from the storage unit 18 into the Random Access Memory (RAM) 13. In the RAM 13, various programs and data required for the operation of the electronic device 10 may also be stored. The processor 11, the ROM 12 and the RAM 13 are connected to each other via a bus 14. An input/output (I/O) interface 15 is also connected to bus 14.

Various components in the electronic device 10 are connected to the I/O interface 15, including: an input unit 16 such as a keyboard, a mouse, etc.; an output unit 17 such as various types of displays, speakers, and the like; a storage unit 18 such as a magnetic disk, an optical disk, or the like; and a communication unit 19 such as a network card, modem, wireless communication transceiver, etc. The communication unit 19 allows the electronic device 10 to exchange information/data with other devices via a computer network, such as the internet, and/or various telecommunication networks.

The processor 11 may be a variety of general and/or special purpose processing components having processing and computing capabilities. Some examples of processor 11 include, but are not limited to, a Central Processing Unit (CPU), a Graphics Processing Unit (GPU), various specialized Artificial Intelligence (AI) computing chips, various processors running machine learning model algorithms, digital Signal Processors (DSPs), and any suitable processor, controller, microcontroller, etc. The processor 11 performs the various methods and processes described above, such as the determination of risk pressures.

In some embodiments, the method of determining risk pressure may be implemented as a computer program tangibly embodied on a computer-readable storage medium, such as storage unit 18. In some embodiments, part or all of the computer program may be loaded and/or installed onto the electronic device 10 via the ROM 12 and/or the communication unit 19. When the computer program is loaded into RAM 13 and executed by processor 11, one or more steps of the above-described method of determining risk pressure may be performed. Alternatively, in other embodiments, processor 11 may be configured to perform the method of determining risk pressure in any other suitable manner (e.g., by means of firmware).

Various implementations of the systems and techniques described here above may be implemented in digital electronic circuitry, integrated circuit systems, field Programmable Gate Arrays (FPGAs), application Specific Integrated Circuits (ASICs), application Specific Standard Products (ASSPs), systems On Chip (SOCs), load programmable logic devices (CPLDs), computer hardware, firmware, software, and/or combinations thereof. These various embodiments may include: implemented in one or more computer programs, the one or more computer programs may be executed and/or interpreted on a programmable system including at least one programmable processor, which may be a special purpose or general-purpose programmable processor, that may receive data and instructions from, and transmit data and instructions to, a storage system, at least one input device, and at least one output device.

A computer program for carrying out methods of the present invention may be written in any combination of one or more programming languages. These computer programs may be provided to a processor of a general purpose computer, special purpose computer, or other programmable data processing apparatus, such that the computer programs, when executed by the processor, cause the functions/acts specified in the flowchart and/or block diagram block or blocks to be implemented. The computer program may execute entirely on the machine, partly on the machine, as a stand-alone software package, partly on the machine and partly on a remote machine or entirely on the remote machine or server.

In the context of the present invention, a computer-readable storage medium may be a tangible medium that can contain, or store a computer program for use by or in connection with an instruction execution system, apparatus, or device. The computer readable storage medium may include, but is not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or any suitable combination of the foregoing. Alternatively, the computer readable storage medium may be a machine readable signal medium. More specific examples of a machine-readable storage medium would include an electrical connection based on one or more wires, a portable computer diskette, a hard disk, a Random Access Memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disc read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing.

To provide for interaction with a user, the systems and techniques described here can be implemented on an electronic device having: a display device (e.g., a CRT (cathode ray tube) or LCD (liquid crystal display) monitor) for displaying information to a user; and a keyboard and a pointing device (e.g., a mouse or a trackball) through which a user can provide input to the electronic device. Other kinds of devices may also be used to provide for interaction with a user; for example, feedback provided to the user may be any form of sensory feedback (e.g., visual feedback, auditory feedback, or tactile feedback); and input from the user may be received in any form, including acoustic input, speech input, or tactile input.

The systems and techniques described here can be implemented in a computing system that includes a background component (e.g., as a data server), or that includes a middleware component (e.g., an application server), or that includes a front-end component (e.g., a user computer having a graphical user interface or a web browser through which a user can interact with an implementation of the systems and techniques described here), or any combination of such background, middleware, or front-end components. The components of the system can be interconnected by any form or medium of digital data communication (e.g., a communication network). Examples of communication networks include: local Area Networks (LANs), wide Area Networks (WANs), blockchain networks, and the internet.

The computing system may include clients and servers. The client and server are typically remote from each other and typically interact through a communication network. The relationship of client and server arises by virtue of computer programs running on the respective computers and having a client-server relationship to each other. The server can be a cloud server, also called a cloud computing server or a cloud host, and is a host product in a cloud computing service system, so that the defects of high management difficulty and weak service expansibility in the traditional physical hosts and VPS service are overcome.

Embodiments of the present invention also provide a computer program product comprising a computer program which, when executed by a processor, implements a method of determining risk pressure as provided by any of the embodiments of the present application.

Computer program product in the implementation, the computer program code for carrying out operations of the present invention may be written in one or more programming languages, including an object oriented programming language such as Java, smalltalk, C ++ and conventional procedural programming languages, such as the "C" programming language or similar programming languages. The program code may execute entirely on the user's computer, partly on the user's computer, as a stand-alone software package, partly on the user's computer and partly on a remote computer or entirely on the remote computer or server. In the case of a remote computer, the remote computer may be connected to the user's computer through any kind of network, including a Local Area Network (LAN) or a Wide Area Network (WAN), or may be connected to an external computer (for example, through the Internet using an Internet service provider).

Note that the above is only a preferred embodiment of the present invention and the technical principle applied. It will be understood by those skilled in the art that the present invention is not limited to the particular embodiments described herein, but is capable of various obvious changes, rearrangements and substitutions as will now become apparent to those skilled in the art without departing from the scope of the invention. Therefore, while the invention has been described in connection with the above embodiments, the invention is not limited to the embodiments, but may be embodied in many other equivalent forms without departing from the spirit or scope of the invention, which is set forth in the following claims.

Claims

1. A method of determining risk pressure, comprising:

acquiring risk pressure information of a target transaction service;

2. The method of claim 1, wherein the risk pressure information includes at least one of: actual risk factors, actual transaction amounts, and offsets.

3. The method of claim 2, wherein determining a first valuation result for the target transaction business based on the risk pressure information comprises:

4. The method of claim 2, wherein determining a second valuation result for the target transaction business based on the risk pressure information comprises:

5. The method of claim 4, wherein determining a second valuation result based on the offset risk factor, the pressure impact factor, and the transaction amount comprises:

6. The method of claim 2, further comprising, prior to acquiring risk pressure information for the target transaction service:

7. The method of claim 1, wherein determining the risk pressure of the target transaction business based on the first valuation result and the second valuation result comprises:

8. The method of claim 7, wherein determining the impairment information for the targeted transaction service based on the first valuation result and the second valuation result comprises:

9. The method of claim 1, wherein after determining the first valuation result and the second valuation result for the target transaction service based on the risk pressure information, further comprising:

10. The method of claim 1, further comprising, after determining the risk pressure for the target transaction business based on the first valuation result and the second valuation result:

11. A risk pressure determining apparatus, comprising:

12. The apparatus of claim 11, wherein the risk pressure information comprises at least one of: actual risk factors, actual transaction amounts, and offsets.

13. An electronic device comprising a memory, a processor and a computer program stored on the memory and executable by the processor, wherein the processor implements the method of determining risk pressure according to any one of claims 1-10 when executing the computer program.

14. A computer readable storage medium, on which a computer program is stored, characterized in that the program, when being executed by a processor, implements a method of determining a risk pressure according to any one of claims 1-10.

15. Computer program product comprising a computer program, characterized in that the computer program, when being executed by a processor, implements the method of determining a risk pressure according to any of claims 1-10.